You & Health insurance: the why, what and how for making A smart choice
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Transcript of You & Health insurance: the why, what and how for making A smart choice
YOU & HEALTH INSURANCE: THE WHY, WHAT AND HOW FOR MAKING A SMART CHOICE
University of Maryland Extension programs are open to all citizens and will not discriminate against anyone because of race, age, sex, color, sexual orientation, physical or mental disability, religion, ancestry, or national origin, marital status, genetic information, or political affiliation, or gender identity and expression.
What is your favorite football team?
1. Redskins (the right answer)
2. Ravens (the wrong answer)
3. Eagles (Blah!)4. Giants (the
other Manning)5. Other
Redskins (the rig
ht answ
er)
Ravens (
the wrong a
nswer)
Eagles (
Blah!)
Giants (th
e other Manning)
Other
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This is the statement to say to the participants:This is the statement to say to the participants:
Will You Help Us?
Research Consent Form
This research has been reviewed according to the University of Maryland, College Park, Institutional Review Board procedures for research involving human subjects. University of Maryland College Park Institutional Review Board Office, 1204 Marie Mount Hall, College Park, Maryland, 20742 E-mail: [email protected] Telephone: 301-405-0678.
Agree to Participate?1) I agree to
participate in this research
2) I do not wish to participate in this research
I agre
e to parti
cipate in
t...
I do not w
ish to
particip
a..
0%0%
Your Questions about Health Insurance
Our Plan for Today is…
To explore the information you need to make the best health insurance decision for you and your family based on your needs and how much you can afford.
Key Questions I Need to Answer
Why?• Why do I need
health insurance?• Why is it important?
What? •What do I need and want?•What are my choices?
How?
• How much will it cost?
• How much can I afford?My Smart Choice
1) How many currently have health insurance?
1. I currently have health insurance
2. I do not currently have health insurance
I curre
ntly have health
i...
I do not c
urrently
have ...
0%0%
2) For those who currently have health insurance, how do you get your insurance?
1. Employer2. Purchase it
yourself3. Spouse or partner4. Medicare/
Medicaid5. Parent6. Other source7. Not currently
insured employer
purchase it
yourself
spouse
or partn
er
Medicare/M
edicaid
other
0% 0% 0%0%0%
3) Have you heard of the health insurance marketplace/exchange?
1. Yes2. No
Yes No
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Why?• Why do I need
health insurance?• Why is it
important?
My Smart Choice
Why Health Insurance? Provides peace
of mind Protects your
family’s financial future
Health and wellness services and programs
Better health outcomes
New Protections and Benefits
Expanded coverage for young adults
Free preventive care and annual checkups
No lifetime maximums Coverage for those with
preexisting conditions beginning January 2014
4) How familiar are you with health insurance terms (such as coinsurance, copayment, deductible, or coinsurance)?
1. Not at all familiar2. Slightly familiar3. Moderately familiar4. Very familiar5. Extremely familiar
Not at a
ll familia
r
Slightly
familia
r
Moderately familia
r
Very familia
r
Extremely
familiar
0% 0% 0%0%0%
5) If you had to choose health insurance right now, how confident are you in making this selection?
1. Not at all confident2. Slightly confident3. Moderately confident4. Very Confident5. Extremely confident
Not at a
ll confident
Slightly
confident
Moderately confident
Very Confident
Extremely
confident
0% 0% 0%0%0%
Choosing Health Insurance Using the health insurance plans in front
of you, chose the one that best fits you and your family.
6) How confident are you in your decision?
1. Not at all confident2. Slightly confident3. Moderately confident4. Very Confident5. Extremely confident
0% 0% 0%0%0%
What?
•What do I need and want?•What are my choices?
My Smart Choice
My Health Insurance Needs Worksheet
Sources of Health Insurance
Medicaid/Medicare Employer-funded health care Self-purchased
Health Insurance Plan Options
EPO (Exclusive Provider
Services)POS
(Point of Service)PPO
(Preferred Provider Organization)
How?• How much can I
afford?• How much will it
cost?
My Smart Choice
My Health Insurance Policy Comparison Worksheet
Choosing Health Insurance (Again)
7) Did you choose the same plan?
1. Yes2. No
Yes No
0%0%
8) What caused you to change your decision (if you changed it)?
1. I wanted to pay less2. I wanted more
coverage3. I chose the same
plan
More insurance
Less
insurance
I purch
ased the sa
me
0% 0%0%
9) How confident are you that you made the right decision?
1. Not at all confident
2. Slightly confident3. Moderately
confident4. Very Confident5. Extremely
confident
Not at a
ll confident
Slightly
confident
Moderately confident
Very Confident
Extremely
confident
0% 0% 0%0%0%
10) In which category is your current age?
1. 18-292. 30-493. 50-644. 65-755. Over 75
18-2930-49
50-6465-75
Over 7
5
0% 0% 0%0%0%
11) What is your gender?
1. Male2. Female
Male
Female
0%0%
12) Which of these categories best describes your race?1. Asian/Pacific
Islander2. Black/African
American3. Hispanic or Latino4. Native American or
American Indian5. White/Non-Hispanic6. Other
Asian/P
acific I
slander
Black/Afric
an American
Hispanic
or Latino
Native Americ
an or Amer...
White
/Non-H
ispanic
Other
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13) What is the highest level of education you have completed?1. Less than high
school2. High school
graduate/GED3. Some college or
associate’s degree4. Bachelor’s degree5. Graduate or
professional degreeLe
ss than high
school
High school g
raduate/GED
Some colle
ge or asso
ciate..
Bachelor’s
degree
Graduate or professi
onal...
0% 0% 0%0%0%
14) What is your total income from all sources?1. Less than $10,0002. $10,000 to $14,9993. $15,000 to $24,9994. $25,000 to $34,9995. $35,000 to $49,9996. $50,000 to $74,9997. $75,000 to $99,9998. $100,000 to $149,9999. $150,000 to $199,99910. $200,000 or more
Less
than $10,000
$10,000 to $14,999
$15,000 to $24,999
$25,000 to $34,999
$35,000 to $49,999
$50,000 to $74,999
$75,000 to $99,999
$100,000 to $149,999
$150,000 to $199,999
$200,000 or more
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15) In which county do you live?1. Enter Answer
Text
Enter Answ
er Text
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Final Questions1. What was most beneficial or useful?2. What needs to be included?3. Is there anything we should know about
this as we continue to develop the program?
Lingering Questions?
AcknowledgementsThis pilot project was developed with funding from the University of Maryland
Extension
Program Development team:University of Maryland Extension: Bonnie Braun, Virginia Brown, Shannon Dill, Nicole Finkbeiner, Christine Garcia, Jinhee Kim, Lynn Little, Teresa McCoy, Mia Russell, Crystal Terhune, & Andrew
WilliamsUniversity of Delaware Extension: Maria Pippidis
Extension Educator Contact Information