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AMERICAN PROFILE
Local athletes head to 1st Junior Olympics Sports, B1
Visiting the nation’s quirky landmarks Inside
HEALTH INSURANCE EXCHANGES COMING SOON
OPEN MARKET GRAND OPENING OCT. 1, 2013
Genoa man sues police Alleges use of excessive force
INSURANCE PLANS
By JILLIAN DUCHNOWSKI jduchnowski@shawmedia.com
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Illustration by Caleb West – cwest@shawmedia.com
Enrollment in the Health Insurance Marketplace, or the Exchange, will open Oct. 1 as a centralized location for small businesses and individuals and families to shop for health insurance. In Illinois, there will be four “metal” levels of coverage – platinum, gold, silver and bronze – with dozens of insurance options offered at every level.
GENOA – After a jury acquitted him this week of domestic battery and assaulting a police officer, a 41-year-old Genoa man is pursuing an excessive force lawsuit against Genoa police. Charles Cravatta, of the 100 block of North State Road, alleges Genoa police officer E d L o p e z i n - Charles a p p r o p r i a t e l y Cravatta punched him twice in the face and kneed him in the thigh about 12:30 a.m. July 23, 2011. Weeks later, Cravatta was flown to a Chica- Ed Lopez go hospital with a blood clot in his head that he says is related to the punches Lopez delivered, Cravatta’s attorney Nicholas Cronauer said. Cravatta’s lawsuit also faults Genoa officials for hiring Lopez after he was suspended for 30 days from the Hanover Park Police Department for a similar incident involving a 17-year-old. Alison Harrington, a Naperville attorney representing Lopez and
Will offer coverage options for families, small businesses By JEFF ENGELHARDT jengelhardt@shawmedia.com
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hopping for health insurance soon will be as convenient as choosing between Frosted Flakes and Cheerios at a grocery store. But expect to have to sift through much more information than sugar and calorie content to figure out which one is best for you. In the largest step toward fully implementing the Affordable Care Act, Illinois will open its Health Insurance Marketplace, often referred to as the Exchange, on Oct. 1. The Exchange is a website that will serve as a central location for residents and small businesses to compare and choose from dozens of insurance plans. Six providers – including well-known companies such as Blue Cross Blue Shield – have proposed 165 plans that are awaiting approval.
Each plan will be categorized in one of four “metal” levels – bronze, silver, gold and platinum – with bronze the lowest and platinum the highest in terms of coverage, breadth, depth and services. Mike Claffey, spokesman for the health care division in Gov. Pat Quinn’s office, said specific prices for plans would be made public in September after the federal government reviews and approves the plans state officials recommend at the end of July. “The team has been working extremely hard to get everything in place for an Oct. 1 launch,” Claffey said. “There are a lot of departments working together to help put the pieces in place.” State officials have said they initially expect 500,000 residents to seek insurance when the Exchange opens Oct. 1 and expect it to
Know more To learn more about the Health Insurance Marketplace visit: • State website on health care reform, www2.illinois.gov/gov/healthcarereform/Pages/default.aspx • Federal website on health care reform, https://www.healthcare.gov/rg
DeKalb County and the insurance marketplace The Affordable Care Act, enacted in March 2010, guarantees insurance for all Americans. A Health Insurance Marketplace will open Oct. 1 that will offer dozens of insurance plans to citizens and small businesses. People who apply may qualify for lower costs on premiums or out-of-pocket costs; savings are based on household income and size. Some people will qualify for tax credits or subsidies to help pay for their insurance, and others will be newly eligible to enroll in Medicaid. In DeKalb County, there are 98,613 people younger than 65. Of those people, the following will be eligible for Medicaid or a subsidy once the Insurance Exchange opens: • 6,288 uninsured people ages 0-64 who will be Medicaid eligible • 5,208 uninsured people ages 0-64 who will be eligible for the exchange subsidy
Source: HMA/MCIC Analysis of 2009 American Community Survey Data for Illinois, provided by Illinois Health Matters
See EXCHANGES, page A7
Eye on the
Affordable Affordable Care Act
This is the first in an occasional series from the Daily Chronicle that will examine the multiple changes to health care in America in 2014 because of the federal Affordable Care Act. Future stories will focus on how local families, businesses and health care systems will be affected by the various aspects of the law.
See LAWSUIT, page A7
Detroit tries way of Big 3 The ASSOCIATED PRESS DETROIT – Four years ago, America’s Big Three automakers mortgaged all they owned or went into bankruptcy court to keep from going broke. Since then, General Motors, Chrysler and Ford have all returned to full financial health, unlike Detroit itself, which filed for bankruptcy Thursday after years of painful decline. So why can’t the Motor City use bankruptcy to transform itself in the same way? Unfortunately for Detroit, it’s not that simple. Automakers were able to shed most of their problems in bankruptcy court and come out leaner and more competitive. The city can get rid of its gargantuan debt, but a bankruptcy judge can’t bring
See DETROIT, page A7
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