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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.

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You & Health insurance: the why, what and how for making A smart choice

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  1. 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.

  2. What is your favorite football team? • Redskins (the right answer) • Ravens (the wrong answer) • Eagles (Blah!) • Giants (the other Manning) • Other

  3. 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: irb@umd.edu Telephone: 301-405-0678.

  4. Agree to Participate ? • I agree to participate in this research • I do not wish to participate in this research

  5. Your Questions about Health Insurance

  6. 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.

  7. Key Questions I Need to Answer My Smart Choice

  8. 1) How many currently have health insurance? • I currently have health insurance • I do not currently have health insurance

  9. 2) For those who currently have health insurance, how do you get your insurance? • Employer • Purchase it yourself • Spouse or partner • Medicare/Medicaid • Parent • Other source • Not currently insured

  10. 3) Have you heard of the health insurance marketplace/exchange? • Yes • No

  11. My Smart Choice

  12. Why Health Insurance? • Provides peace of mind • Protects your family’s financial future • Increases access to health and wellness services and programs • Leads to better health outcomes

  13. New Protections and Benefits • Expanded coverage for young adults • Preventive care and annual checkups included • No lifetime maximums • Coverage for children with preexisting conditions in effect; for adults, begins January 2014

  14. 4) How familiar or comfortable with health insurance terms are you? • Extremely uncomfortable • Uncomfortable • Neither comfortable or uncomfortable • Comfortable • Extremely comfortable

  15. 5) If you had to choose health insurance right now, how confident would you be making this selection? • Extremely unconfident • Unconfident • Neither confident or unconfident • Confident • Extremely confident

  16. Choosing Health Insurance • Using the health insurance plans in front of you, chose the one that best fits you and your family.

  17. 6) How confident are you in your decision? • Extremely unconfident • Unconfident • Neither confident or unconfident • Confident • Extremely confident

  18. My Smart Choice

  19. My Health Insurance Needs Worksheet

  20. Sources of Health Insurance • Medicaid/Medicare • Employer-funded health care • Self-purchased

  21. Health Insurance Plan Options EPO (Exclusive Provider Services) POS (Point of Service) PPO (Preferred Provider Organization)

  22. My Smart Choice

  23. My Health Insurance Comparison Worksheet

  24. Choosing Health Insurance (Again)

  25. 7) Did you choose the same plan? • Yes • No

  26. 8) How much insurance did you purchase? • More insurance • Less insurance • I purchased the same

  27. 9) How confident are you that you made the right decision? • Extremely unconfident • Unconfident • Neither confident or unconfident • Confident • Extremely confident

  28. 10) In which category is your current age? • 18-29 • 30-49 • 50-64 • 65-75 • Over 75

  29. 11) What is your gender • Male • Female

  30. 12) Which of these categories best describes your race? • Asian/Pacific Islander • Black/African American • Hispanic or Latino • Native American or American Indian • White/Non-Hispanic • Other

  31. 13) What is the highest level of education you have completed? • Less than high school • High school graduate/GED • Some college or associate’s degree • Bachelor’s degree • Graduate or professional degree

  32. 14) What is your total income from all sources • 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

  33. Final Questions • What was most beneficial or useful? • What needs to be included? • Is there anything we should know about this as we continue to develop the program?

  34. Lingering Questions?

  35. Acknowledgements This 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, and Andrew Williams University of Delaware Extension: Maria Pippidis

  36. Extension Educator Contact Information

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