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Aetna Health Care Timeline
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  • 1. Health Reform Timeline 2010 – 20202010 2011 2012 2013 2014 2018 2020New Programs: >  Temporary retiree reinsurance program. Specific criteria applies; limited funding. Insurance Reforms: >  New uniform coverage documents and standard definitions are developed. Hospitals, doctors and payers encouraged to join forces in “accountable care organizations.” >  Individuals making $200,000 a year or couples making $250,000 would have a higher Medicare payroll tax of 2.35% on earned income — up from Coverage Mandates & Subsidies: >  New Individual and employer coverage responsibilities. New tax (“Cadillac tax”) on employer-sponsored health plans that offer policies with generous coverage levels. Doughnut hole coverage gap in Medicare prescription benefit is fully phased out. Seniors continue to pay the >  Must have minimum medical loss ratios. the current 1.45%. A new 3.8% >  National risk pool, small business tax on unearned income, such as standard 25% of their drug >  New Individual affordability tax credit. Hospitals with high rates of dividends and interest, also added. tax credits and expanded small costs until they reach the Medicare Reforms: preventable readmissions business tax credits. threshold for Medicare >  $250 rebate for Medicare members >  Start of Medicare Advantage >  Contributions to flexible spending facing reduced catastrophic coverage. who reach the ”doughnut hole.” cost-sharing limits. accounts (FSAs) limited to $2,500 a Medicare payments. year — indexed for inflation. And Health Insurance Exchange >  Medicare beneficiaries who reach the threshold for deducting medical & Insurance Reforms:Insurance Reforms: the doughnut hole to get a 50% expenses on taxes goes from >  lifetime benefit limits — No discount on brand name drugs 7.5% to 10% of income. >  State individual and small group based on dollar amounts. health insurance exchanges >  Primary care doctors and general >  Medical device manufacturers operational. >  Allowed restricted yearly limits on surgeons practicing in underserved have a 2.9% sales tax on medical the dollar value of certain benefits. areas, such as inner cities and rural devices; with exemptions for some, >  Guaranteed issue, guaranteed communities to get a 10% bonus. like eyeglasses, contact lenses renewability, modified community >  coverage rescissions/ No rating and minimum benefit cancellations (except for fraud >  Medicare Advantage plans begin and hearing aids. standards (“essential benefits” plan) or intentional misrepresentation). having payments frozen. >  more deduction for expenses No effective. >  cost-sharing obligations No allocable to Medicare Part D subsidy for employers who maintain >  more lifetime and yearly dollar No for preventive services in network. Other: limits for essential benefits; no prescription drug plans for their >  Must have dependent >  Yearly fee for brand-name Medicare Part D-eligible retirees. more restricted annual dollar limits coverage up to age 26. drug manufacturers. for essential benefits. >  Enhanced internal and external >  Start of voluntary long-term care New taxes on health insurers. ive appeal processes. insurance program giving a cash ens lan Exp lth p benefit to help those with disabilities He a >  pre-existing condition No exclusions for dependent stay in their homes or pay nursing “Cadillac tax” home costs; benefit starts 5 years children (under 19 years of age). after paying coverage fee is imposed. >  New health plan disclosure and >  Increased funding for community transparency requirements. health centers to provide care Pre-existing condition for many low-income and uninsured people. exclusions are prohibited. Individuals making $200,000 a 2014 Medicaid and year or couples making $250,000 Medicare Reform: Hospitals with high have a higher Medicare >  Medicaid expanded to cover rates of preventable low-income individuals under payroll tax. readmissions face reduced age 65 up to 133% of the federal poverty level—about $28,300 Medicare payments. for a family of four. Employers are required to >  Minimum medical loss ratio of 85% required for Medicare report the value of health Advantage plans. care benefits on employees’ Dependent coverage W2 tax statements. up to age 26 is mandated. ©2010 Aetna Inc. 00.03.978.1 (4/10)