May 14th, 2010 
Health Guardz 
ALL YOU NEED TO KNOW ABOUT PRIVATE HEALTH INSURANCE
What Is Private Health Insurance
Private health insurance can be taken up by consumers by paying a monthly premium for individuals or families. There are various advantages that private health insurance provides and below are just some of the reasons why consumers should be taking up one.
Advantages of Private Health Insurance
Choices! Choices! Choices! You have more choices with a private health insurance.
You can cater the coverage to your specific needs. For example, group health insurance does not usually come with maternity coverage. If this might be important to you, not only can you opt for the coverage but you can also decide upon the level of the coverage.
Besides adding on to the coverage, you can also choose to drop any options or cover that you deem unnecessary. This can help reduce your premium quite significantly.
You also get to choose the deductible and the copayment of the insurance plan. By choosing a higher deductible (must be within your financial limits), you also get to bring down your premium. You can also choose to bring down your monthly premiums by eliminating items that are needless for yourself or the family in the plan.
One big advantage of private health insurance as compared to employer sponsored group insurance is that your coverage is valid and yours as long as you pay the premium. Hence the insurance coverage for yourself and your family is independent of external circumstances like job, unemployment etc.
Disadvantages of Private Health Insurance
Private health insurances are more stringent in their conditions of acceptance. Consumers have to undergo health checks and some pre-existing conditions may render a person ineligible for private health insurance for those conditions.
Private health insurances also base their premiums on age. Hence the premiums will rise gradually in correlation with the consumers’ age. Hence it is critical to review the private health insurance cost annually and decide if maintaining the private health insurance is the best choice for you.
Private health insurance may also be less comprehensive than group health insurance. Hence often, consumers will find that conditions and treatments (such as maternity) once covered by their private health insurance are no longer valid.
Ways To Get Your Private Health Insurance
There is a variety of choices out there for private health insurance and consumers can search online for the best plan for them with optimal coverage at a reasonable cost. For some consumers, it might be better to enlist help of trained professionals who can suggest the best private health insurance for them based on their needs.
Watch the video related to private health
In August, Whole Foods CEO John Mackey argued in the pages of the Wall Street Journal that the solution to America’s health care crisis was to be found in “less government control and more individual empowerment.” His own company’s unique health care plan, Mackey wrote, covers 90 percent of employees, costs less than health insurance plans, aned provides a “very high degree of worker satisfaction.” But for the sin of not supporting a government take over of health care, labor unions and left-wing activists called for a boycott of Whole Foods, claiming that Mackey’s solutions were unworkable and his employees were unhappy. Reason.tv talked to protesters, Mackey, and employees about “the Whole Foods alternative to ObamaCare.” Produced by Michael C. Moynihan and Dan Hayes. Edited by Dan Hayes. Approximately 5 minutes. (Full disclosure: Mackey has contributed to Reason Foundation, the nonprofit that publishes this website.) Related video: John Mackey’s Conscious Capitalism: The Whole Foods CEO on health care, veganism, and free markets: www.youtube.com Go to reason.tv for downloadable versions of these and other videos.
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If it was possible to have 100% coverage paid by our taxes (even if it makes our taxes increase) then I am all for it, but as of right now there is no option so what is the purpose of the question if the choice is not there?
~~This is a mute point because Nationalized insurance is not in the works. All the government is proposing is an alternative for people who can't get employer based insurance to be able to buy directly from the same insurance that senators and congressmen get. Otherwise, business as usual for private insurance companies.~~
Please check out asihealthcare.com
They have the best medical/dental insurance coverage for really cheap and covers the whole family and starts immediately and no restrictions on pre-existing conditions!!!
You can also contact them at 800-929-8344 ref# 268817 when calling. Good Luck.
@blacksmartie Maybe she thinks it is about her and not the client. Maybe she doesn’t know how to cook it and so she tries to convince the client to go this way so that she doesn’t expose her weakness in a certain area? could be eh?
I don’t like Sasha, but i’d like to be in between her legs!!! Her face is my problem, as long as I can do her dggie style it’s all good!!
Eventually the private insurance industry will fall. The current bill states that if you leave a job with private insurance you will not be able to get on the insurance of the next job, you will have to go on gov. insurance. So essentially that means everyone will be placed on government insurance with no option to get back on private.
In most cases, you are paying too much for your coverage. You generally are best off just getting the bcbs plan from your employer. However, they can work together in some instances. If one is used as primary and then the other can pick up the co-pays at the doctor's office and other things. I know one person who has a situation like this. However, this person has coverage from their own employer and their spouse's employer. Their plan pays as primary, the other picks up everything except the annual deductible. Since the plans are written differently from each other, if they used the spouse's plan as primary, then their own plan would pick up nothing as secondary. Since both plans are through the employers and that person has a lot of medical expenses, it saves money to have both plans on that one person. Since the spouse has few medical expenses, they only have one plan on that spouse. In most cases, your private medical insurance is going to cost you more to carry than the out-of-pocket maximum on the plan with the employer. In most cases, you would do well to carry only one plan.
Where did your figures come from? It is the number going to the ER that is a major factor in the rising costs. Especially the illegals.
I like Sasha, but what happened to “what Lorenzo wants, Lorenzo gets”??? I’d be pissed.
“give me what I’ve asked for”!!!
Because of healthcare reform your options with private health insurance covering maternity are limited to one plan in Texas and will cost you more than you're currently paying because the employer will not contribute anything to the private plan. Stay where you are.
How does hiring two private chefs make you any less hollywood?
Private health insurance is still available and most people will continue to have it. BUT, there will be changes and some companies have already made changes. Since you won't be able to be declined for coverage some companies are lowering their benefits in hopes that if they get a customer with a long-term, expensive disease that they'll choose to go to another company for richer benefits. Assurant got rid of their best two plans AND they removed maternity coverage from their policies. If they have to cover everyone that's pregnant can you blame them for just nixing the coverage altogether?
@yakamashiimori12 – Sasha is a true rebel lol
@blacksmartie yup, it happens every episode! the client asks for a specific item, and sasha just makes what she wants. it’s no wonder the other chefs can’t stand working with her. Who has to scramble to fix her mistake now… Stu!
lmao tht was cool wat he did with the lobster but chef brooke needs to get over it.lls
It's all about money you know. That's why they don't and never will.
Why does Sasha never give the client what they want??? Ridiculous.
awww poor lobster :;(
oh well haha
rest in peace