1. Introduction to Health Science
Investigate the Various Aspects of
Health Insurance

2. Why is Health Care so Expensive?

3. Look at all they charge
for…..
Who pays for it all?

4. WOW!

6. Health Insurance
• Health care costs, including
dental, are so high that most
people have some type of
insurance plan.
• Insurance companies
require a fee in return for
coverage for specific
medical and dental care.

7. Premium
• Periodic payment for
healthcare or prescription
drug coverage.

8. Co-payment
• Amount the subscriber pays
for medical service.
• Paid to the provider on the
day of medical care.

9. Deductible
• Amount the subscriber must
pay before insurance will
pay.

10. Health Maintenance
Organizations
• Require members to pay a
co-payment for medical
services.
• Must get medical care from
providers that agree to the
fee the HMO is willing to
pay.

11. Preferred Provider
Organization
• Physician groups and
hospitals working together
to give health care at a
reduced cost to companies.
• Employees of these
companies contract with
PPOs and agree to see their
providers.

12. Medicaid
• Health insurance funded by
the state and federal
government.
• Blind, disabled, and low
income generally able to
qualify.

13. Medicare
• Health insurance provided
by the government to
people over the age of 65.

14. TRICARE
• Health care program for
active duty service
members, retirees, and their
families.

15. Workers’ Compensation
• Employees that get injured
or die at work are covered
by state workers’
compensation laws.
• Includes illness resulting
from the workplace.

16. Learn about YOUR
Insurance
• Talk to your parents and fill
out the worksheet and learn
about the type of health
insurance you have.