Navigating health insurance after graduation: Advice for the Class of 2013

The big news in the Schick family earlier this month…my son’s graduation from Randolph-Macon College in Ashland, VA – my alma mater! The commencement was beautiful and the speaker, Katie Couric, bestowed her wisdom and life advice on the graduates, and got me thinking about advice in general.



The Schick family with the president of Randolph-Macon College, Robert Lindgren

I had the opportunity to spend a few minutes with the commencement speaker, Katie Couric

One piece of advice that recent college grads must consider has to do with health insurance.  Some lucky graduates have jobs lined up with health benefits.  God bless ’em.  My son is not one of the lucky few.  So as he begins his search, he, like many others, may have to stay on our family health plan until he lands a job.

But many grads may go uninsured.  In fact, the U.S. Census measures that nearly three in ten people age 19 to 35 are uninsured, the highest proportion among all groups.

Statistically speaking, people in the 19-35 age group are typically fairly healthy. But nobody is free from the risk of being in an accident or developing a disease, and it’s important that young adults make smart decisions to protect their future health and finances.

So, here’s my advice:

•  Don’t risk going uninsured. If you are eligible, consider staying on your parents’ health insurance plan until you turn 26.  Buying your own individual coverage, however, may actually be more affordable, so be sure to compare the cost.
•  If you decide to buy your own coverage, make sure to include all health costs when determining how much you can afford, including monthly premiums and any out-of-pocket costs for health care services and prescriptions.
•  Ask questions. Solicit parents’ and family members’ advice, check out reputable insurance company websites or visit with a local independent insurance broker to learn the basics about health insurance.
• Consider a high deductible health plan. For many young, healthy people, high deductible plans make sense because they provide quality coverage at lower premium rates.
• Consider short term health insurance plans that can offer you temporary coverage for the remainder of 2013. Be sure to find a plan that lets you drop your coverage without penalty if you find a job with employer-sponsored health insurance benefits in the meantime.
• Do your homework.  Check out this video for more information http://www.youtube.com/watch?v=QalUZsnkPDc

While you may or may not follow my advice on this one, when I asked my UHC team about the power of really good advice, an interesting theme emerged; most people, even young people, are inspired by advice that calls them to action, pushes them to get results and move forward without regrets. 




My husband and son (front left) walk with other parents and students as students prepare to receive their degree.

 

My son, Andy, says the job market is really tough. But, he has a final interview this week so he may have a full-time gig soon…can you say “proud Mom”?

Congratulations class of 2013!

Defined contribution health plans come to companies with 51-99 employees

The hottest thing in health insurance—the defined contribution plan—is now available to organizations with 51-99 employees in Pennsylvania and other states across the country.

Last year UnitedHealthcare was the first health insurer to begin offering defined contribution health plans to Pennsylvania employers with 50 or fewer employees. Effective June 1st, we expanded our offering to include Pennsylvania groups with 51-99 employees.

The plan, called Multi-Choice, includes access to UnitedHealthcare’s strong national and local provider network which consists of over 33,000 providers, over 200 hospitals across the state of Pennsylvania and all hospitals in Western Pennsylvania including the University of Pittsburgh Medical Center facilities and West Penn Allegheny Health System. The newly expanded plan also includes additional broker distribution and the ability to add specialty benefits, such as dental, life and vision, to standard health plans.

With defined contribution health care, the employer gives employees a defined amount for the health benefit and a menu of many health care plans from which to choose. Depending on the plan selected, the employee will pay more or less of a premium. Many health insurers are going to the defined contribution model, because it gives employees more choice without raising the cost to employer.

The flexibility of this plan design makes offering health insurance more cost-effective and financially predictable. It also gives small businesses parity with their larger competitors when it comes to this important employee benefit, something they’ve never had before. In a defined contribution world, it’s easy for people to address the specific health needs of their family.

I’ve said it before, and I’ll say it over and over again, now more than ever, everyone involved in the health care industry has a vested interest in making our health care system simpler and smarter – allowing for a better patient experience, delivering the best possible outcome and reducing the overall costs of care. An innovative product like Multi-Choice is just one of the many ways we at UnitedHealthcare are doing our part.

 

 

Cycling clinic, kickboxing, cultural dancing – we did it all at our South Philly office

We Philadelphians love our bicycles.

In fact, a study from the Bicycle Coalition of Greater Philadelphia shows that Philadelphia has twice as many bicycle commuters per capita than any other big city in the U.S., and the number continues to grow.

At UnitedHealthcare, we love our bikes, too. We even sponsor a pro cycling team that competes worldwide. In fact, our team was in town for the Philly Cycling Classic on June 2nd and took time from their training schedule to conduct a cycling clinic for over 40 kids at our South Philly office.

Pro cyclists Jeff Louder and Danny Summerhill talked about how to eat, train and ride like a professional cyclist. The program was geared toward students from the World Communications Charter School, but contained great health and fitness education for the whole community. Both Jeff and Danny made it clear that you don’t have to aspire to be a professional to enjoy cycling, and everyone can see the benefits of good nutrition and regular exercise in their daily lives.

During the clinic, UnitedHealthcare and the cycling team were also proud to donate $1,000 to the Philadelphia Chinatown Development Corporation to purchase a stationary bike for community use.

UnitedHealthcare and their pro cycling team donated $1,000 to the Philadelphia Chinatown Development Corporation to invest in a stationary bicycle.  Left to right: UnitedHealthcare’s Angelica Cuellar Hardin; pro cyclist Jeff Louder; Lisa Wright; pro cyclist Danny Summerhill; and John W. Chin, executive director, Philadelphia Chinatown Development Corporation.

The cycling clinic was held at our retail office in South Philadelphia, which we opened last year to better serve the community on a face-to-face basis. The office offers information and assistance to anyone who wants to learn more about their health care options, and provides special service to the unique health care needs of people of diverse cultural backgrounds, including those that do not speak English.

The clinic coincided with the one-year anniversary celebration of the office opening. In addition to the cycling clinic, the day was filled with fitness activities like kickboxing, zumba and line dancing, as well as cultural performances, such as hip-hop dancing, salsa dancing by George Dennis of Mambodelphia, and the Rejang and Randa Nabia Indonesian dances. Families also enjoyed fun activities such as face painting and Wii console gaming.

UnitedHealthcare mascot Health E. Hound cheered on dancers from a youth hip hop dance group.

After a great day of fitness tips and multicultural celebration, we had further reason to celebrate on Sunday when a member of UnitedHealthcare’s pro cycling team, Kiel Reijnen, won the Philly Cycling Classic. Kiel finished the 120-mile race in only 4 hours, 35 minutes, and 34 seconds. I’m very proud of Kiel and the entire UnitedHealthcare cycling team for such a great win in my hometown!

Philadelphia employers make employee wellness fun

If you peek in the offices at Fox Rothschild during lunch, you might see people doing yoga or participating in Salad Bowl Wednesday, when the office supplies the greens, and employees bring in favorite toppings.

At American Heritage Federal Credit Union, employees might think twice about what’s in their lunch box if they’re competing against their coworkers to win the “Losers R Winners” competition.

And those employees eating at their desks at Bentley Systems won’t suffer the ill effects of prolonged sitting, thanks to flexible new sit-stand desks.

These are just some of the innovative initiatives Philadelphia companies have taken to keep their employees healthy.  In partnership with the Philadelphia Business Journal, UnitedHealthcare invited employers, large and small, to tell us about their wellness initiatives.  We received over seventy nominations for the Healthiest Employer Award and we learned a lot about the healthiest employers in Philadelphia.

As it turns out, almost all of the companies advocating workplace wellness have a few things in common.  The companies that focus on wellness have healthier employees, increased productivity, reduced costs and a healthier bottom line. Most of the wellness programs these companies use are based on sound principles.

Senior level support and involvement was critical to helping employees understand that wellness was a high priority in the organization’s strategic plan.  Executives tried to  create a culture of wellness with such activities and programs as promoting stair use, encouraging a smoke-free workplace and making vending machine snacks healthier.

Smaller companies stressing workplace wellness tend to have a wellness coordinator, while larger companies put a committee in charge of wellness.

The healthiest employers in Philadelphia are also among the smartest.  They used data from health assessments, claim reports and employee surveys to help identify and understand the needs of their employees.  Then they created a wellness program that best augmented their existing benefits package.

Finally, and here’s where the fun began, they came up with innovative programs that generated excitement about wellness in the workplace.  But don’t take my word for it, go to  http://www.bizjournals.com/philadelphia/feature/healthiest-employers-2013.html and check out these Philadelphia companies who are making the health of their employees a top priority.  It doesn’t get much healthier than that!

$5,000 Grants Help Children Get the Care they Need

Four-year-old Alexander could hear the sounds. He could see the way the lips of others moved and he understood everything he needed to do to say the words. But his mouth and tongue didn’t seem to work and no one could understand what he said. It was frustrating for this happy and sociable pre-schooler, and even more frustrating for his parents who were running out of money to pay for the therapy he needed.

It’s called Apraxia of speech, and the special speech therapy needed to help Alexander and other children with this physical disability to overcome it is usually not covered by health insurance.

Luckily, Alexander’s mom, found out about the UnitedHealthcare Children’s Foundation (UHCCF) from a friend she saw at a business conference. Alexander's mom applied for and was awarded a grant.

Alexander’s grant paid for intensive speech therapy sessions with a licensed speech therapist.  Alexander improved rapidly and his mom reports that she now understands nearly 50 percent of what he says, whereas it used to be only about 20 percent.

UHCCF awards grants of up to $5,000 to families nationwide to help pay the cost of their children’s health care treatments, medical services and equipment not covered or fully covered by their commercial health insurance such as physical, occupational and speech therapy, counseling services, surgeries, prescriptions, wheelchairs, orthotics, eyeglasses and hearing aids. UHCCF grants are available throughout the year for families with children aged 16 and under.

 To be eligible for a grant, your child must be 16 years of age or younger. In addition your family must meet economic guidelines; you must reside in the United States and have a commercial health insurance plan. Grants are available for medical expenses you have incurred for your child 60 days prior to the date of application as well as for ongoing and future medical needs. A parent or legal guardian may apply for grants at www.uhccf.org, and there is no application deadline.

In 2012, UHCCF awarded more than 1,300 grants, worth more than $4.1 million, to families across the United States for treatments associated with medical conditions such as cancer, spina bifida, muscular dystrophy, diabetes, hearing loss, autism, cystic fibrosis, Down syndrome, ADHD and cerebral palsy. Parents or legal guardians may apply for grants at www.uhccf.org

Pink never looked so good

Almost everybody has a breast cancer story.  “My mom had it,” “my sister has it,” “my wife had it,” “I have it.”  As I look at the 30,000 people gathered in photos and videos of the Susan G. Komen Race for the Cure in Philadelphia this Mother’s Day, I’m reminded of just how many people have been touched by the disease.

But what really stands out is the number of pink t-shirts, which are worn by the survivors.  Every year, there are more pink t-shirts at the race, and an increasing number of breast cancer stories end with “but now she’s five years cancer-free,” “ten years cancer-free” or “twenty years cancer-free.”

Breast cancer survivors and supporters at Susan G. Komen's Race for the Cure
 Mother's Day, Philadelphia.

And not only are many, many more women breast cancer free, but because of organizations like Susan G. Komen that support breast cancer research, a diagnosis of breast cancer is no longer a death sentence.  In fact, 90 percent of people with breast cancer will survive for at least five years after they are diagnosed.  When the cancer is detected early, the five-year survival rate is 99 percent.

I have been personally involved with Susan G. Komen for the Cure in Philadelphia for several years, and I am so pleased that my employer, UnitedHealthcare, supports the organization.  At this year’s race, UnitedHealthcare sponsored two events.

The first was Children’s Fun Fest, a place for families to gather and enjoy magicians, clowns, music and games.

The second event was one that we launched last year, the UnitedHealthcare Children’s Dash to Make a Difference for kids between ages three and twelve.  “The Dash” was created to help young children take part in making a difference.  No matter their age or the distance they walk or run, “The Dash” teaches a child that they, too, play a part in the fight against breast cancer, and encourages them to grow into adults who will continue the fight against the disease.

This year’s “Dash” leader was Michelle Goglia, vice president of sales at UnitedHealthcare. Michelle and many other UnitedHealthcare employees took part in the day’s activities including holding “The Dash” finish line tape.  According to Michelle, watching this very special group of breast cancer fighters who were there for their moms, neighbors, teachers, aunts and grandmas was like watching the next generation of cancer researchers dash towards a cancer free future.

JDRF Promise Ball showed delicate balance of life with diabetes

“Both children and adults like me who live with type 1 diabetes need to be mathematicians, physicians, personal trainers and dieticians all rolled into one. We need to be constantly factoring and adjusting, making frequent finger sticks to check blood sugars, and giving ourselves multiple daily insulin injections just to stay alive.”

- JDRF International Chairman Mary Tyler Moore

Although I have worked with JDRF for several years, attending the JDRF Promise Ball last weekend really heightened my awareness of just how difficult it is to live with type 1 diabetes. For these people, many of them children, staying healthy means maintaining a difficult and fragile balance – almost like working with glass.

Glass sculptures played a big role in this year’s Promise Ball, in addition to the fun Beatles theme. A stunning glass sculpture by glass artist Andy Paiko was specially designed for the live auction at the Ball to raise money for diabetes research.

Titled “Ladder to Light,” the sculpture conveyed the ups and downs of type 1 diabetes as voiced by the diabetes community. Diabetics, their families and their friends shared powerful words about diabetes with Paiko, who translated the emotions into glass. According to Andy, the words told him of darkness, but also of personal growth and the abundant strength that comes from managing diabetes.

Andy’s piece was beautiful and incredibly moving. But it was another glass sculpture that truly took my breath away.

As this year’s JDRF honoree, along with my company, UnitedHealthcare, I was humbled when to my surprise I was presented with a glass sculpture of my own, inspired by Andy’s work and created by diabetic children involved with JDRF. It turns out that the kids had spent an afternoon at East Falls Glassworks to learn about working with glass and worked together to make the sculpture for me.

The glass sculpture was a beautiful way to represent the delicate balance of life with diabetes, and I’m honored that the kids took the time to create the sculpture for me.

The hopeful note that was captured in both glass sculptures reminded me of just how much these people are relying on scientific research to help them live healthier lives. And despite the evening’s celebration of the scientific advances into the causes, treatment and possible cures for diabetes that were made in 2012 with the support of JDRF, there is still much work ahead of us. We’ve got to keep on going, until we find a cure!

JDRF ambassaors present Sue Schick with "balance of life" scupture at 2013 Promise Ball