An urgent message for people who want to get premium-quality health care for their Bipolar Disorder AND save AT LEAST $787 in the next 12 months on health insurance premiums and medical bills…
“How To Get High Quality, AFFORDABLE Health Care And Health Insurance If You Are Dealing With Bipolar Disorder Guaranteed”
Only a handful of people dealing with mental illness know these insider secrets – use them to finally get the kind of health insurance and health care you always dreamed of but never thought you could afford!
Dear Struggling With Inferior Health Care,
If you are having a hard time getting high quality AFFORDABLE health care and health insurance, then this letter is going to be a Godsend.
Hi, my name is David Oliver. And the story I'm about to tell you is absolutely true. I know because it happened to me.
About a year and half ago, my mother became very ill and went into a severe bipolar "episode." Before getting sick, she had a great job with GREAT health insurance. But unfortunately, she was unable to work once her episode started.
That's when I really got worried.
You see, my mom and dad were older. And I knew that getting health insurance for them was going to be very difficult.
I Considered My Options
I could get my parents on something called COBRA – a kind of insurance that cost twice as much as their old insurance … while providing only half the benefits. (I knew this because, over the years, my parents did have to go on COBRA until my mother got well and could again hold a job that offered good health insurance.)
You see, my mom has battled bipolar disorder for her entire life. Which meant she went through a continuing cycle of having insurance … losing her job because of an bipolar episode … going on COBRA during her treatments – essentially, paying twice as much for half the benefits … and then getting good insurance again once she had recovered.
But my mom’s last episode was different.
I didn't think she would ever be able to work again. Ever. It was really bad. She was hospitalized for 10 days – and she didn't even look or sound any better after she left the hospital. Then they wanted her to go to an outpatient program for "a while."
In the past, this never happen. If my mom went into an episode, she would go to the hospital and come out a 6 on a scale of 1 to 10. Then, in 2 months or so, she would be back to her old self.
But this time, the medicine wasn't working. The doctors couldn't seem to help her get better. And the picture looked worse and worse and worse.
Fortunately, my mom had paid her health insurance premiums for the month that she was in the hospital. Actually, she paid it right before she completely fell apart. So we had one short month to make a decision about what to do for insurance.
It was really stressful. I didn't know what to do. I started researching. And all I heard was "Impossible," "You can't," "They're too old to get insurance," and "They have too many preexisting conditions."
When I stopped to think about it, I realized that both my mom and dad had serious health challenges. My dad had diabetes, congestive heart failure, high blood pressure, joint problems, sleep Apnea … and he was severely overweight.
EVERYONE I spoke to said I was doomed. I really worried.
I called a health insurance broker and gave him my mom and dad's information. When he quoted me $1982 a month for insurance, I almost fell out of my chair!
Then I ran across someone that said my mom should apply for disability. Through disability, she and my dad could get on Medicaid and eventually Medicare.
I was kind of excited until I learned two things:
I Thought There Had To Be Another Way
I really sat down and thought to myself, "Is it really impossible to get health insurance for an affordable rate?" I refused to believe that it was IMPOSSIBLE.
After interviewing some insurance experts, applying some advanced strategies, and going through lots of painful trial and error, I got my mom and dad an incredible health insurance plan.
And it didn’t stop there.
I got them deals on all kinds of things related to their health care. When it was all said and done, they got a better health insurance plan then they ever had. And the total savings per month for their health care was over $832 a month – almost $10,000 a year.
I Was Fortunate
Don’t get me wrong – what my family went through was really stressful. But it worked out really well when you consider what happened to another couple I know.
Carol and John never planned on going bankrupt. They worked hard and carefully minded their finances. They firmly believed in tucking a portion of their paychecks away for emergencies. They faithfully paid their bills and carried almost no debt on their credit cards.
Yet, in March 2005, they were forced to declare Chapter 7. They lost it all – their retirement savings, their home and second car, even their kids’ TV and PlayStation. The humiliation was almost too much to bear.
Especially when they knew they weren’t to blame. It was their insurance company’s fault.
Bipolar Can Destroy Your Financial Health
The hard-working couple’s problems started almost a year earlier, when Carol had a major bipolar episode (and even that wasn’t her fault – she was given the wrong treatment plan).
Suicidal, violent, and unable to care for herself, she was hospitalized for three long weeks. Then, once her doctor deemed her stable and no longer a threat to herself, she entered an outpatient program for 90 days.
Thankfully – and surprisingly – her employer was very understanding. Carol still had a job when she was able to resume work 12 weeks after she entered the hospital. So she still had health insurance.
The bad news was that her health care coverage was marginal at best.
The company Carol worked for was small. And its owners were frugal.
Which meant that they chose the cheapest health insurance plan they could find for their employees.
For employees who had ongoing medical needs, the coverage was practically worthless.
Because the employer picked up only half of the premium cost, Carol was spending $237 out of pocket on premiums each month. She had to meet a $5,000 deductible before her insurance company paid a cent (not hard to do since she was spending $500 a month on medication alone). Then, once her insurance company started paying a portion of her bills, she still had to pay 30% of her medical expenses.
But the fun didn’t stop there.
You see, her physician and therapist weren’t included in her insurance provider’s tiny network of approved health care providers. So Carol had to pay 100% of their fees out of her own pocket.
Adding insult to injury, because Carol’s physician and therapist weren’t part of the provider network, they weren’t forced to charge the discounted rates her insurance company typically negotiated. So she had to pay full price for their services. Where patients with high-quality health care coverage might pay a $15 co-pay for each visit, Carol was paying $175 each time her physician so much as commented on the weather … and shelling out $125 twice a week for her therapy appointments.
Expenses from her hospital stay quickly topped $12,000.
Then things went from bad to worse.
Carol’s husband, John, was involved in a hit-and-run accident. Their truck was smashed beyond recognition. John didn’t fare much better.
Laid up in the hospital for two weeks and forced to undergo full days of painful, intensive physical therapy for eight months after, John’s hospital bills mounted quickly.
And unfortunately, he didn’t have health insurance at all.
He’d had health care coverage at his last job. But when he was laid off in a fierce round of corporate downsizing, he decided to pass on continuing his coverage out of pocket. The COBRA payments were just too darn expensive.
After getting laid off, John had started his own consulting business. But finding insurance as a self-employed professional was near impossible. He came close once, but the plan was outrageously expensive for practically zero coverage.
In a matter of months, Carol and John found themselves buried under a growing mountain of debt. They tried mightily to make their monthly payments. But eventually, the struggle and nasty phone calls from creditors became too much. They swallowed their pride, said goodbye to the possessions they had accumulated after years of back-breaking work, and filed for bankruptcy.
Sadly, Carol and John aren’t alone. Because millions of Americans – maybe even you – are in the same financially, physically and emotionally precarious situation they struggled with.
Which of These Health Insurance Challenges Do You Face?
Consider these facts:
No wonder then that a study published by the journal Health Affairs reported that at least half of the 1,458,000 personal bankruptcies filed in 2001 (the last year for which statistics were available) could be directly related to illness and overwhelming medical bills.
The Shocking Truth Is That Most of Us Fall Into At Least One of These Four Categories.
That’s right – in the world’s richest nation, the vast majority of its citizens either can’t afford better health care (because the stockholders and/or money-hungry executives running the companies know that the fastest way to line their pockets is by slashing the quality of care they allow customers to have access to) … and/or cannot navigate the labyrinth of health insurance policies and regulations to find affordable and high-quality health care.
It’s outrageous, isn’t it?
Because, after all …
Health Insurance Is Too Important to Live Without
Living with substandard health insurance – or worse yet, no health insurance at all – doesn’t just screw up your finances and add tons of stress to your life.
Research has also shown that if you’re uninsured or underinsured, you:
… Especially If You Are Living With Bipolar
Helping my mom through her last major Bipolar episode gave me a powerful education about the importance of good health insurance – and how substandard most health insurance plans are.
Mom ended up being hospitalized for 10 days … and then spending another 90 days in an outpatient program. The whole time she was being treated, the bills kept pouring in.
As part of my decision to take charge of her care (my dad and brother preferred to hide their heads in the sand and hope that her bipolar issues would resolve themselves), I also took responsibility for her medical bills. That meant deciphering pages and pages of statements, reading through the benefits manual her insurer provided, and making sure that I paid the bills that she was truly responsible for.
It was an incredibly frustrating job – and still is today. I think the insurance companies make their statements confusing on purpose. I would get so frustrated trying to keep track of charges and who was paying what. A lot of time I just wanted to give up and write a check without ever verifying that I was really responsible for paying the bill. You’ve felt that way too, haven’t you?
The sad thing is that we were really lucky in terms of health insurance – a lot more fortunate than 97% of other families dealing with Bipolar Disorder.
You see, at the time, my mom worked for a great company. They had INCREDIBLE health insurance. It didn’t cost a lot and it covered virtually anything.
And even though my mom told her boss to essentially take her job and shove it, she waited to file the paperwork that would officially terminate my mom’s employment – and with it, her health insurance. She knew that something wasn’t right with my mom, and she didn’t want to make a bad situation worse by effectively canceling her health insurance until we knew what was going on with my mom’s behavior.
Her kindness saved my mom and me at least $101,237.68 … probably a lot more.
Because of her employer’s willingness to overlook the problems my mom caused on the job when her episode started, I had a 30-day window before her insurance coverage ran out to find her the care she needed without going in the poorhouse doing it.
Our bills were hefty enough even with the coverage she had. I seriously don’t know how you can successfully treat Bipolar Disorder if you don’t have medical insurance and a solid health care plan.
Which is why I swore that when my mom’s Bipolar Disorder was under control again, I was going to do more research and write down everything that I had learned about getting affordable, high-quality health insurance. I figured that if I could save even one person with Bipolar Disorder from the stress and headaches we had to go through to get my mom the medical care she needed and deserved, it would be well worth my time.
After all, you already have enough on your plate managing your Bipolar Disorder, don’t you?
That’s why I’m writing to you today.
After 12 months of massive research, I’m finally releasing my new manual for people who want better health insurance coverage for their Bipolar Disorder treatments – while sending less money to their insurance company.
Just Released! The Manual No Person with Bipolar Disorder Should Be Without
The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version compiles and clearly presents everything you must know to get the best possible health insurance and receive the high-quality medical care you deserve.
When researching this manual, I was dumbfounded at the amount of information that’s out there. Information that almost none of us know … even though it could dramatically change the quality of medical care you receive.
I unearthed so much mind-boggling information, in fact, that I created two kits. This way, you can choose which one will help you the most.
What You’ll Discover in My Bare-Bones, Nothing-But-The-Facts Basic System
The Basic Version of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version reveals the very best information, suggestions, strategies and expert advice I could find. Take a look at just a few of the things you’ll discover:
...Plus much, much more!
And you’ll learn the answer to pressing questions like these:
How to Claim 6 More Resources to Help You Save Money and Get World-Class Medical Care
The Deluxe Version of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version comes with everything that’s included in the basic Version … plus these 6 additional valuable resources.
Resource #1 – How ANYONE Can Get Affordable
Health Insurance (Audio Program)
Resource #2 – The Biggest Mistakes Most
People Make With Health Insurance … and the Smartest Way to Avoid Them
Resource #3: The Shocking Truth About
Discount Health Care and Pharmacy Cards (Special Report)
Resource #4: How to Fight an Insurance
Company When You’reRight … and They’re Dead Wrong (Audio Program)
Resource #5: How to Instantly Save Money on
Your Health Insurance (Special Report)
Resource #6: Cracking the Code of Your
Health Insurance Plan’s Statements or Summary of Benefits (Special
These six resources have a minimum retail value of $295. They’re worth much more if you consider how much money they can help you save on medical bills and insurance premiums each year.
But that’s not all you receive when you reserve your copy of the Deluxe Version of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve.
Get $737 In FREE Bonus Gifts When You Respond BEFORE Midnight, .
I really want you to take action immediately and get my material. I realize a number of people might put it off, or wait until another day. I want to give you a HUGE, and I mean HUGE incentive to take action today.
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When you order the Deluxe Version of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve
FREE Bonus 1– How to Get FREE Medicine to
Treat Your Bipolar Disorder (Special Report)
FREE Bonus 2: How to Get Low-Cost or Even FREE World-Class Treatment for a Mental Illness (Special Report)
When you're low on money, it’s hard to get the best treatment possible for a mental illness … even if you have health insurance. Until about a year ago, I had no idea how to change that situation.
Then, I met a woman who shared a proven technique that opened up incredible treatment possibilities for my mom – and even for people who don’t have a lot of cash or insurance. Once I started learning about this strategy, I discovered that she's not the only person who is using it effectively. Quite a few of my newsletter subscribers are also using it – and they’re thrilled with the positive results. Now you can learn this strategy, too.
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If you or your loved one has problems with side effects from mental health medications, I’ve got some great news for you. You see, my mom had HUGE side effects from her medication.
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One of the challenges I had with my mom was that her old doctor was horrible. When she was hospitalized, she was under the care of the doctor at the hospital who was a step up from the other doctor but still not what I would hope for.
Eventually mom was going to be leaving the hospital and had to find a new doctor. She was unable to do so herself so it fell on to me.
Desperate, I invented a unique method for finding ANY kind of doctor if you are dealing with a mental illness. This method works whether you are in a small town, big city, have money, don’t have money, need a doctor in a different language, etc. NO MATTER WHAT, my system will work for you.
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Again, I had to invent this method out of desperation when my mom simply couldn’t afford her treatment program because she wasn’t working, and we had exhausted all savings.
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This technique is truly amazing and it uses a number of different psychological principles to make it work. Imagine if you are busy, or even lazy (which I hope that’s not you), and you have a bunch of people working for you, free of charge and simply calling to let you know a simple step by step plan that will give you incredible options and is affordable. In this bonus, I reveal all.
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A Simple Investment That Could Shave Thousands of Dollars Off Your Medical Costs
The information contained in The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve is priceless. Like I said before, there is no other resource that reveals all of the insurance industry secrets … or explains them so clearly.
This system is truly one of a kind.
I spent over 12 months researching and writing the system. And I spent at least $3,300 of my own time and money to find this information and these experts. Gather the reams of information you’ll receive in the system, and get this information pulled together.
But that doesn’t mean you’re going to pay $3,300 to get the same information.
Because I mean it when I say that I’m on a mission to get affordable, high-quality health insurance for every person and family who is coping with Bipolar Disorder.
So to ensure that The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version is within financial reach of every family that needs the information, I’ve lowered the price of the Deluxe Version – which contains 8 resources worth $295 and comes with three free bonus gifts worth $210 – to a bargain $149.
The Basic Version – a standalone version of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version – is available for just $79.
Either way, your investment in The Ultimate System For Finding
the Affordable, High-Quality Health Care You Deserve—Mental Health
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trip to your therapist – if you don’t have insurance.
My FOUR Personal, 100%, No-Questions-Asked, IRON CLAD, Better-Than-Risk-Free, 120-Day Money-Back Guarantees
Your investment in The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version is backed by not one, not two, but FOUR incredible satisfaction guarantees because I am just so sure you are going to love this system.
GUARANTEE #1 – You Will Get High-Quality and Affordable Health Care … Or Your Money Back
Get the system. Read it from cover to cover. And start using the information to get better health coverage and medical care.
If you don’t agree that the powerful information revealed in The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version puts affordable, quality health care within your reach, return all the materials within 120 days of purchase for a complete refund (less shipping & handling).
GUARANTEE #2 – No-Questions-Asked Return Policy
If you’re dissatisfied with The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version for any reason, you can return all the materials and ask for a refund within 120 days of purchase. I’ll refund every penny of your investment – promptly, courteously, and no questions asked (less shipping & handling).
And if you ordered the Deluxe Version, all of the FREE bonus gifts are yours to keep as a thank you for giving the system a try – making this a better-than-risk-free guarantee.
Guarantee #3 – You Will Save AT LEAST $787 on Medical Bills in the Next 12 Months
I’m so confident in The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve that I’ll even extend this unheard-of guarantee …
I guarantee that when you use the information I’ve carefully researched and provided in this one-of-a-kind system, you’ll save a minimum of $787 in insurance premiums and out-of-pocket medical expenses over the next 12 months. If you have no health insurance at all, you’ll probably save much more. If you don’t, drop me a note explaining which secrets you used and how much you’ve saved … and I’ll gladly refund your entire investment (less shipping & handling).
Guarantee #4 – I’ll Even Pay You $20.00 in CASH If You Don’t See Results
When you act quickly and order The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version by Midnight, , I’ll go one step further to guarantee your satisfaction … and pay you $20.00 in cash if the system doesn’t help you secure better health care.
All you need to do is write me a quick note explaining which strategies you put into play (with a guarantee like this, I’m sure you understand why I need to see a tiny shred of proof that you did something and aren’t just trying to rip me off). If you can honestly say the system didn’t work for you, I’ll gladly refund your entire investment (less shipping & handling) – and I’ll also give you $20.00 as a thank you for giving the system an honest try.
But remember, this extra guarantee goes into effect only if you reserve your copy of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version by Midnight, Saturday, June 17.
With these incredible guarantees, you have nothing to lose … and everything to gain. Order your copy of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version today.
Here’s A Recap Of What You’ll Get
Affordable, Top-Quality Health Care Can Be Yours
Listen, I learned two crucial lessons by helping my mom battle her insurance company for the care she deserved:
I don’t want you to be shortchanged and get anything less than the absolute best medical care available in your community. So I’m willing to do whatever it takes (within reason, of course!) to convince you to take action and get informed.
The decision you must make now could change your life in profound ways.
Because the valuable information I’ve included in The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version will revolutionize the quality of medical care you’ll receive … and dramatically lower your medical and insurance costs.
The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version reveals every insurance industry scam, every tip, every secret I uncovered over 12 months of intensive research.
I used this information to get my mom the best-quality medical care available in the United States today … to slash her insurance premiums by over 50% … and to save at least $6187 in health care costs each year.
Now I want to help you achieve the same phenomenal results in your life. So you can get the quality of care you need to successfully treat your Bipolar Disorder – and finally get your insurance company to pay its fair share.
I know you might be thinking “But it will never happen to me, Dave.” That may be true. You or your loved one might never have to be hospitalized for extensive Bipolar Disorder treatment. You might never face another catastrophic illness that requires expensive and intensive medical treatment. You might never be hurt in an accident that lays you up for weeks on end.
But how can you ask your family to take that risk?
Let’s face it. You’re not the only person who stands to lose if you or a family member suddenly requiring costly medical care. Just one major Bipolar Disorder episode could dramatically change your family’s entire financial future.
The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version contains everything you need to know to protect your family … and get yourself the high-quality medical care that every American deserves at a price you can afford.
I guarantee it.
One Final Thought
I want you to know, I personally use these strategies for my mom, my dad and me. I am not some researcher writing on theory that doesn’t work in real life. These strategies are proven to work and they can work for you.
Take two minutes right now to reserve your copy of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version. Click here to get my system risk free today.
To your health,
P.S. Remember, when you order the Deluxe Version of The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version, you receive 6 additional resources (worth $295) and 10 FREE bonus gifts (worth $737). Click here to place your order.
P.P.S. Remember that you have nothing to lose and everything to gain. If you decide my information is not for you, guarantee number 4 enables you to get a check sent from me for $20.00. Imagine that. I am so confident in this material I know you won’t be asking for a $20.00 check. Click here to place you order.
P.P.P.S. Finally, your investment is protected by my four total-satisfaction guarantees. If you’re dissatisfied for any reason, you can return The Ultimate System For Finding the Affordable, High-Quality Health Care You Deserve—Mental Health Version for a complete refund … no questions asked. And when you order the Deluxe Version, I guarantee that you’ll save at least $787 in insurance premiums and other medical bills over the next 12 months.