1. Male 2. Female 3. Other What is your sex?

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, Telephone:

Do You Agree to Participate? 1) I agree to participate in this research 2) I do not wish to participate in this research

In which category is your current age? Over 75

Do you currently have health insurance? 1. Yes 2. No

As of right now, how confident are you that you would choose the health plan that is best for you? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

As of right now, how confident are you that you understand health insurance terms? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

As of right now, how confident are you that you know how to estimate what you would have to pay for your health care needs in the next year, not including emergencies? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

As of right now, how confident are you that you know what questions to ask so you can choose the best health plan for you? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

As of right now, how confident are you that you can apply your knowledge and information to make a SMART CHOICE health insurance decision ? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

To explore the information you need to make a SMART CHOICE health insurance decision for you and your family. Our Plan for Today is…

You will be able to… Analyze personal and family health care needs and wants. Compare health insurance plans to determine the best choice for you and your family. Apply the knowledge and information gained to make a SMART CHOICE.

Important Words to Know

Your Questions about Health Insurance?

My SMART CHOICE Key Questions I Need to Answer

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 Gives access to health and wellness services and programs Improves health outcomes

How likely are you to see which doctors and hospitals are covered in health insurance plans? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to understand what you would have to pay for prescription drugs? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to understand what you would have to pay for emergency department visits? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to understand what you would have to pay for specialist visits? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to find out if you have to meet a deductible for health care services? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to find out if the plans cover unexpected costs such as hospital stays? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to find out how health insurance plans differ? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

Choosing a Health Insurance Plan

My SMART CHOICE What ? What do I need and want? What are my choices? What?

My Health Insurance Needs Worksheet

Sources of Health Insurance Private Insurance  Employment-based  Health Insurance Marketplace  Other private insurers Government Insurance  CHIP  Medicaid  Medicare  TRICARE

Sample Summary of Benefits and Coverage

My Health Insurance Plan Comparison Worksheet

Why? My SMART CHOICE How? How much will it cost? How much can I afford?

My Monthly Spending Plan

Choosing a Health Insurance Plan

Affordable Care Act (ACA) All Americans will have access to affordable health insurance options.  Essential benefits required in all plans  Created Health Insurance Marketplace  Tax credits to help make health insurance affordable

Affordable Care Act (ACA) Improved insurance coverage and consumer rights  Helps you understand the coverage you are getting  Curbs on insurers canceling policies  Rapid appeals on urgent medical situations

ACA 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

The ACA in North Dakota Expanded Medicaid eligibility for low-income North Dakotans ex.html North Dakota Health Insurance Marketplace dual/#state=north-dakota

Lingering Questions?

Want to Learn More? Navigators/Assistors in your state University of Maryland (Health Insurance Literacy Initiative): Ask an Expert: insurance-literacy-ask-expert insurance-literacy-ask-expert Healthcare.gov: Consumers Union:

At the end of this workshop, how confident are you that you would choose the health plan that is best for you? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

At the end of this workshop, how confident are you that you understand health insurance terms? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

At the end of this workshop, how confident are you that you know how to estimate what you would have to pay for your health care needs in the next year, not including emergencies? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

At the end of this workshop, how confident are you that you know what questions to ask so you can choose the best health plan for you? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

At the end of this workshop, how confident are you that you can apply your knowledge and information to make a Smart Choice health insurance decision? 1. Not at all confident 2. Slightly confident 3. Moderately confident 4. Very confident

How likely are you to see which doctors and hospitals are covered in health insurance plans? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to understand what you would have to pay for prescription drugs? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to understand what you would have to pay for emergency department visits? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to understand what you would have to pay for specialist visits? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to find out if you have to meet a deductible for health care services? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to find out if the plans cover unexpected costs such as hospital stays? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

How likely are you to find out how health insurance plans differ? 1. Not at all likely 2. Somewhat likely 3. Moderately likely 4. Very likely

Which of these categories best describes your race? 1. Asian/Pacific Islander 2. Black/African American 3. Hispanic or Latino 4. Native American or American Indian 5. White/Non-Hispanic 6. Other

What is the highest level of education you have completed? 1. Less than high school 2. High school graduate or GED 3. Some college or associate’s degree 4. Bachelor’s degree 5. Graduate or professional degree

What is your total income from all sources? 1. Less $25, $25,000 to $49, $50,000 to $74, $75,000 and over

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, Nicole Finkbeiner, Christine Garcia, Jinhee Kim, Lynn Little, Teresa McCoy, Mia Russell, & Andrew Williams University of Delaware Cooperative Extension: Maria Pippidis

Extension Educator Contact Information