Article
Health Insurance University
Congratulations. You have been accepted to the 2016 Class of Health Insurance University. You have been accepted to a very exclusive group of providers and patients who have no clue about health insurance, how much it costs, how to use it, and what your copay and deductibles will be when you access care.
Congratulations. You have been accepted to the 2016 Class of Health Insurance University. You have been accepted to a very exclusive group of providers and patients who have no clue about health insurance, how much it costs, how to use it, and what your copay and deductibles will be when you access care.
As you probably already know, having insurance coverage means nothing if you can't find a doctor who accepts it and if you both have low insurance literacy.
Our learning objectives and curriculum are the result of years of user research on what you need to know to navigate a challenging Sick Care insurance system.
Following completion of your courses, you should be able to:
1. Know the difference between a provider, a doctor, and a physician.
2. Understand who can legally charge for which services.
3. Memorize at least 25 ICD-10 codes that apply to your conditions.
4. Know the difference between a Level 2 and Level 4 CPT Evaluation and Management code and whether it was justified.
5. Know how to spot the mistakes on your insurance coverage and provider bills.
6. Know when you have been the victim of identity theft because someone hacked into your insurer's database.
7. Know how to break through the gatekeepers when you want to contest a charge.
8. Excel at negotiation and persuasion when talking to the medical director who has refused payment for your services.
9. Know when you are in out-of-network purgatory.
10. Learn 10 ways to avoid getting into phone tree hell and having to punch in your Social Security Number three times, only to have a person ask, "To better serve you , may I please have your Social Security Number?"
If you successfully pass all the courses with a 3.0 GPA, will we enroll in you in a free additional course, "How to spend less than 30 minutes on an insurance company website trying to find your username and password."
We look forward to working with you and contributing to your progress.
Unfortunately, we are unable to accept your initial tuition payment because it is not a covered option. Please make arrangements for alternative payments by Dec 31, e.g. high-interest government-secured student loans, or will have to drop you from the class.
