A condensed version of the classic Fundamentals of Risk and Insurance, this accessible text contains the latest forms, statutes and court decisions and examines specific contracts in detail to emphasize insurance principles. Addresses such timely issues as the high cost of medical care and automobile insurance. detail to emphasize insurance principles. The helpful study aids and the critical essentials of risk management and insurance remain intact. A special section on buying insurance prepares the reader for future purchases.
Congress has seen a renewed interest in the market for private health insurance since the passage of the Patient Protection and Affordable Care Act (ACA). This book provides an overview of private-sector (as opposed to government-provided) health insurance. It serves as an introduction to health insurance from the point of view of many consumers under the age of 65. Furthermore, the book provides background information about modifying or building on the current health insurance system; discusses how understanding the potential impact of such proposals requires a working knowledge of how health insurance is provided, purchased, and regulated; and describes various ACA provisions that affect the private insurance market.
A comprehensive guide designed to help consumers understand the American health insurance system so that they can obtain the benefits to which they are entitled. Epstein explains the ins and outs of both new and traditional health insurance plans, including traditional individual and group policies, HMOs and other types of managed care plans, self-funded plans, Medicare, Medicare HMOs, Medigap, long-term care, COBRA, CHAMPUS, and Medical Savings Accounts.
Written by a nationally syndicated columnist, this useful volume also deals with special health insurance issues related to children, adults with special needs, and individuals who may need long-term care. In addition, Epstein provides valuable information for individuals who are in the process of changing jobs or making changes in their marital or family status, choosing a health insurance plan, or arranging long-term care-including placement in a nursing home or an assisted-living facility-for an aging parent. The book has a practical focus with a variety of tables and worksheets to help consumers establish a system for preventing health insurance problems, and for dealing with any health insurance problems that may arise. It also contains answers to common questions about health insurance, and provides a list of organizations that offer detailed information and advice in regard to specific health insurance problems.
Stroke is the commonest neurological disease in adults. It frequently results in serious morbidity and high mortality. It also has a significant impact on those who survive it and on their families, especially on their emotional wellbeing, personal social relationships and their ability to engage in gainful employment and to pursue leisure activities. The prognosis for survival and for functional recovery in stroke has improved in recent years thanks to the recent advances in the management of cerebrovascular disease. A vast amount of scientific data about all aspects of stroke has been publiished in recent years and it is important that this informatiion is available to busy clinicians in a concise and the clinically relevant form. The aim of this book is provide a short, yet comprehensive, and up to date guide to the management of stroke patients. It is hoped that medical students and health professionals who care for stroke patients will find the book a useful resource.
This book provides a much-needed analysis of this very important subject for international business lawyers, including discussion of the jurisdictional and choice of laws issues arising from cross-border contracts of insurance and reinsurance concluded by electronic means. This book is the first published in England to devote itself to a detailed analysis of the choice of laws rules in the E.C. Insurance Directives. It is aimed at academics and practitioners, at private international lawyers and at insurance lawyers. The private international law rules of the E.C. Insurance Directives deal with the applicable law to insurance contracts covering risks situated within the EU. They do not deal with the applicable law to reinsurance contracts and insurance contracts covering risks situated outside the EU. This should be ascertained by reference to the choice of laws provisions in the 1980 Rome Convention on the law applicable to contractual obligations. Detailed discussion of these rules is also provided, and proposals for reform suggested.