The below are examples of reviews given PDBC by purchasers on Amazon.

“This discussion of healthcare costs charged by hospitals and doctors and related to insurance issues makes a wonderful positive contribution. The book thoroughly explains the pros and cons of Obamacare. Jerry Ashton and Robert Goff are to be congratulated for participating in the growing debate about healthcare costs and what people can do about them. As a leading patient healthcare cost reduction advocate and one dedicated to assuring appropriate insurance compensation, I applaud these amazing authors.”

Adria Goldman Gross. Co-author of “Solved! Curing Your Medical Insurance Problems” and CEO of MedWise Insurance Advocacy


“This is a must-read for anyone getting their health insurance through the Affordable Care Act (a.k.a. Obamacare). The authors’ central concern is your finances: because these plans lock you into a “network” of certain doctors, then if any “out-of-network” doctor or specialist is called in – possibly without your being told, or even while you are under anesthesia – your plan might not cover their bill, and you could be whacked with thousands more dollars than your quoted annual out-of-pocket maximum. In other words, medical bankruptcy is alive and well.

The other concern that emerges from this trend towards networks is quality of treatment: can you get the specialist you need? Are they “in your network?” Obamacare is wildly unlike the old days of broad PPO insurance – don’t count on it covering you if you need to go to the Mayo Clinic!

The authors don’t put forth any magic-wand solutions to healthcare in America – we all know that single-payer insurance like that in Europe is needed – but until this still-broken system is fixed, the book does give you enough knowledge to try to guard yourself against the two pitfalls of Obamacare:

1. Try to avoid unnecessarily going out of your network for medical care and incurring personal debt.
2. Be aggressive about getting the best doctors, hospitals, and specialists that you can within your network.”

Nicholas Carroll, consumer advocate and author of The Layoff Survival Plan, Dancing with Lawyers: How to Take Charge and Get Results, and Fighting Slander.


“Based on my read, authors Goff and Ashton lead me to conclude that calling what we have in the United States ‘healthcare’ is a complete misnomer. We don’t incentivize hospitals to keep people healthy because they wouldn’t occupy as many hospital beds or consume as much of the expensive services hospitals deliver and that are rendered elsewhere far less expensively.

Healthcare can only be delivered by ‘primary care’ providers and public health efforts such as education on lifestyle choices including smoking, diet, and exercise. If your home or workplace is a firetrap, you pay more for fire insurance than your neighbor. However, if you lifestyle choices heap on additional risk, as the book reveals, there is no added cost. No incentive!

The physician who goes into ‘primary care’ will make significantly less than a specialist. As the authors point out, the United States has a desperate shortage of primary care doctors and our medical schools continue putting out 70% who are ‘specialist’ even though healthcare needs medical schools graduating 70% into primary care. Follow the money. As Goff and Ashton reveal over and over, there is no incentive to encourage meeting ‘healthcare’ needs and abolishing medical debt!

The book documents that when a recent hurricane put 2,000 hospital beds out of use in NY City every patient was accommodated. We have had and continue to have more hospitals and beds than needed. The incentive for hospitals is to fill their beds and maximize the use of their expensive facilities. The communities they serve don’t want them to shrink because they employ so many workers. Most recently, ‘independent’ primary care physicians are shrinking as hospitals add them to their payrolls.

On the consumer end of ‘sick care’ medical debt continues to increase at a rate far higher than inflation and, according to the authors, is responsible for about 50% of all bankruptcies. They make the case that although Obamacare creates broader access to coverage, especially for the poor thru subsidies, it exacerbates the increase of even more medical debt for those same people thru the use of large deductibles and out of pocket co-payments designed to keep Obamacare ‘premiums’ low.

The Patient, The Doctor and The Bill Collector states that all three are being victimized by our current ‘sick care’ system and that although we have the most expensive cost per capita in the developed world, we accept and live with outcomes far worse than most other developed countries. I appreciate the authors pointing out how every citizen is paying for it thru ever increasing ‘sick care insurance’ premiums, deductibles and co-pays or ever increasing Medicare payroll deductions or taxes.

Robert Goff and Jerry Ashton present many great ideas about what each of us can do and, by working together, how we can transition from a patient bankrupting ‘sick care’ system to a patient supporting ‘health care’ system beneficial to every United States citizen regardless of their social or economic class. Thank you for a well document, great and easy to understand read.”

Joe Murtaugh


“An excellent handbook to help you understand today’s medical business. Many good suggestions to find alternatives to rising medical insurance costs.”

C. Oathout


“A must read.”

William M. Hammack


“This such a huge problem that Jerry and team are tackling. Medical debt needs to change and stop damaging every American who gets sick through now fault of their own. Read the book and SUPPORT the cause.”