Salt Lake City, Utah (PRWEB) January 30, 2015
In a new book, "The End of Employer-Provided Health Insurance: Why It’s Good for You, Your Family, and Your Company", co-authors Rick Lindquist and Paul Zane Pilzer help consumers dodge mistakes in purchasing individual health insurance policies - a common challenge for many of today’s consumers.
The purchase of health insurance can have serious implications for your well-being and your wallet, if approached with a lack of information. In addition, many consumers have shown to be intimidated when it comes to decisions regarding health insurance.
But, according to Lindquist, “Applying for individual health insurance has never been easier. Health insurance shouldn’t be something that consumers are nervous about. The ACA has made it relatively easy for anyone to purchase a plan. The key is determining which approach is best for you and your family.”
Since this is a new experience the authors recommend you ask yourself these three vital questions:
“Can I keep my same doctor?” Each health insurance plan has a network of providers, including hospitals, laboratories, doctors’ offices, imaging centers, and pharmacies.
“Which metallic level is really right for me?” As of 2014, individual health insurance plans are categorized in four standardized levels of coverage. In terms of monthly premium cost, from lowest to highest, they are bronze, silver, gold, and platinum. When you’re evaluating coverage,look both at premiums and out-of-pocket costs.
“What does the policy cover?” Due to the Affordable Care Act (ACA), all individual health insurance policies are required to cover ten essential health benefits:
Emergency services, hospitalization, laboratory tests, maternity and newborn care, mental health and substance abuse treatment, outpatient care, pediatric services (including dental and vision care), prescription drugs, preventive services and management of chronic diseases, rehabilitation services.
“By putting some thought into what your ideal individual health insurance policy should look like, you’ll make the process of shopping on the Marketplace easier and less confusing,” concludes Lindquist. “Moreover, you’ll ensure that you have the coverage you need at a price that fits your budget.
For more information visit: HealthInsuranceRevolution.org
About the Authors:
Paul Zane Pilzer is The New York Times best-selling author of 11 books, a former professor at NYU, and has served as an economist in two White House administrations. He is also the founder of six companies including the two largest U.S. suppliers of personalized employee health benefits, Extend Health (1999) and Zane Benefits (2006).
Rick Lindquist is president of Zane Benefits, Inc., the U.S. leader in individual health insurance reimbursement for small businesses. Zane Benefits’ software has been featured on the front page of The Wall Street Journal, USA Today, and The New York Times. He is a regular contributor to leading health benefits publications, including ClarifyingHealth.com.
About the Book:
The #1 Amazon best-selling The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans.
The End of Employer-Provided Health Insurance: Why It’s Good for You, Your Family, and Your Company (Wiley, 2014, ISBN: 978-1-119-01211-5, $25.00) is available at bookstores nationwide, from major online booksellers, and direct from the publisher by calling 800-225-5945. In Canada, call 800-567-4797. For more information, please visit the book’s page on http://www.wiley.com.
Founded in 1807, John Wiley & Sons, Inc., has been a valued source of information and understanding for 200 years, helping people around the world meet their needs and fulfill their aspirations. Wiley’s core business includes scientific, technical, and medical journals; encyclopedias, books, and online products and services; professional and consumer books and subscription services; and educational materials for undergraduate and graduate students and lifelong learners. Wiley’s global headquarters are located in Hoboken, New Jersey, with operations in the U.S., Europe, Asia, Canada, and Australia. The Company’s Web site can be accessed at http://www.wiley.com. The Company is listed on the New York Stock Exchange under the symbols JWa and JWb.