Private Medical Insurance2022-07-23T16:06:01+00:00

Explore Your Private Healthcare Options Here!

The Health Insurance Gal is an online platform that offers comprehensive, unbiased healthcare information and resources to help those understand and enroll in individual or family health insurance.

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Find health insurance for individuals and families under the age 65.

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For Private Medical Coverage, Call 941-787-9699
Private Health Insurance can be purchased directly from an a agent or carrier.

Private health plans are not required to follow the ACA’s rules and regulations and because of this they are typically less expensive than full-price MarketPlace major medical health health plans.

These plans can be purchased directly from an agent or carrier, and they do not have to adhere to all the same guidelines as public plans because private plans are not required to follow the ACA’s rules, they may not provide the same level of coverage or benefits.

However, for individuals who are willing to tradeoff some coverage and benefits for a lower price, private health insurance can be a good alternative.

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Why Private Healthcare Coverage?

There are many reasons why people are choosing private health coverage over public options. Individuals and families are going private with their health coverage for many reasons but mostly seeking affordability.

Private sector health plans offer a wider range of benefits and providers and come with lower out-of-pocket exposure for everyday benefits such as Urgent Care and doctors’ office visits. In addition, private health plans often provide greater flexibility when it comes to choosing providers, which can be a major advantage for people who have specific healthcare needs.

Ultimately, private health coverage is becoming increasingly popular because it provides a number of advantages over public health insurance.

in a nutshell

Private health coverage may be an Affordable Alternative

In a nutshell, Private Coverage is bridging the Gaps in the United States Healthcare System by providing an affordable alternative to those who quality for coverage outside of the MARKETPLACE

Individuals & Families
Primary Healthcare Options

Medical Cost-Sharing Health Plans

  • iEveryday Care with Hospitalization Health Plan
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Short-Term Health Plans

  • TriTerm Medical
    (3 Year/ 36 Month Short Term Major Medical)
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Business & Employer
Primary Healthcare Options

Medical Cost-Sharing Health Plans

  • EverydayCARE with Hospitalization ERISA UNDER 20 EMPLOYEES
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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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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.

Not sure what you need? Learn in seconds what type of insurance matches your individual needs.

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