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Health Insurance Information Needs: How Librarians Can Help
- 1. Health Insurance Information Needs: How Librarians Can Help Emily Vardell, PhD School of Library and Information Management Emporia State University @evardell
- 2. Literacy concerns • Health Insurance Literacy: • “a new concept that addresses the extent to which consumers can make informed purchase and use decisions” • “knowledge, ability, and confidence to effectively choose and use health insurance” Kim, J., Braun, B., & Williams, A. D. (2013). Understanding Health Insurance Literacy: A Literature Review. Family and Consumer Sciences Research Journal, 42(1), 3-13.
- 3. Literacy concerns • Health Insurance Literacy: how to find a physician fill a prescription use and pay for medications use a Health Savings Account (HSA) use preventive services (mammograms, annual physical)
- 4. Health Disparities Connection • 65 years or older • ethnic minorities • ESL individuals • a lower socio-economic level • lower health status • lower levels of education • younger Americans • the uninsured Kutner, M., Greenburg, E., Jin, Y., & Paulsen, C. (2006). The health literacy of America's adults: Results from the 2003 National Assessment of Adult Literacy (NCES 2006-483). Washington, DC: National Center for Education Statistics. McCormack, L., Bann, C., Uhrig, J., Berkman, N., & Rudd, R. (2009). Health insurance literacy of older adults. Journal of Consumer Affairs, 43(2), 223–248. Norton, M., Hamel, L. Brodie, M. (2014). Assessing Americans' familiarity with health insurance terms and concepts. Retrieved from Kaiser Family Foundation: http://kff.org/health- reform/poll-finding/assessing-americans-familiarity-with-health-insurance-terms-and-concepts/
- 5. Calls to Action • At the 2013 American Library Association Conference, Obama requested assistance from librarians in ACA implementation. • The Institute for Museum and Library Services: • “ethical mandate rather than a government regulation” to assist with providing a “face to government rules and resources”
- 7. Health Insurance Marketplace Enrollment (in millions) https://www.kff.org/health-reform/state-indicator/marketplace-enrollment/ 8.0 11.7 12.7 12.2 11.8 11.4 11.4 12014 2015 2016 2017 2018 2019 2020
- 8. Uninsured Population by State (2018) https://www.kff.org/other/state-indicator/total-population/
- 9. Outline • Results from interviews with librarians who undertook ACA outreach efforts • Concrete strategies for undertaking health insurance outreach efforts. • Favorite health insurance information resources
- 11. Why? Lack of Awareness • "I think a lot of people didn't even know it still existed and what the deadlines were, because the government wasn't really promoting anymore." (Participant 4) https://www.kff.org/health-reform/issue-brief/data-note-further- reductions-in-navigator-funding-for-federal-marketplace-states/
- 12. Why? Lack of understanding • “We do get a lot of phone calls … looking for information [such] as: • ‘when is the deadline’ • ‘did I miss something’ • ‘who can I talk to’ • ‘I saw a flyer in the library about you are having a nurse coming and talking about diabetes and healthcare’” (Participant 6)
- 13. Funds: Boosting social media • "We shouldn't be afraid to go ahead and boost posts even though it's cost money, because you know being a small rural library that's always a fear. It is successful. We did see a success with that portion." (Participant 2) • "Yes, probably some of our programming and something like that, as well as the census, the health insurance information stuff, other big issues that arise as needed.” (Participant 2)
- 14. Funds: Enrollment events • “We tried to pick times in the evenings and in the weekends, because those are the two times when we seem to get the most people. Saturdays sometimes you are doing something with your families, you'd rather do it in the early evenings, so we choose the time we are most busy and we looked at some of the times based on our surveys.” (Participant 1)
- 15. Funds: Printed materials • "They basically had a template. We put the links on our library. For the print media, we use their basic template and then we added a few things about programming that was coming up around that, but it was a great way to start and I don’t need to create anything." (Participant 4)
- 16. Surprise about library involvement • "I think a few of them were surprised that we were offering something like this, because usually you don't really see in the smaller libraries and the more rural libraries... I know some rural libraries they have the resources and they've got the connections and they always have this cool stuff happening, but in my experience, it is sort of a novelty to be able to bring in other organizations to help." (Participant 3)
- 17. Outline • Results from interviews with librarians who undertook ACA outreach efforts • Concrete strategies for undertaking health insurance outreach efforts. • Favorite health insurance information resources
- 19. Reach out to HR reps • “I met with as many of the HR reps from those companies as I could to try to explain to them how important this is and how it's important that their employees are given those options. It was very time-consuming. Mostly when I went to the companies and dropped off posters, I would ask if their HR person was available and then did a quick five-minute talk ... And [would] say, ‘Hey, this is a cool thing we're doing.’ That was interesting, but I think they were receptive and just kind of shocked that the library was coming and dropping off posters or anything." (Participant 3)
- 20. Natural partners? • Friends groups • Volunteers • Healthcare advocates • ACA Navigators
- 21. Reference approach • "Reference department staff, they were just guiding people like a tax filing. They don't do it for them, but they show them where to go, how to do it, where to do it." (Participant 6)
- 22. Using health insurance • "Knowing the information and understanding why are two different things. I think having a medical health insurance coverage is one thing versus where to go and get it right. So why they have to bother to get to it and why they should be proactive and use this." (Participant 6)
- 23. Outline • Results from interviews with librarians who undertook ACA outreach efforts • Concrete strategies for undertaking health insurance outreach efforts. • Favorite health insurance information resources
- 26. Promoting Healthy Communities: Libraries Connecting You to Coverage (PLA) • Checklist to apply for or re-enroll in health insurance – 8.5x11 (PDF) • Sign up for a 2020 health insurance plan brief poster – 8.5x11 (PDF) • 5 Steps to Get Started with Health Insurance brief poster – 8.5x11 (PDF) • Special Enrollment Period explained brief poster – 8.5x11 (PDF) • Medicaid and CHIP Enrollment brief poster – 8.5x11 (PDF)
- 27. • Time for a check up! • Es Hora Para Su Chequeo Anual • Special Enrollment Period: What That Means & Why It Matters • Factsheets: How Millennials use access and use health care • What Exactly is Preventative Care? https://younginvincibles.org/
- 28. • Project Outcome is a FREE toolkit designed to help public libraries understand and share the impact of essential library services and programs by providing simple surveys and an easy-to-use process for measuring and analyzing outcomes. http://projectoutcome.org
- 31. My Health, My Voice http://www.myhealthmyvoice.com/get-a-copy
- 32. My Health, My Voice • All available in English and Spanish: • A Woman’s Step-by-Step Guide to Using Health Insurance • 5 Steps to Using Your Health Insurance Wisely • The 4 Kinds of Costs You May Pay • What is a Well-Woman Visit? • My Health, My Voice: My Personal Health Journal http://www.myhealthmyvoice.com/get-a-copy
- 33. My Health, My Voice http://www.myhealthmyvoice.com/get-a-copy
- 34. From Coverage to Care (CMS) https://www.cms.gov/About-CMS/Agency-Information/OMH/equity-initiatives/from-coverage-to-care.html
- 35. Tip: You can print/order copies https://marketplace.cms.gov/outreac h-and-education/order-coverage-to- care-materials.htmlhttp://www.myhealthmyvoice.com/get-a-copy/
- 36. From Coverage to Care Videos https://www.youtube.com/playlist?list=PLaV7m2-zFKph5fHVZgUphIcBKbtS24tKW
- 37. Questions to ask your doctor (AHRQ) • The 10 questions you should know • Questions to ask before your appointment • Questions to ask during your appointment • Questions to ask after your appointment • Build your own list of questions http://www.ahrq.gov/patients-consumers/patient-involvement/ask-your-doctor/index.html
- 38. Preparing a family history http://www.myhealthmyvoice.com/get-a-copy
- 41. Favorite Resources • Connecting You to Coverage • Young Invincibles • Project Outcome • Just Plain Clear • My Health, My Voice • From Coverage to Care
- 42. Source
Editor's Notes
- When we think about individuals’ ability to interact effectively with the health insurance system, we talk about health insurance literacy. Draw your attention to the latter part of the definition which focuses on the USE of health insurance. NEXT SLIDE
- When we think about individuals’ ability to interact effectively with the health insurance system, we talk about health insurance literacy. Draw your attention to the latter part of the definition which focuses on the USE of health insurance. NEXT SLIDE
- We have millions of people with health insurance, potentially for the first time. They are likely to need assistance with the USE of their health insurance.
- My Health, My Voice is an excellent example of a resource developed specifically to help people use their health insurance. As their home page states, My Health, My Voice came out because of a need. Newly-insured women are having trouble using their health coverage. My Health, My Voice is a fairly recently released resource from November 2015. A Project of: Raising Women’s Voices for the Health Care We Need with Parsons The New School for Design and the Ms. Foundation for Women RAISING WOMEN’S VOICES for the HealthCare We Need is a national initiative working to make sure women’s voices are heard and our concerns are addressed as the Affordable Care Act (ACA) is implemented. Founded in 2007, Raising Women’s Voices (RWV) is a collaboration of the Black Women’s Health Imperative, the MergerWatch Project of Community Catalyst and the National Women’s Health Network.
- While it was developed specifically with women in mind, it works with a diverse audience and is available in Spanish and English, with several print-ready resources. You can see a full list of them in the right-hand column here. The Step-by-Step guide includes a lengthy section with clear, easy-to-read information on understanding costs when using health insurance. For example, it provides descriptions of premiums, deductibles, copay, and coinsurance.
- Why is it important to talk with people about USING their health insurance? As this graphic from My Health, My Voice explains, it is important to encourage individuals to use their health insurance to cover preventive health services to stay healthy. People who did not have health insurance previously may have relied on the emergency room to treat health concerns in the past and may not be as familiar with using a primary care provider to address chronic diseases and preventive care.
- In addition to the learn how to use your health insurance guide, From Coverage to Care uses a “roadmap” analogy to help individuals learn to use their health insurance and interact with the health care system. I’ll be highlighting a few more of these sections as we continue our discussions.
- You can order print copies of From Coverage to Care at no cost to you and can print out copies of My Health, My Voice in both color and black and white. COST
- For example, this video is recommending that individuals who are looking for a primary care provider should look for names of providers covered under their health insurance by looking online at the insurance company’s website, calling the insurance company, or looking at the handbook provided by the insurance company. They also recommend asking friends or looking online to see other people’s opinions about the primary care providers. Again this is an area where we wouldn’t offer advice on which doctor to go to but could point to resources with available information
- People may be using medications for the first time, and it would be wise to point them to authoritative resources for drug information.
- My goal is that individuals are empowered with access to quality health insurance information and have the skills to understand the information and make a health insurance choice that matches their health needs. This would save people money and, hopefully, increase their health statuses, reducing health disparities. I’d like to hear what your goals are as well. Please feel free to add them to the chat box. In conclusion, Providing health insurance information is not a solitary game.
- I have provided some resources to help guide you as well as examples of individuals who are partnering with other groups to provide quality health insurance information. I hope now that you have attended this webinar, you won’t feel alone in answering Affordable Care Act questions!