We want you to know the basics about
health insurance as you become more
What is health insurance?
It is a kind of coverage that pays for medical
and surgical costs.
ξ Do you know what your health
insurance pays for?
ξ Do you keep a copy of your
insurance card with you?
Do I need it?
Yes! It pays for your:
ξ Clinic appointments
ξ Emergency care
Without it you pay these costs.
How do I get health insurance?
There are two main ways you can apply to
get insurance: Private or public.
ξ Private is through your or your
ξ Public is also known as Medicaid or
Medical Assistance. In Wisconsin
you receive a Forward Health Card.
There are rules if you apply for this
kind of insurance. You are asked
how much money you make and if
you have any assets: own anything
that is valuable. The rules change on
your 18th birthday. If you have
public insurance you need to apply
again when you are 18 years old.
What do I need to do?
Explore your options.
ξ Stay under your family’s private
health insurance plan.
ξ Student Health Plan through your
college or university.
ξ Insurance through your job if you are
working and qualify.
ξ Adult Disable Dependent Child
insurance is for young adults who are
paid for under a parent’s insurance
after age 26. Each company has
rules about how this works and what
it means to be a dependent.
ξ COBRA insurance is if you leave a
job with insurance and want to keep
it up to 18 months. This is an
ξ SSI/Disability is a public benefit that
has guidelines for eligibility.
ξ The open market place….
What should I know?
A lot of things affect the cost of health
insurance. Costs to think about:
ξ Co-pay: a cost you pay when you
get health care services.
ξ Co-Insurance: a percentage of the
cost of health care services that you
have to pay.
ξ Deductible: a dollar amount that you
pay out of pocket each year before
your health insurance pays.
ξ Premium: a dollar amount that you
pay to buy health insurance. This is
a monthly fee.
Your health care team may have given you this information as part of your care. If so, please use it and call if you
have any questions. If this information was not given to you as part of your care, please check with your doctor.
This is not medical advice. This is not to be used for diagnosis or treatment of any medical condition. Because
each person’s health needs are different, you should talk with your doctor or others on your health care team
when using this information. If you have an emergency, please call 911. Copyright © 12/2017 University of
Wisconsin Hospitals and Clinics Authority. All rights reserved. Produced by the Department of Nursing. HF#8023