1. Introduction to Health Science Investigate the Various Aspects of Health Insurance

2. Why is Health Care so Expensive?

3. Look at all they charge for….. Who pays for it all? Gall Bladder Removal $12,021 Screening Mammogram $102 Chest X-Ray $86 Brain MRI $1,749 Carpal Tunnel Surgery $5,049 Shoulder Repair$13,805 Coronary Artery Bypass Graft $76,784 Tetanus Shot$45 EKG$64 Birth of Baby (C-section) $13,747

4. This is why we need insurance!!!

5. Health Insurance Health care costs, including dental, are so high that most people have some type of insurance plan. Insurance companies require a fee in return for coverage for specific medical and dental care.

6. Premium Periodic payment for healthcare or prescription drug coverage.

7. Co-payment Amount the subscriber pays for medical service. Paid to the provider on the day of medical care.

8. Deductible Amount the subscriber must pay before insurance will pay.

9. Health Maintenance Organizations Require members to pay a co-payment for medical services. Must get medical care from providers that agree to the fee the HMO is willing to pay.

10. Preferred Provider Organization Physician groups and hospitals working together to give health care at a reduced cost to companies. Employees of these companies contract with PPOs and agree to see their providers.

11. Medicaid Health insurance funded by the state and federal government. Blind, disabled, and low income generally able to qualify.

12. Medicare Health insurance provided by the government to people over the age of 65.

13. TRICARE Health care program for active duty service members, retirees, and their families.

14. Workers’ Compensation Employees that get injured or die at work are covered by state workers’ compensation laws. Includes illness resulting from the workplace.

15. Learn about YOUR Insurance Talk to your parents and fill out the worksheet and learn about the type of health insurance you have.