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

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



  • 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)



  • Requires coverage for more preventive services

    • Mammograms

    • Immunizations

    • Screening for cancer or diabetes


People Who Are Uninsured

Or Buy Their Own Coverage


Creates

The Health Insurance Marketplace

Makes it Easier to Buy Health Insurance

Offers health insurance plans by 2014


Creates Health Insurance Marketplaces

  • Comprehensive benefits

  • Several levels of coverage


Provides help paying for insurance

  • Starting 2014

  • For health insurance purchased through the Marketplace

  • Must meet income limits to be eligible


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




For People with Medicare

  • Protects guaranteed Medicare benefits

  • Improves Medicare benefits

  • Lowers out-of-pocket costs

  • for prescription drugs


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


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



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



More information about nursing homes

  • Makes it easier to select a nursing home

  • Makes it easier to file complaints

  • www.medicare.gov/NHcompare


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



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


Has the Health Care Law helped you?

Share your personal story

www.aarp.org/ShareYourThoughts


Upcoming Web Events

www.aarp.org/HealthWebinars


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