The Health Insurance Dilemma: What You Don't Know About It Could Hurt You!

By Aaron Sinclare

Most people have never read past the first page of their health insurance policy. When changing plans, most people do so to reduce premiums. The main questions asked are "What is my deductible? and What are the premiums?"

"You're About To Discover Secrets That Most People Will Never Know About The Ins and Outs Of Health Insurance"

• Is government intervention in health insurance costing you more money?
• Do you have the right plan for you and your family?
• The differences between an HMO, PPO and Indemnity plans
• The hidden meaning behind the words
• Why shopping for the lowest premiums may not be in your best interest
• How geography may limit your coverage
• How The Health Insurance System Works
• The Basics Of Health Insurance
• The Types Of Plans Readily Available
• How Those Plans Differ In Coverage
• Why Shopping For The Lowest Premium May Not Be In Your Best Interest

You Will Also Learn:
• How To Determine The Amount Of Coverage You and Your Family Require
• How to Interpret What Your Plan Covers
• How To Accurately Compare Plans
• How You Can Maximize Coverage Of Employer Provided Health Plans
• The Pros and Cons Of Indemnity Plans, HMOs, and PPOs

And that's just a tiny sample!

Start down the road of discovery right now by downloading:
"The Health Insurance Dilemma: What You Don't Know About It Can Hurt You!"

• Language: English
• Publisher: Manifest Vision Publishing
• Release date: Mar 20, 2013
• ISBN: 9781882598021

Aaron Sinclare

While Mr. Sinclare has spent 40 years in sales, marketing, and research he is, at heart, a lifelong consumer advocate, student and teacher. His interest in Green Resources and Solar Power dates back over 30 years when he constructed from "off the self parts" a workable solar heater for the family swimming pool. His passion for the subjects never waned. During his time as an insurance representative, the topic of Health Insurance became extremely important. He worked with hundreds of people who were uninsured or terribly under insured. Most had extremely limited knowledge on the topic. Thus the continued education of his clients. Mr. Sinclare makes no claim that his books are the definitive treatise on the topic covered; they are not intended to be. The purpose of his books is to offer insight into the topic and through the Q and A process set you on the road to understanding the benefits to be derived. Mr. Sinclare's books present a compelling case for exploring, investigation, and discovery.

Book preview

The Health Insurance Dilemma:

What You Don’t Know About It

Could Hurt You!

Copyright 2011 - Aaron Sinclare

Smashwords Edition

LEGAL NOTICE: DISCLAIMER AND TERMS OF USE AGREEMENT:

All Right Reserved Aaron Sinclare ©Copyright 2011. All rights reserved, including the right to reproduce this book, or portions thereof, in any form. No part of this text may be reproduced, transmitted, downloaded, decompiled, reverse engineered, or stored, in any form or by any means, whether electronic or mechanical without the express written permission of the author. The scanning, uploading, and distribution of this book via the Internet or via any other means without the permission of the publisher is illegal and punishable by law. Please purchase only authorized electronic editions, and do not participate in or encourage electronic piracy of copyrighted materials.

DISCLAIMER: This author of this e-book makes no representation or guarantees with respect to the accuracy, applicability, fitness, or completeness of the contents of this material.

This publication was written to provide general information regarding the subject matter covered. However, rules, regulations, laws, practices and the interpretation of same often change or vary from state to state, region to region, and company to company. Because each situation is different, the reader is advised to consult with his or her own advisor regarding that individual’s specific situation. Neither the author nor the publisher assume any responsibility for any errors or omissions, nor do they represent or warrant that the information, ideas, plans, actions, suggestions, and methods of operation contained herein is in all cases accurate, appropriate, or legal. It is the reader’s responsibility to consult with his or her own advisor before putting any of the enclosed information, ideas, or practices into play. The author and the publisher specifically disclaim any liability resulting from the use or application of the information contained in this book, and the information is not intended to serve as legal advice related to individual situations. This book is a work of the author’s experience and opinion.

Published by: Manifest Vision Publishing - ISBN 978-1-882598-02-1

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Visit The Aaron Sinclare Private, Reader Only, Reports Page for your complimentary copies of Dental Plans: What You Should Know and The Health Insurance Workbook

Table of contents

Introduction – Do you know what your health plan covers?

Chapter 1 – History

Chapter 2 – Do You Really Need Health Insurance?

Chapter 3 – Types of Health Insurance Programs

Chapter 4 – The Meaning Behind The Words

Chapter 5 – Medicare

Chapter 6 – More Than Just Words

Chapter 7 – Health Savings Accounts

Chapter 8 – COBRA

Chapter 9 – Summary

Glossary

A personal message from the author

Introduction - Do you know what your health plan covers?

When I worked in the health insurance industry, I found that most people had no idea what was included or excluded in their policies. My goal, then, was to teach, as much as possible to, my clients, about various parts of their health plans and to give them the best program for their financial and social (family) situations.

I have made it my life goal to learn and to teach as much as possible. I take every situation whether it seems good or bad, at the time, and delve into it for something to learn and to teach. My career has allowed me to work with numerous people who care about those they serve. During that time, I learned that people have an insatiable appetite for information that would help them lead better lives. It further allowed me to help many people to discover the answers to the questions they knew they had and many they didn’t know at the time.

This book is meant to be an easy read with helpful information that, I hope, will give you insight to the health insurance industry and to help you discover what you need in health insurance coverage for you and your family.

Most people have never read past the first page of their policy; have you? Beyond the first page of the policy, most people have no idea what's covered and what's not. Do you know that not all health plans are the same when it comes to coverage? Do you know if your health plan has managed care provisions? Does your insurance company use Reasonable and Customary or Usual and Customary schedules when paying claims? Is your plan an HMO, a PPO, Basic Care or Managed Care plan?

People know more about the purchase of a car then they do about the coverage included in their health plan. A car is tangible. You can compare fuel economy, room, user surveys on comfort, and more. Health insurance falls into that ambiguous category of unknowns. Industry insiders put vague terms and phrases in policies so you can't figure them out.

When people change health plans, they usually do so to reduce premiums. All too often, they simply trust the agent to