1. Chelsea Werning Ben Herwig Jessica Mueller

2. Definition: Reduces the cost of your medical bills Pays for your prescription medicine Overall, saves people from major debt What is Health Insurance?

3. Everyone! Anyone can get hurt or sick! Who needs Health Insurance?

4. Injury or sickness can be unexpected Saves people from being in major debt Why do people need Health Insurance?

5. Family Health Insurance: Family goes to get medical attention Group Health : Offered to employees working for the company Short term Health Insurance: Pick the number of days you want Individual Health Insurance : He or she must have good health. Badger Care : Aren’t covered by the company they work for. Medicare : People 65 or older. Exception: Disabilities Types of Health Insurance

6. Definition: Agreement between you and your insurance company Medical benefits: Tests Drugs Treatment services Covers the cost of certain benefits! Health Insurance Policy

7. Health Insurance: Varies Often included in employer benefit packages! Average Nationwide cost per month $183 per person $414 for family The cost of Health Insurance

8. HMO-Health Maintenance Organization Helps reduce healthcare cost Pays a fixed monthly fee POS-Point of Service Mix types of care you can receive PPO-Preferred provider organization Free choice of healthcare provider HMO, PPO, POS

9. Plan Type: HMO Office Visit: 0% after Deductible $46.06 a month Deductible: $5,ooo Coinsurance 0% Plan Type: PPO Deductible: $7,500 Coinsurance: 30% Office Visit: $30.00 $61.06 a month Full time workers $250 a year for family plan People who smoke, $10-90 more a year Plans

10. People cannot afford Health Insurance because: Can’t afford insurance Not good enough job Down Falls

11. How long were you in the hospital for? In the hospital for 7 days for surgery, and had 7 months of treatment How much did it cost without insurance? $200,000-$300,000 What insurance do you have? Dean Insurance How much did you have to pay with insurance? $25.00 for an emergency room visit Are you thankful for Health Insurance? If yes, why? YES! It saves me tons of money and it gives me the ability to have good quality health care for my family! Story

12. How long were you in the Hospital for? On and off for 5 years How much did it cost without insurance? Overall, $435,000 What insurance do you have? Dean Insurance How much did you have to pay with insurance? We paid $100 Are you happy you have Health Insurance? Yes! Yes! Yes! If we didn’t we would not be where we are today. Story

13. Go to the hospital in peace Stress less about the money! Conclusion

14. . "Family Health Insurance Plan.". Health Insurance and Life Insurance Web. 19 Dec 2011... "Consumer Guide To Group Health Insurance." NAHU. NAHU, Dec, 19, 2011. Web. 19 Dec 2011. http://nahu.org/consumer/GroupInsurance.cfmhttp://nahu.org/consumer/GroupInsurance.cfm. "Short Term Medical." Assurant Health.. Web. 19 Dec 2011. <https://www.temporaryinsurance.com/STMConsumer/Quote/ContentPages/StartQuote.a sp&xgt;. "Temporary Insurance." Assurant Health. Web. 19 Dec 2011. http://www.assuranthealth.com/corp/ah/HealthPlans/short-term-health-insurance.htm http://www.assuranthealth.com/corp/ah/HealthPlans/short-term-health-insurance.htm. "Wisconsin Badgercare Health Insurance." Wisconsin Health Insurance Network. Web. 19 Dec 2011. http://wihealthnetwork.com/badgercare.htmhttp://wihealthnetwork.com/badgercare.htm. "What Is Medicare." September, 2011. Web. 19 Dec 2011.. Dogulas, D. "How Much Does Health Insurance Cost in 2011." Get Smart. Get Covered. 2011. Web. 19 Dec 2011.. Bibliography