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Don’t Buy THAT Health Insurance: Become an Educated Health Care Consumer
Book Contents

Becoming an Educated Health Insurance Consumer Book Contents

A Call to Action: The Business Consumer and the Individual Consumer

  • Introduction: Why You Need to Read This Book
  • Issues and Solutions: Don’t Gamble with Your Health Insurance

Chapter 1: You Are Not the Beneficiary of Your Health Insurance

  • Insurance Fraud Launched “Coordinated Benefits”
  • Health Insurance Companies Consider Paying a Claim as a Loss of Income
  • The Answer to Why Your Health Insurance Rates Keep Increasing

Chapter 2: A Brief History of Health Insurance: The Birth of Your Financial Burden

  • In the Beginning, Health Insurance Was Not-for-Profit
  • Health Insurance as Compensation in Lieu of Wages
  • Employers Get a Tax Advantage in Return for Offering
  • Health Care Benefits
  • The Birth of Your Financial Burden: Catastrophic and Maintenance Coverage Combine
  • It’s Hard to Care Because You Are Blinded to the Cost
  • “Cost Shifting”: You Pay for Both the Premium and the Benefit
  • Posting Insurance Policies Online is No Substitute for Getting and Reading Your Policy in Writing
  • Transparency Through Standardization
  • Education is Voluntary, but Participation is Mandatory

Chapter 3: What’s the Big Secret?

  • No One is Policing the Profit-Oriented Health Insurance System
  • You Must Care and How You Can Effect Change

Chapter 4: When Did a Checkup Become a Financial Disaster?

  • Indemnify Against Disaster with an Indemnity Policy
  • The Difference Between “Managed Care” Contracts and Indemnity Policies
  • “I Didn’t See the Doctor at All Last Year: Why Should I Pay as Much as Someone Who Is at the Doctor’s All the Time?”
  • HMOs: The Monster That Ate Health Care
  • Free Market Economy Be Dammed; You Are Being Railroaded
  • Why Can’t You See the Doctors You Know and Want to See
  • The Educated Consumer Chooses the Doctor

Chapter 5: What the Health Insurance Companies Are Hiding: The Need for Transparency

  • How Much of Your Premium Goes to Administrative Overhead
  • Other Than the Health Insurance Industry, Can You
  • Name Any Other Industry When Invoices Are Issued with No Idea of What Will Be Paid?
  • Without an Audit, the Data Provided by the Health Insurance Industry Must Be Assumed to Be Bogus
  • How Do Managed Care Companies Compensate Contracted Doctors?
  • How Do Health Insurance Companies Compensate Their Top Executives?
  • Annual Compensation of Health Insurance Company Executives (2006 and 2007 Figures)

Chapter 6: Health Insurance is a Gamble: Wouldn’t You Rather Be the Casino?

  • How Much Does the Average Consumer Spend on Health Care
  • Deductibles: There Must Be a Reasonable Out-of-Pocket Risk or It Isn’t Insurance Anymore
  • What Are the Affordable Alternatives to Going Naked?

Chapter 7: How Health Insurance Companies Use Fear to Manipulate Your Decision Making

  • How Can the Average Person Know What Information Is Coming from Corporate Spin and What Information Is Real?
  • The Alphabet Soup of Health Insurance
  • Using Language Against You
  • What To Do When Your Doctor Does Not Accept Your Plan
  • Downgrade to an HMO: When Did Paying Less for Better Coverage Become a Downgrade?

Chapter 8: Insurance Agents: Your Ally or Your Enemy—Your Choice

Chapter 9: Voluntary Benefits: A Misnomer

  • Disability Insurance Protects You Against the Loss of Your Income
  • Other Sources of Income That Protect Your Assets When Illness or Accidents Happen

Chapter 10: Managing Predictable Costs

  • Dental Plans
  • Prescription Plans
  • Vision Plans

Chapter 11: Managing Seemingly Unmanageable Costs

  • What Happens If You Can’t Pay Your Medical Bills Immediately?
  • How You Are Conditioned by the Health Insurance Industry
  • You Are Manipulated into Buying More Health Insurance Than You Need

Chapter 12: Conclusion: The Power of the Educated Consumer

Chapter 13: The Workbook

  • Consumer-Driven Health Care: Why Do I Want to Pay for High-Deductible Health Insurance?
  • Answering the Naysayers
  • Examples to Frame Your Thinking for the Work Sheets
  • Your Needs and Your Background Research
  • Questions to Ask of Your Employer(s)
  • Health Insurance Plan Options
  • Dental Plan Options
  • Prescription Cost Comparison
  • Voluntary Benefit Costs and Options
  • Predictable Cost Management Summary

Suggested Reading

Glossary

Endnotes

We love what we do! If you’d like to learn about Health Care Insurance Education and how we can transform how you feel about insurance, we’d love to hear from you!

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Katherine Woodfield, MBA

Katherine Woodfield, MBA
Author, Broker, 20 year veteran of the Health Care Industry and Author of “Don’t Buy THAT Health Insurance: Become an Educated Health Care Consumer

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