December 2, 2023

Health Insurance

Follow Your Health Insurance

Well being advocates help Floridians navigate Medicaid unwinding

Well being employee Verónica Ortiz is acquiring a conversation in Spanish with her customer Gloria Martinez inside the Hispanic Expert services Council’s Riverview office. She tells her to be on alert for letters from the government. If Martinez receives a letter with a yellow stripe on the envelope, it is about her Medicaid coverage.

This weekend, a need passed by Congress early on in the coronavirus pandemic to keep folks repeatedly enrolled on Medicaid expires. For the initial time in a few years, states like Florida can start off getting rid of contributors who really don’t qualify or who don’t reapply adequately. Advocates like Ortiz are trying to assist people today as a result of the course of action.

Ortiz is what is recognized in Spanish as a promotora de salud. Promotoras give health education to associates of their group and support them use for rewards. Most of the purchasers Ortiz serves live in Hillsborough County and either simply cannot talk English, or just sense a lot more comfy talking Spanish, like Martinez.

Martinez, 57, has many sclerosis and explained she qualifies for Medicaid simply because she is on disability.

“It’s complicated to implement for the reason that it’s extremely baffling,” she mentioned in Spanish.

The Florida Department of Youngsters and People claimed in its program for Medicaid redetermination that it will consider to use existing information and facts to automatically renew as lots of men and women as possible. But Florida performs even worse than some other states when it arrives to that approach, with much less than fifty percent of its renewals carried out immediately.

Graphic of an envelope with a yellow stripe on it and a message to "Look out for the yellow stripe."

Florida Department of Young children and Family members


The point out is encouraging the public to be on alert for letters with the yellow stripe, which signify they are thanks for a Medicaid renewal.

Employees will have to access out to most enrollees for additional information, these as files verifying cash flow or incapacity status.

Martinez suggests her standing has not altered given that the pandemic, so she ought to be capable to keep coverage. But she stated it nonetheless helps to have Ortiz stroll her through reapplying.

“I’m very grateful for this services, and I really don’t know what I would do with out this services and Ms. Veronica,” she stated in Spanish. “May God usually choose care of her.”

Ortiz beamed.

Throughout the condition, wellbeing advocates like Ortiz are gearing up to enable the report 5.7 million Floridians at the moment enrolled in Medicaid navigate the renewal approach. Of these, the point out estimates approximately 1.75 million could get rid of their protection.

Some will uncover or previously have other well being treatment selections, this kind of as employer-sponsored coverage, but professionals fear hundreds of family members could slip by means of the cracks. Investigation displays young children, who make up the bulk of Florida’s Medicaid population, are most at risk.

Enrolling in wellness care isn’t quick, explained Jodi Ray, govt director of Florida Covering Children and Family members at the College of South Florida, aspect of the statewide nonprofit initiative Covering Florida.

“The way our overall health treatment protection method is set up in Florida, it in fact displays, probably, the most difficult health protection program in the place in terms of navigating it,” Ray claimed.

Just one purpose is that unlike some states, Florida administers its Medicaid method individually from CHIP, small for the Children’s Health and fitness Insurance policies Software, also known in this state as Florida Healthful Youngsters. The latter serves kids with slightly larger incomes, and could be an option for some kids who no longer qualify for Medicaid. But transitioning among the two courses demands added actions for Florida households that some in other sections of the country won’t have to offer with.


Florida is also 1 just 10 states that have not expanded Medicaid to deal with a lot more doing work-age grownups. For the reason that of this, these enrollees could find them selves in a protection gap, meaning they get paid way too much for Medicaid but not enough to qualify for subsidized overall health designs on the Inexpensive Treatment Act marketplace.

Masking Florida has navigators in all 67 Florida counties skilled to enable folks discover their alternatives.

“We know the procedures and the processes genuinely, definitely well,” claimed Ray, who has been assisting persons locate insurance for the past 20 years. “That allows us discover exactly where there could be difficulties, possibly a little something in the procedure failed to go suitable, or in which the household skipped some thing and they just do not fully grasp what their upcoming phase is.”

For case in point, a family members with unstable housing could overlook that letter with the yellow stripe if the state sends it to an outdated deal with. Or giving evidence of revenue could be tough.

Some of the people Verónica Ortiz with the Hispanic Companies Council functions with have employers who pay them in funds and never depart a great deal of a paper path.

“We try to enable them as much as we can to inform them how to convey to their bosses that they will need a letter,” she reported. “Sometimes they sense afraid. They do not want to drop their occupation, they say, ‘I never want my manager to get mad.’ I say, ‘Just inform them, you know, it really is healthcare insurance policies for my children.’”

The Department of Children and Families says it has ramped up call center staff members to guide enrollees and is sharing academic elements about the unwinding in a number of languages.

But advocates say it truly is significant to have men and women who have designed associations in the communities they provide concerned in the procedure.


You can make an appointment in-individual or nearly with a Masking Florida navigator on its site or by contacting 877-813-9115.

Inhabitants in the Tampa Bay space can get help from the Hispanic Providers Council’s promotoras de salud by calling 813-936-7700 or master more on its internet site.

The Family Healthcare Basis has navigators in Hillsborough, Pasco, Pinellas, and Polk Counties. Residents can routine in-human being or virtual appointments on its web site or contact 813-995-7005.

The Section of Children and Families’ Office environment of Financial Self Sufficiency has a customer connect with center residents can achieve at 850-300-4323. They can also dial 711 for Florida Relay or TTY 1-800-955-8771.

DCF also has how-to tutorial films about the method on its Medicaid redetermination webpage.