How To Choose A Health Insurance Plan

Short Wave

NPR

Nature, News, Astronomy, Science, Daily News, Life Sciences

4.7 • 6.5K Ratings

🗓️ 24 November 2021

⏱️ 19 minutes

🔗️ Recording | iTunes | RSS

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Summary

Health insurance can be tremendously confusing, with its complexity, jargon and acronyms. But putting in a bit of time to learn what these health insurance terms mean can empower you to better understand what signing on to a plan might mean for your budget and your health.

Whether you're picking a plan for the first time, thinking of changing a plan, or want to see your options, NPR health correspondent, Selena Simmons-Duffin offers tips for browsing and choosing a health insurance plan. This episode is brought to Short Wave in conjunction with our colleagues at Life Kit.

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Transcript

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0:00.0	You're listening to Shortwave.
0:03.6	From NPR.
0:04.6	Hey, Shortwavers, I'm here today with NPR Health Policy Correspondent Selena Simmons Duffin.
0:11.0	We're going to talk to you about strumoral health insurance.
0:15.3	Wait, don't go.
0:16.3	Don't know about this.
0:18.3	Stay with me.
0:20.6	When open enrollment for health insurance rolls around, you know, usually in the fall, HR
0:25.5	departments and local brokers try to make it fun with like balloons and kazoo's.
0:32.3	How the open enrollment everyone is so exciting.
0:35.4	But you and I both know that real talk, picking health insurance is important, but it's
0:41.2	work.
0:42.2	It takes research.
0:43.6	It's also not fun or sexy to be talking about insurance or healthcare.
0:48.4	There we go.
0:49.4	Right?
0:50.4	Yeah, exactly.
0:51.4	And there are a lot of confusing terms.
0:53.9	So once you hit your deductible amount, any subsequent service you receive after that,
0:59.2	you would only be responsible for a co-payment or co-insurance until you meet your maximum
1:04.4	amount.
1:05.4	I need a dictionary for a lot of that.
	...

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