1. The Health Care Law: Things You Need to Know

2. Welcome 2

3. What the law means for people:  With health insurance  Who are uninsured or buy their own coverage  Who are small business owners  Who have Medicare  Who receive long-term care 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 6

7. Ends unfair 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. 8 Eliminates coverage limits Insurance companies can’t place lifetime limits on your coverage (Now) Insurance companies can’t place annual limits on your coverage (2014)

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 Uninsured Or Buy Their Own Coverage 10

11. Creates Health Insurance Marketplaces Makes it easier to buy health insurance Starts in 2014 11

12. Creates Health Insurance Marketplaces Core benefits Several levels of coverage Easier to compare benefits and costs 12

13. Provides Help Paying for Insurance Starts in 2014 For insurance purchased through a Marketplace 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:  Don’t live with you  Are married  Are no longer in school 14

15. Option for States to Expand Medicaid Starts in 2014 Option to expand Meet income limits 15

16. Small Business Owners 16

17. Businesses with < 100 employees can buy insurance through the Marketplace Businesses with < 50 employees pay no penalty if they do not offer coverage 17 More options to offer employees

18. Tax credits to offset insurance costs If < 25 employees with average wages < $50,000 If pay 50%+ of employee health insurance www.IRS.gov www.smallbusinessmajority.org 18

19. Other benefits for businesses with up to 100 employees “Simple Cafeteria” plans Wellness program grants 19

20. People With Medicare 20

21. For People with Medicare Protects guaranteed Medicare benefits Improves Medicare benefits Lowers out-of-pocket costs for prescription drugs 21

22. 22 Lowers out-of-pocket drug costs The doughnut hole will gradually disappear 2013: 52.5% discount on brand name drugs; 21% discount on generics By 2020: Coverage gap will disappear Part D cost sharing will remain

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

24. www.aarp.org/doughnuthole

25. 25 Other Changes to Medicare Part D Income-related premiums For those with Part D Income levels  $85,000 = single person  $170,000 = married couples

26. 26 Covers more preventive services Yearly wellness visit More health screenings No copayments or deductibles for approved preventive care Call Medicare at 1-800-633-4227 www.medicare.gov

27. People Receiving Long-Term Care 27

28. More information about nursing homes $ spent on resident care Staff turn-over Easier to file complaints www.medicare.gov/NHcompare 28

29. Key points to remember: Increases consumer protections Makes health insurance more accessible Improves Medicare benefits Increases protections for people in nursing homes 29

30. www.aarp.org/healthlawguide

31. Questions and Answers 31

32. For more information  The health care law www.aarp.org/healthlawguide www.aarp.org/guiadelaleydesalud  Medicare www.medicare.gov 1-800-633-4227  Insurance plans in your state State Health Insurance Assistance Program www.SHIPtalk.org 1-800-677-1116 32

33. 33 Has the Health Care Law helped you? Share your personal story www.aarp.org/shareyourthoughts

34. 34 www.aarp.org/healthlawguide