Maximizing Your Health Insurance Benefits: A Consumer's Guide to New and Traditional Plans

Maximizing Your Health Insurance Benefits: A Consumer's Guide to New and Traditional Plans

by Richard Epstein
     
 

A comprehensive guide designed to help consumers understand the American health insurance system so that they can obtain the benefits to which they are entitled. Epstein explains the ins and outs of both new and traditional health insurance plans, including traditional individual and group policies, HMOs and other types of managed care plans, self-funded plans,

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Overview

A comprehensive guide designed to help consumers understand the American health insurance system so that they can obtain the benefits to which they are entitled. Epstein explains the ins and outs of both new and traditional health insurance plans, including traditional individual and group policies, HMOs and other types of managed care plans, self-funded plans, Medicare, Medicare HMOs, Medigap, long-term care, COBRA, CHAMPUS, and Medical Savings Accounts.

Written by a nationally syndicated columnist, this useful volume also deals with special health insurance issues related to children, adults with special needs, and individuals who may need long-term care. In addition, Epstein provides valuable information for individuals who are in the process of changing jobs or making changes in their marital or family status, choosing a health insurance plan, or arranging long-term care—including placement in a nursing home or an assisted-living facility—for an aging parent. The book has a practical focus with a variety of tables and worksheets to help consumers establish a system for preventing health insurance problems, and for dealing with any health insurance problems that may arise. It also contains answers to common questions about health insurance, and provides a list of organizations that offer detailed information and advice in regard to specific health insurance problems.

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Product Details

ISBN-13:
9780275955106
Publisher:
ABC-CLIO, Incorporated
Publication date:
09/30/1997
Pages:
224
Product dimensions:
6.00(w) x 9.00(h) x 0.63(d)

Table of Contents

Tables
Acknowledgments
Introduction1
Pt. IThe Basic Tools
1The Health Insurance Maze7
2Understanding the Language of Health Insurance21
3Developing a Systematic Approach to Dealing with Health Insurance Claims43
Pt. IIHealth Insurance Plans
4Traditional Individual and Group Plans, Doctors' Bills65
5Traditional Individual and Group Plans, Hospital Bills83
6Self-funded Plans93
7Managed Care Plans99
8CHAMPUS and Medical Savings Accounts109
Pt. IIIMedicare and Medicare-Related Programs
9Medicare113
10Medigap and Secondary Health Insurance Policies125
11Medicare HMOs133
Pt. IVSpecialized Situations
12Extending Coverage through COBRA, the Portability Act, and Conversion Options137
13Programs for Children and Adults with Disabilities and Special Health Care Needs145
14Coverage for Long-term Care159
Conclusion: The Future of Health Insurance in America173
App. ATen Frequently Asked Questions about Health Insurance177
App. BSources of Information and Advice on Specific Health Insurance Problems185
Glossary193
Index201

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