1 00:00:00,000 --> 00:00:03,101 Welcome to Understanding U.S. Health Insurance. 2 00:00:03,101 --> 00:00:11,445 In this lesson, we will cover topics that will help you understand your coverage and help you make informed choices about finding care. 3 00:00:11,445 --> 00:00:15,671 To get started, we will talk about the Medical Assistance and Minnesotacare programs! 4 00:00:15,671 --> 00:00:19,261 Then we will cover key terms to help you understand your health insurance. 5 00:00:19,261 --> 00:00:24,414 To end the lesson, we will learn more about the information that is included on your health insurance card. 6 00:00:24,614 --> 00:00:25,982 Lets get started! 7 00:00:26,682 --> 00:00:30,419 Medical Assistance, also called Medikaid, and Minnesotacare are 8 00:00:30,419 --> 00:00:34,956 programs for Minnesotans who don't have access to affordable health insurance. 9 00:00:34,956 --> 00:00:41,628 When you apply through Minnsure, your household size and household income will determine which program you fall into. 10 00:00:41,628 --> 00:00:46,769 If you are enrolled in Medical Assistance, you do not have to pay a monthly premium. 11 00:00:46,769 --> 00:00:52,655 Medical Assistance members also have small co-pays for some services, usually 1 to 3 dollars. 12 00:00:53,655 --> 00:01:01,499 If you are enrolled in Minnesotacare, your premium will be between zero and eighty dollars depending on your household size and income. 13 00:01:01,499 --> 00:01:05,283 Minnesotacare members may also have small co-pays for services. 14 00:01:06,483 --> 00:01:07,489 Key Terms. 15 00:01:07,689 --> 00:01:11,795 These are words or phrases that are important to understanding your health insurance. 16 00:01:12,495 --> 00:01:13,554 Premium. 17 00:01:13,754 --> 00:01:17,387 A Premium is the amount that must be paid for most health plans. 18 00:01:17,387 --> 00:01:21,369 As a reminder, Medical Assistance members do not have a premium, and 19 00:01:21,369 --> 00:01:26,330 Minnesotacare members will have a monthly premium between zero and eighty dollars. 20 00:01:26,330 --> 00:01:31,081 If your plan does have a premium and it is not paid on time, you could lose coverage. 21 00:01:32,281 --> 00:01:33,464 Deductible. 22 00:01:33,664 --> 00:01:39,067 A deductible is the amount you pay for health services out of pocket before your insurance begins to pay. 23 00:01:39,067 --> 00:01:45,773 If you are enrolled in Medical Assistance or Minnesotacare, you do not have a deductible, and your insurance kicks in right away. 24 00:01:46,973 --> 00:01:48,180 In-Network. 25 00:01:48,380 --> 00:01:52,490 Your Network is the group of providers your health plan will cover care with. 26 00:01:52,490 --> 00:01:59,556 "Out-of-network" providers may be more expensive to see than providers in your network, and your health plans network may change. 27 00:01:59,556 --> 00:02:03,410 Contact your health plan to find out which providers are "in-network". 28 00:02:03,410 --> 00:02:06,943 We will cover how to contact your health plan later in this lesson. 29 00:02:08,143 --> 00:02:09,079 Copay. 30 00:02:09,279 --> 00:02:12,332 A copay is the amount you pay for a covered service. 31 00:02:12,332 --> 00:02:14,730 This is paid up front and is a set amount. 32 00:02:14,730 --> 00:02:19,963 Your copay is often included on your health insurance card, which we will go over next! 33 00:02:20,963 --> 00:02:24,406 Now that we have introduced some important key terms related to your 34 00:02:24,406 --> 00:02:28,150 health insurance coverage, let's talk about your health insurance card. 35 00:02:28,883 --> 00:02:36,073 After you enrolled in coverage, your health insurance plan likely sent you a card with your insurance information on it. 36 00:02:36,073 --> 00:02:42,835 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. 37 00:02:42,835 --> 00:02:46,963 If you receive multiple cards for your family members, keep them all. 38 00:02:46,963 --> 00:02:50,931 If you have been approved for coverage and have not received your 39 00:02:50,931 --> 00:02:55,633 health insurance card, you'll want to contact your servicing agency first. 40 00:02:55,633 --> 00:03:00,409 For Medical Assistance enrollees, this will be your county or tribal office. 41 00:03:00,409 --> 00:03:06,508 For Minnesotacare enrollees, you can contact DHS Health Care Consumer Support at (651) 297-3862. 42 00:03:06,508 --> 00:03:13,488 If you already know what plan you are enrolled in, you can contact your insurance plans member services directly. 43 00:03:13,488 --> 00:03:20,247 To find a list of county phone numbers and insurance member services, please see the video description below. 44 00:03:21,247 --> 00:03:27,741 Each insurance plan's card looks a little different, but the type of information it includes is typically the same. 45 00:03:27,741 --> 00:03:32,694 Most cards will have the insurance company's name at the top and more information below. 46 00:03:32,694 --> 00:03:37,447 Be sure to look at both sides of your card, some of the information might be on the back. 47 00:03:37,647 --> 00:03:39,706 Lets first locate Member Name. 48 00:03:39,906 --> 00:03:43,264 Member Name is the persons name that the insurance card belongs to. 49 00:03:43,264 --> 00:03:48,840 If you have multiple family members enrolled, you will each have a card with your name listed as the Member Name. 50 00:03:48,840 --> 00:03:52,155 Next are Member Number, Group Number, and Plan Type. 51 00:03:52,155 --> 00:03:59,538 These numbers help your health plan identify you, track your benefits, and identify providers that are in-network. 52 00:03:59,538 --> 00:04:05,640 When visiting a provider, they may ask you for your member and group number for billing purposes. 53 00:04:06,340 --> 00:04:08,163 Now let's locate Copay. 54 00:04:08,363 --> 00:04:12,928 These are the amounts you will pay for health services with in-network providers. 55 00:04:12,928 --> 00:04:15,310 Your card may have multiple copays listed. 56 00:04:15,310 --> 00:04:21,197 Some copay amounts you might see are Emergency Room co-pay, office visit co-pay, or prescription copays. 57 00:04:21,197 --> 00:04:26,557 If your card includes prescription copays, they may have prices for "Generic" and "Name Brand". 58 00:04:26,557 --> 00:04:32,577 One medication can have different names and different prices, even though the medication is the exact same. 59 00:04:32,577 --> 00:04:39,920 Asking your provider or Pharmacist for the Generic version of a prescription can often be less expensive than the Name Brand option. 60 00:04:40,920 --> 00:04:44,470 The last part of your insurance card to locate is a phone number. 61 00:04:44,470 --> 00:04:48,555 The phone numbers are sometimes next to a label like "Members Services". 62 00:04:48,555 --> 00:04:52,239 This is the number you can call if you need help finding in-network 63 00:04:52,239 --> 00:04:58,400 providers, have a question about what services are covered by your plan, or any billing or payment questions. 64 00:04:59,900 --> 00:05:02,594 Thank you for joining “Understanding U.S. 65 00:05:02,794 --> 00:05:04,566 Health Insurance”. 66 00:05:04,766 --> 00:05:11,426 For more information on the topics covered in this lesson, visit the video description for helpful links. 67 00:05:11,426 --> 00:05:15,243 If you would like to connect with a Portico Health Coach to get 68 00:05:15,243 --> 00:05:21,977 one-on-one assistance with understanding these topics, call (651) 489-2273 to schedule an appointment.