Health+Insurance

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**//__Thursday, March 1: Cover Yourself - An Introduction to Health Insurance__//** Respond to the following questions using [|Introduction to Health Insurance] Reading the first two sections, respond to the following items using complete sentences Use Google Docs for your responses. Share with Mrs. Grams

- //Identify the two broad categories of health insurance plans.// //- How does an indemnity plan work?// //- A managed care plan involves an arrangement between. . . (complete the sentence)//

//- Identify the three basic types of managed care plans.// //- Create a Venn diagram showing the similarities and differences between the three plans.// //Advantages and disadvantages can also be identified.//

//- In your opinion, which plan is better and why?//

//**__ Monday, March 5: Health Insurance - continued __**// //Read about the basic types of managed care plans: [|HMO, PPO, and POS]. Create a table on a new Word document. Consider what each plan offers its members in terms of **deductible/cost to member, choice of health provider,** and **out-of-pocket costs**.//

Respond to the following questions using [|Introduction to Health Insurance] Respond to the following items using complete sentences. Use Google Docs for your responses. Share with Mrs. Grams

- //How does a group health insurance plan differ from the typical health insurance plan?//

//- Create a table showing the advantages and disadvantages of group coverage.//

//- Who is covered by individual health insurance?// //- How does the insurance company evaluate how much of a risk you present in applying for coverage?// //- What are the benefits of individual coverage?//

//- What is Medicare?// //- What is Medicaid?//

__// **Tuesday, March 6: Disability Insurance** //__ [|Disability Insurance] // - Who needs disability insurance? // // - Some individuals say having disability insurance is more important than having life insurance. Why do they say that? // //- Do you need to be employed to collect disability insurance?//

[|Cafeteria Plan] //- What is a cafeteria plan?// //- Why do some people refer to it as a "tax-advantaged benefits plan"?//

Respond to the following questions using [|Insure.com] Respond to the following items using complete sentences. Use Google Docs for your responses. Share with Mrs. Grams // Major medical health insurance is characterized by **HIGH** deductibles and **LOW** monthly premiums.// //- Why would an individual choose to have major medical health insurance?//

//- How do major medical insurance and critical illness insurance differ?// //- Does critical illness insurance cover all critical health concerns?// //- What risk is involved for the consumer in choosing critical illness insurance?//

//- How does COBRA coverage benefit individuals and/or their families?// //- Does everyone qualify for COBRA coverage?//

//- What is the length of most sho rt-term health insurances ? What is the maximum time an individual can have short-term insurance?// //- Who needs short-term health insurance?// //- Since this is short-term insurance, are the premiums high?// Respond to the following questions using [|Insure.com] Respond to the following items using complete sentences. Use Google Docs for your responses. Share with Mrs. Grams
 * __ //Wednesday, March 7:// __**

//- What is the intent of HIPAA ?//

[|//Health Savings Accounts//] //**Explain:**// //**Why some individuals say health savings accounts are great**// //**How health savings accounts save money for families**// //**How health savings accounts work**//

**__//Thursday, March 8 - Friday, March 9://__** Students will complete an activity over Health Insurance. Clink [|here] for the activity options. All activities are due by the beginning of class Friday.

= **RUBRICS** =

[|**//**//Disability Insurance//**//**]
 * // Videos to watch: //**
 * // [|Insurance Fundamentals] //**

"Talk the Talk": [|**//Vocabulary//**] to know

An easy way to sort through the // individual and short-term options // is to log onto [|ehealthinsurance.com] (Do not key in a social security number as it is not required.) Indicate whether you're looking for individual insurance or short-term insurance; then enter your zip code, gender, birth date, smoking status, student status and, //voila,// a dozen to several dozen options materialize. The relevant details about deductibles, co-insurance payments, and premiums are all there and you can quickly determine what plans look best. Click on those plans for all the pesky details about what each plan includes and excludes. This is a surprisingly fast and powerful tool for finding and comparing options. It won't tell you the details of being covered under a parents' policy or what a university can offer, but it will give you hard numbers those other plans will need to beat.
 * //__ Looking for information? __//**