Resources for Health Coverage

National Disability Navigator Resource Collaborative, or NDNRC, works to provide navigators with cross-disability resources and information. Below are multiple articles written by the NDNRC staff to aid Navigators. You can visit their website here.

Coverage in the ACA Marketplace – website main page
Cross-disability information and support for Navigators and other enrollment specialists

Disability Guide – Complete Disability Guide with PDF download
The Supplemental Guide to Disability for Healthcare Insurance Marketplace Navigators aims to strengthen Navigators’ capacity to assist individuals with disabilities to make informed and appropriate healthcare insurance choices.

Fact Sheet 1 – Comparing Health Plans’ Benefits and Coverage Summaries
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about benefits and coverage available through the Health Insurance Marketplace

Fact Sheet 2 – Getting and Using Health Plan Evidence of Coverage
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about getting and using health plans’ Evidence of Coverage documents when purchasers are considering buying health insurance through the Marketplace

Fact Sheet 3 – Using Health Plan Customer Services to Learn Scope of Coverage
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about the role health plan customer services can play when purchasers are considering buying health insurance through the Marketplace.

Fact Sheet 4 – Rehabilitation and Habilitation Services and Devices
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about rehabilitation and habilitation services and devices benefits when they are considering buying health insurance through the Marketplace

Fact Sheet 5 – Prescription Medication Benefits
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about prescription medication benefits when they are considering buying health insurance through the Marketplace

Fact Sheet 6 – Supporting Collaborations between Navigators, Connectors and Assisters, and Local Disability and Affinity Organizations
This fact sheet is intended to help Navigators, connectors and assisters understand why it is important to identify and build relationships with local disability and affinity organizations

Fact Sheet 7 – Mental Health and Substance Use Disorder Parity
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about mental health and substance use disorder parity (MH/SUD) through the Health Insurance Marketplace

Fact Sheet 8 – Medically Frail Status as an Exemption to Receiving Medicaid Alternative Benefit Plan with Essential Health Benefits
This fact sheet is intended to help Navigators answer specific questions people with disabilities may call you with if their exchange application indicates that they potentially qualify for enrollment in their state’s Medicaid expansion.  These individuals may have health conditions that qualify them as “medically frail” or another category that is exempt from enrollment in the Alternative Benefit Plans (ABP) with essential health benefits that will be provided to individuals in the Medicaid expansion population.  Fitting within an exemption category could be very important for some people with disabilities who would benefit from a potentially different array of services and treatments available under traditional Medicaid, and who may have not qualified for Medicaid before under traditional eligibility rules.  If you are in a state that has chosen not to expand its Medicaid program, the information below may still be useful to callers with disabilities who did not realize they are eligible for traditional Medicaid in their state.  These callers also have a choice between state plan Medicaid and any existing ABP that they are being directed toward as the medically frail exemption applies to their situation.

Fact Sheet 9 – Streamlined Marketplace Application Process
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about using the Streamlined Marketplace Application process to apply for health insurance coverage

Fact Sheet 10 – Medical Supplies Benefits
This fact sheet is intended to help Navigators answer specific questions that people with disabilities might ask about medical supplies benefits when they are considering buying health insurance through the Marketplace

Fact Sheet 11 – Civil Rights of People with Disabilities under the Americans with Disabilities Act and Section 504 and Section 508 of the Rehabilitation Act
This fact sheet is to clarify some of the issues that may arise for Navigators when applicants and participants in the Marketplace need reasonable accommodations or policy modifications from Navigators, Assistors and Certified Application Counselors.1 It is intended to be a practical supplement that will help Navigators to evaluate how to best help consumers with various disabilities gain an equal opportunity to participate fully, privately and independently in all aspects of the Marketplace, including federally funded consumer assistance programs and activities.

Fact Sheet 12 – Process for Medicaid Eligibility
This fact sheet is intended to give Navigators, Assisters and Certified Application Counselors an idea of the questions and informational needs that people with disabilities may have about Medicaid when they are looking into purchasing private insurance in the Marketplace

Fact Sheet 13 – Referral and Resource Lists
This fact sheet is intended to help Navigators identify what additional resources are available to assist consumers with disabilities as they make decisions related to their healthcare coverage.

Fact Sheet 14 – Information for People on Medicaid Home and Community-Based Services Waiver Waiting Lists
This fact sheet is intended to provide Navigators, Assisters and Certified Application Counselors with information about people with disabilities who are on the Medicaid Home- and Community-Based Services (HCBS) Waiver waiting list.  HCBS waiver recipients and their families can seek health insurance through the Marketplace or through Medicaid expansion if that is occurring in their state, and will have concerns about continuity of care and other issues that are common to many people with disabilities, as well as a few issues that are unique to potential HCBS waiver recipients.

Fact Sheet 15 – Medicaid Buy-In
This fact sheet is intended to give Navigators and Enrollment Specialists answers to the questions that people with disabilities may have about possible Medicaid Buy-In as a coverage option when they are looking into purchasing private insurance in the Marketplace. The Buy-In program is an optional Medicaid coverage group for working individuals with disabilities.

Fact Sheet 16 – Tips for ACA Enrollees: From Coverage to Care – Persons with Disabilities
This fact sheet is intended to be a document that navigators can provide to people with disabilities to assist them in using their new insurance coverage consistent with the CMS “Coverage to Care” initiative.

Fact Sheet 17 – Disability Etiquette – Tips for Interacting with People with Disabilities
This fact sheet is intended to offer guidance to navigators on communicating more effectively with people with disabilities as they are doing ACA enrollment.

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