Healthcare, Insurance, and You: The Savvy Consumer’s Guide by Lisa Zamosky PDF

By Lisa Zamosky

Healthcare is altering and also you want to know how—and what to do approximately it.

Getting stable treatment shouldn’t be so confusing—or so costly. Healthcare, assurance, and You simplifies the numerous complicated information about our healthcare approach so that you could make knowledgeable judgements. consequence? higher well-being at reduce cost. 

With the arrival of healthcare reform, issues are changing—especially by way of insurance. Most humans will now need to purchase coverage. are you aware the place to get a coverage or what to appear for in a single? were you aware extra humans will now qualify at no cost or backed healthcare? no matter if you get assurance via paintings, you will face new offerings that you would greater comprehend to keep up your peace of brain. As this booklet indicates, the failure to appreciate how assurance and the healthcare approach paintings may have an important influence in your actual and monetary well-being.

Healthcare, assurance, and You is an easy-to-use advisor that explains the most demanding situations you face whilst attempting to get first-class healthcare: selecting the simplest insurance coverage to your state of affairs, discovering the appropriate health care professional or health center, procuring prescribed drugs the cheapest manner, opting for the proper Medicare plan, or battling on your rights whilst facing insurers or clinical companies. Healthcare, assurance, and You contains assistance, assets, and methods for navigating the healthcare approach and averting universal errors so that you can get the easiest healthcare for you, your loved ones, or your  organization with out breaking the bank. This publication indicates you:

  • How to settle on a overall healthiness plan that top meets your scientific and fiscal wishes, together with new suggestions lower than the reasonable Care Act
  • Ways to chop via crimson tape and fight billing blunders and declare denials
  • What businesses want to know approximately offering—or now not offering—insurance to staff 
  • How to devise forward for a incapacity or for end-of-life care  

Healthcare bills rank excessive at the checklist of cash issues americans have. And by way of getting nice healthcare for you and your loved ones and avoiding crippling clinical money owed, wisdom is energy. Healthcare, assurance, and You is a realistic advisor that explains the advanced healthcare method in undeniable language—and places the ability of excellent healthiness again on your arms.

What you’ll learn

  • The effect of the reasonable Care Act in your healthcare and your funds
  • How to make the most of new health insurance exchanges and tax credit 
  • How to settle on a future health plan that top meets your clinical and fiscal wishes
  • How to suggest for your self, struggle billing error and denied claims, and recognize the place to show for aid
  • How to settle on a physician and health center according to caliber, now not hype
  • How to prevent universal error that may expense you big--or even placed you into chapter 11
  • How well-being reform impacts companies and the way they could lessen healthcare charges

Who this ebook is for

shoppers of healthcare within the usa, together with either participants and small companies purchasing assurance for staff.

Table of Contents

  1. A New Healthcare approach
  2. Buying medical insurance by yourself
  3. Paying for medical insurance
  4. Health coverage at paintings
  5. Cutting scientific expenses
  6. Buying prescribed drugs
  7. You opposed to the Healthcare process
  8. Medicare
  9. Taking cost of Your Healthcare destiny
  10. Consumer information courses and country Departments of coverage
  11. Show description

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Extra resources for Healthcare, Insurance, and You: The Savvy Consumer’s Guide

Sample text

Org/privateinsurance/issue-brief/snapshots-a-comparison-of-the-availability-andcost-of-coverage-for-workers-in-small-firms-and-large-firms 1 52 Chapter 4 | Health Insurance at Work On the whole, the benefits for which employers now pay are fairly generous. The Kaiser Family Foundation reports that in 2012:3 • A typical business with fewer than 200 employees paid 65% of family premiums that averaged $15,253 annually. • Large employers with more than 200 employees paid 75% of a $15,980 family premium.

You don’t file taxes because your income falls below the threshold required to do so. • You are a member of certain religious sects or health care sharing ministries. • You are of Native American descent and are eligible for services through an Indian health care provider (your dependents are exempt as well). • You are incarcerated. • You are an undocumented immigrant. • You have less than a 3-month gap in your insurance coverage. • Your income is low and you live in a state that is not expanding its Medicaid program.

The penalty is increased each year by the growth in insurance premiums. Yes Does the employer offer coverage to its workers? No Did at least one employee receive a premium tax credit or cost sharing subsidy in an Exchange? Yes Yes Does the insurance pay for at least 60% of covered health care expenses for a typical population? No Employees can choose to buy coverage in an Exchange and receive a premium tax credit. The employer must pay a penalty for not offering affordable coverage. 5% of family income for the employer coverage?

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