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Making Sense of Health Insurance

If you have ever been sick or injured, you know how important it is to have coverage. But if youíre confused about what kind is best for you, youíre not alone.

What types of coverage are available? If your employer offers you a choice of plans, what should you know before making a decision? In addition to coverage for medical expenses, do you need some other kind of insurance? What if you are too ill to work? Or, if you are over 65,will Medicare pay for all your medical expenses?

These are questions that todayís consumers are asking; and these questions arenít necessarily easy to answer.

The booklet, Insurance Basics, should help. It discusses the basic forms of coverage and includes a checklist to help you compare plans. It answers some commonly asked questions and also includes thumbnail descriptions of other forms of insurance, including hospital-surgical policies, specified disease policies, catastrophic coverage, hospital indemnity insurance, and disability, long-term care, and Medicare supplement insurance.

While we know that our guide canít answer all your questions, we think it will help you make the right decisions for yourself, your family, and even your business.

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