Are you confused about Health Care Reform and the Affordable Care Act (ACA)? You’re not alone. Unfortunately, it’s hard to make an informed decision if you don’t understand the facts. Since I don’t like making uninformed decisions, I went searching for some details to help me understand the topic and figure out how it affects me (yes, I have an “it’s-all-about-me” attitude when it comes to health care). I did find some great resources that made health care reform pretty easy to understand so I thought I’d share them with you so you can be a Wondermom health care decision-maker too.
You have probably heard of open enrollment. During open enrollment you need to buy the right health plan to secure it for your family. Open enrollment ends February 15 so you need to act soon. I know you don’t have time to read hundreds of articles, so luckily you found mine!
Since I’m a visual learner and a busy mom, I was happy to find UHC-TV which has compiled an entire library of helpful (and brief!) videos to break this immense topic down into manageable pieces. I’ve picked the videos that were the most helpful to me. Since I really didn’t understand Open Enrollment, I started with this one:
Open Enrollment Guide
What Am I Buying?
Ok, so that answered my question about open enrollment, but what REALLY mattered to me is figuring out what choices I had and what decisions I had to make. I found some good news — Insurance companies prefer for you to be healthy which is why it is cheaper if you are. It’s also why preventative care and other proactive measures are being covered by insurance more often now. I guess that’s one more reason I should stop putting off my mammogram.
Since health plans are annual, you have limited opportunities to switch plans once you’ve chosen one. That’s why it’s important to look at deductibles, co-pays, premiums and max out-of-pocket expense limits. And you’ll of course want to know what is covered. What are your family’s health care needs (e.g. annual physicals, chronic conditions, prescriptions, anticipated operations or procedures)? I don’t know about you, but just reading that makes my head spin. This video makes it far less daunting:
Choosing a Health Plan
What Does All of This Mean?
I know this is a lot to take in. Don’t worry! Click on any of the links below to view videos on UHC-TV about terms that might still be confusing you.
- Health Insurance Glossary
- What’s a Premium?
- What’s a Deductible?
- What’s a Co-Pay?
- What is an Out-of-Pocket Maximum?
- What’s a PPO?
- What’s an EOB?
- Student Health Insurance
How Can I Get the Most From My Health Care Plan?
Since I’m a compulsive bargain shopper, in order to feel really good about my health care plan choice, I wanted to make sure I was getting all the perks possible. Did you know that a lot of plans offer added value in the form of nurse lines, apps, and health club discounts? Yay!–subsisized “me” time! Here’s a video that I found useful for helping you find ways to save on health insurance.
Save on Health Insurance
Hopefully, you now feel better informed about health care reform and how to choose the best plan for your family. As I mentioned before, I chose the videos that were most helpful to me but these are just a few of the dozens available. If you are still a little confused or simply want more information, click here to find more videos.