What you need to know about how your family will benefit, what you'll really pay, whether you'll get better or worse care, and what could go wrong from here.
Ages: 68 and 65
Work status: Neither working
Within a year:
- They'll get a free annual exam, plus no co-pays or deductibles for preventive screenings.
- Since they have Part D drug coverage and each spends more than $3,000 a year on medicine, they'll each get a rebate of $250 in 2010 for prescription costs in the so-called doughnut hole, the gap in coverage for drug expenses between $2,830 and $6,440.
- In 2011 they'll get 50% off brand-name prescriptions in the doughnut hole.
- No more doughnut hole. They'll pay 25% co-insurance on drugs until their costs hit a catastrophic level, and 5% thereafter.
Last updated April 21 2010: 5:35 PM ET