Find your way around the health care law
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Find Your Way Around The Health Care Law. Agenda People with health insurance People who are uninsured or buy their own coverage People with Medicare People planning for their long-term care. People with Health Insurance. Ends discriminatory insurance practices

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Find Your Way Around The Health Care Law

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Find your way around the health care law

Find Your Way Around The Health Care Law


Find your way around the health care law

  • Agenda

    • People with health insurance

    • People who are uninsured or buy

    • their own coverage

    • People with Medicare

    • People planning for

    • their long-term care


Find your way around the health care law

People with Health Insurance


Find your way around the health care law

  • Ends discriminatory insurance practices

  • Insurance companies can’t drop coverage if you get sick (Now)

  • Insurance companies have to justify increases to

  • premiums (Now)

  • No one can be denied coverage for a

  • pre-existing condition (2014)


Find your way around the health care law

  • Eliminates lifetime and annual coverage limits

  • Insurance companies can’t place lifetime limits on your coverage (Now)

  • Insurance companies can’t place annual limits on your coverage (2014)


Find your way around the health care law

  • Requires coverage for more preventive services

    • Mammograms

    • Immunizations

    • Screening for cancer or diabetes


Find your way around the health care law

People Who Are Uninsured

Or Buy Their Own Coverage


Find your way around the health care law

Creates

The Health Insurance Marketplace

Makes it Easier to Buy Health Insurance

Offers health insurance plans by 2014


Find your way around the health care law

Creates Health Insurance Marketplaces

  • Comprehensive benefits

  • Several levels of coverage


Find your way around the health care law

Provides help paying for insurance

  • Starting 2014

  • For health insurance purchased through the Marketplace

  • Must meet income limits to be eligible


Find your way around the health care law

Extends coverage to young adults

  • Adult children can stay on your family policy until age 26 even if they:

    • No longer live with you

    • Are married

    • Are no longer in school


Find your way around the health care law

  • Options for States to Expand Medicaid

  • Your state has the option to expand coverage to more people

  • Starts in 2014

  • Must meet income limits to be eligible


Find your way around the health care law

People Who Have Medicare


Find your way around the health care law

For People with Medicare

  • Protects guaranteed Medicare benefits

  • Improves Medicare benefits

  • Lowers out-of-pocket costs

  • for prescription drugs


Find your way around the health care law

Lowers out-of-pocket drug costs

2013:

52.5% discount on brand name drugs

21% discount on generics

2020:

Coverage gap will disappear

Part D cost sharing will remain


Find your way around the health care law

Medicare Drug Coverage

Initial Benefit

Doughnut Hole

Catastrophic Benefit

52.5% discount for Brand Name and 21% for Generic

You pay: Deductible and 25% of drug costs

You pay: 5% of drug costs


Find your way around the health care law

www.aarp.org/doughnuthole


Find your way around the health care law

Medicare covers more preventive services

  • Expands coverage for preventive care

  • No copayments or deductibles for Medicare-approved preventive care

Call Medicare at 1-800-633-4227

www.medicare.gov


Find your way around the health care law

People Planning for Long-Term Care


Find your way around the health care law

More information about nursing homes

  • Makes it easier to select a nursing home

  • Makes it easier to file complaints

  • www.medicare.gov/NHcompare


Find your way around the health care law

Key points to remember:

  • Increases consumer protections

  • Makes it easier to find health insurance

  • Improves Medicare-covered

  • benefits

  • Increases protections for

  • people in nursing homes


Find your way around the health care law

www.HealthLawAnswers.org


Find your way around the health care law

For More Information

  • The health care law

    • www.HealthLawAnswers.org

    • www.miLeyDeSalud.org

  • Medicare

    • www.medicare.gov 1-800-633-4227

  • The Marketplace in your state

    • www.healthcare.gov 1-800-318-2596


Find your way around the health care law

Has the Health Care Law helped you?

Share your personal story

www.aarp.org/ShareYourThoughts


Find your way around the health care law

Upcoming Web Events

www.aarp.org/HealthWebinars


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