Here is a book that treats health insurance planning in a logical fashion. Basic health insurance, disability income insurance, and long-term care insurance are explained in understandable language. Illustrations provide true-to-life examples that will help readers protect their assets, shop for coverage, and intelligently evaluate their options. There is a good chapter explaining and distinguishing health maintenance organizations and preferred provider organizations and discussing whether or not to buy supplemental disability insurance. This coherent view of a complicated subject is therefore highly recommended for public library collections.-- Joan Pedzich, Harris, Beach & Wilcox, Rochester, N.Y.