The New Health Insurance Solution : How to Get Cheaper, Better Coverage Without a Traditional Employer Plan
Get better, cheaper health insurance-NOW! Did you know you can save thousands of dollars a year on all your healthcare costs-without a traditional employer plan? The New Health Insurance Solution explains how. Plus, you'll learn why you should take your spouse and children off your employer health plan, how to use the new Health Savings Accounts (HSAs) to get a double tax break, how to cut prescription drugs costs by 50 percent or more, how to get health insurance between jobs, and how to get affordable healthcare for yourself or your parents in retirement. ""Americans can finally get affordable lifetime health insurance for themselves and their family. Pilzer's The New Health Insurance Solution shows you how every step of the way."" -Mark Victor Hansen, cocreator, #1 New York Times bestselling series Chicken Soup for the Soulr, and coauthor, The One Minute Millionaire ""Millions of entrepreneurs and small businesspeople think they can't afford health insurance. Now they can."" -Randy Fields, cofounder, Mrs.
Forty-five million Americans are without health insurance, mostly because they are unable to obtain it through employment and earn too much to qualify for Medicaid. Economist Pilzer (Other People's Money) asserts that most people-even those with coverage-would be better off buying their own policies than relying on their employers. He provides an overview of the health insurance industry and explains why coverage is so expensive for both employers and individuals. Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), indemnity plans, Exclusive Provider Organizations (EPOs), flexible savings accounts, health reimbursement arrangements, health savings accounts, state-guaranteed subsidized insurance, Medicaid, and medical discount cards are all defined with their advantages and disadvantages. Suggestions for choosing appropriate health insurance, including what to look for in a policy, are outlined; tips for maximizing benefits, especially in purchasing prescription drugs, are helpful. Chapters aimed specifically at employers address finding decent insurance for workers. Pilzer explains an incredibly complex subject well for the committed reader. Recommended.-Janet M. Schneider, James A. Haley Veterans' Hosp. Lib., Tampa (c) Copyright 2010. Library Journals LLC, a wholly owned subsidiary of Media Source, Inc. No redistribution permitted.
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January 02, 2007
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