1. Why is insurance so complicated? Can the process be simplified?
2. Review a health insurance policy. What's covered? What's not covered? Do you understand the terms and conditions of the policy?
3. Refer to the profile at the beginning of the chapter. What are the pros and cons of using a health savings account for yourself? Would you save money on health insurance? In what ways would you be motivated to reduce your health care costs?
4. Does the requirement of referral from the primary care physician keep costs down?
5. Some people feel that quality of care is compromised in the third-party payment system. What do you think?
6. Federal law now requires that almost all Americans have health insurance. How has this new law impacted you, your family, and/or your employer?