Health Insurance Literacy

CHAMPS has compiled these resources to support Region VIII State Primary Care Associations (SPCAs) and Health Centers in helping ensure that people who obtain health insurance know how to understand, utilize, and make the most of their health insurance.

Please click or scroll down for:
Health Literacy and Preventive Care
Private Health Insurance Resources
Medicaid/CHIP Resources

CHAMPS has created a short guide that includes information on how to use health insurance, common health insurance terms, and information on deciding where to go in case of injury or illness – feel free to customize this packet to your needs and share with clients. Health Insurance Literacy Packet

Northwest Regional Primary Care Association (NWRPCA) has created state-specific brochures with health insurance plan contact information, common health insurance terms, and how to make the most of health insurance.
Colorado
Montana
North Dakota
South Dakota
Utah
Wyoming

Click HERE for CHAMPS’ list of CHC Terms and Acronyms, many of which are health insurance-related.

Click HERE to access the CHAMPS Patient Education Tools webpage.

HEALTH LITERACY AND PREVENTIVE CARE

Agency for Healthcare Research and Quality (AHRQ)
Brochures that inform consumers about preventative consumers, organizations can order 200 free print copies
Men: Stay Healthy Women: Stay Healthy

Alliance for Health Reform
Toolkit addressing the extent and significance of health insurance literacy for Marketplace customers
Health Literacy and Health Insurance Literacy: Do Consumers Know What They Are Buying?

America’s Health Insurance Plans (AHIP)
Links to resources that include toolkits and publications on health literacy
Health Literacy

Blue Cross Blue Shield
Document that shows where a patient should go for various health issues
Deciding Where to Go 

Colorado.gov/Health
Website with preventative care resources and health care providers licensing information
Health and Wellness Resources

Center for Health Care Strategies, Inc. (CHCS)
Document that contains six fact sheets on health literacy
Health Literacy Fact Sheets

Community Catalyst
Overview of research on health messaging and summary of best practices
Talking about Health Insurance: An Overview of Messaging Research on Consumers and Enrolling in Health Insurance Coverage

Consumer Financial Protection Bureau (CFPB)
Toolkits for Social Services, Community Volunteers, Legal Aid, and Workers to discuss basic financial literacy and financial planning with clients.
Your Money, Your Goals

Consumer Reports
Card on approaching your doctor if you think he/she may be prescribing unnecessary tests or medication
When to Say ‘Whoa’ to Your Doctor

Enroll America
Document that shares best practices for writing and designing health-related materials that are easy to read
An Introduction to Health Literacy and Enrollment

Families USA
Issue brief describing the components of health insurance provider networks to make them more accessible to communities of color
Network Adequacy and Health Equity: Improving Private Health Insurance Provider Networks for Communities of Color

Healthcare.gov
Webpage with information on using health insurance, including making sure consumers are covered, getting prescription medications, and getting preventative and emergency care
Using Your New Insurance Coverage

Information on preventive services offered through most health plans
What are My Preventive Care Benefits?

Webpage that lists the essential health benefits all plans must cover
What Does Marketplace Health Insurance Cover?

Information on finding and comparing providers and hospitals in a network
Where Can I Find Provider Information?

Institute for Healthcare Advancement
Website with information about the annual health literacy conference
IHA Conference

Montana Department of Public Health and Human Services
Website with resources on healthy living
Healthy Living

National Network of Libraries of Medicine (NN/LM)
Website with information on health literacy
Health Literacy

Utah Department of Health
Website with resources on preventative care
Bureau of Health Promotion

Own Your Health
Campaign to empower consumers to become active participants in their own health and health care
Own Your Health

The Commonwealth Fund
Health Literacy Practices in Primary Care Settings: Examples From the Field

The Wall Street Journal
Article outlining major issues in insurance literacy, compiling statistics from several different studies
A Perilous Gap in Health Insurance Literacy

PRIVATE HEALTH INSURANCE RESOURCES

Action for Health Justice
Glossary of health insurance enrollment terms translated into a variety of different languages used in the Asian and Pacific Islander communities
Health Insurance Enrollment Glossary

Adelante con la Salud
Infographic on how health insurance works
How Health Insurance Works

American Institutes for Research (AIR)
Issue brief that describes problems consumers face in selecting and using health insurance
Developing a Measure of Health Insurance Literacy: Understanding Consumer’s Ability to Choose and Use Insurance

American Medical Association (AMA)
Flyer that helps consumers understand health insurance policies and the payment process
Understanding Your Health Insurance Policy and Payment Practices

Blue Cross Blue Shield
Document that shows where a patient should go for various health issues
Deciding Where to Go

Guidelines on how to utilize benefits and make the most of health insurance
Understanding Health Insurance Coverage to Maximize Your Care

The Brookings Institution
A brief video explaining the history of private health insurance, in partnership with Khan Academy
The History of Private Health Insurance

Connect for Health Colorado
Information on options for continuing insurance coverage after job loss, including COBRA, Colorado Continuation Coverage, and the Marketplace
Continuation of Health Coverage: Know Your Options

Consumers Union
Report that summarizes the challenges that consumers have with understanding health insurance and discusses the need for a measurement of literacy
Measuring Health Insurance Literacy: A Call to Action
 

Enroll America
A report from Enroll America detailing the connection between health insurance literacy and coverage retention (May 2015)
A Framework on Health Insurance Literacy for the Outreach and Enrollment Community

Guide that breaks down everything that consumers need to know about health insurance in clear, easy-to-understand language
Get Covered Guide

Get Covered Guide in Spanish
Guía Para Utilizar Tu Seguro Médico

Guide on how to help consumers keep their health insurance
Helping Consumers Keep Affordable Health Coverage

Families USA
Consumer-friendly information on insurance terminology
Health Insurance Basics: Key Words and Phrases You Need to Know Spanish Version

U.S. Department of Health and Human Services (HHS)
Information on and link to health insurance literacy webinar
Health Insurance Literacy Webinar

Healthcare.gov
Blog post on transitioning from Marketplace insurance onto Medicare for consumers turning 65
Turning 65 soon? How to transition from the Marketplace to Medicare coverage

Guide on why and how to report life changes to the marketplace
How do I Report Life Changes to the Marketplace? 

Website with instructions on how to use new marketplace coverage
How to Use Your New Marketplace Coverage

Webpage with information on using health insurance, including making sure consumers are covered, getting prescription medications, and getting preventative and emergency care
Using Your New Insurance Coverage

Information on how different health insurance plans are structured
What Are the Different Types of Health Insurance?

Webpage that lists the essential health benefits all plans must cover
What Does Marketplace Health Insurance Cover?

Information on how to change health insurance plans
What if I Want to Change Plans after I Enroll?

Information on finding and comparing providers and hospitals in a network
Where Can I Find Provider Information?

Health Resources and Services Administration (HRSA) Resources and processes to help health centers assist individuals attempting to utilize their new coverage
How Health Centers Can Help Newly Insured Individuals Address Potential Issues

U.S. Department of Labor
List of medical and insurance terms
Glossary of Health Coverage and Medical Terms

Manatt Health Solutions
A report from Manatt Health Solutions and the National Partnership for Women & Families assessing how effectively the Marketplace is providing consumers with reliable information about health plan options, as well as detailing the different ways that both the federally-faciliated Marketplace and state-based Marketplaces offer ways for consumers to choose a plan that meets their health and financial needs
Supporting Informed Decision-Making in the Health Insurance Marketplace: A Progress Report

National Disability Navigator Resource Collaborative
Information on how to get the most out of the health insurance company’s customer service
Using Health Plan Customer Service to Learn Scope of Coverage

UnitedHealthcare
Glossary of health insurance terms
Glossary

Urban Institute Health Policy Center
Survey results found differences in health insurance literacy among different racial and ethnic groups
Large Racial and Ethnic Differences in Health Insurance Literacy Signal Need for Targeted Education and Outreach

MEDICAID/CHIP RESOURCES

AIDS.gov
Information on using Medicaid/CHIP
How to Use Your New Medicaid or CHIP Coverage

Center on Budget and Policy Priorities
Report on what information about eligibility and benefits for programs including Medicaid and CHIP is available online in each state
Online Services for Key Low-Income Benefit Programs

Centers for Medicare and Medicaid Services (CMS)
Collection of printable consumer resources designed to help beneficiaries understand the preventive services available to them under Medicaid and CHIP
Living Well – Promoting Preventive Services

In the Loop
Information about using new Medicaid or CHIP coverage
What if I have New Medicaid or CHIP Coverage?

Medicaid.gov
Information on dental benefits for children enrolled in Medicaid and CHIP
Dental Care

List of Medicaid benefits that all states are required to provide
Medicaid Benefits

National Association of Community Health Centers
Fact sheet on how the utilization of Medicaid in Health Centers is helping reduce health center costs

Summary of Health Centers’ Impact on Medicaid

State Medicaid Websites
Sites that contain answers to questions about how to use Medicaid

Colorado Department of Health Care Policy and Financing
Medicaid Frequently Asked Questions

North Dakota Department of Human Services
Medicaid Frequently Asked Questions

Utah Department of Health
Medicaid Member Guide

Wyoming Medicaid
Medicaid Frequently Asked Questions