Find Your Way Around The Health Care Law

2 Agenda People with health insurance People who are uninsured or buy their own coverage People with Medicare

3 People with Health Insurance

Adds More Consumer Protections Insurance companies can’t drop coverage if you get sick (Now) Insurance companies must justify increases to premiums and spend more on health care over administrative costs (Now) No one can be denied coverage for a pre-existing condition (2014) 4

5 Eliminates Lifetime And Annual Coverage Limits Insurance companies can’t place lifetime limits on your coverage (Now) Insurance companies can’t place annual limits on your coverage (2014)

6  Mammograms  Immunizations  Screening for cancer or diabetes Requires Coverage For More Preventive Services

7 People Who Are Uninsured Or Buy Their Own Coverage People Who Are Uninsured Or Buy Their Own Coverage

8 Makes It Easier to Buy Health Insurance Offers Health Insurance Plans by 2014 Offers Health Insurance Plans by 2014 The 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, including behavioral 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 9 Core Set Of Benefits

Several Levels Of Coverage 10 Based on average cost of an individual under the plan. Figures may not be the same for every enrolled person.

Starting 2014 For health insurance purchased through the Marketplace Must meet income limits to be eligible 11 Provides Help Paying For Insurance

Extends Coverage To Young Adults Extends Coverage To Young Adults 12 Adult children can stay on your family policy until age 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 13

14 People Who Have Medicare

Protects guaranteed Medicare benefits Improves Medicare benefits Lowers out-of-pocket costs for prescription drugs 15 For People With Medicare

16 Lowers Out-Of-Pocket Drug Costs 2020: Coverage gap will disappear Part D cost sharing will remain 2020: Coverage gap will disappear Part D cost sharing will remain 2013: 52.5% discount on brand name drugs 21% discount on generics 2013: 52.5% discount on brand name drugs 21% discount on generics

Medicare Drug Coverage 52.5% discount for Brand Name and 21% for Generic Initial Benefit Catastrophic Benefit You pay: Deductible and 25% of drug costs You pay: 5% of drug costs Doughnut Hole

19 Medicare Covers More Preventive Services Expands coverage for preventive care No copayments or deductibles for Medicare- approved preventive care Call Medicare at Call Medicare at

Increases consumer protections Makes it easier to find health insurance Improves Medicare-covered benefits 20 Key Points To Remember:

 The Health Care Law  Medicare  For More Information

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