On March 23, 2010, President Obama signed comprehensive health reform, the Patient Protection and Affordable Care Act, into law. This legislation focuses on provisions to expand coverage, control health care costs, and improve the health care delivery system. The following website provides some of the key features of the Affordable Care Act as provided by the US Department on Health and Human Services. http://www.hhs.gov/healthcare/rights/index.html
The Affordable Care Act and Older Adults
HOW WILL THE HEALTH INSURANCE MARKETPLACE THAT STARTS IN 2014 AFFECT MY MEDICARE COVERAGE?
The Health Insurance Marketplace is designed to help people who don’t have any health insurance. If you are 65 or older you likely have health insurance through Medicare. The Marketplace won't have an effect on your Medicare coverage. Your Medicare benefits are not changing. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, know you will still have the same benefits and security you have now, and you won't have to make any changes.
DO I NEED TO DO ANYTHING WITH MARKETPLACE PLANS DURING MEDICARE OPEN ENROLLMENT (OCTOBER 15 – DECEMBER 7, 2013)? Medicare’s Open Enrollment isn’t part of the new Health Insurance Marketplace. It’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.
Medicare Open Enrollment (October 15 – December 7, 2013) is the time when all people with Medicare are encouraged to review their current health and prescription drug coverage, including any changes in costs, coverage and benefits that will take effect next year. If you want to change your coverage for next year, this is the time to do it. If you’re satisfied that your current coverage will continue to meet your needs for next year, you don’t need to do anything. For more information on Medicare Open Enrollment, visit Medicare.gov or call 1-800-MEDICARE.
NOTE: The Health Insurance Marketplace Open Enrollment period (October 1, 2013 to March 31, 2014) overlaps with the Medicare Open Enrollment period (October 15 – December 7, 2013). Therefore, people with Medicare who are looking to make Medicare coverage changes should make sure that they are reviewing Medicare plans and not Marketplace options.
WHAT SHOULD I DO IF I’M CONTACTED ABOUT SIGNING UP FOR A HEALTH PLAN?
- The Medicare open enrollment period is a time when there’s a higher risk for fraudulent activities.
- It’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.
- DO NOT share your Medicare number or other personal information with anyone who knocks on your door or contacts you uninvited to sell you a health plan.
- Senior Medicare Patrol programs are teaching people with Medicare how to detect and report fraud, and protect themselves from fraudulent activity and identity theft.
- To learn more about health care fraud and ways to protect against it, visit
StopMedicareFraud.gov or the Senior Medicare Patrol (SMP) program in your area (locate your SMP at SMPresource.org).
This information is provided by the United States Department of Health and Human Services.
PPACA/Health Insurance Marketplace Information and Resources