Disclaimer: The author of this article is not interested in politics nor convincing you of which option is best for you

Health Insurance Debate Heats Up

Here we go… again.

If the Democratic Primary Debates (which began this week) are any indication, the merits of public and private health coverage will be a hot topic of discussion for the foreseeable future. And just like scrutiny around the Affordable Care Act has changed it’s initial mandate, there is now an equal scrutiny of private healthcare insurance.

So which is better for you, Private or Public Healthcare?

The short answer: it all depends on your health.

I’ll summarize the pros and cons here, but for a more in-depth look check out this great article from Agnus Smith:

Public Health Insurance: Pros

• Overall more affordable than private health insurance plans
• May also qualify for assistance with other expenses
• Many plans require no co-pays or deductibles

Private Health Insurance: Pros

• Ability to choose your own physician
• More plan options available
• Wider network of providers to choose from

Private Health Insurance: Cons

• Generally more expensive than public health insurance
• Must pay monthly premiums whether you use services that month or not
• Better coverage and more flexibility means higher payments

Public Health Insurance: Cons

• Less flexibility to choose providers
• Many providers do not accept government-sponsored health insurance plans
• Limitations on covered treatment though they may be deemed necessary

Okay, so you’re really not going to tell me which is better? Nope. And the good news is you don’t have to decide on your own either. You see something that isn’t well known is that many Private Health Insurance providers also offer Public Health Insurance as well, which means you’ll be able to find the plan that fits you best without worrying about knowing exactly what you’re looking for. With Affordable Health Insurance providers like USHealth Advisors in Atlanta you’ll be able to ask your questions, get expert insight into your personal circumstances, and yes, advice about which plan is best for you. Ultimately, you’ll be the one to decide, but it’s GREAT to have a trustworthy advocate helping you navigate the complicated landscape of health coverage. So don’t sweat the process of getting insured because when you open the conversation with someone who DOESN’T want to debate, you’ll end up with options that give you the final (and best) decision.

USHealth Advisors in Atlanta is passionate about advising you on the journey towards a Health Insurance Plan that is right for you and your family. Your health coverage doesn’t have to be complicated. Don’t over pay for health coverage, call us today (843) 817-0518