The Families First Coronavirus Act (FFCRA) mandated continuous Medicaid enrollment through the federal COVID-19 public health emergency. The continuous enrollment suspended the redetermination process by prohibiting any cancelation of coverage. Now that the public health emergency has been lifted, all Medicaid recipients must complete a redetermination to determine if they remain eligible. On the national level, it’s estimated that over 8 million members will lose Medicaid coverage by 2023.
What does this mean for you?
KFF estimates that Indiana has 1,928,073 million members enrolled in Medicaid/CHIP programs. It’s estimated that 18% or 347,000 Hoosiers will not be eligible to continue coverage through Medicaid programs.
Indiana employers should be aware of the redetermination process and how it could impact employees and their dependents. This could lead to difficult conversations about health insurance costs. Most of the HIP 2.0, Children Health Insurance Plan (CHIP), & Hoosier Healthwise members may have experienced health insurance coverage with cost-sharing on both premium and out-of-pocket. Many may view the cost of participating in a group health plan as a financial burden. Employers with a high Medicaid participants rate might consider making contributions and plan design adjustments to help ease the burden.
Members will be notified 45 days before the end of coverage if they need to take action or if the coverage is renewing. Indiana is using electronic data to try to verify eligibility. You must take action if the notification states you need to update your information. Once verification data is received, a member can expect within 15 days to receive the eligibility determination.
If you are found ineligible to continue Medicaid coverage:
You may qualify for marketplace coverage and premium assistance.
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With premium assistance, you would pay no more than 9% of your household income for coverage. Here is a quote engine to estimate costs for marketplace coverage.