1. Seminar: Timely Topics for Today’s Business World Mr. Bernstein Health Care Insurance January 22, 2014

2. Health Insurance Plans Most people are part of a Group Plan, commonly through their employer Self-employed or otherwise uncovered persons may purchase Individual Health Insurance COBRA is a law enacted in 1986 which allows workers who lose their jobs to purchase Group Plan insurance through their former employer for a set amount of time 2 Seminar: Timely Topics for Today’s Business World Mr. Bernstein

3. Types of Health Insurance Coverage Basic Health Insurance Hospital Expense Surgical Expense Physician Expense Major Medical Coinsurance or deductibles Comprehensive Both Basic Health and Major Medical 3 Seminar: Timely Topics for Today’s Business World Mr. Bernstein

4. Other Health Insurance Policies Dental Expense Vision Care Long-Term Care Trip Accident* Dread Disease Policies* Supplemental * Discount Plans* * - not comprehensive insurance 4 Seminar: Timely Topics for Today’s Business World Mr. Bernstein

5. Health Care Providers HMOs (Health Maintenance Organization) Patients must be preapproved professionals PPOs (Preferred Provider Organization) May select “in-network” or more expensive “out- of-network” professionals 5 Seminar: Timely Topics for Today’s Business World Mr. Bernstein

6. Resource for Health Care Insurance information Provided by US Federal Government http://www.healthcare.gov/index.html Includes information on obtaining health insurance through government-run programs, including information on subsidies The website is run by the government, who has in interest in promoting their controversial entitlement program often referred to as “Obamacare”, so be sure to wear your critical thinker cap when reading 6 Seminar: Timely Topics for Today’s Business World Mr. Bernstein