Author: creating-healthy-communities

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Julia Storm

Julia Storm serves as Agromedicine Information Specialist at North Carolina State University and North Carolina Cooperative Extension. She is actively involved in the North Carolina Agromedicine Institute, a partnership of East Carolina University, NC State University and NC A&T State University, whose mission is to promote the health and safety of farmers, foresters, fishers, workers, and their families and communities through research, education, and outreach.

Julia grew up in a small town in East Tennessee. She went to school …

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Donna Shanklin

Donna Shanklin is a traveler. As a military brat in the 1960s, she lived in half dozen places before settling in Kentucky when her dad retired.

Her first job was working at the local hamburger joint, but the job that impacted her life was working as a Integrated Pest Management Scout through the University of Kentucky’s Todd County Cooperative Extension Service office. There she was introduced to insects, weeds, and action thresholds. Growing up in a rural area, Donna wasn’t …

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Bonnie Braun

Bonnie Braun was born, raised and educated in Missouri. The Midwest vantage point framed her understanding of the diversity of people and perspectives. She was introduced to ideas and ways of living “back East, out West, up North and down south.” Over the years, her positions with Extension in multiple states and at the USDA took her to those areas where she experienced life in all four geographic regions. She moved from living on a farm, to small towns, to …

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What happens if even the bronze plan under the Affordable Care Act (ACA) costs too much?

The Affordable Care Act mandates that most people are insured either through their place of employment or purchasing a policy on their own. Remember, beginning in October 2013 there will be options in every state for purchasing insurance through a state-wide Marketplace.

There are exemptions from that mandate for several reasons including financial hardship, which is an official definition based on income and family size. The good news is that, depending upon your income level, you may qualify for …

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Andrew B. Crocker

Andrew B. Crocker

As Extension Program Specialist III – Gerontology and Health, Andy Crocker’s focus is to support education and outreach regarding the health and well-being of the aging population in the State of Texas. His main role is to support the County Extension Agents for Family and Consumer Sciences in their outreach efforts to older adults, caregivers and the professionals who serve them.

Since joining AgriLife Extension in 2003, Mr. Crocker has worked to develop resources to help older adults improve their …

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Health Insurance FAQs

The Health Insurance Literacy ASK group provides answers to your questions about the Affordable Care Act to help you make smart health insurance choices and to plan your personal finances.

Here is a collection of the most common questions. If you can’t find the answer to your question among the list, you can search for additional information using the search box at the top of the page or submit your own personal question to our Ask an Expert Feature. …

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How do I take on a new cost for health insurance when I can barely pay my bills now?

A spending plan is just exactly that, a plan for how you will spend all the dollars your earn and those given to you (including, hopefully, directing some to savings). To make a change in your spending plan such as adding in health insurance costs or taking on a new car payment, it helps to be as inclusive as possible when calculating all of your monthly expenses. In other words, don’t write in only the premium cost, but include some …

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Are all hospitals supposed to accept any or all insurance?

In the past, each hospital has been able to select which insurance plans it will accept. This could mean that if you got sick or injured while traveling, for example, and you had to visit an emergency room that you may have had to pay entirely out of pocket for care provided at that distant hospital if they “didn’t take your insurance.”

This will no longer happen to a large degree. All Marketplace plans will offer the same set of …

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What do EPO, PPO and POS mean?

In the world of health insurance, there are separate and distinct types of insurance plans. In general, the three types of plans are Exclusive Provider (EPO) network, Preferred Provider (PPO) network, and Point of Service (POS) network. These plans differ by cost and types of coverage provided.

The Exclusive Provider network or EPO is a managed care plan where services are covered only if you go to doctors, specialists, or hospitals in the plan’s network (except in an emergency). This …

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What is the difference between a premium, a co-pay and and out-of-pocket expense?

Health Insurance Plan costs can be broken into two categories: cost of having the plan and costs of using the plan. In order to purchase and continue to have health insurance coverage, you have to pay a premium. The premium is paid on a regular basis such as a certain amount monthly, quarterly or yearly. It is typical that when purchased through your employer, the plan premium is deducted from each paycheck. Basically, the premium buys you the health …

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