Health Insurance
Health Insurance: Protecting Your Health and Your Wallet
Good health is priceless—but medical care can be costly. A single doctor’s visit, prescription, or emergency room trip can quickly add up to hundreds or even thousands of dollars. That’s why health insurance is so important: it helps cover medical expenses, protects against overwhelming bills, and ensures access to the care you need.
Many young adults think, “I’m healthy, I don’t need insurance.” But accidents and illnesses can happen unexpectedly, and without insurance, the financial burden can be devastating. Having coverage provides peace of mind and ensures that you can get care when you need it most.
This course breaks down the essentials of health insurance and teaches participants how to choose and use a plan with confidence.
Participants will learn how to:
Understand what health insurance is – How it works to share costs between you and the insurance provider.
Learn key terms – Premiums, deductibles, co-pays, co-insurance, networks, and out-of-pocket maximums.
Explore different types of plans – HMO, PPO, EPO, and high-deductible health plans, and what makes them different.
Know where coverage comes from – Employer-sponsored plans, government programs, and the Health Insurance Marketplace.
Use health insurance effectively – Choosing in-network doctors, scheduling preventive care, and understanding referrals.
Plan for emergencies vs. routine care – How insurance helps cover both expected and unexpected medical needs.
Avoid common mistakes – Ignoring plan details, missing enrollment deadlines, or skipping insurance altogether.
By the end of the course, participants will understand that health insurance isn’t just another bill—it’s a financial safety net and a safeguard for their future health. They’ll leave with the knowledge to compare plans, ask the right questions, and confidently select coverage that fits their lifestyle and budget.
