March 4th, 2011 
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will find that conditions and treatments (such as maternity) once covered by their private health insurance are no longer valid.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
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~~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.~~
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?
@enterintoexit Whatever you say Mr. I believe everything you say. Europe good, USA bad. Socialism good, Capitalism bad. You good, me bad.
Did I leave anything out?
I’m not sure what the guy was getting at when he mentioned talking to a doctor about blood pressure medication. Hypertension, if inadequately treated, is a killer. It can cause heart failure and/or strokes. Surely, talking to a GP about the best way to treat it is a sensible way to go.
@tomol57 Good God. I think if tomorrow all the rich people moved to Antarctica and took their money with them; people like you would put a pistol in your mouth and pull the trigger because you would no longer have anyone to blame for all of your shortcomings.
If you hate the wealthy so much either stop giving them all of your money when they tell you that the next iPhone is better than your old one or become a rich person and give all of your earned money away.
Damn!!!! You are a cry baby.
More competition means businesses need to eventually cut their costs to compete. Increasing quality is going to mean increasing costs. We see this everywhere; the cheapest and best selling products are the ones that have cut the most corners in production. Do you really want ‘made in china’ style health care?
Ultimately making health care a business means MONEY MATTERS not HEALTH and PEOPLE. Look at government-run health care in Europe and tell me it doesn’t work.
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.
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.
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?
@karozans and you’re a complete dolt who, like so many that have commented here, can’t see past gross generalizations and absurd comparisons.
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.
@enterintoexit Ah yes. The typical liberal, socialist, foreigner response. Insult and then tout that your system is so much better.
Funny how Europe is such a shit hole in almost every aspect when compared to the US. But I am sure you are happy with it.
@karozans I hope life is good in your bubble, away from the ‘liberal, socialist, foreigners,’ especially when it all goes to hell. I say when, but it’s a reality now. Europe is a big place, yet you’ve somehow managed to lump it together into one entity and generalised it as ‘shit’ – congratulations! Go look at the socialist Nordic countries and how accusingly awful they are (if by awful, you mean the statistically happiest places in the world).
@migkillertwo Never underestimate the power of stupid, lazy liberals. Provide them all the information in the world and they will still vote to give themselves $1,000 per month as apposed to putting forth a little effort and earning $4,000 per month.
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.
It's all about money you know. That's why they don't and never will.
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.
I work for a company that is trying to put the free market back into the health care system and LASIK will always be our favorite example of how prices drop and quality improves as soon as patients stop spending someone else’s money. When it really feels like your own dime, you’ll find the best value for that dime.