1. Section 24.2 Participating in Your Healthcare Slide 1 of 18 Objectives Describe how to choose and participate fully in your healthcare. Compare different options for paying for healthcare. Section 24.2 Participating in Your Healthcare

2. Section 24.2 Participating in Your Healthcare Slide 2 of 18 Dear Advice Line, I just moved with my family to a new city, and I don’t have a doctor here yet. How can I make sure that the doctor we choose is the right one for me? Write a draft of a response to this question. Revise your answer after reading this section.

3. Section 24.2 Participating in Your Healthcare Slide 3 of 18 Deciding what doctor to see for routine healthcare deserves careful consideration. Your Healthcare After all, you want your healthcare delivered by qualified people with whom you feel comfortable. Choosing Healthcare Some people prefer to see a doctor in a clinic. Some people prefer to see a doctor who is in private practice.

4. Section 24.2 Participating in Your Healthcare Slide 4 of 18 Ask for recommendations. The best way to begin your search for a doctor is to ask for recommendations from family members and friends. Your Healthcare Do your research. When you have the names of some recommended doctors, you might go to your local library and check the American Medical Directory. Finding a Doctor Identify your preferences. Once you have the basic information, begin to think about your own preferences.

5. Section 24.2 Participating in Your Healthcare Slide 5 of 18 Your Healthcare Use this checklist to evaluate your current doctor.

6. Section 24.2 Participating in Your Healthcare Slide 6 of 18 A doctor will usually first take your medical history, a record of your present and past health as well as the health of members of your family. Your Healthcare You will have a physical examination, a head-to-toe check of your body to identify any medical problems you may have. The Doctor Appointment If the doctor finds a medical condition requiring attention, he or she will discuss it with you. Your medical examination should also include time for you to ask questions. Regardless of how foolish you think your questions are, keep asking them.

7. Section 24.2 Participating in Your Healthcare Slide 7 of 18 Your Healthcare The Doctor Appointment

8. Section 24.2 Participating in Your Healthcare Slide 8 of 18 In 1998, the United States Advisory Commission on Consumer Protection and Quality in the Health Care Industry adopted the Patients’ Bill of Rights. Your Healthcare As a patient you also have certain responsibilities. Your Rights and Responsibilities You must fulfill these responsibilities in order to receive the best healthcare possible. Ask your doctor about anything that concerns your health. Answer your doctor’s questions honestly.

9. Section 24.2 Participating in Your Healthcare Slide 9 of 18

10. Section 24.2 Participating in Your Healthcare Slide 10 of 18 Click above to go online. For: Updates on the Patients’ Bill of Rights

11. Section 24.2 Participating in Your Healthcare Slide 11 of 18 One way to pay for healthcare is to pay for all of your own medical expenses out-of-pocket. Paying for Healthcare Health insurance pays for a major part of an individual’s medical expenses. Some companies offer health insurance options to their employees and their families. Individuals can also purchase their own health insurance.

12. Section 24.2 Participating in Your Healthcare Slide 12 of 18 Plan members pay a monthly or yearly fee called a premium. Managed Care Insurance Whenever they visit the doctor, they may also be required to pay a small fee called a copayment. Health Maintenance Organizations Members of an HMO choose a primary care physician who provides routine care and makes referrals to specialists within the network when necessary. Point of Service Plans Point of service (POS) plans require you to choose a primary care physician. Your primary care physician may refer you to specialists outside the network. Preferred Provider Organizations A preferred provider organization (PPO) also has a network of doctors who charge reduced fees to plan members.

13. Section 24.2 Participating in Your Healthcare Slide 13 of 18 Average healthcare spending for an American family of four

14. Section 24.2 Participating in Your Healthcare Slide 14 of 18 Premium Members of a traditional plan pay a monthly premium. Traditional Insurance Deductible Members are required to pay the first part of their medical expenses each year. This fixed amount, called the deductible, must be paid before the insurance company begins paying for covered procedures. Percentage Covered After the patient has paid the deductible, traditional plans generally pay only a certain percentage of the rest of the year’s medical expenses. Services Not Covered Some medical procedures and services are not covered by traditional plans.

15. Section 24.2 Participating in Your Healthcare Slide 15 of 18 Some people in the United States cannot afford private health insurance and are eligible for government health insurance programs. Government-Sponsored Insurance Medicare is the name for the federally financed insurance program for people over age 65 and for younger people who are disabled or who have chronic kidney disease. Medicaid is a state program that pays for the healthcare of people whose incomes are below a certain level.

16. Section 24.2 Participating in Your Healthcare Slide 16 of 18 An Aging Population The growing population of elderly Americans is a major force in driving up costs. Rising Healthcare Costs Prescription Drug Costs The research and development of prescription drugs is very expensive, and this cost is usually passed on to consumers. Chronic Diseases The increasing incidence of chronic diseases affects all Americans. When individuals require more and more medical care, health insurance companies must raise everybody’s premiums to offset the extra costs.

17. Section 24.2 Participating in Your Healthcare Slide 17 of 18 Vocabulary medical historyA record of your present and past health as well as the health of members of your family. physical examination A head-to-toe check of your body to identify any medical problems. premiumA monthly or yearly fee paid for health insurance coverage. copaymentA small fee that a patient with managed care health insurance may have to pay when visiting a doctor. deductibleA fixed amount that must be paid by the patient before traditional health insurance begins paying for covered procedures.

18. Section 24.2 Participating in Your Healthcare Slide 18 of 18 QuickTake Quiz Click to start quiz.

19. Section 24.2 Participating in Your Healthcare Slide 19 of 18 End of Section 24.2 Click on this slide to end this presentation.