1. The Health Care Law: What it Means for People with Medicare

2. Welcome 2

3. Agenda  What’s changing  What’s not changing  When changes take place  Q & A 3

4. How The Law Improves Medicare  Protects guaranteed Medicare benefits  Improves Medicare benefits Lowers prescription drug costs Adds more preventive benefits 4

5. What’s The Doughnut Hole?  Medicare Part D coverage gap Fall into the doughnut hole after total drug costs reach $2,970 Leave the doughnut hole when total out-of-pocket drug costs reach $4,750 5

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

7. Doughnut Hole Disappears  52.5% discount on brand name drugs  21% discount on generic drugs  By 2020, the doughnut hole will disappear  Part D cost sharing will remain AARP’s Doughnut Hole Calculator www.aarp.org/doughnuthole 7

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9. Adds More Preventive Care Benefits  Yearly wellness visit  Screenings for diabetes and cancers  No co-payments or deductibles Call Medicare at 1-800-633-4227 www.medicare.gov 9

10. Improves Access To Primary Care Doctors  Primary care doctors get bonus payments  Medicare gives extra payments where shortage of providers 10

11. Improves Care Coordination  Must have a face-to-face visit from a health practitioner  A physician must certify home health services  Visit must occur within 90 days before you receive home health care or 30 days after you start care 11

12. Medicare Advantage Plans  Alternative to Original Medicare  Offered by Medicare-approved private insurance companies  Pays for the same basic health care services as Original Medicare  May also pay for additional services 12

13. Changes To Medicare Advantage Plans  Guaranteed Medicare benefits are protected  Choose either a Medicare Advantage plan or Original Medicare 13

14. More Emphasis On Quality & Value  Bonuses for providing quality care  Use some of the bonus for extra benefits and rebates  Can’t charge more than Original Medicare for certain services  Must limit how much they spend each year on administrative expenses 14

15. How Medicare Advantage Plans Are Paid  Subsidies to private insurance companies will be lower  Changes in payments will result in savings to the Medicare program 15

16. What Lower Subsidies Could Mean  May drop extra services  May raise premiums and co-payments  May leave the Medicare program 16

17. What Lower Subsidies Could Mean  You will receive a notice of changes, if any  You can stay with your plan, switch your plan, or go to Original Medicare Contact your Medicare Advantage plan or call Medicare at 1-800-633-4227 www.medicare.gov 17

18. Part D Income-Related Premiums  Income levels for higher premiums start  $85,000 -- single person  $170,000 -- married couple 18

19. Reduces Waste, Fraud & Abuse  Cuts inefficient care  Identifies fraudulent providers  Reduces overpayments to insurance companies  Protects personal information Call Medicare at 1-800-633-4227 www.aarp.org/fightfraud 19

20. Remember!  Helps lower prescription drug costs  Protects guaranteed Medicare benefits  Improves Medicare-covered benefits  Makes some changes to Medicare Advantage plans  Reduces waste, fraud and inefficiencies 20

21. www.HealthLawAnswers.org

22. For More Information  The Health Care Law  HealthLawAnswers.org HealthLawAnswers.org  MiLeydeSalud.org MiLeydeSalud.org  Medicare  www.Medicare.gov1-800-633-4227 www.Medicare.gov  SHIP  www.SHIPtalk.org1-800-677-1116 www.SHIPtalk.org 22

23. 23 www.aarp.org/ShareYourThoughts Has the Health Care Law helped you? Share your personal story

24. 24 Upcoming Web Events www.aarp.org/HealthWebinars