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What private health insurance companies would cover me?

woman at desk health insuranceThere are many major and small private health insurance companies that will cover you provided you do not have a preexisting condition. It seems insurance companies want to have things both ways. They want healthy policyholders in addition to a large chunk of your money also.

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Many people are frustrated that the controversy between private and universal government controlled healthcare is still alive, kicking, and screaming. Some are saying that the Patient Protection and Affordable Care Act of 2010 needs to be revamped. Meanwhile, there are private companies are offering integrated plans as an alternative to waiting for an acceptable solution.

Integrated plans combine the aspect of medical care with the financial management aspect as opposed to the faceoff between the two. This idea could present its own conflict of interest, which could result in more denials and discrimination. The questions would become the importance of money versus the importance of medical care being determined by the same entity or related ones.

What private health insurance companies offer integrated health systems?

Several private health insurance companies offer integrated health systems that may be of interest to you and your family or business. This type of plan is popular in countries like Australia. Integrated plans are offered by such companies as Kaiser Permanente and BCE Emergis.

What private health insurance companies would cover me with a preexisting condition?

If you have been diagnosed with a condition that presents a medical risk to an insurer, you could be caught in a preexisting condition dilemma. You might be in a transitional phase where you are between jobs or unemployed. Either way if your condition existed prior to finding an insurer, your condition is preexisting and could present a real challenge.

Some examples of preexisting conditions include:

  • Hypertension
  • Fibromyalgia
  • Diabetes
  • Asthma
  • Pregnancy
  • Cancer

These conditions may show up on the majority of preexisting conditions listed by common providers. Many cases have gone to court related to these conditions because the insurance company refused to pay the claims related to them. Employees who felt they should have been covered filed many of these cases.

For this reason, those that are already a part of a group plan can now rely on the Health Insurance Portability and Accountability Act, which allows this sector of people to carry previous coverage to another job. In the past, those that had preexisting conditions were made to wait a year and a half or so before the bills would be paid. Unemployed individuals and the self-employed do not have the same luxury.

Self-employed individuals have to find some other way to get around the preexisting condition dilemma. High-risk pools were created to help those who may fall through the compartment crack. High-risk pools share the risk to keep health care expense to a minimum.

The PCIP or Preexisting Condition Insurance Plan is a part of the Patient Protection and Affordable Care Act for those who have gone at least six months without finding acceptable health insurance coverage. This program is offered through the Department of Health and Human Services until 2014. According to this plan, private insurers will no longer be able to discriminate after this date.

Do private health insurance companies offer better quality health care than income based programs?

It is no secret that you get better healthcare from a private provider than you get from a government-subsidized source. However, that is not 100% true in all cases when you break the question down to individuals. There are individuals under subsidized plans who claim to get excellent service from providers in state-run facilities.

A private doctor or provider is probably going to get to know your better as a patient since they may have seen more often than the new resident at the clinic may. At the same time, a person can build the same rapport with a provider at the clinic if they have been a patient long enough. The clinic may also have access to the latest technology in some departments.

Digital medical records raise the question of the protection of patient’s privacy. This is the new debate emerging among healthcare administrators. Some private health care providers and insurance companies are already using this method.

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