HOW TO GET AND USE YOUR HEALTH INSURANCE Cabrini Clinic

How to enroll in the Healthy Michigan Plan Better understanding of your health insurance Nuts and bolts of how to use your health insurance

New healthcare program for adults Adults began joining on April 1 st, 2014 Adults may apply at any time

Visit: Cabrini Clinic can help!

1. Outpatient services (includes Ambulance)Doctors 2. Emergency servicesER 3. HospitalizationIn the Hospital 4. Maternity carePregnant 5. Mental health and substance use disorder treatment services, including behavioral health treatment Counseling What do you get with the Healthy Michigan Plan?

6. Prescription DrugsMedicines with a Dr. order 7. Rehabilitative services and devices services and devices Wheelchairs, physical therapy 8. Laboratory servicesBlood work, scans 9. Preventive and wellness services and chronic disease management Eat right, Becoming healthy 10. Pediatric services for 19 and 20 year olds, including oral and vision care Kids age 19-20

Other things you can get Vision Dental Hearing Podiatry Transportation

How to Get the Healthy Michigan Plan Four ways to sign up – Pick one MAKE APPOINTMENT AT CABRINI CLINIC Go online: Call Sign up at the Department of Human Services Office

After you Sign Up… Four Things: 1.Pick health insurance plan through Michigan Enrolls 2.Pick a primary care provider (PCP) - Doctor 3.Schedule an appointment with your PCP (Doctor) (must be within 60 days of picking your health insurance) 4.Complete the Healthy Michigan Plan Health Risk Assessment form

1 st Step: Pick a Health Insurance Plan

2 nd Step: Pick a Primary Care Provider Also known as your DOCTOR s for Doctor? Primary Care – the first point of contact a person has with the health system; where people receive most of their everyday care. It includes the prevention, diagnosis, treatment and follow-up of various health conditions.

Some things to consider:

3 rd Step: Schedule An Appointment Scheduling Appointments Michael Goes to the Doctor Keeping Appointments Requesting Medical Records Talking with your Doctor What to take with you when you gogree or need help?

4 th Step: Complete HRA

Do I have to pay anything? Healthy Michigan Plan has some copays Copays are paid through a special health care account called the MI Health Account Cost Sharing Reducing what you pay with an HRA Not every service costs money 15

Copays – When do you pay? 16

Copays – When don’t you pay? 17

What happens next?

Looking Closer Into Your Insurance

Some things to consider:

Why would we use Urgent Care instead of the Emergency Room or our Doctor? Need medical care today and feel safe to wait a few hours Tried to see your Doctor and could not reach them Your Doctor told you to go to an Urgent Care Center e is the nearest urgent care?

Why would we use the Emergency Room? Need medical care right now and do not feel safe waiting. Issues such as: Trouble breathing Chest pain Fainting Sudden numbness Uncontrollable bleeding

Maria Goes to the Pharmacy Written prescriptions Where to go What to do Taking Medicine Keeping track

Health Insurance for Kids Children’s Special Health Care Services (CSPCS) Offers coverage offered for children under the age of 21 with special needs Cost determined by family’s needs Medicaid (Known as Healthy Kids for those under age 19) Offers coverage for children, parents, pregnant women, people with disabilities and seniors with very low incomes No cost MICHILD (Michigan’s Children’s Health Insurance Program, also known as CHIP) Offers coverage to children under the age of 19 who’s families make too much money to qualify for Medicaid but not enough to afford health care Low cost To learn more about these programs, visit at www. michigan/gov/MDCH 24

Medicare vs. Medicaid Medicare 65 and older or people with disabilities/specific health conditions Responsible for premium Generally needs a supplemental Plan Medicare counselors are available Medicaid Variety of programs Administered by the state and funded with federal dollars Designed for people with low income 25