Impact on Older Adults

During March 2010 Affordable Care Act of 2010 became law, or Health Care Reform.       

Medicare Pays
  • One free wellness visit
  • Preventive screenings
If dual eligible both for Medicare and Medicaid do not paye Part D if part community based waiver program
Medicaid advantage increase in price and possibly reduced in benefits

Prescription Drug Help
  • Coverage gap in the Medicare Part D prescription drug benefit, often called the "doughnut hole," will be completely closed by 2020. 
  • In 2011, 50% discount on generic drugs. 
  • In 2020, beneficiaries must pay 25% of the cost of drugs until the catastrophic limit is reached.
Expansion of Medicaid 
  • Create a uniform minimum Medicaid eligibility threshold across states and will eliminate a limitation of requiring adults to have dependents to be eligible
  • Federal government pays 100% costs of those who become newly eligible 
  • Medicaid payments to primary care doctors increased be equal to Medicare
More In-Home Services Provided by Medicaid
  • Incentives to encourage in-home Medicaid services
  • "Community First Choice" receive more federal subsidy
  • For a five-year period beginning in 2014, states will be required to extend the same spousal impoverishment protections currently provided to spouses of nursing home residents to spouses of individuals receiving home and community-based services. 
Content provided and cite to Kaiser Commission on Medicaid and the Uninsured and the Health Care Marketplace Project

Long Term Care Ins.-No Health Limitations
  • Beginning in January, 2011, Community Living Assistance Services and Supports (CLASS) will be available to working adults
  • While premiums and benefits have not yet been set, an individual must be enrolled in the program for 5 years and maintain the minimal work requirements for 3 of the first 5 years of employment
  • Premiums will be deducted automatically from the individual's paycheck and are expected to range from $150 to $240/month depending on the age of the enrollee (with decreased premiums available to persons with low income). 
  • The $50/day minimum benefit can be used to pay for personal care needs, medical equipment and in-home care.
  • During those five years the employee must have earned the equivalent of a quarter of coverage under the Social Security program and paid premiums for at least 24 consecutive months.

Another Resource [Advocacy Group]

New Patients’ Bill of Rights and other consumer protections. For more on the Patient Protection and Affordable Care Act—including who will benefit, what it will mean for your state, and information on the new law—check out Health Reform Central.