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Private Health Insurance Plans

Few things are as important as health insurance. Many countries have what is called “single payer” healthcare. Health insurance for everyone comes out of taxes. If you get sick, you are automatically covered. For those of us who are residents of the United Kingdom, health insurance is not a problem. Everyone is fully covered under the National Health Service for almost every type of illness, disease or accident. Unfortunately, it doesn't work that way in America for example. Without health insurance, a serious but treatable illness could be a death sentence. This is why it is important for Americans to always be insured. Many people in the UK take out private health insurance plans, because they know that they will get preferential treatment over NHS patients. There's no eighteen month waiting lists for them. if they need an urgent operation it can be arranged in a matter of a few weeks, sometimes in just a few days!

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If you you want a professional freelance writer to write pages similar to this one which is titled: Private Health Insurance Plans for your magazine or journal, please send me an email.  Best regards, Debbie Magee
 

I knew someone, a friend of Kathy, an American who was travelling overseas. She was young and in good health, and figured she didn't need health insurance – she had scarcely been sick a day in her life. She was in South America, when she started to feel nausea, and dizzy spells. At first she ignored them, but they soon grew worse. She returned to the United States and went to a doctor, and discovered that she had cancer. A doctor's visit, combined with a battery of tests can, by its self, cost hundreds of dollars. Treatment for cancer can run into the thousands, or even the tens or hundreds of thousands easily. She was unable to afford this kind of expense, and grew sick and eventually passed away. It was a tragic and avoidable death – if she had been insured, things might have turned out much differently.

There are several different kinds of health insurance in America. The most traditional kind is called a Fee-For-Service plan. It has the advantage of giving people a greater range of choices than any other health care plan – they can go to any doctor they want to. They pay a monthly premium, and also have a deductible, perhaps $250 or $500. This is the amount of medical expenses which they have to pay in any given year before their insurance takes effect. After that, it pays a majority of further medical expense while they pay a small portion, often around 20%.

Another type is called the HMO or Health Management Organization. An HMO has a staff of doctors, often in one or several central locations, which it requires all of its patients to go to. Although patients don't have nearly the number of choices they do with a fee-for-service plan, their health costs will be much lower. There is a small fee charged for each visit to a doctor, but most other costs are covered by their insurance.

We in the United Kingdom are so lucky that we don't have to bother ourselves with private health insurance plans unless we really want the added protection and piece of mind.  Although, if you are travelling out of the country, don't forget the appropriate government health forms, so you can get emergency treatment if you are in reciprocating countries.
 

DebbieMageeWriter.co.uk

Hello, I'm Debbie Magee, freelance writer, author of this page, titled: Private Health Insurance Plans.
 
If you would like me to write similar articles for your magazine or journal, or if you have a question about my writing services, please send me an Email

All the information and advice that I give on my website, is drawn from my own personal experiences in life, or from members of my family, friends or work colleagues. Where I have been unable to advise from my own resources, I have consulted experts in their field or obtained it from journals or published works available in the public domain. All advice is given on a general basis to a wide and varied British audience. No responsibility can be accepted for inaccuracies or actions that you may take as a result of reading the advice.
I am unable to comment either by phone or email on any of the information contained on any of the pages on my website.

 I write about a wide and diverse range of topics including for example: Adverse Bad Credit Loans, Mortgages, Insurance, Internet Banking, Bankruptcy, Credit Cards, Buying Products, Making Money and Savings etc.

Thanks for taking the time to visit my website.

Regards, Debbie Magee