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

2. 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/20/8IybFtOtXdc Understanding Insurance Basics (College Health): http://www.youtube.com/watch?v=XXjqzu4SxNY Review Glossary Handout Review Interview Homework

3. 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:

4. Our Goals Today Explain how being “underinsured” leads to negative financial and health consequences Analyze the connection between income and health What 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.

5. 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

6. John Q Trailer http://www.youtube.com/w atch?v=96rIjxlHpmE Sometimes 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

7. 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

8. 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=E3C1rfJrSwM Watch only: 0 – 1:45 & 3:58 -5:35

9. Mary’s Story

10. Mary’s Paycheck (every 2 weeks)