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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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

0% 0% 0%0%0%

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: irb@umd.edu 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

0%0%

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

0% 0% 0%0%0%0%

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

0% 0% 0% 0% 0%0%0%0%0%0%

15) In which county do you live?1. Enter Answer

Text

Enter Answ

er Text

0%

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