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