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Welcome to Understanding U.S. Health Insurance.

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In this lesson, we will cover topics that will help you understand
your coverage and help you make informed choices about finding care.

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To get started, we will talk about the Medical Assistance and
Minnesotacare programs!

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Then we will cover key terms to help you understand
your health insurance.

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To end the lesson, we will learn more about the information that is
included on your health insurance card.

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Lets get started!

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Medical Assistance, also called Medikaid, and Minnesotacare are

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programs for Minnesotans who don't have access to
affordable health insurance.

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When you apply through Minnsure, your household size and household
income will determine which program you fall into.

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If you are enrolled in Medical Assistance, you do
not have to pay a monthly premium.

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Medical Assistance members also have small co-pays for some services,
usually 1 to 3 dollars.

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If you are enrolled in Minnesotacare, your premium will be between

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zero and twenty eight dollars depending on your
household size and income.

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Minnesotacare members may also have small co-pays for services.

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Key Terms.

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These are words or phrases that are important to understanding your
health insurance.

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Premium.

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A Premium is the amount that must be paid for most health plans.

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As a reminder, Medical Assistance members do not have a premium, and

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Minnesotacare members will have a monthly premium between zero and
twenty-eight dollars.

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If your plan does have a premium and it is not paid on time, you
could lose coverage.

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Deductible.

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A deductible is the amount you pay for health services out of pocket
before your insurance begins to pay.

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If you are enrolled in Medical Assistance or Minnesotacare, you do
not have a deductible, and your insurance kicks in right away.

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In-Network.

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Your Network is the group of providers your health
plan will cover care with.

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"Out-of-network" providers may be more expensive to see than
providers in your network, and your health plans network may change.

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Contact your health plan to find out which providers are "in-network".

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We will cover how to contact your health plan later in this lesson.

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Copay.

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A copay is the amount you pay for a covered service.

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This is paid up front and is a set amount.

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Your copay is often included on your health insurance card, which we
will go over next!

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Now that we have introduced some important key terms related to your

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health insurance coverage, let's talk about your
health insurance card.

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After you enrolled in coverage, your health insurance plan likely
sent you a card with your insurance information on it.

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It is important to keep this card, you will need it when you see a
provider or call your health plan to ask a question.

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If you receive multiple cards for your family members, keep them all.

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If you have been approved for coverage and have not received your

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health insurance card, you'll want to contact your
servicing agency first.

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For Medical Assistance enrollees, this will be your
county or tribal office.

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For Minnesotacare enrollees, you can contact DHS Health Care Consumer
Support at (651) 297-3862.

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If you already know what plan you are enrolled in, you can contact
your insurance plans member services directly.

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To find a list of county phone numbers and insurance member services,
please see the video description below.

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Each insurance plan's card looks a little different, but the type of
information it includes is typically the same.

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Most cards will have the insurance company's name at the top and more
information below.

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Be sure to look at both sides of your card, some of the information
might be on the back.

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Lets first locate Member Name.

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Member Name is the persons name that the insurance card belongs to.

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If you have multiple family members enrolled, you will each have a
card with your name listed as the Member Name.

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Next are Member Number, Group Number, and Plan Type.

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These numbers help your health plan identify you, track your
benefits, and identify providers that are in-network.

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When visiting a provider, they may ask you for your member and group
number for billing purposes.

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Now let's locate Copay.

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These are the amounts you will pay for health services with
in-network providers.

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Your card may have multiple copays listed.

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Some copay amounts you might see are Emergency Room co-pay, office
visit co-pay, or prescription copays.

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If your card includes prescription copays, they may have prices for
"Generic" and "Name Brand".

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One medication can have different names and different prices, even
though the medication is the exact same.

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Asking your provider or Pharmacist for the Generic version of a
prescription can often be less expensive than the Name Brand option.

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The last part of your insurance card to locate is a phone number.

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The phone numbers are sometimes next to a label
like "Members Services".

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This is the number you can call if you need help finding in-network

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providers, have a question about what services are covered by your
plan, or any billing or payment questions.

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Thank you for joining “Understanding U.S.

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Health Insurance”.

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For more information on the topics covered in this lesson, visit the
video description for helpful links.

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If you would like to connect with a Portico Health Coach to get

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one-on-one assistance with understanding these topics, call (651)
489-2273 to schedule an appointment.