The couple had health insurance, the man said in his letter, but they were being denied the coverage for a surgery the doctors said was necessary for his wife to survive. He was desperate. What was he supposed to do? How would he get his wife the care she needed if the insurance they bought to protect them in just these circumstances wouldn’t pay for her medical care?’
We can treat and manage illnesses today that years ago would have killed us. But without the ability to pay for care, and a traveler’s guide of sorts to help us navigate the fragmented American healthcare system, all the medical advances can’t help us. In the United States of America, healthcare and money are inextricably linked.
Getting and paying for healthcare for so many people in this country feels like a game they’re forced to play without being given access to the rule book. But our health and our financial security are no game, and they’re no laughing matter. Understanding how the system operates, how to get the care you need, and knowing what your insurance policy will or won’t pay for are critical to both your physical and financial health.
Healthcare, Insurance, and You simplifies the many confusing details about the new healthcare law and our healthcare system so you can make informed decisions and protect yourself and your family.
This book has been written as a guide that explains the main challenges you’re likely to face when trying to understand the impact that the Affordable Care Act will have on your health insurance benefits and how to get excellent healthcare: choosing the best insurance policy for your situation, buying prescription drugs the least expensive way, picking out the right Medicare plan, or fighting for your rights when dealing with insurers or medical providers.
Reading this book will give you answers to the following questions:
- How does the Affordable Care Act impact my own and my family’s healthcare and finances?
- How can I take advantage of the new health insurance marketplaces and tax credits?
- How do I choose a health plan that best meets my medical and financial needs?
- How do I fight billing errors and denied claims, and know where to turn for help when I need it?
- How can I avoid common mistakes that can cost me big—or even put me into bankruptcy?
- How will health reform affect my business?
- Will health reform reduce my healthcare costs?
Armed with information about how to initiate an expedited appeal the man whose wife was diagnosed with stomach cancer was able to get the insurer to reverse its initial decision and his wife got the surgery she needed. I know of so many other situations in which applying pressure at just the right points achieved results, in some cases, as in this one, saving a person’s life.
Healthcare, Insurance, and You: The Savvy Consumer’s Guide will show you those leverage points to help you get the best healthcare possible. This book is ultimately about empowering you to take charge of your health and your finances.