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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www.aarp.org/HealthWebinarswww.aarp.org/HealthWebinars

Questions & Answers