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Demystifying the Health Care Law Presentation Deck Handout Oct 11 2012
The document outlines the Supreme Court's ruling on the Affordable Care Act, affirming its constitutionality and introducing key provisions for various groups such as insured individuals, the uninsured, and Medicare beneficiaries. It highlights changes like the creation of health insurance exchanges, elimination of discriminatory practices by insurance companies, and improved Medicare benefits. The document emphasizes expanded consumer protections, making health insurance more accessible, and includes resources for further information.
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Demystifying the Health Care Law Presentation Deck Handout Oct 11 2012
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- 2. Agenda Supreme Court’s Ruling Whatthe 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
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- 6. People with HealthInsurance Things You Need to Know 6
- 7. Ends discriminatory insurancepractices 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 andannual coverage limits 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 forpreventive services Applies to most insurance plans Covers more preventive care Mammograms Immunizations Screenings for cancer or diabetes 9
- 10. People Who AreUninsured Or Buy Their Own Coverage Things You Need to Know 10
- 11. Creates Health InsuranceExchanges Makes it easier to buy health insurance Offers health insurance plans by 2014 11
- 12. Creates Health InsuranceExchanges Offers comprehensive benefits Several levels of coverage 12
- 13. Provides Help Payingfor Insurance Starting 2014 For health insurance purchased through an exchange 13
- 14. Extends coverage toyoung 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 Statesto 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 coveragefor people with 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 coveragefor people with 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 HaveMedicare Things You Need to Know 18
- 19. For People withMedicare Protects guaranteed Medicare benefits Improves Medicare benefits Lowers out-of-pocket costs for prescription drugs 19
- 20. Lowers out-of-pocket drugcosts The doughnut hole will gradually disappear 2012: 50% discount on brand name drugs; 14% discount on generics By 2020: • Coverage gap will disappear • Part D cost sharing will remain 20
- 21. Medicare Drug Coverage InitialBenefit Doughnut Hole Catastrophic Benefit 50% discount You pay: Deductible and 25% for Brand Name You pay: 5% of drug costs of drug costs and 14% for Generic
- 22. Covers more preventiveservices 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 forLong-Term Care Things You Need to Know 23
- 24. More information aboutnursing homes Makes it easier to file complaints Extends financial protections www.medicare.gov/NHcompare 24
- 25. Key points toremember 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 Visit www.aarp.org/healthlawguide 26
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