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The COVID-19 Coronavirus health crisis is presenting unprecedented challenges that are being felt worldwide and deep in the heart of our communities. At Combined Insurance, we have taken steps to protect our employees and their families while working to maintain solid levels of support and service for our customers
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Alli Walsh, Social Media Strategist
Your employees are healthcare consumers making their way through the post-healthcare reform marketplace. With each symptom, office visit and claim they’re learning how to manage their health, provider relationships, medical costs and insurance coverage. It’s a lot of work that takes time, energy and the development of new skill sets—including health and health insurance literacy. And educational support from employers can help.
The literacy connection
The US Department of Health and Human Services defines health literacy as the degree to which individuals have the capacity to obtain, process and understand basic health information and services needed to make appropriate health decisions.1
More specific to health insurance is health insurance literacy. The Health Insurance Literacy Expert Roundtable defines this as the degree to which individuals have the knowledge, ability, and confidence to find and evaluate information about health plans, select the best plan for their own (or their family’s) financial and health circumstances, and use the plan once enrolled.2
Health and health insurance literacy, taken together, is a critical workplace benefits skill because it impacts an employee’s ability to assess their healthcare coverage needs, make appropriate plan selections and protect their family’s finances from devastation should the “unthinkable” happen. And, of course, literacy impacts an employee’s health status—an important marker of employee wellness, satisfaction and productivity.
The state of Americans’ health literacy
How well do people understand basic insurance terms and concepts? Results from a nationally representative Kaiser Family Foundation survey reveal significant room for health literacy improvement among American adults. Consider these finding highlights.3
Those that didn’t get the answers correct either got the wrong answer or they didn’t know. But this signals an opportunity for employers to help their workforce arrive at a better understanding of how insurance works—so they can make the most of their benefits while taking care of their family’s health and finances.
How employers can help raise health insurance literacy
Taking a cue from the National Action Plan to Improve Health Literacy, employers can play their part in helping individuals and families gain access to health information that helps them make informed decisions.4 Here are 5 tips—adapted from U.S. Department of Health and Human Services recommendations—to ensure your employee benefit communications promote health insurance literacy.5
Don’t assume that your employees have a high level of health insurance literacy. Why not survey your employees or hold some health insurance literacy focus groups while you’re assessing plans for the next benefits year? It helps to evaluate their understanding of health insurance terms and concepts before, during, and after the introduction of benefits information and services. This will make it easier for you to develop education and training materials for open enrollment and benefits support.
Make sure all of the information you’re sharing is appropriate, clear and actionable for your employees. That means:
Best practices include:
Want more ideas? Don’t miss Effective Communication for Employee Benefit Packages.
References: 1 (n.d.). Retrieved March 05, 2018, from health.gov/communication/literacy/quickguide/factsbasic.htm#one. 2 consumersunion.org/pub/Health_Insurance_Literacy_Roundtable_rpt.pdf. 3 Mira Norton, Liz Hamel Follow @lizhamel on Twitter , and Mollyann Brodie Follow @Mollybrodie on Twitter Published: Nov 11, 2014, & 2014, N. (2014, November 12). Assessing Americans Familiarity With Health Insurance Terms and Concepts. Retrieved March 05, 2018, from kff.org/health-reform/poll-finding/assessing-americans-familiarity-with-health-insurance-terms-and-concepts/. 4 (n.d.). Retrieved March 05, 2018, from health.gov/communication/initiatives/health-literacy-action-plan.asp. 5 (n.d.). Retrieved March 05, 2018, from health.gov/communication/literacy/quickguide/healthinfo.htm.
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Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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