Author: Ken LaPensee MPH, PhD

Moms and Dads in the Middle

Are you one of the millions of Moms and Dads in the Middle caught in the baby trap? If you’re not legally classified as poor and you’re having a baby, big bills are coming. The problem is you make too much income, so you can’t get Medicaid or public assistance and that means you actually have to pinch pennies to have your baby! This problem is easy to solve. All you do is face up to your options and be smart: 1. A baby is coming. It’s too late to buy maternity insurance. 2. You make too much money so you can’t get public assistance 3. Do you want to pay full price to have your baby? 4. Or do you want to get the highest quality care and pay the lowest possible price? Here’s why it’s smart for you to read Moms and Dads in the Middle: It was written by an expert who was asked to research and write a report about how moms and dads in the “middle income” tax bracket cope with and pay their maternity-related medical bills. The answers the author discovered and his expert, unbiased advice are in this report. The author of this revealing report tells how you can cope with your maternity-related medical bills so that your health and credit are not ruined or endangered in the process. · This report can help you if what you want in life is not a free lunch, but, instead, you just want a smart and noble way to lower your maternity expenses so you can afford to pay them off little by little, like a home mortgage or a car payment. Moms and Dads in the Middle will help you make a choice that may save you years of financial pain and lowered self-esteem. The wrong choice may cost you a small fortune. The important thing for most families in the middle is to increase quality and lower cost. You may send this entire report with no changes or additions to moms and dads you know who are in “the middle” and are coping with rising maternity costs.
© 2005 Affordable HealthCare Options

About author Ken LaPensee MPH, PhD

Dr. LaPensee was formerly a Senior Vice President of Cambridge Pharma Consultancy, a division of IMS Health, the world’s leading provider of information solutions to the pharmaceutical and healthcare industries, and the foremost global pharmaceutical pricing and health insurance reimbursement consultancy with operations and healthcare industry clients in more than 100 countries. Dr. LaPensee led their US Managed Care and Third- Party Reimbursement practice for five years and was a contributing editor to Pharma Pricing and Reimbursement, the most prominent P&R journal in the industry. Prior to that Dr. LaPensee was Director of Actuarial Research for two major health insurers, including Blue Cross and Blue Shield of New Jersey. In 2003, Dr. LaPensee advised one of the largest pharmaceutical companies in setting up a program to provide drug discounts to the uninsured. That work included a detailed analysis of the underinsured and uninsured. As such, Dr. LaPensee is well qualified to give advice in this field.
Suggestions and Conclusions: During my career, I have written hundreds of reports and drawn thousands of conclusions to help readers better understand their options regarding health care and health insurance. For this report, I was asked to research and find solutions for uninsured or underinsured Moms and Dads in the middle-income bracket who are coping with rising maternity costs. The details of my report are below.