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.S. health care expendi-
tures are on the rise:
from $666.2 billion in
1990 to $736.5 billion in
1991 to $819.9 billion in 1992, ac-
cording to the Department of
Health and Human Services.
Those numbers are indeed
staggering. Most of us are equal-
ly aware of the growing drain on
our pocket books.
But we still have choices
among health care insurance poli-
cies that can reveal differences in
costs and coverage.
ance is one of the
could not obtain proper care be-
cause they lacked insurance cov-
Don't let such a disaster hap-
pen to you or your family. And be-
come an informed shopper of
insurance products to pick the
most affordable, best coverage for
Plan costs and benefits do vary.
The bottom line is different for
those who are single, elderly or a
couple with children. For exam-
ple, if your family includes only
two adults, it may be cheaper for
you to have individual coverage
than for one of you to have a fam-
ily plan. If you have children, you
need a family plan. Compare
Americans can make,"
says Dr. James Mason,
head of the Public Health Service
and Assistant Secretary for
Health at the U.S. Department
of Health at the best and Human
Services. "Unfortunately, finding
adequate coverage at the best
price is a complex process because
of the many options available."
To help Americans make the
right choice, HHS has published
a booklet, "Checkup on Health In-
surance Choices," that offers ba-
sic information about the three
major types of plans as well as
worksheets that may help you
identify your best buy.
While millions of Americans
carry no health insurance at all,
that can be a prescription for fi-
"You buy health insurance for
the same reason you buy other
kinds of insurance — to protect
yourself financially," says the
booklet. Stories of families whose
assets were wiped out by a med-
ical disaster are all too common,
as are those of individuals who
plans for both
cost and bene-
And remember this affordable
option: If you're getting health in-
surance just in case of disaster,
you might choose to save a great
deal on monthly premiums by ac-
cepting a higher deductible — in
some cases up to $2,000. The de-
ductible refers to the annual costs
you will be solely responsible for
before your insurance coverage
Most Americans receive health
insurance through their jobs. If
your employer has few employ-
ees, your choice may be limited
to a single plan. But employers
with 25 or more employees are
required by law to offer enroll-
ment in health-maintenance or-
ganization. In most every case,
the employer pays part or all of
the monthly premium for your
health insurance, which sub-
stantially reduces your cost com-
pared to covering yourself
CALL FOR AN APPOINTMENT
FOR YOUR FREE CONSULTATION
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At the Crittenton Weight Management
Center, we help you put an end to yo-yo
dieting. Our mission is to teach you
behavior modification skills to help
you establish and maintain a healthy
Our specialized treatment programs are provided by medical
experts, from Crittenton Hospital, who are dedicated to
helping people struggling with weight management.
For a free orientation, call (810) 652-5626.
Next time you feed your face, think about your heart.
Go easy on your heart and start cutting back on foods that are high in saturated
fat and cholesterol. The change'II do you good.
WERE FIGHTING FOR YOUR LIFE
American Heart Association
FINDING THE BEST page 24