Published on March 2, 2014
Please take this moment to convert the display to “Full Screen” “A Conversation About Medicare And Healthcare Reform” Healthcare Medical Pharmaceutical Directory .COM www.HealthcareMedicalPharmaceuticalDirectory.com
“A Conversation About Medicare And Healthcare Reform” Healthcare Medical Pharmaceutical Directory .COM www.HealthcareMedicalPharmaceuticalDirectory.com
Will healthcare reform require persons to choose new or different Medicare coverage? • Medicare is not part of the healthcare insurance programs created by the Affordable Care Act • Persons enrolled in Medicare and/or Medicare Advantage plans are not mandated to change coverage/plan providers due to healthcare reform measures • American 65 and older receiving Medicare are not required to purchase Medicare insurance through an exchange and are exempt from being penalized for no health insurance Healthcare Medical Pharmaceutical Directory .COM
Is healthcare reform reducing Medicare coverage? • There has actually been an increase in coverage/services as required by features in the healthcare reform law • Medicare now provides some preventative care such as: – Colonoscopies – Mammograms – Annual Wellness Visits • Persons will not be charged for the Part B coinsurance or deductible for this care Healthcare Medical Pharmaceutical Directory .COM
Will healthcare reform affect a person’s choice of physician/hospital? • There are no provisions in the law which will affect the physicians/care facilities persons choose for their healthcare needs • Doctors, hospitals, pharmacies and other providers may make their own decisions about how they participate as Medicare providers and to continue/discontinue serving the Medicare population Healthcare Medical Pharmaceutical Directory .COM
Is healthcare reform going to phase out Medicare? • There are no provisions for Medicare to be replaced with another plan/program now or in the future • The Medicare program’s Trust Fund has been fortified with additional monies: – It will operate at least until 2029 – This represents a 12 year extension to the program Healthcare Medical Pharmaceutical Directory .COM
Will Persons Have To Pay More For Medicare? • Some persons will have higher Medicare premiums – Premiums will increase slightly for individuals earning over $85,000 annually, couples combined income of $170,000 annually • Conversely, Medicare beneficiaries who reach the Medicare gap in prescription drug coverage (known as the “donut hole) will receive: – 47.5% discount on Medicare Part D brand prescription drugs – 21% discount on Medicare Part D generic prescription drugs – The donut hole is expected to be completely closed (covered with standard Medicare coverage copays for enrollees) by 2020 – Part D copays will be eliminated for persons eligible for Medicare and Medicaid (“dual eligibles”) and who are receiving home- and community-based services
How will Medicare Advantage plans be affected? • Some Medicare Advantage plans will receive lower payments and they may reduce optional benefits like dental or vision. • Medicare Advantage plans offering higher quality benefits may be eligible for a bonus from the government (part of which must be spent on improving enrollee benefits) • In 2014, Medicare Advantage plans are required to spend at least 85% of each dollar they receive on healthcare for beneficiaries (the remaining 15% is money the plan retains to put towards profits, reinvestment in plan operations, etc.)
Summary • Healthcare reform initiated limited changes in the nation’s Medicare program • Some coverage rules will improve level of care/service for Medicare enrollees • Cost increases were minimal and did not have widespread affect on enrollees • Enrollees still have considerable influence in the physicians/hospitals they choose for care • As healthcare reform measures are implemented moving forward, Medicare may experience additional changes due to the evolving healthcare marketplace
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