| In United States, there are more than 200 millions of | | | | · The insurers have the freedom to choose |
| people having private health insurance currently. There | | | | the doctors they prefer to perform their medical |
| are 2 main types of private health coverage, i.e. | | | | services. Furthermore, they have faster access to an |
| managed health care plans and indemnity health plans. | | | | elective surgery procedure. |
| Managed health care plans are chosen by people who | | | | The Disadvantages: |
| want to have quality care at an affordable price. On | | | | · The policy holders are required to pay for |
| the other hand, indemnity health plans are chosen by | | | | higher premiums due to the increasing health care |
| people who prefer maximum flexibility in controlling their | | | | costs. |
| medical care decisions. Let's take a look at the pros | | | | · The individuals may face the risk of being |
| and cons of obtaining private health insurance. | | | | rejected by the insurance providers due to their |
| The Advantages: | | | | current medical status or pre-existing condition. |
| · The policy holders have the freedom to | | | | To sum up, it is important for you to look at your |
| choose their own health plans that suit their budget. | | | | financial position first before making your decision |
| They can also change the terms of agreement | | | | whether it is really necessary for you to obtain your |
| anytime with their own consent. They don't have to | | | | own medical coverage. Don't worry if you can't afford |
| pay for medical options that they don't need. | | | | for a private health care plan. You still have the |
| · The insurance plans will not be affected if the | | | | choices to select either the government or |
| insurers shift jobs | | | | employer-sponsored health plans. |