subject: Private Health Insurance-understanding Your Options [print this page] Anyone who has ever been shopping for health insurance, is aware of the different policies that will provide you and your family with proper health care. Private health insurance plans are without doubt the largest insurer of individuals and families. Making the plans available through employers, membership in one of several notable organizations, or just one you purchased on line. Not far below this is the government sponsored military, Medicaid and Medicare coverage plans. These government plans require you to choose from the many options available when deciding what is the best for your family.
One of the most common ways that American's get health insurance is through their employers. Employer based health insurance plans are usually one of the most reasonable options because they are group health insurance plans and spread the risk out allowing you to get the best possible deal on health insurance for you and your family. Although, these plans are through a health insurance company they are designed to cover not only the employees of a particular business but their family members and dependents as well. This type of plan is usually paid for in part by the employer and some premiums are usually paid in by the employee as well. Employer based health insurance is usually more reasonably priced insurance.
Health insurance options cover most any specific need. Owner employers know they have available plans, that will provide free of charge coverage to their employees. Even tho they are paying all the premium, this insurance coverage is only for the specific employee of a specific company and not members of the employees family.
If you are ineligible for government health insurance and do not receive health insurance coverage from your employer than you probably have purchased a direct purchase plan. This type of health insurance plan is one that is bought by you directly from the health insurance company and there are a variety of different plans to choose from. Purchasing a direct purchase plan for an individual or a family is more expensive simply because you are not dividing up the risk or the cost amongst many different people, therefore you will pay a lot more for private health insurance that you purchase directly from the company.
There are many different private pay health insurance options available but if you have the opportunity it is best to purchase health insurance through your employer. This is the best way to save money and get the health insurance coverage that you need for yourself and your family.
by: Ethan Kalvin
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