The New Health Insurance Solution: How to Get Cheaper, ... (ISBN 0470040211)

Must-have for RVers:
This book is a must-have for people who are thinking about or planning to travel full-time in an RV who are not yet eligible for Medicare. The New Health Care Solution walks you through the process of selecting health insurance. Since full-time RVers can choose a new domicile, the charts in Appendix A will help you make that decision, expecially if you have a preexisting condition. There is a lot of information packed in this book. It is great to have it all in one reference book. In addition to explaining the laws relating to COBRA, HIPPA and Medicare (plus loopholes you can take advantage of), he covers ways to reduce your costs and find low-cost health care and prescription drugs. For those who have no health insurance or a high deductible, this can make a significant difference. It is definitely a keeper.

Turned a complicated issue into something understandable:
The book did a great job walking through the complicated maze (or land mine) of finding health insurance. After 16 years on Wall Street I left my firm recently and not sure if I'll go back to a big company. The book helped explain what to do and not to do in finding my own family policy. The three biggest insights I gleaned were: 1) work with a broker who can tell you in advance if your application might be denied (you don't want this on your permanent record); 2) opening an HSA could save over $2K/year in taxes; and 3) don't use the funds in your HSA for medical expenses until you retire (because the investment builds tax free). I almost didn't buy the book when I read the Amazon review that questioned the author's credentials but after reading the book it's more about simplifying a complicated issue than having experience selling insurance. I'd highly recommend this book to anyone who is leaving corporate America to either retire early or become their own boss.

Please! Read this book BEFORE medical testing/dianoses and if self-employed!!!!:
You must read this book - there are so many fantastic tips for attaining your own health insurance. Do NOT willy-nilly just apply for a policy WITHOUT first reading this book!!!! If you are denied, ridered or pro-rated - you will pay DEARLY for the rest of your life. It sucks, but it's true. One incredible tip of the book is to apply to MORE than one company/policy at the same time and watch/wait like a hawk.... We just did. My husband was denied coverage to one company, but the other accepted us. No need to say we'd been denied coverage - a huge flag for further denials and prorating. Of course, we'll now need to hold the coverage forever. But it's reasonable, high deductible plan that is all we need anyway - unless a huge emergency or illness hits... then we have a 5 million outofpocket max. I NEVER would have thought to do this or many of the other things in this book without reading it first. Anyway - please read this NOW - and get your health insurance figured out for the long-term BEFORE getting a "bad" diagnosis, treatment or heck - even a dump prescription med - that will ruin your insurance possibilities forever!!! PS - just having a high deductible plan of any kind usually lowers your actual charges from a hospital or office by 50% or more!!! (Disgusting if you ask me! - Charging the uninsured MORE than you'd accept from an insurance company! And they wonder why healthcare and insurance costs are so outta control...? Greed on both sides is gonna send us into pathetic govt run healthcare.) Hospitals and offices usually don't / can't charge interest and can get you on a payment plan after you negotiate them down even further. Also - order prescription drugs from canada. Prescription coverage is usually soooo not worth the money - and will put you at risk for denial of a policy if it covers your drugs. They are the same drugs and again - less than 50% the price in the U.S. Thank you for writing this book!!! PS - unless you have an uninsurable condition or are/will become pregnant or anticipate a surgery, COBRA is a ripoff. Keep it only till you get your own policy.

Permanent Insurance:
Best book on Health insurance solutions I have ever read and I am an insurance agent who reads a lot. Mr Pilzer has his hands around the problem. If we would all move to his solution, we would dramatically reduce health care expenditures and provide employees with real insurance coverage that goes with them when they leave an employer.

An option of choices:
An option of choices and solutions to finding health coverage. Easy to read and understand.