find your way around the health care law. 2 agenda people with health insurance people who are...

Find Your Way Around The Health Care Law

2

Agenda

People with health insurance People who are uninsured or buy their own coverage People with Medicare People planning for their long-term care

3

People with Health Insurance

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)

4

5

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)

6

Requires coverage for

more preventive services

Mammograms Immunizations Screening for

cancer or diabetes

7

People Who Are Uninsured Or Buy Their Own Coverage

8

Makes it Easier to Buy

Health Insurance

Offers health insurance plans by 2014

Creates The Health Insurance Marketplace

• Comprehensive benefits

• Several levels of coverage

9

Creates Health Insurance Marketplaces

• Starting 2014

• For health insurance purchased through the Marketplace

• Must meet income limits to be eligible

10

Provides help paying for insurance

Extends coverage to young adults

11

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

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

12

13

People Who Have Medicare

• Protects guaranteed Medicare benefits

• Improves Medicare benefits

• Lowers out-of-pocket costsfor prescription drugs

14

For People with Medicare

15

Lowers out-of-pocket drug costs

2020: Coverage gap will disappear

Part D cost sharing will

remain

2013: 52.5% discount on brand name

drugs

21% discount on generics

Medicare Drug Coverage

52.5% discount for Brand

Name and 21% for Generic

Initial Benefit Catastrophic Benefit

You pay: Deductible and 25% of drug costs

You pay: 5% of drug costs

Doughnut Hole

www.aarp.org/doughnuthole

18

Medicare covers more preventive services

• Expands coverage for preventive care

• No copayments or deductibles for Medicare-approved preventive care

Call Medicare at 1-800-633-4227www.medicare.gov

19

People Planning for Long-Term Care

• Makes it easier to select a nursing home• Makes it easier to file complaints

20

More information about nursing homes

www.medicare.gov/NHcompare

• Increases consumer protections

• Makes it easier to find health insurance

• Improves Medicare-covered benefits

• Increases protections for people in nursing homes

21

Key points to remember:

www.HealthLawAnswers.org

The health care law

www.HealthLawAnswers.orgwww.miLeyDeSalud.org

Medicarewww.medicare.gov 1-800-633-4227

The Marketplace in your statewww.healthcare.gov 1-800-318-2596

23

For More Information

24

Has the Health Care Law helped you?

Share your personal story

www.aarp.org/ShareYourThoughts

25

Upcoming Web Events

www.aarp.org/HealthWebinars