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Table 2 HIAYA CHAT intervention modules to improve health insurance literacy

From: HIAYA CHAT study protocol: a randomized controlled trial of a health insurance education intervention for newly diagnosed adolescent and young adult cancer patients

Session 1: insurance terms and concepts

 Informational: define and explain basic insurance terms, concepts, and insurance types

 Assessment: participant’s understanding of financial concepts related to cancer care

 Overcoming barriers: reviewing current copay, deductible, and out-of-pocket maximum

 Resource provision: guidance on how health insurance works within the medical realm

Session 2: your health insurance plan

 Informational: learning about one’s own plan and benefits policies

 Assessment: utilizing one’s plan, accessing benefits, and navigating resources

 Overcoming barriers: exploring what one is entitled to in a plan and how to optimize benefits

 Resource provision: worksheet called “Know Your Health Insurance”

Session 3: healthcare laws and appeals

 Informational: learning about healthcare laws (ACA, COBRA, ADA, FMLA) and the appeals process

 Assessment: utilizing health insurance law protections

 Assessment: utilizing internal and external appeals process

 Overcoming barriers: exploring when and how to appeal a health insurance claim

 Resource provision: connecting with triage cancer information and patient advocacy foundations

Session 4: cost controlling strategies

 Informational: understanding other cost-sharing mechanisms

 Assessment: participant’s understanding of financial concepts related to cancer care

 Assessment: estimating the costs of obtaining a needed service

 Overcoming barriers: strategies for decreasing out-of-pocket costs

 Overcoming barriers: options to pursue if a needed service, medication, or provider is not covered by insurance (e.g., financial counselors), difficult to access, or cost prohibitive

 Overcoming barriers: promoting communication with medical providers about costs

 Resource provision: connecting with state or health plan-based price transparency resources