2424 Louisiana Blvd NE, Suite 200

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2424 Louisiana Blvd NE, Suite 200 How Federal Health Care Reform Legislation Affects Elders and Persons with Disabilities in New Mexico Nell Graham Sale, Esq 2424 Louisiana Blvd NE, Suite 200 (505) 872-0505 ngsale@pbwslaw.com www.pbwslaw.com

Questions? ? www.pbwslaw.com

New Legislation “Patient Protection and Affordable Care Act” “Health Care and Education Affordability Reconciliation Act” “Affordable Health Care Act (ACA)” www.pbwslaw.com

Reforms of existing health insurance coverage Expansion of coverage to those excluded from health insurance coverage Mandate of health insurance coverage for everyone Expansion of long term care coverage www.pbwslaw.com

Reforms of Existing Health Insurance Coverage Monitoring increases in premiums by health insurance companies Closing the “donut hole” in Medicare Small business income tax credits www.pbwslaw.com

Expansion of Coverage to Those Excluded from Health Insurance Coverage Health insurers are prohibited from denying coverage to children with pre-existing conditions Children over the age of 19 who are dependents can be covered under family policies until age 26 Federal Temporary High Risk Pool Early Retirement Reinsurance Program (EERP) www.pbwslaw.com

Mandate of Health Insurance Coverage for Everyone In 2014, everyone in the United States will be required to have health insurance coverage Employers with more than 50 employees will be penalized if they do not provide health insurance to their employees www.pbwslaw.com

Exchanges Two types: The American Health Benefit Exchange The Small Business Health Options Program or “SHOP” exchange In 2014, individuals in the United States who do not have health insurance coverage will pay an income tax penalty unless exempt www.pbwslaw.com

Expansion of Long Term Care Coverage Community Living Assistance and Supporters Act, the CLASS Act Community First Choice Option In 2014, Medicaid can provide overall medical services to every New Mexican adult whose income is below 133% of the federal poverty line ($24,360/year for a family of 3) www.pbwslaw.com

Summary 315,000 New Mexicans currently have no health care coverage $335 million in medical costs are absorbed by health care providers More than $87 million spent on indigent health care using county indigent funds http://www.hsd.state.nm.us/nhcr/nhcrlao.htm www.pbwslaw.com