2. 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.

3. Pre-Assessment 1

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

5. 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

6. Important Words to Know

7. Your Questions about Health Insurance?

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

9. Why? Why do I need health insurance? Why is it important? My SMART CHOICE

10. Why Health Insurance? Provides peace of mind Protects your family’s financial future Health and wellness services and programs Better health outcomes

11. Pre-Assessment 2

12. Choosing a Health Insurance Plan

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

14. My Health Insurance Needs Worksheet

15. Sources of Health Insurance Private Insurance  Employment-based  Health Insurance Marketplace  Other Private Insurers Government Insurance  CHIP  Medicaid  Medicare  TRICARE

16. Sample Summary of Benefits and Coverage

17. My Health Insurance Plan Comparison Worksheet

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

19. My Monthly Spending Plan

20. Choosing a Health Insurance Plan

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

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

23. 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

24. The ACA in North Dakota Expanded Medicaid eligibility for low-income North Dakotans http://www.nd.gov/dhs/medicaidexpansion/ind ex.html North Dakota Health Insurance Marketplace https://www.healthcare.gov/marketplace/indivi dual/#state=north-dakota

25. Lingering Questions?

26. Want to Learn More? Navigators/Assistors in your state University of Maryland (Health Insurance Literacy Initiative): http://www.extension.umd.edu/insure/http://www.extension.umd.edu/insure/ Ask an Expert: https://www.extension.umd.edu/insure/health- insurance-literacy-ask-expert https://www.extension.umd.edu/insure/health- insurance-literacy-ask-expert Healthcare.gov: https://www.healthcare.gov/https://www.healthcare.gov/ Consumers Union: http://consumersunion.org/pub/pdf/healthcare2012.pdf http://consumersunion.org/pub/pdf/healthcare2012.pdf

27. Post-Assessment

28. 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

29. Extension Educator Contact Information