HEALTH LITERACY HEALTH INSURANCE LITERACY Best communication practices for inperson assisters in OE3 Don Rubin Verbal Remedies Your naicisyhp has dednemmocer that you have a ID: 796410
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Slide1
Verbal Remedies
LITERACY
HEALTH LITERACYHEALTH INSURANCE LITERACY
Best communication practices for in-person assisters in OE3
Don Rubin
Slide2Verbal Remedies
Your
naicisyhp
has
dednemmocer
that
you have a
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. Ypocsonolocis a test for noloc recnac. It sevlovnignitresni a elbixelf gniweiv epocsinto your mutcer. You must drink alaiceps diuqil the thgin erofeb thenoitanimaxe to naelc out your noloc.
Can you read this?
Slide3Platinum Plan
Gold Plan
Silver Plan
Bronze Plan
Catastrophic Plan
Benchmark Plan
Qualified health plan
In-network provider
Advance premium tax creditMaximum out of pocket expenseLife qualifying eventHouseholdPPOPOSHMO
Co-pay
Co-insurance
Deductible
Can you read this?
Slide4Verbal Remedies
Comprehension of Medicare
Patients with Low Literacy
Percent
Correct
Identify
next appointment
73%Take medicine every 6 hours 52%Take medicine on empty stomach 46%Interpret blood sugar value 32%Upper GI instructions (4th grade) 24%Medicaid Rights (10th grade) 0% GGaGazmararian et al., 1999
Slide5Verbal Remedies
43%
of
uninsured
didn’t know about government subsidies for insurance
Slide6Verbal Remedies
Slide7Verbal Remedies
1 of 6 adult Georgians reads at K-6 level
16% of adult Georgians lack a HS
diploma
1 of 7 unemployed Georgians has
not
finished high school
75% of incarcerated persons lack a HS diploma.1 in 10 Georgians is an immigrant and does not speak English as their native language.Adult Literacy in Georgia
Slide8Verbal Remedies
Integrate Health Literacy into Adult Basic Education and ESoL
Slide9What is Health Literacy?
The Patient Protection and Affordable Care Act of 2010, Title V, defines health literacy as…
… the degree to which an individual has the capacity to obtain, communicate, process, and understand basic health information and services to make appropriate health decisions.
Verbal Remedies
Slide10Why is Health Literacy Important?
Persons with limited health literacy:
Experience more preventable hospital admissions.Too often end up in the ER for conditions that could be treated at home or in the doctor’s officeAre less likely to adhere to treatment.Commit more medication errors
Do a poor job of self-management of chronic conditionsLess likely to obtain health insurance
Slide11Health Literacy can mitigate health disparities
Race predicts variance in HIV medication nonadherence (AOR=2.4)When a measure of health literacy is added to the set of predictors, race becomes non-signficant
[Osborne, Paashe-Orlow & Davis, 2007]Similar result among elderly for self-rated health (Bennett et al, 2009)
Slide12What is Health Insurance Literacy?
Ability to find and evaluate information about health plansAbility to select the best plan for their (family) financial and health situation
Knowledge about using insurance once enrolled to obtain needed preventive and therapeutic care.
Verbal Remedies
Slide13Why is Health Insurance Literacy Important?
Consumers stay in the same plan year after year, ignore better choices (Gruber)
.88% cannot calculate health insurance costs using a table based on income and family size (Kutner et al.).Consumers struggle with cost-sharing terms, e.g., coinsurance, allowed amount, annual benefit (Quincy).
Poor health insurance literacy leads to…
Reluctance to enrollSelecting plan that does not meet needs or is unaffordableFailing to utilize benefits
Verbal Remedies
Slide14Verbal Remedies
Can we make it
any easier?
Slide15What’s in the Health Insurance Literacy Toolkit?
Packaging & staging information for usabilitySOCO
Single Over-riding Communication ObjectiveEngaging Consumers/Dialogueinviting Consumer questionsPlain languageAnalogies & MetaphorsExamplesStoriesVisuals
Slide16Slide17Verbal Remedies
Draw this!
You got insurance from the Marketplace. So you must send in a tax return next year. You have to attach a special form called 1095A with your taxes. The 1095A form tells about your insurance cost. The Marketplace will give you the information you need for your 1095A. The information from the Marketplace will come on another form called 8962
Slide18Verbal Remedies
Plain language & redesign exercise -- Can you make this notice more health literate?
Slide19Enrollment is not
the finish line: Help clients access healthcare services
Budget for monthly premiumsChoose a primary care providerSet aside money for out-of-pocket costsSchedule preventive services Getting past the front deskLearn
how to see a doctor
Shop again to e-enroll
Slide20Verbal Remedies
Don Rubin
verbalremedies@outlook.comdrubin@uga.edu
404.660.0911