Private Health Insurance
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Insurance companies supply consumers with private health insurance by issuing a signed contract at the beginning of a policy. Rather than a government program, private health insurance companies offer services to any individual, regardless off age or any other requirements. The health insurance policy covers usually covers medical expenses as well as other medical services as defined by the policy.
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Rates
Private medical insurance policies are usually renewed year to year, unlike life insurance policies that have terms up to many consecutive years. For this reason, many private medical insurance rates can jump due to illness or other factors. Some factors than can increase private health insurance rates are:
- Insufficient exercise
- Unhealthy diet
- Excessive alcohol use
- Tobacco use
- Street drugs
- Obesity
Arguments Against Private Health Insurance
There are many arguments against private health insurance. Many customers claim they have been treated unfairly, since someone with a similar condition received a lower premium rate. Often times, private medical insurance’s availability is limited to employer sponsored programs. It can be expense to purchase an individual policy. Aside from these, many experimental treatments are not covered and cost-cutting scandals have arisen from popular HMO programs.
Some top companies offering Private Medical Insurance
- American Medical Security Group
- Star Insurance
- Secure Horizons
- PHICO Group
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