Post on 08-Aug-2020
Find Your Way AroundThe Health Care Law
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Agenda
People with health insurance People who are uninsured or buy
their own coverage People with Medicare
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People with Health InsurancePeople with Health Insurance
Adds More Consumer Protections
• Insurance companies can’t drop coverage if youget sick (Now)
• Insurance companies must justify increases topremiums and spend more on health care overadministrative costs (Now)
• No one can be denied coverage for apre-existing condition (2014)
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Eliminates Lifetime And AnnualCoverage Limits
• Insurance companies can’t place lifetime limits onyour coverage (Now)
• Insurance companies can’t place annual limits onyour coverage (2014)
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Mammograms
Immunizations
Screening forcancer or diabetes
Requires Coverage For MorePreventive Services
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People Who Are UninsuredOr Buy Their Own CoveragePeople Who Are UninsuredOr Buy Their Own Coverage
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Makes It Easier toBuy HealthInsurance
Makes It Easier toBuy HealthInsurance
Offers HealthInsurance Plans
by 2014
Offers HealthInsurance Plans
by 2014
The Health Insurance MarketplaceThe Health Insurance Marketplace
1. Doctor visits
2. Emergency Services
3. Hospital care
4. Maternity and newborn care
5. Mental health and substance use disorder services, includingbehavioral health treatment
6. Prescription drugs
7. Rehabilitative services and habilitative services and devices
8. Laboratory services
9. Preventive and wellness services, and chronic disease management
10.Pediatric services, including oral and vision care
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Core Set Of Benefits
Several Levels Of Coverage
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Based on average cost of an individual under the plan.Figures may not be the same for every enrolled person.
• Starting 2014
• For health insurancepurchased through theMarketplace
• Must meet income limitsto be eligible
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Provides Help Paying For Insurance
Extends Coverage To Young Adults
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Adult children can stay onyour family policy untilage 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 MedicarePeople Who Have Medicare
• Protects guaranteed Medicare benefits
• Improves Medicare benefits
• Lowers out-of-pocket costs for prescriptiondrugs
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For People With Medicare
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Lowers Out-Of-Pocket Drug CostsLowers Out-Of-Pocket Drug Costs
2020:Coverage gapwill disappear
Part D costsharing will
remain
2020:Coverage gapwill disappear
Part D costsharing will
remain
2013:52.5% discounton brand name
drugs
21% discounton generics
2013:52.5% discounton brand name
drugs
21% discounton generics
Medicare Drug Coverage
52.5% discountfor Brand Name
and 21% forGeneric
Initial Benefit CatastrophicBenefit
You pay: Deductible and 25%of drug costs
You pay: 5% of drug costs
Doughnut Hole
www.aarp.org/doughnutholewww.aarp.org/doughnuthole
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Medicare Covers More PreventiveServices
• Expands coveragefor preventivecare
• No copayments ordeductibles forMedicare-approvedpreventive care
Call Medicare at 1-800-633-4227www.medicare.gov
Call Medicare at 1-800-633-4227www.medicare.gov
• Increases consumer protections
• Makes it easier to find health insurance
• Improves Medicare-coveredbenefits
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Key Points To Remember:
www.HealthLawAnswers.orgwww.HealthLawAnswers.org
The Health Care Lawwww.HealthLawAnswers.orgwww.MiLeydeSalud.org
Medicarewww.medicare.gov 1-800-633-4227
www.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/ShareYourThoughtswww.aarp.org/ShareYourThoughts
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Upcoming Web Events
www.aarp.org/HealthWebinarswww.aarp.org/HealthWebinars
Questions & Answers