Why is it so stressful for many adults to navigate the health care system and manage their health?

Let’s get familiar with some basic terms

Watch videos:How Does Insurance Work:http://www.youtube.com/watch?v=nXfGeMNnBsM Deductibles & Coinsurance:http://www.youtube.com/user/staysmartstayhea1thy#p/u/20/8IybFtOtXdcUnderstanding Insurance Basics (College Health):http://www.youtube.com/watch?v=XXjqzu4SxNY Review Glossary Handout Review Interview Homework

Vocab:

• Out-of-pocket costs: Payment for health services not covered by an individual’s health plan

You find the definitions for these ones:Premiums:Deductibles:Co-pays:

Our Goals Today• Explain how being “underinsured” leads to

negative financial and health consequences • Analyze the connection between income and

healthWhat do you think “underinsured” means?

3m

The authors counted people as underinsured if their out-of-pocket medical expenses equaled at least 10% of their family income, or 5% if they were already low-income, or their deductible equaled at least 5% of their income.

What does it mean to be “underinsured?”

• Definitions vary, but generally:• Underinsured: people who DO have

insurance plans but whose medical expenses (excluding premiums) amount to 10% or more of their post-tax income OR 5% or more of their income if they are below the poverty line

2m

John Q Trailerhttp://www.youtube.com/watch?v=96rIjxlHpmESometimes just having

insurance is not enough.

Less extreme examples of the negative effects of being underinsured happen to ordinary people everyday. Can you think of any?

4m

Let’s find out what being underinsured really

means… • Often people’s individual stories tend to get

lost among politically charged reform plans and complex jargon

Justin’s Story

Watch how a medical student who was faced with cancer during his training struggles to pay for his treatments.

Was he underinsured?

http://www.youtube.com/watch?v=E3C1rfJrSwMWatch only: 0 – 1:45 & 3:58 -5:35

Mary’s Story

Mary’s Paycheck (every 2 weeks)