Private Medical Insurance2022-06-14T01:04:52+00:00
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in a nutshell

Long Term and/or ongoing Medical Treatment?

3 Drawbacks to Private-Sector Health Plans

Medical Benefit carriers can cap how much they will pay out in a given year for medical expenses and or have a lifetime maximum payout exclusion.

Most Private health plans come standard with an annual payout of $1 Million but you can find a $2 Million lifetime maximum policy in the private marketplace.

The drawback to lifetime maximums is that these types of policies are not meant for long-term or chronic ongoing medical treatment.

After a medical diagnosis, it would be in the policy holder’s best interest to seek coverage through the Affordable Care Act’s (ACA) marketplace which offers more comprehensive and affordable coverage for those with preexisting conditions.

A pre-existing condition is a health condition that exists before you enroll in a new health insurance plan. Many insurance companies will not cover expenses related to a pre-existing condition for a period of time after you enroll, or in some cases, for the life of the policy. This is called a pre-existing condition exclusion. If you have a pre-existing condition, it’s important to understand how your insurance company handles these exclusions.

Some things to keep in mind include:

  1. Whether there is a waiting period for coverage?
  2. What types of services are covered?
  3. Whether there are any limitations on coverage?
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Learn More about the Market Place gaps and how middle-class families are coping with their healthcare coverage.

Self-Employed & Middle-Class families are feeling the repercussion of a failing healthcare system. The Marketplace’s guidelines and income ratios are leaving families uninsured and financially exposed. Private health insurance provides an alternative avenue to individuals and families who are looking for affordable premiums outside the MarketPlace.

Private Medical Insurance for Families
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Private Health Insurance for children
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The Public Exchange and Serious Pre-Existing Conditions

Any applicant that has been diagnosed with a long-term illness may not be able to participate in private health insurance options.  An ACA compliant plan, through the Marketplace, might be the only option.

How does underwriting lower the cost of Private Health Insurance premiums?

Premiums for private health insurance are more affordable because most carriers require that at the time of the application, that applicants be moderately healthy.

Ask ME How you can Customize Your Coverage to help you pay for household expenses in the event of a major medical event!

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Money Received to cover whatever you need!
  • Mortgage, rent, and utility payments
  • Childcare
  • Groceries for your household
  • Health insurance deductibles
  • Out-of-pocket medical expenses
  • Prescriptions and other medications
  • Specialist treatment or rehabilitation
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