Download the affordable care act (obamacare) and health insurance for your

THE AFFORDABLE CARE ACT (OBAMACARE)
AND HEALTH INSURANCE FOR YOUR FAMILY
32BJ members have been getting letters from their employers about the Marketplace.
The government requires employers to send these letters. They’re intended to notify
employees who don’t have family coverage that they have the opportunity under
Obamacare to purchase health coverage on the Marketplace. The Marketplace is
sometimes called the Exchange.
TYPES OF COVERAGE
32BJ FAMILY COVERAGE
If you and your dependents have family coverage from a 32BJ health plan, you’re already covered.
Don’t go to the Marketplace for coverage. Any notice you get about the Marketplace doesn’t apply to
you and your family.
If you have or are offered family coverage by your employer, but it’s not from a 32BJ plan, you
should speak with a Navigator (see list) about your options.
SINGLE COVERAGE
If you have single coverage (that is, insurance that only covers you) and your spouse and dependents
don’t have health coverage, the Marketplace is a good place for your dependents to go to purchase
coverage.
NO COVERAGE
If you and your family members don’t have coverage, all of you can use the Marketplace to purchase
coverage.
HELP AND MORE INFORMATION
GETTING HELP FROM A NAVIGATOR
A Navigator is a government-funded coordinator whose job it is to help people navigate the
Marketplace and the new health care system. In New York State, the new health care system includes
expanded Medicaid coverage. The easiest way to figure out whether you and your dependents
are eligible for Medicaid, CHIP (a good alternative for kids) or coverage and subsidies from the
Marketplace is to consult a Navigator.
The Marketplace offers four levels of benefits (higher or lower deductibles, co-pays, etc.) from
different insurance companies. The Navigator also can help you figure out what level and company
are best for you and your family.
continued
32BJ SEIU, 25 West 18th Street, New York, NY 10011 • www.seiu32bj.org
See the list of the names, e-mail addresses, and telephone numbers of the Navigators in 32BJ’s area
in New York State. If you live in New Jersey, you will need to use the New Jersey Marketplace. For
more information about New Jersey, you can call one of the New Jersey Navigators on the list.
MORE ABOUT THE MARKETPLACE
The Marketplace is where people who aren’t covered can purchase health coverage. Beginning
January 1, 2014, everyone is required to have health coverage.
In New York, the Marketplace is called New York State of Health. The website is
www.nystateofhealth.ny.gov. The Marketplace opened October 1, 2013 for people to purchase
coverage that will take effect on January 1, 2014. You can go to www.nystateofhealth.ny.gov to
apply for coverage. Better still, you can consult with a Navigator whose job it is to help people
navigate the Marketplace and the new health care system. Enrollment for 2014 coverage closes on
March 31, 2014; after that you can purchase 2014 coverage through the Marketplace only if there is a
special circumstance, like losing your job, a child is born, divorce.
Any health coverage that is bought at the Marketplace will cost money. However, some people who
purchase in the Marketplace will qualify for government subsidies.
To purchase coverage in the Marketplace you:
• Must be U.S. citizen or lawfully present in the U.S.
• Can’t be eligible for Medicaid, CHIP or Medicare.
To qualify for a subsidy, you can’t have family income that exceeds certain levels.
SUBSIDIES
Subsidies through the Marketplace depend on family income and size.
For example, a family of four with yearly income of $45,000 can purchase a “silver plan” (there are
four levels of plans: platinum, gold, silver and bronze) for about $220 per month. That plan would
have cost $822 monthly without the subsidy, so the subsidy will save $602 monthly.
And a single person earning $12 an hour and working full-time ($24,960 annually) can purchase a
silver plan for about $143 monthly. The plan would have cost $252 monthly without the subsidy, so
the subsidy will save $109 monthly.
For a simple way to find out whether your family income and size qualify you for a subsidy, go
to www.kff.org, the Kaiser Family Foundation website. On the website, use the Health Insurance
Subsidy Calculator. It’s quick and easy. A Navigator can also help you figure this out.
FREQUENTLY ASKED QUESTIONS (FAQS)
The Kaiser Family Foundation has answers to dozens of FAQs about health care reform. It’s
informative and easy to use. Go to www.kff.org and click on “Understanding the ACA” and
then “FAQs.”
OBAMACARE. LA LEY DE SALUD ASEQUIBLE
Y EL SEGURO DE SALUD PARA SU FAMILIA
Nuestro afiliados han estado recibiendo cartas de sus empleadores acerca del Obamacare
(La Nueva Ley sobre el Seguro de Salud). El gobierno requiere que los empleadores
manden estas cartas. El propósito de estas cartas es notificar a los empleados que no
tienen cobertura familiar que tienen la oportunidad de comprar cobertura médica en el
Mercado en Internet bajo Obamacare. El Mercado en Internet también es conocido como
el Intercambio (Exchange).
TIPOS DE COBERTURA
COBERTURA FAMILIAR 32BJ
Si usted y sus dependientes tienen cobertura familiar de un Plan Medico 32BJ, ya están cubiertos.
No vaya al Mercado en Internet para buscar cobertura. Cualquier noticia que usted reciba acerca del
Mercado en Internet no le afecta a usted y su familia.
Si usted tiene o es ofrecido cobertura familiar por parte de su Empleador, pero no es por medio de
un Plan 32BJ, usted debe consultar con un Navegador (ver lista) acerca de sus opciones.
COBERTURA INDIVIDUAL
Si tiene cobertura individual (seguro que solo le cubre a usted) y su cónyuge y dependientes
no tienen cobertura médica, el Mercado en Internet es un buen lugar para que sus dependientes
vayan a comprar cobertura.
SIN COBERTURA
Si usted y sus familiares no tienen cobertura, todos pueden usar el Mercado en Internet para
comprar cobertura.
AYUDA Y MÁS INFORMACIÓN
RECIBIR AYUDA DE UN NAVEGADOR
Un Navegador es un coordinador, financiado por el gobierno, cuyo trabajo es ayudar a personas a
navegar el Mercado en Internet y el nuevo sistema de cuidado de salud. En el estado de Nueva York,
el nuevo sistema de cuidado de salud incluye cobertura expandida de Medicaid. La manera más fácil
de enterarse si usted y sus dependientes son elegibles para Medicaid, CHIP (una buena alternativa
para niños) o cobertura y subsidios del Mercado en Internet seria consultar con un Navegador.
El Mercado en Internet ofrece cuatro niveles de beneficios (deducibles más altos o bajos, copagos,
etc.) de diferentes compañías de seguro. El Navegador también puede ayudarle a determinar qué
nivel y qué compañía son las mejores para usted y su familia.
Ver lista de los nombres, direcciones de correo electrónico, y números de teléfonos de los
Navegadores en las areas de la 32BJ en el estado de Nueva York. Si usted vive en Nueva Jersey,
continua
32BJ SEIU, 25 West 18th Street, New York, NY 10011 • www.seiu32bj.org
necesita usar el Mercado en Internet de Nueva Jersey. Para más información acerca de Nueva Jersey,
usted puede llamar a uno de los Navegadores de Nueva Jersey en la lista adjunta.
MÁS INFORMACIÓN ACERCA DEL MERCADO EN INTERNET
El Mercado en Internet es un lugar donde personas que no están cubiertas pueden comprar
cobertura médica. Empezando el 1 de enero de 2014, toda persona está obligada a tener
cobertura médica.
En Nueva York, el Mercado en Internet se llama New York State of Health. El sitio web es
www.nystateofhealth.ny.gov. El Mercado en Internet abrió el 1 de octubre de 2013 para que
las personas puedan comprar cobertura que tomara efecto el 1 de enero de 2014. Puede ir a
www.nystateofhealth.ny.gov para solicitar cobertura. Mejor aún, puede consultar con un
Navegador cuyo trabajo es ayudar a personas a navegar el Mercado en Internet y el nuevo
sistema de cuidado de salud. La inscripción para cobertura en 2014 se cierra el 31 de marzo
de 2014; después usted puede comprar cobertura de salud en el mercado en internet sólo si existe
una circunstancia especial, como la pérdida de su trabajo, el nacimiento de un niño, o divorcio.
Cualquier cobertura que compre en el Mercado en Internet le costará dinero. Sin embargo, algunas
personas que compran en el Mercado en Internet calificarán para subsidios del gobierno.
Para comprar cobertura en el Mercado en Internet usted:
• Debe ser ciudadano estadounidense o estar legalmente en los EE.UU.
• No puede ser elegible para Medicaid, CHIP o Medicare.
Para calificar para un subsidio, usted no puede tener un ingreso familiar que exceda ciertos niveles.
SUBSIDIOS
Subsidios para el Mercado en Internet dependen del tamaño de su familia y su ingreso familiar.
Por ejemplo, una familia de cuatro con un ingreso anual de $45,000 puede comprar un “plan de
plata” (hay cuatro niéveles de planes – platino, oro, plata, y bronce) por alrededor de $220 por mes.
El plan hubiese costado $822 mensualmente sin el subsidio, así que el subsidio le ahorrara $602
mensualmente.
Y una persona soltera que gana $12 por hora, trabajando a tiempo completo ($24,960 anualmente)
puede comprar un plan de plata por alrededor de $143 mensualmente. El plan hubiese costado
$252 mensualmente sin el subsidio, así que el subsidio le ahorrara $109 mensualmente.
Una manera simple de determinar si el tamaño de su familia y su ingreso familiar lo califica
para un subsidio, es por medio de www.kff.org el sitio web de Kaiser Family Foundation
(Desafortunadamente, este sitio web está en inglés y no en español). En el sitio web, use la
Calculadora de Subsidio de Seguro Médico (Health Insurance Subsidy Calculator). Es rápido y fácil.
Un Navegador también lo podrá ayudar a determinar si califica.
PREGUNTAS MÁS FREQUENTES
Kaiser Family Foundation tiene respuestas a docenas de las preguntas más frecuentes de la reforma
de cuidado de salud. Vaya a www.kff.org y haga clic en “Understanding the ACA” y luego en
“FAQs.” (Desafortunadamente, este sitio web está en inglés y no en español.)
NEW YORK & NEW JERSEY
NAVIGATORS / NAVEGADORES
NYC (Serving all boroughs)
WESTCHESTER &
HUDSON VALLEY
American Indian Community House
(212) 598-0100
www.aich.org
BRONX
QUEENS
LONG ISLAND
JE
RS
NE
W
MA
NH
AT
TA
N
EY
Coalition for Asian American Children and Families
(Except Staten Island)
(212) 809-4675
www.cacf.org
NYC except Staten Island
Community Health Center of Richmond, Inc.
(718) 876-1732
www.chcrichmond.org
STATEN ISLAND
BROOKLYN
WESTCHESTER & HUDSON VALLEY
The Business Council of Westchester
(914) 948-2110
www.westchesterny.org
Maternal Infant Services Network
(Serves Orange, Dutchess, Ulster, Sullivan
& Putnam Counties)
Central Valley: (845) 928-7448
Newburgh: (845) 561-3575
www.misn-ny.org
The Osborne Association
(Serves Poughkeepsie & NYC)
Bronx: (718) 707-2600
Brooklyn: (718) 637-6560
Poughkeepsie: (845) 345-9845
http://www.osborneny.org
Retail Action Project
(Serves Westchester, Nassau County & Manhattan)
(646) 490-5925
www.retailactionproject.org
Rockland County Department of Health
(Serves Rockland County)
(845) 364-2512
www.rocklandgov.com/departments/health
Westchester County Department of Health
(Also serves Bronx)
(914) 813-5000
www.health.westchestergov.com
Westchester Disabled on the Move
(Serves Westchester & Putnam County)
(914) 968-4717
www.wdom.org
Young Invincibles
(Serves Westchester, Orange & Rockland Counties)
(914) 458-2294
www.younginvincibles.org
Community Health Project Inc.
(Except Staten Island)
(212) 271-7200
www.callen-lorde.org
Hispanic Federation
(212) 233-8996
www.hispanicfederation.org
The Osborne Association
(Also serves Poughkeepsie)
Bronx: (718) 707-2600
Brooklyn: (718) 637-6560
Poughkeepsie: (845) 345-9845
www.osborneny.org
Public Health Solutions
(Also serves Long Island)
(646) 619-6400
www.healthsolutions.org
Structured Employment Economic Development
Corporation (Seedco)
(212) 473-0255
www.seedco.org
BRONX
Bronx-Lebanon Hospital Center
(718) 590-1800
www.bronx-leb.org
BronxWorks
(646) 393-4000
www.bronxworks.org
Community Service Society
(212) 254-8900
www.cssny.org
Emerald Isle Immigration Services
(Also serves Queens)
Bronx: (718) 324-3039
Queens: (718) 478-5502
www.eiic.org
Metropolitan Council on Jewish Poverty
(212) 453-9500
www.metcouncil.org
Morris Heights Health Center Inc.
(Also serves Manhattan)
(718) 483-1270
www.mhhc.org
North Country Prenatal/Perinatal Council Inc.
(Also Serves Manhattan)
(212) 822-8300
www.nmic.org
Single Stop USA
(Also serves Manhattan & Staten Island)
(212) 480-2870
www.singlestopusa.org
Westchester County Department of Health
(Also serves Westchester)
(914) 813-5000
www.health.westchestergov.com
BROOKLYN
The Actors’ Fund
(Also serves Manhattan)
(212) 221-7300
www.actorsfund.org
Asian Americans for Equality
(Also serves Manhattan & Queens)
Manhattan: (212) 979-8988
Queens: (718) 961-0888
Brooklyn: (718) 686-8223
www.aafe.org
Brooklyn Alliance, Inc.
(718) 875-1000
www.ibrooklyn.com
Brooklyn Perinatal Network Inc.
(718) 643-8258
www.bpnetwork.org
Joseph P Addabbo Family Health Center
(Also serves Queens)
(718) 945-7150
www.addabbo.org
Make the Road New York
(Also serves Queens, Staten Island
& Suffolk County)
Brooklyn: (718) 418-7690
Queens: (718) 565-8500
Staten Island: (718) 727-1222
Long Island: (631) 231-2220
www.maketheroad.org
United Jewish Organizations of Williamsburg
(718) 643-9700
www.unitedjewish.org
Yeled V’Yalda Early Childhood Center Inc.
(Also serves Staten Island)
(718) 686-3700
www.yeled.org
continued / continua
MANHATTAN
QUEENS
The Actors’ Fund
(Also serves Brooklyn)
(212) 221-7300
www.actorsfund.org
Asian Americans for Equality
(Also serves Brooklyn & Manhattan)
Manhattan: (212) 979-8988
Queens: (718) 961-0888
Brooklyn: (718) 686-8223
www.aafe.org
APICHA Community Health Center
(212) 334-7940
www.apicha.org
Asian Americans for Equality
(Also serves Brooklyn & Queens)
Manhattan: (212) 979-8988
Queens: (718) 961-0888
Brooklyn: (718) 686-8223
www.aafe.org
Center for the Independence
of the Disabled, New York
(Also serves Queens)
Manhattan: (212) 674-2300
Queens: (646) 442-1520
www.cidny.org
Community Service Society of New York
(212) 254-8900
www.cssny.org
Lesbian & Gay Community Services Center Inc.
(212) 620-7310
www.gaycenter.org
Manhattan Chamber of Commerce
(212) 479-7772
www.manhattancc.org
Morris Heights Health Center Inc.
(Also serves Bronx)
(718) 483-1270
www.mhhc.org
NADAP Inc.
(212) 986-1170
www.nadap.org
Center for the Independence
of the Disabled, New York
(Also serves Manhattan)
Manhattan: (212) 674-2300
Queens: (646) 442-1520
www.cidny.org
Emerald Isle Immigration Services
(Also serves Bronx)
Bronx: (718) 324-3039
Queens: (718) 478-5502
www.eiic.org
Joseph P Addabbo Family Health Center
(Also serves Brooklyn)
(718) 945-7150
www.addabbo.org
Korean Community Services
(718) 939-6137
www.kcsny.org
Make the Road New York
(Also serves Brooklyn, Staten Island
& Suffolk County)
Brooklyn: (718) 418-7690
Queens: (718) 565-8500
Staten Island: (718) 727-1222
Long Island: (631) 231-2220
www.maketheroad.org
Safe Space NYC Inc.
(718) 526-2400
www.safespacenyc.org/safespace
New York Women’s Chamber of Commerce
(212) 491-9640
www.nywcc.org
Small Business Development Center at
LaGuardia Community College
(Also serves Long Island)
(718) 482-5303
www.nyssbdc.org/centers/centers.aspx?centid=24
North Country Prenatal/Perinatal Council Inc.
(Also serves Bronx)
(212) 822-8300
www.nmic.org
South Asian Council for Social Services
(Also serves Manhattan & Nassau County)
(718) 321-7929
www.sacssny.org
Restaurant Opportunities Center of New York
(212) 343-1771
www.rocny.org
Retail Action Project
(Also serves Westchester & Nassau County)
(646) 490-5925
retailactionproject.org
Single Stop USA
(Also serves Bronx & Staten Island)
(212) 480-2870
www.singlestopusa.org
South Asian Council for Social Services
(Serves Nassau County & Queens)
(718) 321-7929
www.sacssny.org
STATEN ISLAND
Jewish Community Center of Staten Island
Bernikow/Mid-Island JCC (718) 475-5200
Aberlin/North Shore JCC: (718) 475-5290
Avis/South Shore JCC: (718) 475-5270
www.sijcc.org
Make the Road New York
(Also serves Brooklyn, Queens & Suffolk County)
Brooklyn: (718) 418-7690
Queens: (718) 565-8500
Staten Island: (718) 727-1222
Long Island: (631) 231-2220
www.maketheroad.org
Single Stop USA
(Also serves Bronx & Manhattan)
(212) 480-2870
www.singlestopusa.org
Staten Island Chamber of Commerce
(718) 727-1900
www.sichamber.com
Yeled V’Yalda Early Childhood Center Inc.
(Also serves Brooklyn)
(718) 686-3700
www.yeled.org
LONG ISLAND
Community Development Corporation of Long Island
(631) 471-1215
www.cdcli.org
Make the Road New York
(Serves Suffolk County, Brooklyn, Queens
& Staten Island)
Brooklyn: (718) 418-7690
Queens: (718) 565-8500
Staten Island: (718) 727-1222
Long Island: (631) 231-2220
www.maketheroad.org
Nassau-Suffolk Hospital Council
(631) 435-2343
www.nshc.org
Retail Action Project
(Serves Nassau County, Westchester
& Manhattan)
(646) 490-5925
www.retailactionproject.org
Small Business Development Center at
LaGuardia Community College
(Also serves Queens)
(718) 482-5303
www.nyssbdc.org/centers/centers.aspx?centid=24
South Asian Council for Social Services
(Serves Nassau County, Manhattan & Queens)
(718) 321-7929
www.sacssny.org
NEW JERSEY
Center for Family Services, Inc.
(Serves Atlantic, Burlington, Camden, Cape May,
Cumberland, Gloucester & Salem Counties)
(856) 964-1990
www.centerffs.org
FoodBank of Monmouth and Ocean Counties, Inc.
(732) 918-2600
www.foodbankmoc.org
New Jersey Department of Human Services, Division
of Medical Assistance and Health Services
1-800-356-1561
www.state.nj.us/humanservices/dmahs/home
Public Health Solutions
(Serves Essex & Hudson Counties)
(646) 619-6400
www.healthsolutions.org
The Urban League of Hudson County
(Serves Bergen, Hudson, Morris & Union Counties)
(201) 451-8888
www.ulohc.org
Wendy Sykes-Orange ACA Navigator Project
(973) 266-4000
www.ci.orange.nj.us/health_main.html