Disclaimer

This book provides general medical, health insurance, and financial information that are meant to inform and educate the reader. Readers should consult with their doctors, human resources staff, insurance brokers, accountants, and financial advisors about their specific situations, as this book does not replace their counsel.

This book is sold with the understanding that the publisher and author shall neither have the liability nor responsibility to anyone who feels that information in this book caused, directly or indirectly, any loss or damage.  The opinions and views are those of the author and do not reflect those of the Permanente Medical Group.