RICHARD EPSTEIN writes a nationally syndicated newspaper column, Insurance TroubleShooter, as well as a health insurance column for Exceptional Parent Magazine. With a BA degree from Brooklyn College, a masters from the New School for Social Research, and additional post-graduate work at the New School and at Columbia University, Epstein began researching the health insurance maze 15 years ago, when his spinal arthritis became so severe that he required an electric wheelchair for mobility. He found that many of the rules that insurance companies followed seemed illogical and, at times, almost incomprehensible.
