How does the Affordable Care Act Benefit the Disabled?

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Medicaid

  • Since 2010 eligibility levels for Medicaid cannot be reduced, and states now have option to expand Medicaid
  • States receive incentives to offer home and community-based services, helping you live in your home instead of an institutional setting
  • Increased Medicaid payments for primary care services provided by primary care doctors

2014

  • Some states expanded Medicaid to everybody under age 65 with incomes up to 133% FPL—no asset test, unfortunately South Carolina refused to do this

Medicare

  • Eliminate co‐payments for preventive services
  • Exempt preventive services from deductibles on Medicare
  • $250 rebate to Medicare beneficiaries who incur cost exceeding their $2,700 worth of coverage, called the donut hole in Medicare Part D
  • No guaranteed Medicare benefits are cut
  • 50% discount on brand‐name drugs in the donut hole
  • Stronger incentives for hospitals to reduce avoidable and harmful re-admissions and reduce medical errors and acquired infections that occur too frequently
  • Donut hole is expected to be fully closed; beneficiary cost-sharing reduced to 25% of the total cost of prescription drugs annually

Most importantly, insurers can no longer deny anyone coverage for pre-existing conditions, health premiums cannot be rated based on health status, and no annual or lifetime benefit caps are allowed.

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