Find Your Way Around The Health Care Law

1. 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

3. People with Health Insurance

4. Adds More Consumer Protections • Insurance companies can’t drop coverage if you get sick (Now) • Insurance companies must justify increases to premiums and spend more on health care over administrative costs (Now) • No one can be denied coverage for a • pre-existing condition (2014)

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. The Health Insurance Marketplace Makes It Easier to Buy Health Insurance Offers Health Insurance Plans by 2014

9. Core Set Of Benefits • Doctor visits • Emergency Services • Hospital care • Maternity and newborn care • Mental health and substance use disorder services, including behavioral health treatment • Prescription drugs • Rehabilitative services and habilitative services and devices • Laboratory services • Preventive and wellness services, and chronic disease management • Pediatric services, including oral and vision care

10. Several Levels Of Coverage Based on average cost of an individual under the plan. Figures may not be the same for every enrolled person.

11. Provides Help Paying For Insurance • Starting 2014 • For health insurance purchased through the Marketplace • Must meet income limits to be eligible

12. 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

13. 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

14. People Who Have Medicare

15. For People With Medicare • Protects guaranteed Medicare benefits • Improves Medicare benefits • Lowers out-of-pocket costs for prescription • drugs

16. 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

17. Medicare Drug Coverage Doughnut Hole Catastrophic Benefit Initial 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

18. www.aarp.org/doughnuthole

19. 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

20. Key Points To Remember: • Increases consumer protections • Makes it easier to find health insurance • Improves Medicare-covered • benefits

21. www.HealthLawAnswers.org

22. For More Information • The Health Care Law • www.HealthLawAnswers.org • www.MiLeydeSalud.org • Medicare • www.medicare.gov1-800-633-4227 • www.healthcare.gov1-800-318-2596

23. Has the Health Care Law helped you? Share your personal story www.aarp.org/ShareYourThoughts

24. Upcoming Web Events www.aarp.org/HealthWebinars

25. Questions & Answers