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Why You Need to Stop What You’re Doing Right Now to Purchase Health Insurance
AND
How to Pick the Provider & Plan Best for You
Copyright © 2010 by Heather R. Huhman
Published by Come Recommended7707 White Cliff TerraceDerwood, MD 20855E‐mail:pr@comerecommended.com All rights reserved. No part of this book may be reproduced in any form or by anymeans without written permission from the author or publisher.Special thanks to the entire Come Recommended team, especiallyBeth Farrarforthe design work and Kristina Allen, Mollie Crist, Lindsay Elias, Tyrone Gayle, SarahMorgan and Sarah Tiambeng for the time they spent helping me research thise‐book.
by HEATHER R. HUHMAN
2
Why You Need to Stop What You’re Doing Right Now to Purchase Health Insurance
AND
How to Pick the Provider & Plan Best for You
TABLE OF CONTENTS
Introduction
5
-
20
The
Risks
of
Going
Without
Health
Insurance
Can’t I Still Receive Medical Care without Insurance?Can I Afford Health Insurance?Don’t Put Yourself at Risk
21
-
27
23‐2425‐2627
Know
Your
Rights
28
-
33
Th Option
e
Grad
School
The Fine Print Student Healthcare Clinic
34
-
36
34‐3536
Short
Term
Health
Insurance
I Graduated & Don’t Have a Job Yet. Now What?Quick TipsShop AroundBenefits of Short Term Health InsuranceCons of Short Term Health Insurance
37
-
43
37‐383939‐4141‐4343‐44
Long
Term
Health
Insurance
I Got a Job Offer, But Health Insurance is Not Included. Now What?Long Term Insurance
45
-
48
45‐4647‐48
Em sored
Healthcare
ployer
Spon
HMO vs. PPOHMO
49
-
51
49‐5150
by HEATHER R. HUHMAN
3
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