Understand the importance of having health insurance
Identify the various costs affiliated with having health insurance
Explain how health insurance works and the different types of plans available to you
Understand how government healthcare programs like Medicaid and CHIP work and who qualifies for them
Explore steps you can take to lower your medical costs
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Why Do I Need Health Insurance?
Even if you’re young and healthy, it’s a good idea to have health insurance. Read the first part of this article to learn why it’s so important to have health insurance - stop once you reach Health Insurance and the Affordable Care Act (ACA).
How Much Does a Hospital Stay Cost?
Then, skim through the infographic to learn more about how costs differ when you are covered and not covered. Finally, answer the questions.
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Day 2 3/1/23
Different Ways to Get Health Insurance
There are a few different ways you can get health insurance. Read through this excerpt from an article to find out what your options are. Then, answer the question.
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Day 3 3/2/23
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What Is Medicaid?
You may be thinking at this point that health insurance is expensive - and it is! There’s good news though! Millions of Americans qualify for Medicaid, which can help lower your costs. Watch this short video through 1:53 to learn more about Medicaid.
Medicaid & CHIP Coverage
Then, skim through the article to learn more about another government program called CHIP. Finally, answer the questions.
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Money Saving Tips If You Can’t Afford Health Care
Even if you don’t qualify for Medicaid, there are steps you can still take to lower your medical costs. Skim through this article that provides a breakdown of things you can do. Then, answer the questions.
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Question 31
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QUESTION OF THE DAY
Question 1
1.
What percent of children under the age of 18 visit an emergency room annually? (Do some quick research online to find an answer.)
Question 2
2.
What are some likely reasons that you or another teenager could end up needing to visit the emergency room?
Question 3
3.
Visits to the ER tend to be extremely high cost due to the nature of the ailment being treated. Knowing that there is almost a 1 in 5 chance of an ER visit, how important do you think health insurance is for families with children?
Question 4
4.
If a patient reports to the ER and doesn’t have health insurance, what would happen to them?
Question 5
5.
Should everyone in the U.S. have health insurance? What about those people who can not afford it? What do they do when they can not afford health care?
Question 6
6.
In your own words, explain why it’s so important to have health insurance even if you’re young and healthy.
Question 7
7.
Skim through the infographic to see how costs compare for people with insurance and without insurance. Which of the cost differences surprised you most and why?
Health Insurance Explained - The YouToons Have It Covered
Now that you know why it’s crucial to have health insurance, let’s take a look at how the world of healthcare works. Watch this video and follow your teacher's directions to answer the questions either in your student activity packet or within the EdPuzzle itself.
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Question 9
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Question 10
10.
Define in your own words "out of pocket maximum".
Question 11
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Question 12
12.
Question 13
13.
What are the 4 main ways someone can get health insurance.
1. _______
2. _______
3. _______
4. _______
Question 14
14.
Pick one of the ways to get health insurance from question 13 and research online to find out how many people in the U.S. are insured by that method.
Benefits and Costs of Catastrophic Health Insurance
These types of plans may be a good fit for you, but they come with a cost. Read this article to learn more, and then answer the questions.
Question 15
15.
Who are catastrophic health insurance plans designed for?
Question 16
16.
What are 2 benefits of getting this type of plan?
1._______
2._______
Question 17
17.
What are 2 downsides of getting this type of plan?
1._______
2._______
Question 18
18.
Fast forward about 10 years into the future. Do you think you would sign up for a catastrophic health insurance plan? Why or why not?
HSA vs FSA
If you choose to have a high-deductible plan, you may qualify for a Health Savings Account (HSA). For some employer sponsored insurance plans, you can have a Flexible Spending Account (FSA). Watch this video to learn more about these two types of accounts. Then, answer the questions.
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Why might someone want to open up an HSA or FSA?
Question 20
20.
What are 4 characteristics of a HSA?
1._______
4._______
3._______
4._______
Question 21
21.
What are 2 characteristics of a FSA?
1._______
2._______
Question 22
22.
What are 3 characteristics that a HSA and a FSA have in common?
1._______
2._______
3._______
How Insurance Companies Set Health Premiums
No matter which type of plan you choose, you’ll have to pay a monthly premium as a member. Read this article to learn more about what factors can impact the cost of your premium.
How Much Does Health Insurance Cost Without a Subsidy?
Then, skim through the data charts in this resource to learn more about the average costs of monthly premiums.
Finally, answer the questions.
Question 23
23.
Do the Federal government’s rules for setting premiums seem fair to you? Why or why not?
Question 24
24.
Billy is 17 and was diagnosed with asthma at the age of 5. Can a health insurance company charge him a higher premium? Why or why not?
Question 25
25.
What general trends do you notice about the average cost of health insurance premiums for individual and family coverage?
Question 26
26.
Are you surprised by the cost of monthly premiums? Explain.
Question 27
27.
Take a look at the last graph that breaks down premiums by age group. Why do you think the cost of health care increases substantially after the age of 54?
Question 28
28.
In your own words, explain what Medicaid and CHIP are and who they support.
What is Medicaid and who is it for?_______
What is CHIPand who is it for?_______
Question 29
29.
What factor(s) is/are used to determine if you qualify for Medicaid and CHIP?
Question 30
30.
What is the process to enroll for Medicaid and CHIP?
What do you think are the top 3 things you can do (or will do in the future) to lower your health insurance costs?
1._______
2._______
3._______
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Question 33
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Question 34
34.
What are the three primary sources of health insurance? (three correct answers)
VA health care
Purchase from the Health Insurance Marketplace
Employer-sponsored
Medicaid
What is the difference between a copay and coinsurance?
Copay is paid by the individual when receiving a health care service, coinsurance is paid by the insurance company
Copay is typically a percentage of the health care service, coinsurance is a flat fee
Copay is typically a flat fee, coinsurance is a percentage of the health care service
Copay is paid by the insurance company, coinsurance is paid by the individual when receiving a health care service.
In which of the following plans will your insurance NOT pay if you go out-of-network?
HMO
PPO
Who should you contact if you have questions about your health insurance coverage? (two correct answers)
Your insurance company
Health Resources & Services Administration
Food & Drug Administration
Your doctor or hospital
Which of the following people likely pays the LEAST for health care?
Caroline, who has a Silver level plan and uses it frequently in the year, because she's pregnant and due to have a baby
Marty, who does not sign up for health insurance and then has a 4-week hospital stay because he gets pneumonia
Tanya, who has a Bronze level plan and goes to the doctor for an annual exam once all year
Alfred, who has a Bronze level plan and uses it for a few doctor appointments, an X-ray, and to fill monthly prescriptions
What is the benefit of using a Health Savings Account (HSA) or Flexible Savings Account (FSA)?
The year after you sign up for an account, you are offered plans with discounted premiums
If you sign up for one, you'll get a discount on your deductible through the Federal government
You can use pre-tax dollars to pay for out-of-pocket healthcare expenses
You can move any leftover money once the year is done to your checking account to cover other expenses
If you purchase a plan from the Marketplace, all of these factors affect the cost of your monthly health insurance premium EXCEPT...
Marty, who does not sign up for health insurance and then has a 4-week hospital stay because he gets pneumonia
Tanya, who has a Bronze level plan and goes to the doctor for an annual exam once all year
Alfred, who has a Bronze level plan and uses it for a few doctor appointments, an X-ray, and to fill monthly prescriptions
Caroline, who has a Silver level plan and uses it frequently in the year, because she's pregnant and due to have a baby