1. Friday To Do:
Turn in your Egg Baby Reports – staple & put in the purple bin.
Health Care Lecture. Take notes – we will have an open-notes quiz on Monday!
Work on your Final Power Points over the weekend. They are due next Friday by 3:30 pm!!

2. Medicine and Health Insurance
Obtaining Health Care
Medicine and Health Insurance

3. Types of Healthcare: Standard Healthcare: Typical of US
Medication and surgery are common treatments
ID the problem then treat the problem

4. Types of Healthcare: Alternative Medicine:
Chiropractic care, acupuncture, relaxation treatment, vitamins, herbs

5. Types of Healthcare: Holistic Medicine
Look at all aspects of one’s life: stress level, diet, habits, and attitudes
Believe that mind and body are connected

6. Quackery
Use of ineffective treatment by untrained medical professionals
Most vulnerable are those desperate for a cure
Protect yourself:
Ask to see credentials, check with the Dept. of Health, see what the US Department of Health and Human Services says:

7. Healthcare Providers Routine Care: Specialized Care: Regular check-ups
Minor ailments and injuries
Primary Care Physicians
Specialized Care:
Internists, gynecologists, neurologists
Docs who specialize in one specific area

8. Types of Health Insurance
HMO
Health Maintenance Organization
Primary Care Physician controls access to services
Small co-pay
Providers get a set amount of $ for care and can not overspend
Pro: prevents unnecessary procedures
Con: may not get care you need, must stay in network

9. Types of Health Insurance
PPO
Preferred Provider Organization
have more choices in care
Can see docs outside of network
Deductible: must pay this each year before insurance steps in
Pro: good if you have a catastrophic disease, more options, you control
Con: Usually more expensive, not good for those not medically savvy

10. Types of Health Insurance
POS
Point of Service
Costs are determined by who provides the service
Doc coordinates care, insurance company pays maximum amount, can see anyone without referral, Combo of PPO and HMO

11. Types of Health Insurance
Prescription Drug Coverage
Pay a fixed amount for medication
Life Insurance
Money to pay for expenses once you have passed

12. Maintain Coverage Always keep up insurance. You can be denied for:
A pre-existing condition
Recently diagnosed and serious illnesses

13. How to protect yourself
Shop wisely:
Consider short-term policy (cheaper)
Evaluate your health status (how often do you go to the doctor? Try plan with high deductible and low premium)
How often do you visit the doc? (Young kids or family? Maybe an HMO)
COBRA Laws
Anyone who leaves their job still can have insurance for 18 months after