Protective Health with Scientific Truth

"What is needed is some person, some institution, some inescapable 'force' that captures the imagination of our citizens and demonstrates that cancer and other diseases will be eliminated only when each of us comes to understand that this can only occur as part of a lifelong process of sanity, balance, moderation, and self-respect."

Internist - Medical Oncologist - Tumor Immunologist - Radiation Oncologist - Author - Inventor - Health Advocate
Introducing Charles B. Simone, M.MS., M.D. 
Dr. Simone Reports 
Cancer's Worst Enemy 
"Charles Simone Phenomenon"
by William Pitts 
Dr. Simone Books 
Simone Protective Cancer  Institute 
Simone Protective Cancer  Center 
Simone Ten Point Lifestyle Plan 
Simone Protective Health Products 
Simone Health Insurance Advantage
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The most influential people say...

"Nancy joins me in sending you our best wishes for the success of your vital work."
   Ronald Reagan, President

"Dr. Charles B. Simone, an expert in the field of cancer research and treatment, is an individual for whom I have the highest respect."
    Peter W. Rodino, Jr.
    Chairman, Judiciary

"If everyone would follow Dr. Simone’s Plan, we would make major strides toward putting the cancer doctors out of work."
    Robert A. Good, M.D.,Ph.D.
    Former Director, Memorial
    Sloan Kettering Hospital

"I congratulate Dr. Simone on innovative work."
    Dr. Linus Pauling,
   Two Unshared Nobel Prizes

"This book and program should be in all homes and all schools in the early grades. Congratulations, Dr Simone, you have done a great service for all of us."
    Lendon Smith, M.D.,
   Author, "The Children's Doctor"

"Valuable and timely. Should prove beneficial to the public."
    George E. Stringfellow,
   American Cancer Society

"Excellent work"
    Dr. Denis Burkitt, FRCP

"Thank you for all your work on behalf of alternative therapies."
    Tom Harkin, US Senator

"I agree with you that we need to focus not just on treatment but also on prevention."
    Henry Waxman, US House

"Your work will reduce cancer."
    William Bennett, Former
   Secretary of Education

"Thank you for having the courage to come forward. Your testimony was a powerful indicator of the great need for change in America's system of health care, and the importance of an individual's freedom of choice when treating illness."
    Dan Burton, Chairman
   Committee on Government
   Reform & Oversight

Copyright 2013
Charles B. Simone, M.MS., M.D.
(609) 896-2646

Think Differently to Solve Your Health Insurance Chaos

Lawrenceville, NJ – Your health insurance premiums are out of control. But we can help. Charles B Simone, MD, Medical and Radiation Oncologist, author of Cancer and Nutrition et al, challenges the status quo by thinking differently. Employees, no matter what duration of employment, pay an increased portion of health insurance premiums AND can voluntarily participate in his patented method that quantifies costs for controllable risk factors. Employees can change that behavior, or take personal responsibility for the increased cost attributable to the behavior by paying more for insurance.

Simone Health Insurance Advantage

  1. Is used with ANY insurance plan
  2. Generates enormous income for the employer.
  3. Educates and encourages employees to become healthier and this generates savings for the employer from lower health insurance premiums when employees become healthier.
  4. Cloud Based - Processes large numbers of employees quickly. They logon securely, then their BMI, blood pressure, and lab blood values are entered. At a defined interval of time, the employee may retake the tests and their monetary values may change accordingly.

Wellness Programs are expensive, don’t reduce health spending, and may actually harm some employees. One-time Incentive Programs don’t work either.

Modify Risk Factors to Reduce Health Costs

Since 90%-95% of all chronic illnesses are preventable, people can live healthier, and health care costs can be reduced if people choose to modify their risk factors. About 80% of all health care dollars are spent on chronic illnesses that are self-induced.

People With Controllable Risk Factors Should Pay More

The person who chooses to be overweight, or have a high cholesterol, triglycerides or sugar, or smokes or drinks alcohol, among other risk factors, will increase the cost of health care, consume the majority of health care dollars, and therefore should pay more. People who constantly modify their risk factors should pay less and are actually subsidizing those who choose not to modify controllable risk factors.

Simone Health Insurance Advantage is Comprehensive

We provide a detailed analysis of an individual’s lifestyle, including controllable risk factors, and make appropriate suggestions. The National Institutes of Health and the Center for Disease Control determine normal values for controllable risk factors like Body Mass Index, Blood Pressure, Lipids, Glucose, Hemoglobin A1c, Tobacco and Alcohol use, and Drug Screening. Simone Advantage uses only these to determine costs.

Employees: Education/Responsibility

By voluntarily participating in Simone Health Insurance Advantage employees may reduce their out of pocket expenses for coverage, up to a certain amount. Simone analyzes a person's risk factors to determine that individual’s portion of premiums by:

  • identifying controllable risk factors,
  • quantifying the higher cost for health insurance attributable to risk factors,
  • allowing the individual the choice of changing that behavior, or by taking personal responsibility for the increased cost attributable to the behavior by paying more for insurance.

Wellness Programs: Expensive, Don’t Reduce Health Care Spending, May Cause Harm

Forty randomized wellness program studies were reviewed (1-4). Employers typically pay $200 to $2,000 per employee. Employers do not save money and wellness program do not reduce health care spending. There is no evidence for long term health improvement. Cost shifting occurs, with the most vulnerable employees – those from lower socioeconomic strata with the most health risks – bear more costs that subsidize healthier colleagues.

One-Time Financial Incentives Don’t Work

Seventeen studies conclude that early success dissipates when the rewards are no longer offered (5-7). For example, a group of General Electric employees was given $750 if they quit and did not smoke for a year. Second group received a “wellness” invitation for a smoking cessation program. After a year, the financial incentive group's quit rate was 15%, the wellness program, only 5%; after 18 months, 9% and 3% respectively. So 91% of employees who entered the program because of the one-time financial incentive did not quit and still incur huge health care costs.

Monthly Incentive Encourages Health

Simone Health Insurance Advantage provides personalized evaluation and education for employees and uses a monthly financial incentive to encourage long lasting health. Behavioral economics is effective because it capitalizes on natural tendencies of people to choose an option that averts losses.

Employers: New Income and Savings

The Program generates a new income stream for the employer and savings for the employer from lower health insurance premiums when employees become healthier. Companies, organizations, unions, and governments can create more jobs, expand and conduct more research and development.

Healthy Employees Benefit

Individuals who modify their lifestyles will have fewer sick days, greater energy and productivity, better self-esteem, and a lower risk for disease for themselves and family. Over a period of time, they will be less of a burden on the health care system and reduce health insurance costs.

We Can Help You, Call Now

America spends the most on health, ranks last among the top 19 nations, and has one of the highest infant mortality rates. Without Simone’s initiative, we will witness the catastrophic collapse of the health system – then America as we know it.

Patent # 7,319,970    (View Patent)


1. Horwitz J et al.    View Article

2. van Dongen JM et al.    View Article

3. Wilkin CL et al.    View Article

4. Gowrisankaran G, et al.    View Article

5. Volpp DM et al.    View Article

6. Hey K et al.    View Article

7. Hennrikus DJ et al.    View Article