Get started. So thanks so much everybody for joining us today. I'm joined today by my colleague Lyn Abbass from Student Health Benefits. We're super excited to offer this presentation today and have a great conversation. So let's see here, let's go ahead and switch up the size a little bit here. Okay? So let's give a little bit of- let's do some introductions first. Let me let me backup. the trained just a little bit. So so my name is Kimberlee Swartz. Most people call me Kim I work at Cornell Career Services and I'm the associate director there and the manager of Employer Relations and professional readiness programs. And I'll let my colleague Lyn introduce herself. Hi. I'm Lyn Abbass  and I  work in the office of Student Health Benefits Predominantly, I work with the SHP+ program. So helping to navigate enrollment in Medicaid and the options on the student health plan+ But also with students who have  regular student health plan Hopefully, today we'll be able to give you some pointers and answers some questions regarding health insurance as You're looking at it after graduation. Perfect. Thanks. Lyn And if could recognize Jess Perlus is with us she's our interim Executive Director at Cornell Career Services. And we'll do a little bit deeper dive into the introduction, but we're very fortunate to have Dan Kuhr, class of 2013, join us today is our alumni guests. So welcome Dan. Thanks for having me. Pleasure to meet you all. I'm Dan Kurr? I studied Pam and graduated in 2013. I am now finishing up my Residency in   Obstetrics and Gynecology. And between having been a student and worked full time and getting married. I've been in a lot of different insurance scenarios, so hopefully I can share some personal- personal advice. Perfect. Sounds like you [audio muffled] I can tell it will be very helpful to the students. Thanks so much. All right, Well, let's, let's dig into a few slides here. So let's backup here. So this is if you haven't been to one of our career services presentations before, you may not have seen this what we refer to as a career development cycle. And we like to start our workshops with this model, which really does define the way we approach career support at Cornell University, or career development model is a circular process, as you can see by the picture here, it involves understanding yourself, exploring your options and taking action. And I think it's useful for you to know which section of the career development model you're in when you're engaging with us. So we have a lot of different folks on the- on the call today, on the webinar today. And you may see yourself in very different spots. not everybody will be in the same place in this model, just as in, you know, your understanding and consideration of health insurance options going forward. So hopefully we can help with some of that today. So an overview of today. So we're recording about the first 10 minutes, which is really Lyn and I offering you some terminology. So a glossary of health insurance terms, some health insurance considerations and a few tips from Career Services. And then we'll be stopping the recording as Dan shares his story with us and we entertain questions and answers. So everybody can feel really free to ask the questions that they'd like to ask and to share anything that they'd like to share. So we'll be turning the recording off once Dan begins to share his story. Let's see here. So I'm going to turn things over to Lyn and she's going to cover some of the different health insurance terms. Thank you Kim. So this is gonna be a really brief and short. But it's something, umm terms that you may have heard, you may have used, maybe somewhat familiar to you, but as you're considering different options that may be available to you, these are important terms to know and be aware of as you make those considerations. The first thing you may have heard, copayments and coinsurance. These are two ways that you actually are paying your portion of services for medical visits, medical procedures. A copayment is a fixed amount you pay. So for example, typically if you go to an office visit you will have a flat rate for this specific service or that visit that you're paying. On the Cornell student health plan. It's a twenty-five dollar office visit copayment, but it's a fixed amount versus co-insurance, which is a percentage of the cost of the health care service that you're receiving and you pay a percentage. And the health insurance plan pays a percentage. You often hear it an 820 plan, 7030 plan, that lets you know which percentage your paying for for those services? Typically, it's going to be for things like surgical procedures, diagnostic testing, but various services depending on the insurance plan, will have that co-insurance. And you can turn the next slide for me, Kim. Another important term is the Deductible. That's the amount that you're going to pay before the insurance company pays any cost or any payment for the plan. Deductible is going to vary depending on the individual plan that may be offered to you. And you may have a different deductible for in networked and out of network. And we'll get to those terms in just a minute. But you may have various deductibles depending on the options that are presented to you. The maximum out-of-pocket limit is the most amounts that you will pay, the maximum amount that you as an individual will have to pay for services. So on our current plan, the maximum out-of-pocket benefit for in-network services is $3 thousand. So once you pay $3 thousand for any co-payment, that co-insurance, pharmacy benefit after that, everything, the insurance plan pays a 100 percent. So for many of you, this was a really important number to know when you're planning what is going to be the most affordable for you. You'll also hear the term Premium. Premium is the annual amount you actually play for that insurance plan. It has nothing to do with your visit, or doctor visit. It's just the cost of that insurance. And I will address your questions as we- after we go through but let's address these terms first. And Kim, you can go to the next slide. In Network are providers that have an agreed upon contract with your insurance company. So typically, an In Network provider has an agreed-upon amount that they've already agreed to accept from your insurance company. So those rates are going to be less expensive for you. Out of network are if you have out-of-network benefits, it means you can still see a provider that doesn't have a contract with the insurance company, but you may have to pay a higher rate. So in network typically is the lower cost. But some insurance plans will not have any out-of-network benefits giving you a more limited choice. Go to the next slide. For some of you, you may find that you're in a bit of a holding pattern before you actually start working and you're off the student insurance plan or your parents plan. And you need to find the plan and insurance options before your employed. You'll hear the term marketplace. It is after the Affordable Care Act came into being we now actually have a nationwide plan, an option for you to find health care options for you. One is that healthcare.gov and that is going to provide you links to each state. These are state-by-state plan. In New York State It's the www.nystateofhealth.ny.gov And these will provide plans that are on a sliding scale, income wise. So depending on your income and the size of your household, that will also determine the cost of your insurance. So those are important things to know that if you don't have health insurance option with an employer or you're in that holding pattern. There is a place where you can find affordable health care for yourself. And there's some links there, if you need to, these slides will be available to you after the presentation. So you can certainly go back to look at them or use these references as well. Thanks Kim. So things that you may want to consider as you're looking at insurance options. First of all, it's very personal. You may- we all have- may have a different idea of what is the best insurance plan for us. One thing that you may want to consider is if you have a current health issue or current providers that you see for either a chronic illness or something that you're following. And you have a specific provider you'd like to continue seeing. You may want to check to see if they are listed in that In Network list of doctors because it will be less expensive for you. Another thing that you may want to consider is you're going to hear that different insurance plans may be calling themselves an HMO and EPO, a PPO. All of these are different types of plans. So you may have Blue Cross Blue Shield, but you may have a Blue Cross Blue Shield, HMO or EPO or PPO and they can still, all be a Blue Cross Blue Shield plan. One thing to be aware of is that in general, HMO and EPO plans have a more limited geographic area that they cover, as well as maybe a tighter network of providers. But they often have a less out-of-pocket cost for you. We are also seeing a lot more high deductible plans. And what that means is that you may have a larger amount of money that you have to pay out of pocket first before the insurance actually starts paying any of your covered benefits And that for someone who's very healthy and doesn't have a chronic illness that they're following. That might be an option that you want to consider because you do not want to have to pay a high monthly cost or bi-weekly cost out of  your paycheck. So just something to be thinking about. Next slide. Also, remember that not all insurance plans include dental and vision. So you want to look to see is that included or are their separate dental and vision options that are important to you that you may want to have. Also pharmacy benefits. If you're currently taking a medication, there is something called a pharmacy formulary that you're going to see with an insurance plan. And if you have a specific medication that you take regularly, you may want to check to see if it is listed in the formulary or list of participating or approved medications for each insurance plan. And it's one way that some insurance plans are attempting to save money. Is by limiting some of the options of medications that they cover. Another thing that you may want to consider is how is the premium going to behave. So the premium again is that annual amount for the insurance plan in general. Are you responsible for the entire amount? Will your employer be contributing? Is this taken directly out of your paycheck, is it bi-weekly, monthly. Those are all things that you may want to consider as you're looking at options for yourself. It's going to be very, very personal. I have two children who have just recently graduated and both of them when they were looking at their insurance options, one of them was only given one option by their employer and the other had three different options. And so for them it was really about looking at, and they're two very different, very different situation than what they wanted for health care. And health insurance was very different. So it really can be a very personal decision for you based on what's your current medical needs are and and and the cost, then obviously that's always going to be a consideration. So these are just some little things to be thinking about as you're looking at the options ahead of you. Thanks Kim Thanks Lyn. I saw that a couple of students put some questions in the chat box and I know that Lyn shared that we take Q&A later on. So if you do him a question, it's a great place to just type right into the chat box because we'll roll back through the chat chain and we'll find those questions and we'll answer them at the end of the presentation today. So while they're fresh in your mind, if you want to tuck them into the chat box, please feel free to do so. And we'll also entertain questions that you may just want to ask and not type into the chat box as we go through the presentation. So here's a few key points from the Career Services perspective. I mean, our offices end up being having conversations with students around potentially health insurance options. Oftentimes during the job offer process. So a typical job offer may also review the major benefit package or packages available to employees. And that's where  health insurance as part of the job offer as part of your benefits package, not your salary, but it's part of benefits which might include health insurance, life insurance, vacation or PTO, those types of things. But certainly health insurance is a big consideration because as Lyn was sharing, you know, the price point can sort of be all over the place, an out-of-pocket and those types of things. You will find that most job offers and most employers for that matter, will have probably only one choice for maybe two choices for health insurance options. It's also good to know that sometimes your job offer will come from someone who might be the hiring manager. And that person may or may not have an in-depth understanding of what the different health insurance options are going to be at the company. So if the- if human resources isn't the person you're interacting with, as you're deciding if you're going to accept the job offer or not and your hiring manager doesn't have in-depth knowledge of the benefits package to, you know, feel free to ask if you might speak with someone in human resources or in the benefits department so you can ask all the questions you might have because those are super important questions for you to ask as you consider your job offer. Yes, salary is important and so is location, and all of those things that we talk about. But health insurance, depending on your personal situation, can be super important to you as well. That is as Lyn is as chatted about earlier, remember that everyone's needs are different. You have to think about your personal circumstances, the medical history. And we have something called the Career Development Toolkit  with career services it's a Canvas course. And you'll find an entire module on job offer process and health benefit in the benefits package. And health insurance is a small piece of that module. And you can always make an appointment and come and see us and we can refer you to some folks who would have even additional knowledge beyond what our office might have.