by US Army Africa
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will find that conditions and treatments (such as maternity) once covered by their private health insurance are no longer valid.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.
Filmmaker Stuart Browning shows the callousness of “single-payer”, government-run health care systems as practiced in Canada.
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“just wait to die like so many American do every year” WHAT?! LOL – that is the most UN-informed post.
Every ER in America is open to anyone regardless of ability to pay. We have MEDICAID for our poor – too bad govt broke the system and it won’t serve those that really need it.
Although it proves socialism FAILS AGAIN – our program is broke and doesn’t work for those who need it –
It should be fixed first, before embarking on another failed entitlement program! That is just stupid.
“just wait to die like so many Americans do every year. The US has more poor uninsured citizens then Canada has people. ”
What an utterly un-informed comment – we have MEDICAID for our poor. Yes our own socialized program to “save the masses from medical bills and medicare as a safety net for our senior citizens”
Unfortunately Govt has spent all the money, can’t afford to truly help those in need and once again –
SOCIALISM FAILS.
See the next post – if you live in UK, you GO WITHOUT.
You see – so many are going to be screwed! Govt denials of care!
The NHS is planning on extensive rationing of surgery in order to meet budgetary needs. The service is looking at eliminating literally millions – with an “m” – of surgical procedures because it simply can no longer afford them.
The intent is to “save” 29 billion by telling patients in need of those procedures “no.” – the same outcome is almost guaranteed here (in USA)…
Read more at the Washington Examiner
This is BAD.
Lindsay Mccreith didnt get the surgery cause he was too busy getting a sex change op to match his name.
I would much rather wait in line with everyone else and get help, rather then not be able to afford healthcare and just wait to die like so many Americans do every year. The US has more poor uninsured citizens then Canada has people.
@pattoncarter Here’s two answers: One, because freedom doesn’t mean a damn thing if you’re not healthy, and two, because they’re paying for your health care as well.
I stil can’t believe this video! The Canadian health care system iiiss the government. If there’s a patient rights issue it’s going to be the government. During the last 3 years in the US, there were 651000 people denied coverage because of pre-existing conditions. You found 1 person in Canada with a pateint rights issue and you think it’s some kind of “gotcha moment”? Seriously?
Canada is Canada; it doesn’t represent the nearly entire western world which does have universal health care. Opponents of universal health care use fear tactics by finding 2 people (McCreith and Shona Holmes) who were let down by the Canadian system. In the US there are thousands, if not millions, who have been let down because they can’t afford health insurance. It just doesn’t add up and the scare tactic is effective, yet completely incorrect.
The Canadian government is not following the Charter of rights and freedoms.
The citizens are nothing but a number.
Watch my video
Alberta Woman with blood cancer and organ failure.
Youtube fightingforjustice10
I also have cancer and the Canadian Doctors were unable to diagnose my condition.
New York had no problem finding my blood cancer and organ failure.
The Charter of rights and freedoms states “everyone has the right to life”
The Canadian doctors are a disgrace.
Watch my video on Medical corruption Youtube fightingforjustice10
Everyone who has said “not here in the US OF A (we are SOO badass)” “people would not have to wait for FREE healthcare HERE” think of this – YOU CANT AFFORD HUNDREDS OF THOUSANDS OF DOLLARS OF MEDICAL BILLS YOU ARMCHAIR RTARD
@edmontonguy so you didn’t actually watch this video – where did this man go to SAVE HIS LIFE???
USA. Many, many canadians DIE waiting for care – that is a fact. Rankings are so subjective as in who cares. I KNOW I get the best care in the world!!
Watch
/watch?v=LtQZ42iOsJk&feature=related
canadian doc “want to see doc – no problem – need MRI – No problem – just wait IN LINE FOR SIX MONTHS or 23 hours for hospital bed!!
There are “no other hospitals to send the patients to” so sad..
Here is a short course about HC in USA – FREE care to undocumented, illegal aliens! So, for you “canadians’ talking about how uncaring the US system is – LOOK AT THIS:
/watch?v=bLJxmJZXgNI&feature=related
Under YOUR system, this guy and many canadians DIE WAITING for the “FREE” care – not in the USA.
How sad for you socialized system and you poor people.
screww the canadiansss.
they cant do crap they are pussys.
there military sux ass.
yea it works…..i am a canuk and none of my friends are bankrupt or left pennieless from health issues
@yogashot there are exceptions… .. depends on various factors but OBVIOUSLY the system doesn’t work! duh!
not true my mom and dad both had cancer and both got optimal care both still living and both have great doctors!!
You’re putting words in my mouth. I did undergrad and grad work at those schools, among others, but have never taught at either. I’m an adjunct prof now at 2 private colleges, was tenured at 2 state schools, and do guest lecturing around the country. Mainly teach Econ, Market Econ, Public Relations, Critical Thinking, and Media Relations.
Glad to see we’re catching a good number of the criminals our open borders and disposable wealth attract…wish we could execute them and save a few bucks.
@SparwoodApple Get ready for a long wait if you are wait. The good ‘professor’ doesn’t seem to respond with references or to much of anything that doesn’t fit his personal ideologies. Look back about a month ago in the thread. He consistently looks, well, let’s just say he doesn’t look like much of a professor of anything but nonsense.
@professorofliberty oh, and just a question. You have said you’re a professor of economics and your employers are The U of Puget Sound and the U of Washington but there are no names which appear on both faculty lists? Are you really a professor?
Oh, and some good news! I found something that the United States is the very best in the world. Your incarceration rate is #1! That’s per capita which means you lock-up more of your citizens then Russia, China, and Iran. So much for liberty, huh?
@professorofliberty lol, wow…I knew you guys needed some work, but doing a little Googling, look what I found.
‘The Economist’s’ ranking of the most livable cities in the world has Vancouver (Canadian) at number one and two other Canadian cities in the top 10. The first American city is Pittsburgh (no rank indicated). US life expectancy ranks 50th (50th!) as per the CIA World Fact Book (Canada is 8th). Infant mortality in the States, you are 33. I say again – you lag the rest of the world.
@professorofliberty yes, it lags the rest of the world. You do know what standard of living refers to don’t you? The Human Development Index (put our by the UN), which was designed to address the fact that prosperity is not only tied to economics, but also to things like education, knowledge and literacy, standard of living, life expectancy. Well, you’re far from #1. In fact, there are a number of socialist countries ahead of you. Canada is #4. The US is #13. Evil socialist Norway is #1.
Good lord…you have shown yourself to be either an idiot…or that you’ve been living in a box for the last two hundred years. How can I even begin to chat logically with someone who believes such total and complete drivel.
The standard of living in the US lags the rest of the world? Free markets don’t “work”? Who do you think pulled your sorry ass out of the stone age…please pull your head out of 100 year old Marxist rhetoric and check out reality…then again, maybe you’re pulling my leg.
@professorofliberty if you think my mind is set in concrete you are wrong. I am able to admit when I am wrong and when I formulate an opinion on a subject, I tend to look for the burden of proof. The US is consistently behind the rest of world when it comes to the rest of the developed world when it comes to standard of living…and often in the name of capitalism. You guys still use the imperial system for Christ’s sakes. Public healthcare is best. As demonstrated by the developed world.