Private Medical Insurance

You May Already Have Private Medical Insurance

Medical insurance coverage is broadly divided into two categories: private or public. Private medical insurance is coverage by a health plan provided by a non-government third party. These third parties include an employer, a union or other trade organization, or purchased directly from a private health insurance company. Public insurance is generally issued through government sponsored programs. Most non-government employees probably have private medical insurance.

Private medical insurance plans can be purchased from several sources. Employment based plans provide coverage issued through one's employer. This can also include plans offered through a trade union or through self employment. The direct purchase type of private medical insurance means coverage provided directly through a private insurance company, without a union or employer as an intermediary. Most citizens with private medical insurance plans likely fall into one of these two types of coverage.

Public insurance is usually offered through a government program at the local, state, or even federal level. In contrast to private medical insurance, these public plans are funded and administered by the government. Public plans include Medicare, Medicaid, and the State Children's Health Insurance Program or SCHIP. Private medical insurance policies are issued by privately held companies that must make a profit to continue operating. Government plans depend on funding from taxes and other sources.

Your private medical insurance plan operates much like many other mainstream plans. You can be reimbursed for most or all of your routine health care costs. Deductibles and co-payments will apply, and each will have an effect on the size of your monthly private medical insurance premiums. Prescription drug coverage is a feature of most good plans. This benefit provides low cost prescription medications, especially of a generic drug is prescribed.

Often your medical provider will submit your private medical insurance claims on your behalf. You will only be responsible for an office visit co-payment, and whatever portion of the bill is not paid by your private medical insurance.

There is nothing mysterious about private medical insurance. It is simply a classification to distinguish it from publicly funded or government insurance. Many employers provide private medical insurance plans, although they are more well known as group insurance. Whether you or your employer is paying for your private medical insurance, it is a helpful and money saving resource.

Medical Insurance News:

IMPORTANT: Bing News RSS feed has moved!

Go to the new RSS page and renew your subscription.

Whole Bloomin' Thing' spring festival
The annual "Whole Bloomin' Thing" Spring Festival committee is accepting applications for this year's event, to be held Saturday, May 12, in Waynesville's Historic Frog Level District...

A Danville mother and daughter, who both have Type II diabetes, are shedding the pounds thanks to their..

Business Wire - A.M. Best Assigns Ratings to Princeton Insurance Company
May 4, 2012 -- OLDWICK, N.J. -- A.M. Best Co. has assigned a financial strength rating of A+ (Superior) and issuer credit rating of "aa" to...

Resolve dispute with doctors with integrity
I am Dr. Adrian Sohn, a Guelph resident and a family doctor of over 20 years experience...

Voterama in Congress, week ending May 11, 2012 - Libertyville Review

Voterama in Congress, week ending May 11, 2012
Libertyville Review
. or 10 percent, in fiscal 2013 while cutting sharply over 10 years into domestic programs such as food stamps, school lunches, the State Children's Health Insurance Program and subsidies to help low-income families buy medical insurance.

Budget Cuts Hurt Washington State's Response To Whooping Cough Epidemic - ThinkProgress

ThinkProgress

Budget Cuts Hurt Washington State's Response To Whooping Cough Epidemic
ThinkProgress
About 14.6 percent of Skagit County residents have no health insurance, according to a state study conducted last year, up from 11.6 percent in 2008. EURœThere has been half a million dollars spent on testing in this county,EUR Dr. Leibrand said late last .

and more »

New Health Insurance Infographics From HealthCompare Help Educate.
HealthCompare, who consistently displays concern for consumers, asks visitors that come to their site to ask themselves a series of questions before attempting to find health insurance coverage...

The reason for taking
The impact of the recent changes in..

Business Wire - One Call Medical Launches Diagnostic Provider Portal
May 8, 2012 -- Online Portal Facilitates Streamlined Communication and Processes, and Enables Greater Ease of Doing Business for Providers in OCM's...

It's risky for unhappy doctors like those in Ontario to protest
There are few sights quite so unsettling for governments - and occasionally quite so useful - as Legislature lawns thronged with angry, sign-waving, white-lab-coated doctors...

Voterama in Congress, week ending May 11, 2012 - Skokie Review

Voterama in Congress, week ending May 11, 2012
Skokie Review
. or 10 percent, in fiscal 2013 while cutting sharply over 10 years into domestic programs such as food stamps, school lunches, the State Children's Health Insurance Program and subsidies to help low-income families buy medical insurance.

Voterama in Congress, week ending May 11, 2012 - The Doings Western Springs

Voterama in Congress, week ending May 11, 2012
The Doings Western Springs
. or 10 percent, in fiscal 2013 while cutting sharply over 10 years into domestic programs such as food stamps, school lunches, the State Children's Health Insurance Program and subsidies to help low-income families buy medical insurance.

Knights of Columbus charity golf tournament
Knights of Columbus Father Michael Murphy Council #12478 will host its seventh annual local charities golf tournament at 1 p.m., Saturday, May 12, at Maggie Valley Club...

US Postal Carriers food drive
Please join with your local postal carrier to help provide food for area food banks.A Leave a bag of non perishable food items at your mailbox on Saturday, May 12th and your postal carrier will pick it up and bring it to an area food bank.A Items will be given to the needy of Haywood County.A Please do not put glass jars or other items that might . (more)..

Voterama in Congress, week ending May 11, 2012 - Lincolnwood Review

Voterama in Congress, week ending May 11, 2012
Lincolnwood Review
. or 10 percent, in fiscal 2013 while cutting sharply over 10 years into domestic programs such as food stamps, school lunches, the State Children's Health Insurance Program and subsidies to help low-income families buy medical insurance.

Mechanical Design Engineer
Thank you for your interest in the Mechanical Design Engineer. To begin the application process, please enter your email address...

Voterama in Congress, week ending May 11, 2012 - Winnetka Talk

Voterama in Congress, week ending May 11, 2012
Winnetka Talk
. or 10 percent, in fiscal 2013 while cutting sharply over 10 years into domestic programs such as food stamps, school lunches, the State Children's Health Insurance Program and subsidies to help low-income families buy medical insurance.

Thanks to a provision in the..

Voterama in Congress, week ending May 11, 2012 - Vernon Hills Review

Voterama in Congress, week ending May 11, 2012
Vernon Hills Review
. or 10 percent, in fiscal 2013 while cutting sharply over 10 years into domestic programs such as food stamps, school lunches, the State Children's Health Insurance Program and subsidies to help low-income families buy medical insurance.

Children's Emergency Department Treatment Varies According To Insurance Status
Main Category: Pediatrics / Children's Health Also Included In: Primary Care / General Practice Article Date: 11 May 2012 - 9:00 PDT A new study reveals that in 2009, children with private insurance were significantly more likely than those with public insurance or no insurance to have a primary care physician...

Business Wire - The Standard Charitable Foundation grants $7,500 to the Children's Cancer Association
May 4, 2012 -- Grant supports holistic non-medical support of critically ill children, teens and family members PORTLAND, Ore. -- The Standard...

eHealth Technology Tapped to Power New Private
MOUNTAIN VIEW, CA--(Marketwire -04/30/12)- eHealth, Inc. (EHTH - News) announced today that its eHealth Technology platform is powering a new private..

Blue Ridge Books Chosen as Official Waynesville Host for Children's Book Week Events
This year, Children's Book Week events will be hosted in over 40 US cities across the country...

Q&A:
Since he took office early last year, state..

Today's Consumers Get
HealthCompare, a nationally recognized..