The health coverage expansions under the Affordable Care Act (ACA) will affect you, your loved ones and your communities. The Diverse Elders Coalition represents millions of diverse older people age 50+ who are among those affected: they include the Health Insurance Marketplace, the Medicaid expansion, new benefits for elders 65+ on Medicare, and a range of protections that make health care more accessible for lesbian, gay, bisexual and transgender (LGBT) older people and older people of color. The number of uninsured older adults age 50-64 continues to rise—from 3.7 million in 2000 to 8.9 million in 2010. In addition, people of color make up more than half of uninsured people in the U.S.— and research shows that people of color, across the age span, face significant disparities in physical and mental health. Additionally, many people of color delay care because of potential medical costs and out of fear of discrimination or cultural incompetence from medical providers. This webinar highlights both national and state-specific examples on what is being done to ensure that older people know about the changes that are taking place under the ACA and how it affects them.
Speakers: Yanira Cruz, President and CEO, National Hispanic Council on Aging; Michael Adams, Executive Director, Services and Advocacy for GLBT Elders (SAGE). Special thanks to our co-sponsors, The John A. Hartford Foundation and The California Wellness Foundation.
Original Webinar date: Wednesday, November 6, 2013.
Watch it at http://www.screencast.com/t/yzeTQbgEze2.
MY IMMIGRANT MOTHER sits silently in a room the size of a small kitchen. Earlier this year, she survived multiple failures of the heart, kidneys, and limbs over the course of six weeks. She is seventy-three, uses a wheelchair, and for the first time in her life is surrounded by white people who do not speak Spanish, in the only nearby nursing home my parents can afford. In turn, my father drives through the days confronted by three omnipresent realities: hour-long daily visits with my mother, a night shift to keep him mentally and financially afloat, and a mailbox flooded with health care bills, insurance disputes and the complexity of navigating Medicare, Medicaid, and private insurers. When I speak of health reform, queer rights, or racial and economic justice, he gazes at me solemnly. He survived a lifetime of racial discrimination, fought in two wars and lived through the ensuing decades with a cacophony in his psyche. At seventy-eight, nearly blind and deaf, he will hear nothing of systems and reform. More often than not, these days we sit in silence.
This silence haunts me as an advocate who works at the intersection of aging and lesbian, gay, bisexual, transgender, and queer (LGBTQ) rights. The aging and LGBTQ advocacy fields often propose policy solutions that are too narrow to address the complexity of how all marginalized people — including heterosexual people of color such as my parents, members of the LGBTQ community, and more — experience the process of aging. We need social transformations that address the intersecting forms of oppression that older people face — and that can make sense of the chaos and silence that shroud my parents. This has become especially clear to me through my work as the director of a national policy program devoted to improving the health and well-being of LGBTQ older people.
A closer look at the lives of aging LGBTQ people reveals how deeply identity politics and class politics are entangled. Here, an older protester rallies for marriage equality in Pasadena, California.
For the full essay, which originally appeared in Tikkun Magazine click here
Medicare Open Enrollment is the time of year when beneficiaries can change their Medicare health plan and prescription drug coverage for the following year. Each year Medicare Open Enrollment runs from October 15-December 7. The National Hispanic Council on Aging (NHCOA) encourages you to consider reviewing your Medicare drug or health care plan, and/or assist your loved ones in reviewing theirs. You can use the materials provided in NHCOA’s Medicare Open Enrollment toolkit to assist you in reviewing your options in order to find the coverage that best meets your needs. However, if you and your loved ones are satisfied with your current health plan, no action or change is required.
Medicare is health insurance for people 65 years or older. The U.S. Federal government provides this health care service from revenue collected through payroll taxes. If you’ve paid into Social Security and Medicare for 10 years as an employee, you are most likely eligible for Medicare benefits.
Following the three C’s is a good criterion to keep in mind when reviewing your current plan and making the decision whether or not to make changes. Read More
When: Wednesday, November 6, 2013 2-3pm EST
Register Now: http://bit.ly/1c0l5zd
Speakers: Dr. Yanira Cruz, President and CEO, National Hispanic Council on Aging (NHCOA)
Michael Adams, Executive Director, Services and Advocacy for GLBT Elders (SAGE)
Who can attend? Advocates. Policy makers. Older Adults. Funders. Anyone interested in learning more about Obamacare and how it affects diverse older people. *There will also be additional information for funders on how they can support both national and state-specific work.
First 30 Minutes: Conversation with Dr. Cruz and Michael Adams about why Obamacare/the Affordable Care Act Matters to diverse older people. Learn about the opportunities, challenges and lessons learned.
Second Half of the Conversation: Dr. Cruz and Michael Adams will take your questions.
The health coverage expansions under the Affordable Care Act (ACA) will affect you, your loved ones and your communities. The Diverse Elders Coalition represents millions of diverse older people age 50+ who are among those affected by these expansions. They include the Health Insurance Marketplace, the Medicaid expansion, new benefits for elders 65+ on Medicare, and a range of protections that make health care more accessible for lesbian, gay, bisexual and transgender (LGBT) older people and older people of color. The number of uninsured older adults age 50-64 continues to rise—from 3.7 million in 2000 to 8.9 million in 2010. In addition, people of color make up more than half of the uninsured people in the U.S.— and research shows that people of color, across the age span, face significant disparities in physical and mental health. Additionally, many people of color delay care because of potential medical costs and out of fear of discrimination or cultural incompetence from medical providers. These issues are especially true for LGBT people of color who face challenges on multiple aspects of their identities. The ACA has the ability to create a path to better health by offering more affordable health insurance options, improving services and eliminating the usual obstacles. This webinar will highlight both national and state-specific examples of what is being done to ensure that older people know about the changes that are taking place under the ACA and how it affects them.
This webinar is in collaboration with Grantmakers in Aging (GIA) as part of their “Conversation with GIA” series.
Special thanks to our co-sponsors, The John A. Hartford Foundation and The California Wellness Foundation.
Historically Southeast Asian Americans have faced significant barriers to accessing affordable health insurance and culturally and linguistically appropriate health care. These barriers have contributed to health disparities:
• Southeast Asian American communities experience high uninsurance rates; 26.7% of Hmong Americans live in poverty and 18.3% of Vietnamese Americans lack health coverage.
• Cervical cancer incidence rates are among the highest in the U.S. for Laotian, Vietnamese and Cambodian American women. Factors for this disparity have been attributed to low Pap smear rates, lack of preventive care prior to immigration and a lack of sensitivity by providers.
• Asian American adults aged 65 years and older were 30% less likely to have ever received the pneumonia shot compared to white adults of the same age group.
• One of the greatest health disparities between Southeast Asians and the general population is liver cancer, 80 percent of which is caused by chronic hepatitis B virus infection. Liver cancer rates for Vietnamese men are 13 times higher than rates for White men.
The Affordable Care Act (ACA) has provided many benefits to the Southeast Asian American (SEAA) community, and in particular, its elder population. The positive impacts have continued with the start of Open Enrollment in the Health Insurance Marketplace. The ACA’s benefits include: Read More
Medicare’s Open Enrollment period is October 15 – December 7. This is when ALL people with Medicare can change their Medicare health plan and prescription drug coverage for 2014. You can find information on 2014 plans by visiting the Medicare Plan Finder. People with Medicare can call 1-800-MEDICARE or visit www.medicare.gov to learn all about Medicare. If a person is satisfied that their current plan will meet their needs for next year, they don’t need to do anything.
The Diverse Elders Coalition (DEC) knows well that large numbers of older people of color and LGBT elders nationwide face financial difficulties, making Medicare critically important to their health and economic well-being. Did you know? 46% of Latinos, 43% of Asians, 52% of African Americans over the age of 55 and 92% of American Indians and Alaska Natives are covered by Medicare (based on different studies); and according to a national health study of LGBT older people, almost all (97%) had some form of healthcare insurance coverage, primarily through Medicare. Without Medicare, many older people of color and LGBT elders would be required to pay for health expenses on their own, accrue enormous debts, and likely not receive the health care they need. The Affordable Care Act has further strengthened this vital program.
HOW DOES THE AFFORDABLE CARE ACT AFFECT MEDICARE?
• Your Medicare coverage is protected. Medicare isn’t part of the Health Insurance Marketplace established by ACA, so you don’t have to replace your Medicare coverage with Marketplace coverage. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you’ll still have the same benefits and security you have now. You don’t need to do anything with the Marketplace during Open Enrollment. Read More
The harms inflicted by discrimination reveal themselves in our bodies as we age — as people of color, as poor and low-income people, and as lesbian, gay, bisexual and transgender (LGBT) people. The symptoms manifest as higher rates of high blood pressure, cholesterol, diabetes, heart disease, HIV/AIDS, depression, social isolation and more. In medical charts throughout the country, our bodies record what it means to survive a life shaped by perpetual poverty, higher concentrations in low-wage jobs with no health insurance, thin retirement options and inadequate protections in the workplace. They depict our fractured relationships to health care — from cultural and linguistic barriers to overt bias and discrimination from health and aging providers, to a long-held, hard-earned distrust of medical staff internalized through years of differential treatment.
Our bodies confirm vividly the geographic dimensions of structural inequality, which can predict long-term health as early as childhood, based largely on where a person is born. We inhale the poison of inequality throughout our lives, and it inflames in our later years as a dismal diagnosis, a medical crisis or a preventable death. Yes, severe illness will surprise many of us at some point in our lives, and death is indiscriminate, but as empirical fact, poor health affects certain demographics disproportionately at earlier and higher rates, often the same people with no health coverage to manage the repercussions.
Oct. 1 aims to begin reversing these conditions. The health insurance marketplace established through the Affordable Care Act (ACA) offers opportunities to shop for state health insurance plans and begins improving coverage for the 47 million uninsured people in this country. Millions of people work in jobs with no health coverage, cannot afford insurance on their own and fall through gaps in public support that leave them uninsured or underinsured. Without insurance, people accrue unmanageable debt, delay health care and in turn watch their health worsen over time — a trajectory most often experienced by people of color, LGBT people and low-income people. These hardships intensify for older people who must also contend with age-related bias in the workplace and the challenges of paying for out-of-pocket expenses with meager incomes. An all-inclusive vision of health reform must incorporate the realities of aging as early as age 50. Read More
The first National Indian Conference on Aging was sponsored by the National Tribal Chairman’s Association (NTCA) in Phoenix, Arizona on June 15-17, 1976. Close to 1,500 American Indian and Alaska Native (AI/AN) people representing 171 tribes came together to speak of their needs and present recommendations for action to improve the quality of their lives. The meeting was coordinated by the National Tribal Chairman’s Association and led by President Wendell Chino.
First members of the National Indian Council on Aging
Then: Creation of NICOA
In his address to the conference attendees Mr. Chino spoke at length about the history of contributions the American Indian/Alaska Native elders have given to this great country. He consistently reminded American Indian/Alaska Native and the US Congressional leaders that American Indians/Alaska Natives have a unique status as they are specifically mentioned in the US constitution. Robert J. Miller author of Native America, Discovered and Conquered: Thomas Jefferson, Lewis & Clark, and Manifest Destiny, explains the following:
American Indian tribes have played a major role in the development and history of the United States and have engaged in official, diplomatic governmental relations with other sovereign governments from the first moment Europeans stepped foot on this continent. Indian tribes have been a part of the day to day political life of the United States and continue to have an important role in American life today. Tribes continue to have a government to government relationship with the United States and they continue to be sovereign governments with primary control and jurisdiction over their citizens and their territories. It is no surprise, then, that the relationship between Indian people, tribal governments and the United States is addressed in the United States Constitution. Read More
The Diverse Elders Coalition is proud to share these entertaining and educational animated videos to help spread the word about the new Health Insurance Marketplaces and how the ACA works. Watch the videos, learn and share them yourselves!
Los YouToons Se Preparan Para Obamacare: Cambios En Los Seguros Médicos Que Llegarán Con La Ley De La Salud a Bajo Precio
The YouToons Get Ready for Obamacare: Health Insurance Changes Coming Your Way Under the Affordable Care Act
Before the Oct. 1 start of open enrollment, the Kaiser Family Foundation presents a Spanish-language video as part of its continuing efforts to increase the public’s understanding of upcoming changes under the Affordable Care Act (ACA). Based on the previously released English-language video, “Los YouToons Se Preparan Para Obamacare” explains the basic changes in how Americans can obtain health coverage in 2014. Read More
In just 9 days, individuals across the nation will be able to begin enrolling in the new Health Insurance Marketplace as part of the Affordable Care Act.
Webinar – Don’t Miss California’s ACA Enrollment Bus
Please join SEARAC for a webinar so you and your organization are prepared to help community members access health insurance on DAY ONE! This webinar will be California-specific and will focus on what you need to know about the INDIVIDUAL MANDATE and how to get your organization ready to help community members with ENROLLMENT into Medi-Cal and Covered California. To register for the webinar, please click here: http://tinyurl.com/SEARACenrollmentbus
What: Webinar – Don’t Miss California’s ACA Enrollment Bus
When: Thursday, September 26; 1pm – 2:30pm Pacific Time
According to the latest American Community Survey, about 30% of Hispanics lack health insurance. Medicare provides nearly universal coverage, however, so the vast majority of uninsured Hispanics are age 65 and under. In fact, about 35% of Hispanics between the ages of 45 and 54, about 42% between 35 and 44, about 48% between 25 and 34, and about 47% between ages 18 and 24 lack health insurance. Despite making up 16% of the population, Hispanics represent 33% of the nation’s uninsured. Open enrollment for the ACA’s Health Insurance Marketplaces starts October 1st and cannot come soon enough for the Hispanic population.
Health and economic security in old age are not determined solely after one turns 65. Having health insurance and the access to the care that it provides has a strong influence on health throughout life. In addition to the health benefits, having health insurance allows people to become familiar with the health care system, to develop health literacy, and to work with health care providers to develop healthy habits. For many Hispanics, Medicare is the first health insurance policy in which they ever enroll. This coverage often comes decades too late, as small health issues, left untreated for years, can grow into major complications.
The National Hispanic Council on Aging (NHCOA) and the Diverse Elders Coalition (DEC) are eager to support enrollment in the Health Insurance Marketplaces. NHCOA and the DEC will conduct culturally and linguistically appropriate outreach to the populations that we represent in order to help them purchase affordable health insurance. NHCOA will begin targeted outreach soon, but Latinos interested in learning more about purchasing affordable health insurance can go to cuidaddesalud.gov or contact the National Hispanic Council on Aging at 202-347-9733.
September 18 marks the annual National HIV/AIDS and Aging Awareness Day, a day to shine a spotlight on HIV/AIDS and its impact on the aging body. The Diverse Elders Coalition and our member organizations know well that this disease greatly affects our nation’s older people. In fact, adults 50 years of age and older make up the fastest growing population with HIV, and by 2015, more than half of Americans living with HIV/AIDS will be over 50.
While individuals with HIV/AIDS are living longer lives, older adults have more than three other (usually chronic) health conditions in addition to HIV versus their age peers without HIV. As a result, they have a host of health and services needs that neither HIV nor aging services providers are fully prepared to meet. Yet older adults have rarely been targeted in HIV/AIDS prevention and awareness campaigns. As a result, many do not realize that their behaviors can put them at risk for HIV infection. Additionally, health care providers may mistakenly assume that older patients are no longer engaged in high risk behaviors, and therefore do no initiate conversation about the importance of using protection and getting tested regularly.
This is why representatives from our member organizations SAGE (Services & Advocacy for GLBT Elders) and NHCOA (National Hispanic Council on Aging) are at Capitol Hill today for a briefing, reception and hearing to highlight the needs and challenges of older adults with and at risk for HIV. You can follow what happened and get live updates by following @nhcoa and @sageusa on Twitter. Read More
October is an important month for adults needing to secure insurance coverage. Not only is October 1st open enrollment for the Health Insurance Marketplace, but October 15th is the beginning of the Medicare Part D Open Enrollment period. Once enrolled in a prescription drug plan, it’s easy to forget the importance of checking annually to make sure your current plan is the most appropriate and cost effective.
The lack of in-language assistance available to Asian American and Pacific Islander elders makes it challenging for many to understand and to complete the enrollment process for important benefit programs such as Medicare, Medicaid, and Social Security. The National Asian Pacific Center on Aging was founded to ensure that Asian American and Pacific Islander seniors were able to effectively access the programs, services, and benefits that are available to all older adults. Thirty-four years later, NAPCA operates federal employment programs, promotes healthy aging initiatives, and assists limited English speaking elders to better navigate federal programs such as Medicare.
Young Ko is a Korean Helpline representative for NAPCA. (Nelson Tang/NAPCA)
Beginning January 1, 2014, the Affordable Care Act (ACA) requires everyone to have health insurance or pay a financial penalty. To help individuals and their families find plans that fit their needs and budgets, states will run Health Insurance Marketplaces. The new Health Insurance Marketplace (“the Marketplace”) open enrollment period begins Oct. 1, 2013 and ends March 31, 2014.
The Diverse Elders Coalition (DEC) understands that enrolling older people and their families in health coverage plans is a key part of improving the health of our nation. The DEC represents some of our most vulnerable older adults: older people of color and lesbian, gay, bisexual and transgender (LGBT) older people, many of whom begin dealing with the challenges of aging as early as their 50s. The Marketplace will impact uninsured or underinsured older people who are in the 50-64 age range differently than those who are 65 or older, many of whom are already covered by Medicare. Moreover, many elders age 65+ are confused on how the Marketplace and broader ACA implementation will affect them. Thus, there exists a need to educate them about new ACA benefits, such as expansion of Medicare benefits, lower-cost prescription drugs and free preventive services. And for uninsured older people 50-64 years old, they will need to actively interact with their Marketplace to find a health insurance plan that fits their needs.
This week, the U.S. Department of Health and Human Services (HHS) is highlighting how the Marketplace affects communities of color and, as part of these efforts, asked that the DEC describe how the marketplace will impact older people of color, a percentage of whom are LGBT. Here are five reasons: Read More
There are only 41 days left until open enrollment begins under the Affordable Care Act’s (“ACA’s”) Health Insurance Marketplace. Starting October 1st individuals can enroll in insurance plans for coverage beginning on January 1, 2014. The Marketplace brings a range of options to HIV+ people for high quality insurance at lower costs.
All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These benefits include areas of significant importance to HIV+ people such as prescription drugs, lab services and chronic disease management. Without the ACA, private insurance options have varied widely from limited or no coverage in some states to very expensive comprehensive coverage in other states. For example, in New York where there are no exclusions for pre-existing conditions such as cancer, diabetes, heart disease or being HIV+, individual HMO coverage with a major insurer currently costs $1,409 per month. This price point can be extremely unaffordable for many HIV+ older adults. As the ACA is implemented in January 2014, “gold” level coverage from the same insurer will cost $688 per month. That’s $721 less a month or $8,652 more a year in an HIV+ older person’s pocket. For HIV+ older people, the Health Insurance Marketplace is yet another major benefit of the Affordable Care Act. Read More