The health care law things you need to know presentation deck handout march 21 2013
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The health care law things you need to know presentation deck handout march 21 2013

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If you are like many people, you may have questions about what the health care law means for you. This free webinar gives you an overview of the changes and improvements in the law. Learn what the ...

If you are like many people, you may have questions about what the health care law means for you. This free webinar gives you an overview of the changes and improvements in the law. Learn what the health care law means for:
People with insurance
People who are uninsured or buy their own coverage
Small business owners
People with Medicare
People planning for long-term care.

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The health care law things you need to know presentation deck handout march 21 2013 The health care law things you need to know presentation deck handout march 21 2013 Presentation Transcript

  • The Health Care Law: Things YouNeed To Know
  • 2Agenda People with health insurance People who are uninsured or buytheir own coverage People with Medicare People planning fortheir long-term care
  • 3Supreme Court Decision• The individual mandate is constitutional• States have the option to expand Medicaid
  • 4
  • 5People with HealthInsurance
  • Ends discriminatory insurancepractices• Insurance companies can’t drop coverage if you getsick (Now)• Insurance companies have to justify increases topremiums (Now)6
  • 7Eliminates lifetime and annual coveragelimits• Insurance companies can’t place lifetime limits on yourcoverage (Now)• Insurance companies can’t place annual limits on yourcoverage (2014)
  • 8Requirescoverage forpreventiveservices Applies to mostinsurance plans Covers morepreventive care Mammograms Immunizations Screening for canceror diabetes
  • 9People Who Are UninsuredOr Buy Their Own Coverage
  • 10Offers health insuranceplans by 2014Creates Health Insurance Marketplaces
  • • Comprehensivebenefits• Several levels ofcoverage11Creates Health Insurance Marketplaces
  • • Starting 2014• For health insurancepurchased through amarketplace12Provides help paying for insurance
  • Extends coverage to young adults13Adult children can stay onyour policy until age 26even 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 eligible14
  • 15People Who Have Medicare
  • • Protects guaranteed Medicare benefits• Improves Medicare benefits• Lowers out-of-pocket costsfor prescription drugs16For People with Medicare
  • 17Lowers out-of-pocket drug costs2020:Coverage gapwill disappearPart D costsharing willremain2013:52.5% discounton brand namedrugs21% discounton generics
  • Medicare Drug Coverage52.5% discountfor Brand Nameand 21% forGenericInitial Benefit CatastrophicBenefitYou pay: Deductible and 25%of drug costsYou pay: 5% of drug costsDoughnut Hole
  • www.aarp.org/doughnuthole
  • 20Medicare covers more preventiveservices• Adds a free annual wellness visit• Expands coverage for preventivecare• No copayments or deductibles forMedicare-approved preventivecareCall Medicare at 1-800-633-4227www.medicare.gov
  • 21People Planning for Long-Term Care
  • • Makes it easier to file complaints• Extends financial protections22More information about nursing homeswww.medicare.gov/NHcompare
  • • Increases consumer protections• Makes health insurance more accessible• Improves Medicare-coveredbenefits• Increases protections forpeople in nursing homes23Key points to remember:
  • www.aarp.org/healthlawguide
  • The health care lawwww.aarp.org/healthlawguidewww.aarp.org/guiadelaleydesaludMedicarewww.medicare.gov 1-800-633-4227 Insurance plans in your stateState Health Insurance Assistance Programwww.SHIPtalk.org 1-800-677-111625For More Information
  • 26Has the Health Care Law helped you?Share your personal storywww.aarp.org/ShareYourThoughts
  • 27Upcoming Web Eventswww.aarp.org/HealthWebinars