Cyndie Kleinfelder

Question: How does private health insurance work?

I am a freshman in high school interested in the medical field and I don't know much about all this health insurance business but I've heard all about this national health care bill and how all these people can't afford to pay for their own health insurance and that's why we are going to national health care and that got me to thinking about why we need national insurance anyway. It's obviously a problem of people not being able to afford private health insurance or not believing private health insurance is worth the cost. So I have a variety of questions about how one pays for it such as: How much do you pay a month? What do you have to pay when you go see a doctor? Are prescription drugs covered/ if not are prescriptions expensive? I know with car insurance your rate goes up if you receive multiple tickets/multiple car accidents and was wondering if your base health insurance pay goes up as well if you have a multitude of health concerns. If you could answer any of these questions I would really appreciate it as I am interested in going into the medical field later in life. I am also open to any other information about private insurance you have. However, I don't want this to become a political debate on national health care as I am purely interested how an individual pays for his own private health insurance.

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