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Demystifying the Health Care Law Presentation Deck Handout Oct 11 2012
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Demystifying the Health Care Law Presentation Deck Handout Oct 11 2012

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Understanding the health care law shouldn’t feel like a Sherlock Holmes mystery. Although with so much information out there, it can sometimes be difficult to weed out the facts from the fiction. This …

Understanding the health care law shouldn’t feel like a Sherlock Holmes mystery. Although with so much information out there, it can sometimes be difficult to weed out the facts from the fiction. This presentation will help you debunk some of the myths and have a clearer understanding of the changes and improvements in the law and how each applies to you.

Learn what the health care law means for:
People with health insurance.
People who are uninsured or buy their own coverage.
Small business owners.
People with Medicare.
People planning for their long-term care.

Published in: Health & Medicine

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Transcript

  • 1. DemystifyingThe Health Care Law
  • 2. AgendaSupreme Court’s RulingWhat the health care law means for:  People with health insurance  People who are uninsured or buy their own coverage  People with Medicare  People planning for their long-term care  AARP’s Health Law Guide 2
  • 3. Supreme Court Decision The Supreme Court ruled that the majority of the critically important provisions of the Affordable Care Act are constitutional 3
  • 4. Supreme Court Decision • The individual mandate is constitutional • States have the option to expand Medicaid 4
  • 5. What’s Next? 5
  • 6. People with Health Insurance Things You Need to Know 6
  • 7. Ends discriminatory insurance practices Insurance companies can’t drop coverage if you get sick (Now) Insurance companies have to justify increases to premiums (Now) Children under age 19 can’t be denied coverage for a pre-existing condition (Now) 7
  • 8. Eliminates lifetime and annual coveragelimits Insurance companies can’t place lifetime limits on your coverage (Now) Insurance companies can’t place annual limits on your coverage (2014) 8
  • 9. Requires coverage for preventive services Applies to most insurance plans Covers more preventive care  Mammograms  Immunizations  Screenings for cancer or diabetes 9
  • 10. People Who Are UninsuredOr Buy Their Own Coverage Things You Need to Know 10
  • 11. Creates Health Insurance Exchanges Makes it easier to buy health insurance Offers health insurance plans by 2014 11
  • 12. Creates Health Insurance Exchanges Offers comprehensive benefits Several levels of coverage 12
  • 13. Provides Help Paying for Insurance Starting 2014 For health insurance purchased through an exchange 13
  • 14. Extends coverage to young adults Adult children can stay on your policy until age 26 Adult children can be covered even if they:  Live with you  Are married  Are no longer in school 14
  • 15. Option for States to Expand Medicaid Starts in 2014 Your state has the option to expand coverage to more people Must meet income limits to be eligible 15
  • 16. Provides temporary coverage for peoplewith pre-existing conditions “Pre-Existing Condition Insurance Plan” (PCIP) You must be uninsured for at least 6 months and have a pre-existing health condition Information about the PCIP in your state is available NOW! www.pcip.gov 16
  • 17. Provides temporary coverage for peoplewith pre-existing conditions Covers a range of benefits Covers pre-existing conditions Ends when exchanges start in 2014 www.pcip.gov 17
  • 18. People Who Have Medicare Things You Need to Know 18
  • 19. For People with Medicare Protects guaranteed Medicare benefits Improves Medicare benefits Lowers out-of-pocket costs for prescription drugs 19
  • 20. Lowers out-of-pocket drug costsThe doughnut hole will gradually disappear2012: 50% discount on brand namedrugs; 14% discount on genericsBy 2020: • Coverage gap will disappear • Part D cost sharing will remain 20
  • 21. Medicare Drug CoverageInitial Benefit Doughnut Hole Catastrophic Benefit 50% discountYou pay: Deductible and 25% for Brand Name You pay: 5% of drug costsof drug costs and 14% for Generic
  • 22. Covers more preventive servicesAdds a free annual wellness visitExpands coverage for preventive care No copayments or deductibles for Medicare-approved preventive care Call Medicare at 1-800-633-4227 www.medicare.gov 22
  • 23. People Receiving for Long-Term Care Things You Need to Know 23
  • 24. More information about nursing homes Makes it easier to file complaints Extends financial protections www.medicare.gov/NHcompare 24
  • 25. Key points to remember about the ACA: Increases consumer protectionsMakes health insurance more accessible Improves and expands Medicare-covered benefitsIncreases protections for people in nursing homes 25
  • 26. For More Information Visitwww.aarp.org/healthlawguide 26
  • 27. Upcoming Web Eventswww.aarp.org/healthwebinars 27