1. Find Your Way Around The Health Care Law

2. 2 Agenda People with health insurance People who are uninsured or buy their own coverage People with Medicare People planning for their long-term care

3. 3 People with Health Insurance

4. Ends discriminatory insurance practices Insurance companies can’t drop coverage if you get sick (Now) Insurance companies have to justify increases to premiums (Now) No one can be denied coverage for a pre-existing condition (2014) 4

5. 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. 6 Requires coverage for more preventive services  Mammograms  Immunizations  Screening for cancer or diabetes

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

8. 8 Makes it Easier to Buy Health Insurance Offers health insurance plans by 2014 Creates The Health Insurance Marketplace Creates The Health Insurance Marketplace

9. Comprehensive benefits Several levels of coverage 9 Creates Health Insurance Marketplaces

10. Starting 2014 For health insurance purchased through the Marketplace Must meet income limits to be eligible 10 Provides help paying for insurance

11. Extends coverage to young adults 11 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

12. 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 12

13. 13 People Who Have Medicare

14. Protects guaranteed Medicare benefits Improves Medicare benefits Lowers out-of-pocket costs for prescription drugs 14 For People with Medicare

15. 15 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

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

17. www.aarp.org/doughnuthole

18. 18 Medicare covers more preventive services Expands coverage for preventive care No copayments or deductibles for Medicare-approved preventive care Call Medicare at 1-800-633-4227 www.medicare.gov Call Medicare at 1-800-633-4227 www.medicare.gov

19. 19 People Planning for Long-Term Care

20. Makes it easier to select a nursing home Makes it easier to file complaints 20 More information about nursing homes www.medicare.gov/NHcompare

21. Increases consumer protections Makes it easier to find health insurance Improves Medicare-covered benefits Increases protections for people in nursing homes 21 Key points to remember:

22. www.HealthLawAnswers.org

23.  The health care law www.HealthLawAnswers.org www.miLeyDeSalud.org  Medicare www.medicare.gov 1-800-633-4227  The Marketplace in your state www.healthcare.gov 1-800-318-2596 23 For More Information

24. 24 Has the Health Care Law helped you? Share your personal story www.aarp.org/ShareYourThoughts

25. 25 Upcoming Web Events www.aarp.org/HealthWebinars