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Transcript: Health Care Basics: Understanding the Lingo

An illustrated blue laptop slides in on a lighter blue background. The laptop opens and option boxes slide across the laptop screen, extending outward. A dictionary opens underneath the laptop. The laptop then moves up and off screen. The dictionary moves up. White text flies into view. The last word lifts upward.

ON SCREEN TEXT:          DICTIONARY

                                    KNOW

                                    THE

                                    LINGO

NARRATOR: Choosing an insurance plan can be overwhelming if you don't understand the lingo. Here is a quick guide to help you decode the terms.

The blue background breaks away to reveal blue text and a blue medical icon with a white price tag. The price tag turns over, revealing blue text. Blue and grey text slides in underneath the tag.

ON SCREEN TEXT:          PREMIUM

                                    THE

                                    AMOUNT

                                    YOU MUST PAY

                                    FOR HEALTH

                                    INSURANCE

NARRATOR: Premium. This is the amount you must pay for your health insurance plan every month, quarter or year.

Blue solids slide across to reveal an illustrated device with three arrows that light up in order on a blue-tinted background. Blue text rests on top of the device. Blue text then slides in adjacent to the device. A blue money bill labeled 200 slides into the device and disappears.

ON SCREEN TEXT:          PREMIUM
FOR

                                    EXAMPLE

                                    MEDICAL PLAN

                                    MONTHLY FEE

                                    = $200

NARRATOR: For example, if you are enrolled in a medical plan, your monthly fee could be $200. This allows you to use the covered healthcare services.

Dark blue text slides in. Blue bills pile up below text. A light blue ruler stands next to the bills. Text then slides in underneath the bill pile. Another bill pile appears on top with more text.

ON SCREEN TEXT:          DEDUCTIBLE

                                    AMOUNT YOU OWE UP FRONT

                                    WITHIN YEAR

                                    HEALTH INSURANCE

                                    BEGINS TO PAY

                                    FOR EXAMPLE

NARRATOR: Deductible. This is the amount you may owe upfront for services within a year before your health insurance begins to pay.

The ruler turns over, standing next to a large stack of bills with dotted line pointing to text. The mark and text disappears as text underneath slides in. Dotted marks circle the bill pile. Bills then stack to create another pile.

ON SCREEN TEXT:          DEDUCTIBLE 
FOR

                                    EXAMPLE

                                    DEDUCTIBLE = $1,000

                                    INSURANCE PAYS $0

                                    UNTIL YOU PAY $1,000

NARRATOR: For example, if a plan's deductible is $1,000, in most cases the plan won't pay anything until you've paid $1,000 for covered healthcare services. Once you've spent this amount, your plan will start paying for these services.

An illustrated white envelope and a three-fold creased bill pop in underneath blue text. The bill then slides off screen as text slides up. Two thirds of the envelope turns dark blue. A dotted line travels through the divided envelope.

ON SCREEN TEXT:          COINSURANCE

                                    BILL

                                    %

                                    OF

                                    THE

                                    BILL

                                    YOU

                                    PAY

                                    FOR

                                    HEALTH

SERVICE

                                    THE REST IS PAID BY

                                    HEALTH INSURANCE

                                    (AFTER YOUR DEDUCTIBLE)

                                    

NARRATOR: Coinsurance. This is the percentage of the bill that you have to pay for a covered healthcare service, with the rest paid by your health insurance plan after your deductible is met.

A blue illustrated calculator slides in under blue text. Blue text then slides in above the calculator. The calculator lights up and jiggles as if being pushed, showing numbers and symbols on the calculator screen, ending with text.

ON SCREEN TEXT:          COINSURANCE

FOR

                                    EXAMPLE

                                    YOUR HEALTH

                                    PLAN COVERS

                                    $100

                                    YOUR 20%

                                    COINSURANCE

                                    PAYMENT

                                    =$20 YOUR

HEALTH PLAN

                                    PAYS

                                    THE REST

NARRATOR: For example, if the amount your health plan covers for an office visit is $100 and you've met your deductible, your 20% coinsurance payment would be $20. The health plan then pays the rest of the allowed amount.

A white card reader device slides in underneath white text on a blue background. A white credit card slides in and out of the reader as text slides in and out.

ON SCREEN TEXT:          COPAY

                                    FIXED AMOUNT

                                    YOU PAY

                                    FOR COVERED

                                    HEALTH SERVICES

                                    THE AMOUNT MAY VARY

NARRATOR: Copay. The fixed amount you pay for a covered healthcare service. The amount may vary depending on the type of covered healthcare service.

An illustrated stethoscope, a thermometer reading 100.1, and a band-aid slide in on a blue background next to white text, moving and interacting depending on text movement.

ON SCREEN TEXT:          COPAY

FOR

                                    EXAMPLE

                                    COPAYMENT IS $25

                                    FOR EACH DOCTOR VISIT

NARRATOR: For example, if your health insurance copayment is a fixed rate of $25 for a doctor visit, you'll pay that amount each time you see the doctor.

A blue wallet slides in underneath a white calendar notebook and blue text, each moving around according to incoming text.

ON SCREEN TEXT:          OUT-OF-POCKET

                                    LIMIT

                                    THE MOST MONEY

                                    YOU PAY

                                    FOR COVERED EXPENSES

                                    IN A PLAN YEAR

NARRATOR: Out-of-pocket limit. This is the most money you have to pay for covered expenses in a plan year.

A large pencil slides into view. The pencil writes money amounts next to grey text and circles the last amount.

ON SCREEN TEXT:          OUT-OF-POCKET 

LIMIT

FOR

                                    EXAMPLE

                                    SURGERY COST $10,000

                                    OUT-OF-POCKET

                                    LIMIT $6,000

                                    INSURANCE PAYS $4,000

NARRATOR: For example, if you need a surgery that would cost you $10,000, but your out-of-pocket limit is $6,000, your insurance company pays all covered costs after you've paid that $6,000 threshold.

The laptop slides back into view, with option boxes sliding across. The options disappear and text appears on laptop screen.

ON SCREEN TEXT:          PLAN SELECTED!

NARRATOR: Remember these terms and it may help you when it's time to shop.

Blue solids slide across to reveal the UnitedHealthcare logo and text on a white background.

ON SCREEN TEXT:          UnitedHealthcare®