Get the facts you need to make the wisest choices for your health insurance coverage for 2020!

Learn about important options and changes in Medicare…in the Affordable Care Act…in employer-sponsored plans…and more!

In Navigating Health Insurance you’ll find...

✓	the employer plans that are growing in popularity—and why
✓	what to do before signing up for any Medicare Advantage Plan
✓	how ACA Silver and Gold plans compare for cost and coverage.
✓	ALERT: The plan that could cost you BIG if you go out-of-network
✓	the Medigap option that can save healthy seniors hundreds
✓	two “less taxing” ways to pay for long-term care insurance!
✓	the prospects for finally closing the Part D “donut hole."

Dear CERASALE,

No decision you make each year is more consequential than choosing your health insurance. The choices you make not only determine cost and coverage, but impact your options in doctors and facilities, in length of care, even in the medications you receive.

Before you sign up, download this fact-packed Harvard Medical School Guide!

You know your decision is important; we know it isn’t easy. Whether you’re choosing a Medicare plan, deciding on a level of service under ACA, or weighing your employer’s coverage options, you’re often dealing with unfamiliar terms and fine print.

Navigating Health Insurance explains the terms carefully and decodes the fine print clearly. This Harvard Medical School Guide is filled with essential and practical guidance that will let you confidently choose the plans that are the smartest choices for you and your family.

You’ll get answers to the questions you need to ask.

What’s the difference between co-pay and co-insurance? How do you calculate out-of-pocket costs? What is in-network? What’s covered in Part A...what’s not covered in Part B? Do you need Medigap? Is a Gold Plan really worth more than Silver? Should you choose a high-deductible plan? How long can you have COBRA? How do EPOs differ from HMOs? Navigating Health Insurance will tell you.

Our honesty will help you find the best policy!

Navigating Health Insurance has no other interest than yours. It is frank, impartial, and informative. From Harvard Medical School, the Guide draws upon the experience of both doctors and patients. It gives you the tools to compare plans fully. You’ll be alerted to common exclusions. And most important, you’ll be able to find the plan that fulfills your needs and fits your budget.

You’ll learn what to do if access to a wide range of providers is of importance to you. You’ll find how to lessen the risk of a high-deductible health plan. You’ll read how to transition from private insurance to Medicare…the policies with the most preventive services...how to cut drug costs...and more.

Don’t wait. Download your copy of Navigating Health Insurance now.