find your way around the health care law. 2 agenda people with health insurance people who are...
TRANSCRIPT
Find Your Way Around The Health Care Law
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Agenda
People with health insurance People who are uninsured or buy their own coverage People with Medicare People planning for their long-term care
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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)
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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)
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Requires coverage for
more preventive services
Mammograms Immunizations Screening for
cancer or diabetes
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People Who Are Uninsured Or Buy Their Own Coverage
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Makes it Easier to Buy
Health Insurance
Offers health insurance plans by 2014
Creates The Health Insurance Marketplace
• Comprehensive benefits
• Several levels of coverage
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Creates Health Insurance Marketplaces
• Starting 2014
• For health insurance purchased through the Marketplace
• Must meet income limits to be eligible
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Provides help paying for insurance
Extends coverage to young adults
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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
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People Who Have Medicare
• Protects guaranteed Medicare benefits
• Improves Medicare benefits
• Lowers out-of-pocket costsfor prescription drugs
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For People with Medicare
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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
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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
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People Planning for Long-Term Care
• Makes it easier to select a nursing home• Makes it easier to file complaints
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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
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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
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For More Information
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Has the Health Care Law helped you?
Share your personal story
www.aarp.org/ShareYourThoughts
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Upcoming Web Events
www.aarp.org/HealthWebinars