Assessing Post-Insurance Enrollment Resources and Needs for New YorkersNYSHealth awarded Public Health Solutions a grant to assess New York State consumers’ post-enrollment health insurance needs and available resources and provide recommendations to meet their health insurance navigation needs.
Public Health Solutions
Empowering Health Care Consumers
April 2016 – November 2018
Since the opening of the New York State of Health Marketplace in 2014, more than 4.5 million New Yorkers have enrolled in a health plan through the Marketplace.
Although enrollment has been a huge success, gaps in the system regarding consumer education have been reported. Many of those enrolled are new to insurance and may be confused about using health insurance and its benefits, including provider networks or how to handle denied claims. Consumer education for insurance is limited and hard to find, and there is room to better address the needs of insured New Yorkers.
In 2016, NYSHealth awarded Public Health Solutions (PHS) a grant to assess New York State consumers’ post-enrollment health insurance needs and available resources and provide recommendations to meet their health insurance navigation needs.
Outcomes and Lessons Learned
PHS set out to develop a comprehensive blueprint of recommendations to enhance the current system of consumer assistance services and post-enrollment support in the State. This blueprint would examine the existing consumer assistance structure and how it addressed consumers’ needs; identify potential actions to make the system more efficient and effective; leverage the knowledge and resources of existing community-based consumer assistance systems; and make actionable recommendations for policies, strategies, and funding allocation. Under this grant, PHS:
- Collected data on the State’s consumer assistance systems and current post-enrollment resources from a variety of sources, including the Department of Financial Services (DFS), Office of the Attorney General, and Department of Health (DOH).
- Conducted interviews and/or fielded surveys with health plans and enrollment assistor staff, such as Marketplace Navigators and Certified Application Counselors and community health advocates from consumer assistance programs.
- Drafted a report on how various entities—health insurance plans, State agencies, and nonprofit advocates—provide post-enrollment assistance to New Yorkers, along with opportunities for improvement.
The project found that:
- State consumer assistance agencies are vitally important, but their full potential is compromised by a lack of uniform, comprehensive, or easy-to-access information for consumers.
- Some consumer assistance data from health insurers are unreported, such as how consumer complaints were resolved and a health plan’s rate of claims denials.
- Community-based assistance programs are essential to meeting consumers’ health insurance needs, but need to be more accessible to New Yorkers.
- Consumer assistance organizations can provide a window into systemic issues facing consumers (e.g., consumers often have limited information about premium costs and provider networks when selecting a plan).
- Basic data, such as the number of consumer complaints filed, aren’t available in a comprehensive, uniform, and interactive format for State oversight or for use by consumers and advocates to examine systemic gaps.
There were some difficulties with the project. PHS was able to collect information from State government agencies, enrollment assistors, and nonprofit organizations. However, it faced challenges in collecting sufficient and comparable data on consumer assistance resources from health insurance plans. A survey was fielded to health plans on their consumer assistance resources; success stories and best practices; staff capacity and funding; and types of consumer inquiries and concerns. Although plan information would have been de-identified, there was a low response rate by the health plans. A misunderstanding of and concern about the intent of the survey among the health plans likely contributed to their lack of participation. Although efforts were made to smooth things out and clarify intentions, most plans did not respond. With only limited information, PHS couldn’t adequately assess how well health plans are (or are not) meeting the insurance navigation needs of consumers.
Additionally, the project was conducted as more of an audit of the overall consumer assistance system, with findings and recommendations focused on identifying deficits in the system. It could have been placed greater emphasis on existing capacity and strengths that could be expanded upon. NYSHealth could have provided clearer guidance earlier in the project to appropriately re-balance the scope of the analysis. NYSHealth tried but did not fully succeed in rebalancing the tone and scope of the analysis. Changes in project personnel at the grantee organization further complicated matters.
This grant was one of the very first awarded under NYSHealth’s newly launched priority area of Empowering Health Care Consumers, which in its nascent stage was still transitioning from the Foundation’s prior emphasis on consumer insurance coverage and access issues. By the time PHS had completed its work, the project was no longer aligned with this priority area’s core strategies of promoting information transparency and engaging patients as partners in decision-making. Because of this misalignment, the limited information collected from health plans, and the scope of the analysis, the project did not result in a public report.
Co-Funding and Additional Funds Leveraged: N/A