Private health insurance is when you buy your own plan and pay premiums associated with that plan, and it is not paid for by the government. There are two main ways of getting private health insurance. The first, group insurance which you can have through your job and the second, is individual coverage.
The five most common types of private health insurance plans are Health Maintenance Organizations (HMOs), Participating Provider Options (PPOs), Point-of-Service (POS), Fee for service plans, and Health Savings Accounts.
Health Insurance Transitions
If your family is going through a job change, or changes in family status such as the birth of a child, your health care plan will also change. During this transition it is important to know
what procedures and deadlines you must observe.
Any time you get denied coverage by your insurance company make sure you understand why, and call your insurance provider immediately.
Tips to appeal
Choosing a Health Plan
There are several factors to keep in mind while choosing a private health plan. The most obvious feature of any policy is the premium. But, along with the premium you should look at all the services the plan offers.