This document provides an overview of a lecture series on obtaining adequate and affordable health care. The series aims to help entertainers and other independent contractors better understand the health care system and identify suitable coverage options. It defines important health insurance terms and concepts. Sample pricing charts and coverage summaries are included to illustrate how plans can be tailored to individual needs. Potential changes to health plans in 2014 and ways to supplement existing coverage are also discussed.

1. INDIE-LIFE SEMINAR SERIES:
INDIECARE w/Candice
Jordan
A lecture series intended to provide a better understanding of our
nation’s health care system while helping Promo Staff, Entertainers,
& Indie Professionals identify adequate, affordable health care.
Fall 2012

2. Table of Contents
 3. Introductions. Disclaimer 9. 2014 Health Insurance Changes
 - Pros & Cons
 4. Introduction: You Can Afford It
10. Red Flags
 5. Important Terms - Scams
 - Health Care Providers -…
 - Premium 11. Ways to Supplement
 - Co-Pay -…
 - Deductive
 - Benefits Summary 12. *WHAT ELSE???

 6. Make It Work For You
 7. Sample Price Chart
 8. Sample Coverage Chart

3. Introductions
Who we are.
RASHEED “RAFIK”
RASHEED “RAFIK”
CaNDICE “pearl” JORDAN ABDELLAH
ABDELLAH
Human Resources Manager
Human Resources Manager Owner/Captain/Senior Acct Mngr
Owner/Captain/Senior Acct Mngr
13 yrs live show production &
13 yrs live show production &
15+ years experience with human
15+ years experience with human Promotion
Promotion
resources, benefits & payroll
resources, benefits & payroll 8 yrs Market & Tour Mngr
8 yrs Market & Tour Mngr
administration
administration 4 yrs Owner of PromoHazard
4 yrs Owner of PromoHazard
Marketing & Staffing
Marketing & Staffing
*DISCLAIMER: We are not licensed insurance agents. We do not work for the health care industry in
any capacity, nor are we advocating any particular Health Care Provider. The information relayed here is
meant to be a public service offering advice on how to understand the health care industry, and the tools
needed to make informed decisions.

4. Knowing Is Half The Battle
*I felt like this should be some kind of introduction ultimately making the point that
ADEQUATE, AFFORDABLE HEALTH CARE IS AVAILABLE. I can help write it if you
want – you just need to tell me what to say.
(okay....working on this)

5. Important Terms
(HEALTH CARE) PROVIDERS - this is the professional you see for any of
your medical, dental and/or vision needs (i.e. Primary Physician, Dentist,
Optometrist).
PREMIUM - the amount of money you pay for your medical and/or dental
insurance only.
CO-PAY - the amount you are expected to pay when visiting your provider
for services.
DEDUCTIBLE - this is an amount you are expected to pay out of pocket
before some of your insurance coverages kick in. this is in addition to the
premium you pay for the coverage.
BENEFITS SUMMARY - this is a report specific to you only which outlines
your specific coverages. this is very important because every plan is
different.

6. How To Make It Work For
You
*Elaborate on the relationship between Key Terms
(the prior slide makes this pretty clear. think we can delete this page)
(HEALTH CARE) PROVIDERS
PREMIUM
CO-PAY
COVERAGE/BENEFITS
…

7. Sample Price Chart

8. Sample Coverage Chart

9. 2014 Health Insurance
Changes
PROS OF NEW Cons OF NEW
Cons OF NEW
COVERAGE COVERAGE
COVERAGE

10. Red Flags
1) the advertisement uses the words discount vs. actual coverage. often
times you will see companies advertising your receiving doctor visits at a
reduced rate or prescriptions & vision exams at a discount. this is exactly
what you are paying for....an opportunity to save maybe 10-25% of what you
are expected to pay at the time of your visit. this is not insurance coverage
but a discount program.
2) if the quote for insurance is unbelievably lower than a comparable plan,
it is probably too good to be true. make sure to read the fine print before
signing anything.
3) the literature says you will be paying membership fees and/or dues and
not an actual premium.

11. Supplement Your Coverage
Remember, every plan is different. You have the option of defining the plan
more suitable to you. What you need or don’t need will determine how
much you pay. Knowing this & understanding the plan specifics will help
you supplement your coverage which in turns supplements your cost.
Here are a few items you definitely want to consider....
1) Are you a single male? If so, no need to purchase maternity coverage.
2) Are you a female considering have children in the very near future? If so,
you want to make sure you have maternity coverage.
3) Do you have any health issues that requires you to take meds on a regular
basis? If so, you want to make sure you have a prescription plan.
4) Do you wear eyeglasses or contact lenses? If so, you may want to consider
having vision coverage in your plan.

12. What Else???
 *What else do we need, Candi-Cane??
 (working on this too)