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Welcome to the Webinar
	
  Health	
  Communica/on	
  Ma1ers!	
  	
  
Applying	
  Health	
  Literacy	
  to	
  Health	
  Insurance:	
  
How	
  We	
  Can	
  Help	
  Consumers	
  
We	
  will	
  begin	
  shortly…	
  
Today you’ll be hearing
from. . .
Nancy Murphy, MSHC
Metropolitan Group
Moderator
Kathy Paez, RN, Ph.D.
American Institutes for Research
Principal Researcher
Jennifer Messenger
Heilbronner,
Metropolitan Group
Exec. Vice President
Agenda
	
  	
  
1.  Review	
  of	
  session	
  objec0ves	
  
2.  Introduc0on	
  of	
  today’s	
  speakers	
  
3.  What	
  do	
  consumers	
  know	
  –	
  and	
  what	
  do	
  they	
  think	
  they	
  
know	
  –	
  about	
  health	
  insurance?	
  
4.  Q	
  &	
  A	
  
5.  Cover	
  Oregon:	
  Real-­‐0me	
  case	
  study	
  on	
  consumer	
  outreach	
  
6.  Q	
  &	
  A	
  
7.  Specific	
  ac0ons	
  and	
  resources	
  	
  
8.  Next	
  steps	
  &	
  conclusion	
  
Objectives
•  Describe	
  what	
  consumers	
  do	
  and	
  don't	
  understand	
  as	
  they	
  
are	
  shopping	
  for	
  and	
  using	
  private	
  health	
  insurance	
  
	
  
•  Describe	
  what	
  consumers	
  should	
  understand	
  to	
  be	
  health	
  
insurance	
  literate	
  
	
  
•  Understand	
  how	
  audience	
  segmenta0on	
  informs	
  outreach	
  
and	
  enrollment	
  strategies	
  
	
  
•  Describe	
  the	
  marke0ng	
  mix	
  used	
  to	
  build	
  awareness,	
  educate	
  
and	
  drive	
  enrollment 	
   	
  	
  
Who is speaking today:
Kathy Paez
Kathy Paez, RN, Ph.D.
Principal Researcher
American Institutes for Research
Email: kpaez@air.org
Website: http://www.air.org
Who is speaking today:
Jennifer Messenger Heilbronner
Jennifer Messenger Heilbronner
Executive Vice President,
Public Health Practice Lead,
Metropolitan Group
Email: jmessenger@metgroup.com
Website: http://www.metgroup.com
Who is moderating our
discussion today:
Nancy Murphy
Nancy Murphy, MSHC
Executive Vice President
Metropolitan Group
Email: nmurphy@metgroup.com
Website: http://www.metgroup.com
Introducing Kathy Paez
Kathy Paez, RN, Ph.D.
Principal Researcher
American Institutes for Research
CALPACT Webinar:
Applying Health Literacy to
Health Insurance
September 2013
Copyright © 20XX American Institutes for Research. All rights reserved.
How we can help consumers
September 25, 2013
“The capacity to find and evaluate information about health
plans, select the best plan given financial health
circumstances, and use the plan once enrolled.”
Health Insurance Literacy Expert Roundtable, 2011.
What is Health Insurance Literacy?
10
“I don’t know what’s
covered, the information
saying what is covered is
like a bible, I neglect to read
it and try to avoid the
doctor.”
-Man in his 30’s
Why measure Health Insurance
Literacy?
11
•  Tailor outreach communications
•  Compare effectiveness of outreach approaches
•  Assess effectiveness of training consumer assistants
•  Evaluate changes over time in consumers’ ability to select,
use health insurance
Why measure Health Insurance
Literacy?
12
13
Domains of Health Insurance Literacy
Knowledge
Information
Seeking
Document
Literacy
Cognitive Skills
§  Insurance terms
§  Insurance concepts
(e.g. premium pays
for insurance that
protects you against
an unexpected
medical event)
§  Types of healthcare
services (e.g.
screening vs.
diagnostic)
§  Beneficiary rights
§  Locate information
(e.g. eligibility,
coverage
requirements)
§  Evaluate credibility of
information sources
§  Navigate information
sources (insurer
telephone trees, and
exchange web sites,
decision support tools)
§  Articulate questions
§  Complete forms
(enrollment, claim,
mail order
prescription, appeal)
§  Read and follow
directions
§  Interpret summary of
benefits and
explanation of benefit
documents
§  Use schedules (e.g.
provider and drug
tiers)
§  Assess preventive
care needs and
personal risk
§  Apply benefit structure
to personal situation
§  Project utilization
§  Calculate out-of-
pocket costs
§  Assess value
§  Formulate questions
Self-Efficacy
The confidence to perform the tasks noted above
Copyright © 2013
American Institutes
for Research
All rights reserved.
Self report questions
How likely are you to understand what you
would have to pay for prescription drugs?
a.  A) very likely
b.  B) likely
c.  C) unlikely
d.  D) very unlikely
Knowledge and skills “test”
questions
Which of the following plans would you
recommend to a person with a chronic
condition? This person visits their doctor
twice a month and is taking three
prescription drugs.
a.  Plan 1: Premium is $50/month and the
deductible is $2,500.
b.  Plan 2: Premium is $70/month and the
deductible is $1,000.
c.  Plan 3: Premium is $100/month and the
deductible is $300.
Two Types of Questions
14
§  Adults age 22-64
§  Currently insured or previously insured through:
•  Employer/family member’s employer or
•  Non-group insurance or
•  Medicaid
Sample size 824 people, representative of U.S population
Who we surveyed
15
What we learned
Characteristics
Gestalt
16
•  Men or Women
•  Younger adults or Older adults
•  Whites or Blacks or Hispanics
•  More educated or Less educated
•  Lower income or Higher income
Who’s more health insurance
literate?
17
•  Men or Women
•  Younger adults or Older adults
•  Whites or Blacks or Hispanics
•  Less educated or More educated
•  Lower income or Higher income
•  Employers purchasers or Self-purchasers
Who’s more health insurance
literate?
18
•  Employer coverage or Self-purchasers
•  Staff model enrollees or PPO enrollees
•  Rare healthcare users or More frequent healthcare users
Whose more health insurance
literate?
19
•  Employer coverage or Self-purchasers
•  Staff model enrollees or PPO enrollees
•  Rare healthcare users or More frequent healthcare users
Whose more health insurance
literate?
20
§  Choosing Insurance:
General understanding
Question: “How confident are you
that you would choose the health
plan that is best for you?”
11.5%
27.2%
40.1%
12.0% Very confident
Moderately
Confident
Slightly confident
Not at all confident
Global HIL Questions
21
§  Using health insurance:
Knowing how
Question: “You know most of the
things you need to know about using
health insurance.”
Global HIL Questions
22
4.5%
20.0%
58.6%
16.7%
Strongly agree
Agree
Disagree
Strongly
disagree
A	
  ques0on	
  for	
  Kathy	
  
The percentage of people who think
they know all they need to seems
pretty high to me.
Were you surprised by that? What
concerns you about that response?
Overarching Theme:
Not knowing what you don’t know
24
Insurance Experience
Costly health
event
It’s a
hard
knock
life.
Health
Insurance
Literacy
Confidence
25
Overall Knowledge and Skills Test
Results
62%
39%
68%
57%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Health Insurance Terms Knowledge of Plan
Types
Skills Choosing Plans Skills Using Plans
Percent Correct Responses
A	
  ques0on	
  for	
  Kathy	
  
What are the implications of people
not knowing what they don’t know,
and how can practitioners help
adjust that gap?
Understanding of Terms
27
a)  Very confident
b)  Moderately confident
c)  Slightly confident
d)  Not at all confident
How confident do you feel that you
understand insurance terms
28
29
How confident do you feel that you
understand insurance terms
33.7%
29.1%
26.8%
10.1%
Very confident
Moderately confident
Slightly confident
Not at all confident
§  How confident are you
that…
•  Question: “You understand health
insurance terms?”
a)  The payment your health plan makes for covered care.
b)  The amount you pay each month to your health plan for
your health insurance.
c)  The amount you must pay for your health care before
your health plan begins to pay.
d)  Not sure
A premium is:
30
a)  The payment your health plan makes for covered care.
(5%)
b)  The amount you pay each month to your health plan
for your health insurance. (78%)
c)  The amount you must pay for your health care before
your health plan begins to pay. (7%)
d)  Not sure (9%)
A premium is:
31
a)  A type of therapy not often covered by health plans.
b)  A health plan policy that requires your doctor to request
the plan’s approval of an increase in the dose of
medicine you take.
c)  A health plan policy that encourages members to try
effective but less expensive medicines to treat their
condition before trying more expensive ones.
d)  Not sure
Step therapy is:
32
a)  A type of therapy not often covered by health plans. (3%)
b)  A health plan policy that requires your doctor to request
the plan’s approval of an increase in the dose of
medicine you take. (5%)
c)  A health plan policy that encourages members to try
effective but less expensive medicines to treat their
condition before trying more expensive ones. (35%)
d)  Not sure (59%)
Step therapy is:
33
Using Insurance
34
35
Using Insurance: Being Proactive
11.8
14.9
5.4
4.4
28.7
32.1
13.9
13.65
28.6
30.7
23.8
23.8
28.4
19.6
54.3
51.2
2.1
2.4
3.0
6.9
Not at all likely Somewhat likely Moderately likely Very likely Not applicable
Review the statements
you get from your health
plan showing what you
owe and what they paid
for a service?
Find out if a doctor is in-
network before you see
him/her?
Look to member
services to tell you what
medical services your
health plan covers?
Look into what your
health plan will and will
not cover before you get
health care services?
When using your health insurance plan, how likely are you to…(%)
You think you might have injured your knee, so you go the doctor and
she takes an X-ray. The bill is $200 for the doctor and $100 for the X-ray.
Your health plan covers both of these services. You have 20%
coinsurance for doctor visits and 10% coinsurance for diagnostic tests,
such as X-rays. Coinsurance is the percentage of a health care bill that
you pay. What is your part of the bill?
a)  $40
b)  $50
c)  $90
d)  Not sure
Question: Using Insurance
36
You think you might have injured your knee, so you go the doctor and
she takes an X-ray. The bill is $200 for the doctor and $100 for the X-
ray. Your health plan covers both of these services. You have 20%
coinsurance for doctor visits and 10% coinsurance for diagnostic tests,
such as X-rays. Coinsurance is the percentage of a health care bill that
you pay. What is your part of the bill?
a)  $40 (6%)
b)  $50 (63%)
c)  $90 (5%)
d)  Not sure (25%)
Question: Using Insurance
37
63% were correct
Early in January, Robert visits an in-network doctor to get a wart
removed from his foot. The bill for this visit is $530, which is the member
rate the doctor agreed to charge his health plan for that service. Robert
has a $30 co-pay, a $100 deductible, and 20% coinsurance that apply for
this visit. His co-pay does not count towards the deductible. How much
will Robert pay for the visit?
a)  $130
b)  $210
c)  $236
d)  Not sure
Question: Using Insurance
38
Early in January, Robert visits an in-network doctor to get a wart
removed from his foot. The bill for this visit is $530, which is the member
rate the doctor agreed to charge his health plan for that service. Robert
has a $30 co-pay, a $100 deductible, and 20% coinsurance that apply for
this visit. His co-pay does not count towards the deductible. How much
will Robert pay for the visit?
a)  $130 (18%)
b)  $210 (19%)
c)  $236 (33%)
d)  Not sure (30%)
Question: Using Insurance
39
19% were correct
•  Frequent healthcare use, age, higher education, and
income are related to higher health insurance literacy
•  About 2/3 of people age 22 - 65 have a basic
understanding of routine care coverage
•  People struggle to understand complex benefit structures
•  People tend to be overly confident about their ability to
choose and use health insurance
Take home points
40
Kathy Paez
301-592-2229
kpaez@air.org
10720 Columbia Pike, Suite 500
Silver Spring, MD 20901-4449
General Information: 301-592-8600
www.air.org
41
Introducing	
  	
  
Jennifer	
  Messenger	
  Heilbronner	
  
Jennifer Messenger
Heilbronner
Metropolitan Group
Executive Vice President
HEALTH LITERACY AND
MARKETING
Jennifer Messenger Heilbronner, Metropolitan Group
SEPTEMBER 25, 2013
HEALTH INSURANCE
LITERACY
•  "Little systematic research has been done to date to
assess health insurance literacy.”
§  Center for Rural Health
•  Not a single concept or skill.
§  Prose literacy
§  Numeracy
§  Document literacy
§  Etc.
SOME CLUES
• Older adults more comfortable with
insurance info than younger
SOME CLUES
• Most help needed
§ comparing different plans
§ calculating costs
SOME CLUES
• Helpful: case studies showing what the
plan will do for different people
CALCULATIONS ARE TOUGH
Office visit
Co-insurance
Co-pay
A	
  ques0on	
  for	
  Jennifer	
  
Do you have any insight yet on
what’s most important to
people about health insurance,
especially insight that might
help frame messages?
EARLY RESEARCH
MOST IMPORTANT
Insured
•  More can get insurance, even
with pre-existing condition
•  Financial help available
•  Costs and what is covered in
simple language
•  What plans cover
•  Main concern = Quality + cost
EARLY RESEARCH
MOST IMPORTANT
Insured
•  More can get insurance, even
with pre-existing condition
•  Financial help available
•  Costs and what is covered in
simple language
•  What plans cover
•  Main concern = Quality + cost
Uninsured
•  Financial help available
•  More can get insurance, even
with pre-existing condition
•  Costs and what is covered in
simple language
•  What plans cover
•  Main concern = cost
LANGUAGE GUIDES
•  Key messages developed by RWJF to help all
exchanges
•  Healthcare.gov/glossary
•  Community input
AUDIENCES
•  Young and healthy
•  Passive and skeptical
•  Sick and worried
•  Experienced and enthusiastic
•  Isolated and independent
DEMOGRAPHIC, BEHAVIORIAL,
PSYCHOGRAPHIC
ENGAGING OUR AUDIENCES
INTEGRATED CAMPAIGN
Research
Paid
Media
Earned
Media
Online
Outreach
Statewide+
Grassroots
Partners
Marketing
Materials
Community
Meetings
All
Oregonians
Multi-
cultural
communities
Customized
approach
•  Play/show Matt Sheehy, Lifesavas, education
ads
PAID MEDIA & CREATIVE
•  Editorial boards
•  Priority pitching
– Young and healthy
– Women/moms
– Small biz and entrepreneurs
– Multicultural communities
•  Social Media
•  Avoiding fraud
EARNED MEDIA
•  Reaching traditionally underserved audiences
•  Range of trusted organizations
§  Oregon State Library
§  OSU Extension
§  Multicultural organizations
•  Events and paid sponsorships
GRASSROOTS
§  Culturally relevant and highly
customizable
§  Community tells us what
motivates, makes sense
MATERIALS
Starting in October 2013, you can enroll
in coverage even if you already have a
health condition or have been turned
down before.
COVER OREGON™
IS A NEW ONLINE MARKETPLACE WHERE YOU CAN COMPARE
AND ENROLL IN MEDICAL AND DENTAL COVERAGE, AND ACCESS FINANCIAL HELP.
UNINSURED?
WE CAN CHANGE THAT.
Cover Oregon.com | 1-855-CoverOR (1-855-268-3767)
•  Focused language and outreach in
underserved communities
–  African American - Latino
–  Asian and Pacific Islander - Russian/Slavic
–  LGBTQ - Tribes
MULTICULTURAL OUTREACH
•  Robust network of community partners
§  Online dynamic search to find assistance from an
agent or community partner
•  Multilingual capacity in call center
•  Multilingual paper applications
MULTICULTURAL CAPACITY
•  Transcreation
•  Languages:
Chinese, Korean,
Vietnamese, Japanese,
Spanish, Russian
•  Collaborative process
•  Customizable
MULTICULTURAL
MATERIALS
Cover Oregon es un mercado donde
hallar seguro médico y ayuda
económica para pagarlo
Un seguro médico te protege
a ti y tu familia de tener que
afrontar una gran cantidad de
gastos médicos y te ayudará
a cuidar tu salud.
Seguro
médico para
ti y tu familia
CO-C-00020 (7/13)
Pide ayuda a una organización
comunitaria o agente de Cover Oregon
para completar la solicitud. Ellos pueden
explicarte las diferencias entre los planes
de seguro médico y ayudarte a presentar
la solicitud a través de Cover Oregon.
Llama al 1-855-CoverOR
(1-855-268-3767) para hablar con un
representante. Podrás transmitir tus
necesidades y recibir instrucciones sobre
cómo solicitar el seguro médico a través
de Cover Oregon. También te pueden
ayudar a encontrar una organización
comunitaria o un agente en tu área
Visita nuestro sitio web:
CoverOregon.com para saber cómo
Cover Oregon te puede ayudar a tí y a
tu familia. Usa la calculadora para ver la
ayuda económica que puedes recibir.
Si usas el sitio web, tu privacidad está
protegida por la legislación federal.
La información suministrada será
Incluso si tienes alguna enfermedad, como
diabetes o asma, o si te negaron la posibilidad de
contratar un seguro médico antes, ahora puedes
encontrar opciones de seguro en Cover Oregon.
También podrías recibir ayuda
con el pago del seguro.
¿Cómo accedo a Cover Oregon?
Puedes obtener asistencia sin cargo
de varias maneras:
Tenemos la obligación de
brindarte ayuda en tu idioma.
No dudes en consultarnos
cómo te podemos ayudar.
Puedes registrarte en un plan de seguro médico a partir
de octubre de 2013. La cobertura y ayuda económica
tienen vigencia desde enero de 2014.
¡Regístrate!
Интернет-площадка, позволяющая найти
медицинскую страховку и финансовую
помощь для ее оплаты
Наличие медицинской страховки
защищает вас и вашу семью от
больших медицинских счетов и
помогает вам оставаться здоровым.
Медицинское
страхование
для вас и
вашей семьи
CO-C-00020 (7/13)
Получите помощь, заполнив бланк заявки
у общественного партнера или агента Cover
Oregon. Они могут объяснить разницу между
медицинскими страховыми планами и могут
помочь подать заявку через Cover Oregon.
Позвоните по телефону 1-855-CoverOR
(1-855-268-3767), расскажите сотруднику о своих
нуждах и узнайте, как подать заявку на получение
страхового медицинского полиса через Cover
Oregon. Сотрудник также может помочь вам найти
ближайшего к вам общественного партнера или
агента Cover Oregon.
Посетите сайт www.CoverOregon.com для того,
чтобы узнать больше о том, как Cover Oregon может
помочь вам и вашей семье. Узнайте с помощью
программы-калькулятора, размещенной на сайте, на
какую финансовую помощь вы можете рассчитывать.
Когда вы пользуетесь сайтом, тайна ваших личных
данных охраняется федеральным законодательством.
Предоставленная вами информация будет
рассматриваться строго конфиденциально.
Даже если у вас есть хроническое заболевание,
например, диабет или астма, или вам раньше было
отказано в медицинской страховке, вы сможете найти
свой вариант страхования с помощью Cover Oregon.
Возможно, у вас есть право на
помощь в оплате страхового полиса.
Как мне обратиться в Cover Oregon?
Вы можете получить бесплатную
помощь разными способами:
Cover Oregon обязана предоставлять
консультативную помощь на вашем
родном языке. Пожалуйста, узнайте,
как мы можем вам помочь.
Puedes registrarte en un plan de seguro médico a partir
de octubre de 2013. La cobertura y ayuda económica
tienen vigencia desde enero de 2014.
Sign up!
A	
  ques/on	
  for	
  Jennifer	
  
Do you have an example
of how you adapted
materials for a specific
group and how that
worked?
•  New tagline/title
•  More “what is insurance”
•  AI/AN exchange specifics
EARLY SUCCESS:
TRIBAL MATERIALS
Cover Oregon is a marketplace
for Tribal communities to find
health insurance and financial
help to pay for it
Cover Oregon can help you and your family if:
You currently receive services at your Tribal
or Urban Indian clinic, and do not have
insurance coverage.
You or your family do not have private health
insurance or coverage through a public
medical program.
You cannot get affordable health insurance
through work.
You buy your own health insurance and want
more choices.
You own a small business and employ 50
or fewer people.
Online:
CoverOregon.com
Toll-free:
1-855-CoverOR
(1-855-268-3767)
SIGN UP
Cover Oregon is here to help you
find the right health insurance for
you and your family, and financial
help to pay for it. Even if you
receive services from your Tribal
or Urban Indian clinic, Cover
Oregon will work for you.
Honoring
Traditions
of Health
Visit CoverOregon.com to learn
more and use a website calculator
to see how much financial help
you might receive. When you use
the website, federal law protects
your privacy. The information
you provide will be treated
confidentially.
Call 1-855-CoverOR
(1-855-268-3767) to speak with
someone about your needs for
health insurance and how to use
Cover Oregon. We can help you
find a tribal community partner
near you.
Visit your local Tribal oganization,
clinic, or community partner.
People there can explain the
differences in health insurance
options, and can help you use
Cover Oregon.
How Do I Access
Cover Oregon?
You can enroll in a health insurance plan
starting in OCTOBER 2013. Coverage and
financial help begin in JANUARY 2014.
Name of Organization
Address line 1
Address line 2
555.555.5555
Email Address
website.com
LOGO
LOGO
CO-C-00020-RP-NA (7/13)
•  Awareness up from 5% in May to 37% today
•  Greatest appeal:
§  No pre-existing conditions.
§  More people can have insurance.
§  Easier process.
•  Focus group participants demonstrate fluency
in basic insurance concepts
WHAT’S WORKING
•  Cover Oregon = plan? (skepticism)
•  Tax credits and financial assistance?
•  Connection to mandate/penalty
•  Additional segmentation and specifics
§  Transgender
§  Women
WHAT’S STILL NEEDED
•  “Place where you can shop for health
insurance.”
•  “Find savings to help pay for insurance.”
•  “Insurance agent”
•  “No cost to use Cover Oregon or get help.”
LANGUAGE ADJUSTMENTS
•  Make it real with examples
•  Look to the community
•  Share messages through many channels,
with different levels of info
•  Be ready to learn and adapt
KEY TAKEAWAYS
WWW.COVEROREGON.COM
Thank	
  you	
  to	
  our	
  speakers!	
  
Kathryn Paez, RN, Ph.D.
American Institutes for Research
Jennifer Messenger Heilbronner
Metropolitan Group
Health	
  Literacy:	
  
Undervalued	
  by	
  
Public	
  Health?	
  
A	
  tool	
  for	
  public	
  health	
  
professionals.	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  
Prepared	
  for	
  the	
  American	
  Public	
  Health	
  
Associa0on	
  Community	
  Health	
  Planning	
  &	
  
Policy	
  Development	
  Sec0on	
  
Tammy	
  Pilisuk,	
  MPH	
  	
  	
  	
  AUG	
  2011	
  
Resources	
  
•  HIL	
  Issue	
  Brief	
  and	
  informa0on	
  about	
  the	
  HIL	
  measure	
  
h_p://aircpce.org/airs-­‐work-­‐in-­‐cpce/health-­‐insurance-­‐
literacy/	
  
	
  
•  Training	
  modules	
  University	
  of	
  Maryland	
  developed	
  to	
  
prepare	
  consumers	
  to	
  choose	
  and	
  use	
  health	
  insurance	
  
h_p://www.extension.umd.edu/insure	
  
	
  
•  Kaiser	
  Family	
  Founda0on	
   	
  	
  
	
  h_p://www.kff.org/health-­‐reform	
  
	
   73
Resources	
  
•  RWJF	
  Medicaid	
  study
h_p://www.rwjf.org/content/dam/farm/reports/
surveys_and_polls/2012/rwjf73113	
  
	
  
•  Enroll	
  America
h_p://files.www.enrollamerica.org/best-­‐prac0ces-­‐
ins0tute/public-­‐educa0on-­‐resources/
EA_Final_Report.pdf	
  
	
  	
  
	
  
74
Speaker	
  Contact	
  Informa0on	
  	
  
Kathyrn	
  Paez,	
  RN,	
  Ph.D.	
  
kpaez@air.org	
  	
  
h1p://www.air.org	
  
	
  
Jennifer	
  Messenger	
  Heilbronner	
  
jmessenger@metgroup.com	
  
h1p://www.metgroup.com	
  
	
  
Thank	
  you	
  to	
  our	
  Sponsors!	
  
	
  
Community Health Planning and Policy Development
Section, APHA
Thank	
  you	
  to	
  our	
  planning	
  
commi1ee	
  
•  Tammy	
  Pilisuk,	
  MPH,	
  APHA-­‐CHPPD	
  
•  Erin	
  Brigham,	
  MPH,	
  CareSource,	
  APHA-­‐CHPPD	
  
•  Meghan	
  Bridgid	
  Moran,	
  PhD,	
  San	
  Diego	
  State	
  
University,	
  School	
  of	
  Communica0ons	
  	
  
•  Lisa	
  Peterson,	
  MPH,	
  CALPACT	
  at	
  UC	
  Berkeley	
  
•  Stephanie	
  Bender,	
  MS,	
  Health	
  Educator	
  
•  Aileen	
  Kantor,	
  Health	
  Literacy	
  Innova0ons	
  
•  Nancy	
  Murphy,	
  MSHC,	
  Metropolitan	
  Group	
  
About	
  This	
  Series	
  	
  
•  The	
  Health	
  Communica/on	
  Ma1ers	
  series	
  will	
  help	
  par0cipants	
  in	
  all	
  
walks	
  of	
  public	
  health	
  to	
  apply	
  health	
  literacy	
  principles	
  to	
  their	
  everyday	
  
communica0ons.	
  	
  	
  
	
  
•  What	
  audiences	
  do	
  you	
  communicate	
  with—consumers,	
  health	
  
professionals,	
  disenfranchised	
  communi0es,	
  your	
  public	
  health	
  peers?	
  
Whatever	
  your	
  role	
  in	
  public	
  health,	
  it’s	
  likely	
  that	
  you	
  need	
  to	
  
communicate	
  effec0vely.	
  But	
  how	
  do	
  you	
  know	
  your	
  communica0on	
  is	
  
effec0ve?	
  	
  
	
  
•  Only	
  about	
  10	
  percent	
  of	
  the	
  general	
  popula0on	
  is	
  considered	
  “health	
  
literate.”	
  That	
  leaves	
  the	
  vast	
  majority	
  of	
  us	
  with	
  barriers	
  to	
  
understanding	
  the	
  health-­‐related	
  informa0on	
  we	
  read.	
  
	
  
Conclusion	
  
Thank	
  you!	
  
	
  
	
  
	
  
www.calpact.org	
  

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CALPACT Webinar: Applying Health Literacy to Health Insurance: How We Can Help Consumers

  • 1. Welcome to the Webinar  Health  Communica/on  Ma1ers!     Applying  Health  Literacy  to  Health  Insurance:   How  We  Can  Help  Consumers   We  will  begin  shortly…  
  • 2. Today you’ll be hearing from. . . Nancy Murphy, MSHC Metropolitan Group Moderator Kathy Paez, RN, Ph.D. American Institutes for Research Principal Researcher Jennifer Messenger Heilbronner, Metropolitan Group Exec. Vice President
  • 3. Agenda     1.  Review  of  session  objec0ves   2.  Introduc0on  of  today’s  speakers   3.  What  do  consumers  know  –  and  what  do  they  think  they   know  –  about  health  insurance?   4.  Q  &  A   5.  Cover  Oregon:  Real-­‐0me  case  study  on  consumer  outreach   6.  Q  &  A   7.  Specific  ac0ons  and  resources     8.  Next  steps  &  conclusion  
  • 4. Objectives •  Describe  what  consumers  do  and  don't  understand  as  they   are  shopping  for  and  using  private  health  insurance     •  Describe  what  consumers  should  understand  to  be  health   insurance  literate     •  Understand  how  audience  segmenta0on  informs  outreach   and  enrollment  strategies     •  Describe  the  marke0ng  mix  used  to  build  awareness,  educate   and  drive  enrollment      
  • 5. Who is speaking today: Kathy Paez Kathy Paez, RN, Ph.D. Principal Researcher American Institutes for Research Email: kpaez@air.org Website: http://www.air.org
  • 6. Who is speaking today: Jennifer Messenger Heilbronner Jennifer Messenger Heilbronner Executive Vice President, Public Health Practice Lead, Metropolitan Group Email: jmessenger@metgroup.com Website: http://www.metgroup.com
  • 7. Who is moderating our discussion today: Nancy Murphy Nancy Murphy, MSHC Executive Vice President Metropolitan Group Email: nmurphy@metgroup.com Website: http://www.metgroup.com
  • 8. Introducing Kathy Paez Kathy Paez, RN, Ph.D. Principal Researcher American Institutes for Research
  • 9. CALPACT Webinar: Applying Health Literacy to Health Insurance September 2013 Copyright © 20XX American Institutes for Research. All rights reserved. How we can help consumers September 25, 2013
  • 10. “The capacity to find and evaluate information about health plans, select the best plan given financial health circumstances, and use the plan once enrolled.” Health Insurance Literacy Expert Roundtable, 2011. What is Health Insurance Literacy? 10
  • 11. “I don’t know what’s covered, the information saying what is covered is like a bible, I neglect to read it and try to avoid the doctor.” -Man in his 30’s Why measure Health Insurance Literacy? 11
  • 12. •  Tailor outreach communications •  Compare effectiveness of outreach approaches •  Assess effectiveness of training consumer assistants •  Evaluate changes over time in consumers’ ability to select, use health insurance Why measure Health Insurance Literacy? 12
  • 13. 13 Domains of Health Insurance Literacy Knowledge Information Seeking Document Literacy Cognitive Skills §  Insurance terms §  Insurance concepts (e.g. premium pays for insurance that protects you against an unexpected medical event) §  Types of healthcare services (e.g. screening vs. diagnostic) §  Beneficiary rights §  Locate information (e.g. eligibility, coverage requirements) §  Evaluate credibility of information sources §  Navigate information sources (insurer telephone trees, and exchange web sites, decision support tools) §  Articulate questions §  Complete forms (enrollment, claim, mail order prescription, appeal) §  Read and follow directions §  Interpret summary of benefits and explanation of benefit documents §  Use schedules (e.g. provider and drug tiers) §  Assess preventive care needs and personal risk §  Apply benefit structure to personal situation §  Project utilization §  Calculate out-of- pocket costs §  Assess value §  Formulate questions Self-Efficacy The confidence to perform the tasks noted above Copyright © 2013 American Institutes for Research All rights reserved.
  • 14. Self report questions How likely are you to understand what you would have to pay for prescription drugs? a.  A) very likely b.  B) likely c.  C) unlikely d.  D) very unlikely Knowledge and skills “test” questions Which of the following plans would you recommend to a person with a chronic condition? This person visits their doctor twice a month and is taking three prescription drugs. a.  Plan 1: Premium is $50/month and the deductible is $2,500. b.  Plan 2: Premium is $70/month and the deductible is $1,000. c.  Plan 3: Premium is $100/month and the deductible is $300. Two Types of Questions 14
  • 15. §  Adults age 22-64 §  Currently insured or previously insured through: •  Employer/family member’s employer or •  Non-group insurance or •  Medicaid Sample size 824 people, representative of U.S population Who we surveyed 15
  • 17. •  Men or Women •  Younger adults or Older adults •  Whites or Blacks or Hispanics •  More educated or Less educated •  Lower income or Higher income Who’s more health insurance literate? 17
  • 18. •  Men or Women •  Younger adults or Older adults •  Whites or Blacks or Hispanics •  Less educated or More educated •  Lower income or Higher income •  Employers purchasers or Self-purchasers Who’s more health insurance literate? 18
  • 19. •  Employer coverage or Self-purchasers •  Staff model enrollees or PPO enrollees •  Rare healthcare users or More frequent healthcare users Whose more health insurance literate? 19
  • 20. •  Employer coverage or Self-purchasers •  Staff model enrollees or PPO enrollees •  Rare healthcare users or More frequent healthcare users Whose more health insurance literate? 20
  • 21. §  Choosing Insurance: General understanding Question: “How confident are you that you would choose the health plan that is best for you?” 11.5% 27.2% 40.1% 12.0% Very confident Moderately Confident Slightly confident Not at all confident Global HIL Questions 21
  • 22. §  Using health insurance: Knowing how Question: “You know most of the things you need to know about using health insurance.” Global HIL Questions 22 4.5% 20.0% 58.6% 16.7% Strongly agree Agree Disagree Strongly disagree
  • 23. A  ques0on  for  Kathy   The percentage of people who think they know all they need to seems pretty high to me. Were you surprised by that? What concerns you about that response?
  • 24. Overarching Theme: Not knowing what you don’t know 24 Insurance Experience Costly health event It’s a hard knock life. Health Insurance Literacy Confidence
  • 25. 25 Overall Knowledge and Skills Test Results 62% 39% 68% 57% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Health Insurance Terms Knowledge of Plan Types Skills Choosing Plans Skills Using Plans Percent Correct Responses
  • 26. A  ques0on  for  Kathy   What are the implications of people not knowing what they don’t know, and how can practitioners help adjust that gap?
  • 28. a)  Very confident b)  Moderately confident c)  Slightly confident d)  Not at all confident How confident do you feel that you understand insurance terms 28
  • 29. 29 How confident do you feel that you understand insurance terms 33.7% 29.1% 26.8% 10.1% Very confident Moderately confident Slightly confident Not at all confident §  How confident are you that… •  Question: “You understand health insurance terms?”
  • 30. a)  The payment your health plan makes for covered care. b)  The amount you pay each month to your health plan for your health insurance. c)  The amount you must pay for your health care before your health plan begins to pay. d)  Not sure A premium is: 30
  • 31. a)  The payment your health plan makes for covered care. (5%) b)  The amount you pay each month to your health plan for your health insurance. (78%) c)  The amount you must pay for your health care before your health plan begins to pay. (7%) d)  Not sure (9%) A premium is: 31
  • 32. a)  A type of therapy not often covered by health plans. b)  A health plan policy that requires your doctor to request the plan’s approval of an increase in the dose of medicine you take. c)  A health plan policy that encourages members to try effective but less expensive medicines to treat their condition before trying more expensive ones. d)  Not sure Step therapy is: 32
  • 33. a)  A type of therapy not often covered by health plans. (3%) b)  A health plan policy that requires your doctor to request the plan’s approval of an increase in the dose of medicine you take. (5%) c)  A health plan policy that encourages members to try effective but less expensive medicines to treat their condition before trying more expensive ones. (35%) d)  Not sure (59%) Step therapy is: 33
  • 35. 35 Using Insurance: Being Proactive 11.8 14.9 5.4 4.4 28.7 32.1 13.9 13.65 28.6 30.7 23.8 23.8 28.4 19.6 54.3 51.2 2.1 2.4 3.0 6.9 Not at all likely Somewhat likely Moderately likely Very likely Not applicable Review the statements you get from your health plan showing what you owe and what they paid for a service? Find out if a doctor is in- network before you see him/her? Look to member services to tell you what medical services your health plan covers? Look into what your health plan will and will not cover before you get health care services? When using your health insurance plan, how likely are you to…(%)
  • 36. You think you might have injured your knee, so you go the doctor and she takes an X-ray. The bill is $200 for the doctor and $100 for the X-ray. Your health plan covers both of these services. You have 20% coinsurance for doctor visits and 10% coinsurance for diagnostic tests, such as X-rays. Coinsurance is the percentage of a health care bill that you pay. What is your part of the bill? a)  $40 b)  $50 c)  $90 d)  Not sure Question: Using Insurance 36
  • 37. You think you might have injured your knee, so you go the doctor and she takes an X-ray. The bill is $200 for the doctor and $100 for the X- ray. Your health plan covers both of these services. You have 20% coinsurance for doctor visits and 10% coinsurance for diagnostic tests, such as X-rays. Coinsurance is the percentage of a health care bill that you pay. What is your part of the bill? a)  $40 (6%) b)  $50 (63%) c)  $90 (5%) d)  Not sure (25%) Question: Using Insurance 37 63% were correct
  • 38. Early in January, Robert visits an in-network doctor to get a wart removed from his foot. The bill for this visit is $530, which is the member rate the doctor agreed to charge his health plan for that service. Robert has a $30 co-pay, a $100 deductible, and 20% coinsurance that apply for this visit. His co-pay does not count towards the deductible. How much will Robert pay for the visit? a)  $130 b)  $210 c)  $236 d)  Not sure Question: Using Insurance 38
  • 39. Early in January, Robert visits an in-network doctor to get a wart removed from his foot. The bill for this visit is $530, which is the member rate the doctor agreed to charge his health plan for that service. Robert has a $30 co-pay, a $100 deductible, and 20% coinsurance that apply for this visit. His co-pay does not count towards the deductible. How much will Robert pay for the visit? a)  $130 (18%) b)  $210 (19%) c)  $236 (33%) d)  Not sure (30%) Question: Using Insurance 39 19% were correct
  • 40. •  Frequent healthcare use, age, higher education, and income are related to higher health insurance literacy •  About 2/3 of people age 22 - 65 have a basic understanding of routine care coverage •  People struggle to understand complex benefit structures •  People tend to be overly confident about their ability to choose and use health insurance Take home points 40
  • 41. Kathy Paez 301-592-2229 kpaez@air.org 10720 Columbia Pike, Suite 500 Silver Spring, MD 20901-4449 General Information: 301-592-8600 www.air.org 41
  • 42. Introducing     Jennifer  Messenger  Heilbronner   Jennifer Messenger Heilbronner Metropolitan Group Executive Vice President
  • 43.
  • 44. HEALTH LITERACY AND MARKETING Jennifer Messenger Heilbronner, Metropolitan Group SEPTEMBER 25, 2013
  • 45. HEALTH INSURANCE LITERACY •  "Little systematic research has been done to date to assess health insurance literacy.” §  Center for Rural Health •  Not a single concept or skill. §  Prose literacy §  Numeracy §  Document literacy §  Etc.
  • 46. SOME CLUES • Older adults more comfortable with insurance info than younger
  • 47. SOME CLUES • Most help needed § comparing different plans § calculating costs
  • 48. SOME CLUES • Helpful: case studies showing what the plan will do for different people
  • 49. CALCULATIONS ARE TOUGH Office visit Co-insurance Co-pay
  • 50. A  ques0on  for  Jennifer   Do you have any insight yet on what’s most important to people about health insurance, especially insight that might help frame messages?
  • 51. EARLY RESEARCH MOST IMPORTANT Insured •  More can get insurance, even with pre-existing condition •  Financial help available •  Costs and what is covered in simple language •  What plans cover •  Main concern = Quality + cost
  • 52. EARLY RESEARCH MOST IMPORTANT Insured •  More can get insurance, even with pre-existing condition •  Financial help available •  Costs and what is covered in simple language •  What plans cover •  Main concern = Quality + cost Uninsured •  Financial help available •  More can get insurance, even with pre-existing condition •  Costs and what is covered in simple language •  What plans cover •  Main concern = cost
  • 53. LANGUAGE GUIDES •  Key messages developed by RWJF to help all exchanges •  Healthcare.gov/glossary •  Community input
  • 54. AUDIENCES •  Young and healthy •  Passive and skeptical •  Sick and worried •  Experienced and enthusiastic •  Isolated and independent DEMOGRAPHIC, BEHAVIORIAL, PSYCHOGRAPHIC
  • 57. •  Play/show Matt Sheehy, Lifesavas, education ads PAID MEDIA & CREATIVE
  • 58. •  Editorial boards •  Priority pitching – Young and healthy – Women/moms – Small biz and entrepreneurs – Multicultural communities •  Social Media •  Avoiding fraud EARNED MEDIA
  • 59. •  Reaching traditionally underserved audiences •  Range of trusted organizations §  Oregon State Library §  OSU Extension §  Multicultural organizations •  Events and paid sponsorships GRASSROOTS
  • 60. §  Culturally relevant and highly customizable §  Community tells us what motivates, makes sense MATERIALS Starting in October 2013, you can enroll in coverage even if you already have a health condition or have been turned down before. COVER OREGON™ IS A NEW ONLINE MARKETPLACE WHERE YOU CAN COMPARE AND ENROLL IN MEDICAL AND DENTAL COVERAGE, AND ACCESS FINANCIAL HELP. UNINSURED? WE CAN CHANGE THAT. Cover Oregon.com | 1-855-CoverOR (1-855-268-3767)
  • 61. •  Focused language and outreach in underserved communities –  African American - Latino –  Asian and Pacific Islander - Russian/Slavic –  LGBTQ - Tribes MULTICULTURAL OUTREACH
  • 62. •  Robust network of community partners §  Online dynamic search to find assistance from an agent or community partner •  Multilingual capacity in call center •  Multilingual paper applications MULTICULTURAL CAPACITY
  • 63. •  Transcreation •  Languages: Chinese, Korean, Vietnamese, Japanese, Spanish, Russian •  Collaborative process •  Customizable MULTICULTURAL MATERIALS Cover Oregon es un mercado donde hallar seguro médico y ayuda económica para pagarlo Un seguro médico te protege a ti y tu familia de tener que afrontar una gran cantidad de gastos médicos y te ayudará a cuidar tu salud. Seguro médico para ti y tu familia CO-C-00020 (7/13) Pide ayuda a una organización comunitaria o agente de Cover Oregon para completar la solicitud. Ellos pueden explicarte las diferencias entre los planes de seguro médico y ayudarte a presentar la solicitud a través de Cover Oregon. Llama al 1-855-CoverOR (1-855-268-3767) para hablar con un representante. Podrás transmitir tus necesidades y recibir instrucciones sobre cómo solicitar el seguro médico a través de Cover Oregon. También te pueden ayudar a encontrar una organización comunitaria o un agente en tu área Visita nuestro sitio web: CoverOregon.com para saber cómo Cover Oregon te puede ayudar a tí y a tu familia. Usa la calculadora para ver la ayuda económica que puedes recibir. Si usas el sitio web, tu privacidad está protegida por la legislación federal. La información suministrada será Incluso si tienes alguna enfermedad, como diabetes o asma, o si te negaron la posibilidad de contratar un seguro médico antes, ahora puedes encontrar opciones de seguro en Cover Oregon. También podrías recibir ayuda con el pago del seguro. ¿Cómo accedo a Cover Oregon? Puedes obtener asistencia sin cargo de varias maneras: Tenemos la obligación de brindarte ayuda en tu idioma. No dudes en consultarnos cómo te podemos ayudar. Puedes registrarte en un plan de seguro médico a partir de octubre de 2013. La cobertura y ayuda económica tienen vigencia desde enero de 2014. ¡Regístrate! Интернет-площадка, позволяющая найти медицинскую страховку и финансовую помощь для ее оплаты Наличие медицинской страховки защищает вас и вашу семью от больших медицинских счетов и помогает вам оставаться здоровым. Медицинское страхование для вас и вашей семьи CO-C-00020 (7/13) Получите помощь, заполнив бланк заявки у общественного партнера или агента Cover Oregon. Они могут объяснить разницу между медицинскими страховыми планами и могут помочь подать заявку через Cover Oregon. Позвоните по телефону 1-855-CoverOR (1-855-268-3767), расскажите сотруднику о своих нуждах и узнайте, как подать заявку на получение страхового медицинского полиса через Cover Oregon. Сотрудник также может помочь вам найти ближайшего к вам общественного партнера или агента Cover Oregon. Посетите сайт www.CoverOregon.com для того, чтобы узнать больше о том, как Cover Oregon может помочь вам и вашей семье. Узнайте с помощью программы-калькулятора, размещенной на сайте, на какую финансовую помощь вы можете рассчитывать. Когда вы пользуетесь сайтом, тайна ваших личных данных охраняется федеральным законодательством. Предоставленная вами информация будет рассматриваться строго конфиденциально. Даже если у вас есть хроническое заболевание, например, диабет или астма, или вам раньше было отказано в медицинской страховке, вы сможете найти свой вариант страхования с помощью Cover Oregon. Возможно, у вас есть право на помощь в оплате страхового полиса. Как мне обратиться в Cover Oregon? Вы можете получить бесплатную помощь разными способами: Cover Oregon обязана предоставлять консультативную помощь на вашем родном языке. Пожалуйста, узнайте, как мы можем вам помочь. Puedes registrarte en un plan de seguro médico a partir de octubre de 2013. La cobertura y ayuda económica tienen vigencia desde enero de 2014. Sign up!
  • 64. A  ques/on  for  Jennifer   Do you have an example of how you adapted materials for a specific group and how that worked?
  • 65. •  New tagline/title •  More “what is insurance” •  AI/AN exchange specifics EARLY SUCCESS: TRIBAL MATERIALS Cover Oregon is a marketplace for Tribal communities to find health insurance and financial help to pay for it Cover Oregon can help you and your family if: You currently receive services at your Tribal or Urban Indian clinic, and do not have insurance coverage. You or your family do not have private health insurance or coverage through a public medical program. You cannot get affordable health insurance through work. You buy your own health insurance and want more choices. You own a small business and employ 50 or fewer people. Online: CoverOregon.com Toll-free: 1-855-CoverOR (1-855-268-3767) SIGN UP Cover Oregon is here to help you find the right health insurance for you and your family, and financial help to pay for it. Even if you receive services from your Tribal or Urban Indian clinic, Cover Oregon will work for you. Honoring Traditions of Health Visit CoverOregon.com to learn more and use a website calculator to see how much financial help you might receive. When you use the website, federal law protects your privacy. The information you provide will be treated confidentially. Call 1-855-CoverOR (1-855-268-3767) to speak with someone about your needs for health insurance and how to use Cover Oregon. We can help you find a tribal community partner near you. Visit your local Tribal oganization, clinic, or community partner. People there can explain the differences in health insurance options, and can help you use Cover Oregon. How Do I Access Cover Oregon? You can enroll in a health insurance plan starting in OCTOBER 2013. Coverage and financial help begin in JANUARY 2014. Name of Organization Address line 1 Address line 2 555.555.5555 Email Address website.com LOGO LOGO CO-C-00020-RP-NA (7/13)
  • 66. •  Awareness up from 5% in May to 37% today •  Greatest appeal: §  No pre-existing conditions. §  More people can have insurance. §  Easier process. •  Focus group participants demonstrate fluency in basic insurance concepts WHAT’S WORKING
  • 67. •  Cover Oregon = plan? (skepticism) •  Tax credits and financial assistance? •  Connection to mandate/penalty •  Additional segmentation and specifics §  Transgender §  Women WHAT’S STILL NEEDED
  • 68. •  “Place where you can shop for health insurance.” •  “Find savings to help pay for insurance.” •  “Insurance agent” •  “No cost to use Cover Oregon or get help.” LANGUAGE ADJUSTMENTS
  • 69. •  Make it real with examples •  Look to the community •  Share messages through many channels, with different levels of info •  Be ready to learn and adapt KEY TAKEAWAYS
  • 71. Thank  you  to  our  speakers!   Kathryn Paez, RN, Ph.D. American Institutes for Research Jennifer Messenger Heilbronner Metropolitan Group
  • 72. Health  Literacy:   Undervalued  by   Public  Health?   A  tool  for  public  health   professionals.                                                       Prepared  for  the  American  Public  Health   Associa0on  Community  Health  Planning  &   Policy  Development  Sec0on   Tammy  Pilisuk,  MPH        AUG  2011  
  • 73. Resources   •  HIL  Issue  Brief  and  informa0on  about  the  HIL  measure   h_p://aircpce.org/airs-­‐work-­‐in-­‐cpce/health-­‐insurance-­‐ literacy/     •  Training  modules  University  of  Maryland  developed  to   prepare  consumers  to  choose  and  use  health  insurance   h_p://www.extension.umd.edu/insure     •  Kaiser  Family  Founda0on        h_p://www.kff.org/health-­‐reform     73
  • 74. Resources   •  RWJF  Medicaid  study h_p://www.rwjf.org/content/dam/farm/reports/ surveys_and_polls/2012/rwjf73113     •  Enroll  America h_p://files.www.enrollamerica.org/best-­‐prac0ces-­‐ ins0tute/public-­‐educa0on-­‐resources/ EA_Final_Report.pdf         74
  • 75. Speaker  Contact  Informa0on     Kathyrn  Paez,  RN,  Ph.D.   kpaez@air.org     h1p://www.air.org     Jennifer  Messenger  Heilbronner   jmessenger@metgroup.com   h1p://www.metgroup.com    
  • 76. Thank  you  to  our  Sponsors!     Community Health Planning and Policy Development Section, APHA
  • 77. Thank  you  to  our  planning   commi1ee   •  Tammy  Pilisuk,  MPH,  APHA-­‐CHPPD   •  Erin  Brigham,  MPH,  CareSource,  APHA-­‐CHPPD   •  Meghan  Bridgid  Moran,  PhD,  San  Diego  State   University,  School  of  Communica0ons     •  Lisa  Peterson,  MPH,  CALPACT  at  UC  Berkeley   •  Stephanie  Bender,  MS,  Health  Educator   •  Aileen  Kantor,  Health  Literacy  Innova0ons   •  Nancy  Murphy,  MSHC,  Metropolitan  Group  
  • 78. About  This  Series     •  The  Health  Communica/on  Ma1ers  series  will  help  par0cipants  in  all   walks  of  public  health  to  apply  health  literacy  principles  to  their  everyday   communica0ons.         •  What  audiences  do  you  communicate  with—consumers,  health   professionals,  disenfranchised  communi0es,  your  public  health  peers?   Whatever  your  role  in  public  health,  it’s  likely  that  you  need  to   communicate  effec0vely.  But  how  do  you  know  your  communica0on  is   effec0ve?       •  Only  about  10  percent  of  the  general  popula0on  is  considered  “health   literate.”  That  leaves  the  vast  majority  of  us  with  barriers  to   understanding  the  health-­‐related  informa0on  we  read.    
  • 79. Conclusion   Thank  you!         www.calpact.org