Insurance Plans Perfect for Improving Health Literacy

8 –May20 – X Insurance Plans Perfect for Improving Health Literacy – Blog

Our previous post, 2 Health Insurance Policies Perfect for Retirement, focused on the two most important insurance policies you need to inquire and apply for to secure your future. Today, we’d like to discuss more about the importance of health literacy, particularly for baby boomers, and how these two insurance policies can help one improve on understanding medical instructions.

But why should we prioritize health literacy? As previously mentioned in our last article, over 77 million people in the country are facing some difficulty in comprehending medical instructions. And as such, this results in one being in situations where financial, emotional, and physical pain is apparent.

And this is why we are always pushing for awareness on this topic. Preparing for retirement is directly connected to one knowing more about the health industry. And we do hope that through our articles, we’d be able to reach out to you and other boomer readers on how to secure a brighter and better tomorrow.

Explaining the Importance of Health Literacy

Health literacy, as defined by the Patient Protection and Affordable Care Act of 2010, Title V, is the ability of a given individual to access, interpret, discuss, and comprehend basic health information, instructions, and services to make appropriate health decisions. As such, for individuals seeking to prepare for their retirement in an efficient manner, improving their health literacy and being able to act out on what’s needed in an appropriate manner are essential.

But how can one find out which literature will both help and educate them on the proper way to deal with health instructions or processes? The Centers for Disease Control and Prevention (CDC) suggests that individuals look out for these factors (otherwise known as the Three A’s):


Health information should contain factual data expressed in a precise and correct manner.


How health data can be accessed is a crucial factor. Consider how you were able to access the literature. Was it given to you through accessible channels (such as at work, in hospitals, or through your local government services)? Or for online searches, did the medical data sufficiently provided you the details (take note: health data online may be the most accessible – but take caution to reference the details you’ve searched with government or legitimate sites).


Lastly, adequate health information must also set and cite ways on how an individual can take action. Background information and details of a health procedure, medicine, and processes are great. But with no recommendations on how to deal or take action, then the information may just end up confusing the afflicted person.

How Medicare Supplements Will Help

Now, we’re onto more strategies to improve health literacy, mainly with Medicare Supplemental Insurance Plans (Medigap). Supplements for Medicare, which helps policyholders pay for out-of-pocket costs not covered by Original Medicare Plans, such as coinsurance fees, copayments, and deductibles, also offer an opportunity for a person to brush up their knowledge of medical terminology and procedures. Since the ten standardized plans of Medigap cater to different situations, inquiring about coverage effectively can also help applicants broaden their knowledge on how savings and health are related to each other.

How Long Term Care Insurance Will Help

The same applies with Long Term Care Insurance (LTCI). With long term care expected for individuals age 65 years and above, this insurance policy will help address the rising costs of care in the country. And the many forms of long term care, such as nursing home stays and adult day care center services, need to be fully understood for one to know which care is applicable for his or her preferences or needs. The learning opportunity of an LTCI also extends towards caregiving roles – particularly for family caregivers, on procedures and the like on how to watch over a loved one.

Nevertheless, for the two given insurance policies, health literacy skills can be boosted with the interaction one has with an insurance agent. Through these discussions, a boomer can find out more on how to prepare for their future.

We hope that you learned something new today. If you have any thoughts, suggestions, or ideas you’d like to share, please leave a comment below! We hope all the best for you.

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