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    Health Care Reform:

    Health Insurance & Affordable Care Act

    If you have health insurance (including Medicare or Medicaid) now, health reform will still affect you. Here's how.

    Got Health Insurance? What Health Reform Means

    Retirees and Seniors continued...

    Businesses aren't required to offer this. The government has made public a list of employers currently participating in the Early Retirement Reinsurance Program. You can check to see if your employer is among them.

    Coming later:

    • Half off brand-name drugs in the donut hole. Brand-name prescription drug users face extremely high costs once they hit the donut hole. Relief will soon be available; the government will pick up 50% of the cost of branded drugs. Starts: Jan. 1, 2011.
    • No more donut hole. Each year following 2011, seniors will pay an increasingly smaller proportion of their drug costs until the prescription coverage donut hole is completely eliminated. Starts 2020.
    • Free preventive care. Copayments and deductibles will be completely eliminated for seniors getting annual check-ups, routine blood work, and other types of preventive care. Starts Jan. 1, 2011.


    Already in effect:

    • You won't be dropped. If you are an adult with Medicaid coverage, you won't be cut from the program as long as you continue to meet the financial eligibility requirements. States can get additional federal matching funds by expanding eligibility for low-income families. Started April 1, 2010.
    • Children on Medicaid can’t be cut. States are required to maintain current levels of Children’s Health Insurance Program (CHIP) coverage through 2019. The program provides health benefits for low-income kids. Started March 23, 2010.

    Coming later:

    • Improved preventive care. States will receive additional funding from the federal government if they offer preventive services to Medicaid recipients at no cost. Starts Jan. 1, 2013.

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