UK Private Health Insurance Debunking 7 Common Myths

UK Private Health Insurance: Debunking 7 Common Myths

The UK's healthcare landscape is unique, with the NHS standing as a cornerstone of public health provision. Yet, increasingly, individuals and families are exploring the benefits of private health insurance (PMI) to complement their care. Despite its growing popularity, PMI is often shrouded in misconceptions, leading many to dismiss it without truly understanding its value or how it works.

At WeCovr, we understand that navigating the world of private health insurance can seem daunting. Our mission is to demystify the process, provide clear, impartial advice, and help you find the best coverage from all major UK insurers, all at no cost to you. In this comprehensive guide, we'll expose and debunk seven of the most common myths surrounding UK private health insurance, helping you make informed decisions about your health and wellbeing.

Myth 1: "Private Health Insurance is Only for the Rich"

This is perhaps the most pervasive myth, suggesting that private healthcare is an exclusive luxury reserved only for the wealthiest individuals. The reality is far from it. While premium, fully comprehensive policies can indeed be costly, the private health insurance market offers a vast spectrum of options designed to fit a wide range of budgets and needs.

Debunking the Myth

1. Customisable Policies to Suit Your Budget: Private health insurance is not a one-size-fits-all product. Insurers offer highly flexible plans that allow you to tailor your cover, directly impacting the premium. You can choose to:

• Adjust Your Excess: This is the initial amount you agree to pay towards a claim before your insurer contributes. A higher excess typically results in a lower monthly premium. For example, opting for a £1,000 excess instead of £100 could significantly reduce your annual cost.
• Limit Outpatient Cover: Outpatient consultations and diagnostic tests can be a significant cost component. Some policies offer full outpatient cover, while others have limits (e.g., up to £1,000 or £1,500 per year) or even exclude it entirely for a more basic (and cheaper) inpatient-only plan.
• Choose a Restricted Hospital Network: Many insurers offer policies tied to a specific network of hospitals. Opting for a smaller, more localised network (often excluding central London hospitals, for instance) can lead to lower premiums compared to policies offering access to all private hospitals nationwide.
• Utilise the "Six-Week Option": This popular feature allows you to defer non-emergency treatment to the NHS if the waiting list is six weeks or less. If the NHS wait is longer, you can then utilise your private cover. This option can significantly reduce your premium.
• Exclude Specific Benefits: While not always recommended without careful consideration, you can sometimes choose to exclude certain benefits (e.g., therapies, mental health support) if you feel you are unlikely to need them, further reducing costs.

2. Company-Sponsored Schemes: A substantial number of people access private health insurance through their employers. Many UK companies, from large corporations to small businesses, offer private medical insurance as a valuable employee benefit. This makes private cover accessible to employees at little to no personal cost, or at a heavily subsidised rate. If your employer offers this, it's a fantastic way to access private healthcare.

3. The Cost vs. Value Equation: When considering the cost, it's important to weigh it against the potential value. The peace of mind, speed of access to diagnosis and treatment, and choice of consultant and hospital can be invaluable, especially when facing a health challenge. For many, the cost becomes comparable to other regular outgoings, like a monthly subscription service, gym membership, or regular takeaways.

For example, a healthy individual in their 30s could potentially secure a basic, yet effective, private health insurance policy for as little as £30-£50 per month, depending on location, chosen excess, and level of cover. This is a far cry from the notion of it being exclusively for the super-rich.

Myth 2: "The NHS Covers Everything, So Private Health Insurance is Redundant"

The National Health Service (NHS) is a truly remarkable institution, providing universal healthcare free at the point of use. For emergencies, critical care, and many long-term conditions, the NHS remains unparalleled and is a source of national pride. However, stating that it "covers everything" and makes private health insurance redundant overlooks the significant pressures the NHS faces and the unique benefits PMI offers.

Debunking the Myth

1. NHS Pressures and Waiting Lists: While the NHS excels in acute and emergency care, it often struggles with capacity for elective (non-emergency) procedures, diagnostics, and specialist consultations. Patients frequently face prolonged waiting lists for appointments, scans, and surgeries. This can lead to delays in diagnosis, increased anxiety, and a longer period of discomfort or reduced quality of life.

• Example: A patient might wait months for an MRI scan for knee pain on the NHS, followed by further months for a consultant appointment and potentially over a year for surgery. With PMI, these steps could be expedited to weeks or even days.

2. Speed of Access: One of the primary drivers for people opting for private health insurance is the ability to access consultations, diagnostic tests, and treatments much faster. This can be crucial for early diagnosis, peace of mind, and commencing treatment without unnecessary delays.

3. Choice and Control: The NHS operates on a needs-based system where you are allocated a consultant and hospital. Private health insurance, conversely, offers you significant choice:

• Choice of Consultant: You can often choose your preferred consultant, often based on their specialisation, experience, or reputation.
• Choice of Hospital: You can select a private hospital or a private wing of an NHS hospital that best suits your needs, location, or preferred amenities.
• Appointment Flexibility: Private appointments often offer more flexibility, allowing you to schedule them around your work or personal life.

4. Comfort and Privacy: Private hospitals generally offer a higher level of comfort and privacy:

• Private Rooms: Most private hospitals provide individual rooms with en-suite facilities, offering a quieter and more dignified recovery environment.
• Flexible Visiting Hours: Often more accommodating visiting policies for family and friends.
• Enhanced Amenities: Better food, quiet environments, and attentive staff can all contribute to a more positive patient experience.

5. Complementary, Not Substitutive: Private health insurance is best viewed as a complement to the NHS, not a replacement. For emergencies (e.g., a serious accident, heart attack), you'd still go to an NHS A&E. For chronic conditions (which are generally not covered by PMI, as discussed in Myth 3), your primary care will likely remain with the NHS. PMI steps in to cover acute conditions that arise after you take out the policy, offering faster access and greater choice for planned procedures and diagnostics.

Myth 3: "You Can't Get Private Health Insurance if You Have a Pre-existing Condition"

This is a common concern that often prevents people from even exploring private health insurance. While it's true that insurers do not typically cover pre-existing conditions, the myth that you cannot get a policy if you have one is misleading. You absolutely can get private health insurance, but it's crucial to understand how pre-existing conditions are handled.

Debunking the Myth

Let's be unequivocally clear: Private health insurance in the UK does not cover conditions you had before taking out the policy, nor does it cover chronic conditions. This is a fundamental principle across all UK insurers. However, this does not mean you are ineligible for cover. It simply means your policy will exclude any treatment related to those specific pre-existing conditions.

What is a "Pre-existing Condition"? An insurer will generally define a pre-existing condition as any disease, illness, or injury for which you have received medication, advice, or treatment, or experienced symptoms, before the start date of your policy, whether a diagnosis was made or not.

How Pre-existing Conditions are Handled:

Insurers use different methods of underwriting to assess your medical history:

1. Moratorium Underwriting (Morrie):

• How it Works: This is the most common and often the simplest method, as you don't need to provide detailed medical history upfront. Instead, the insurer applies a standard set of rules. For a specific pre-existing condition to become covered, you must not have experienced any symptoms, received any treatment, or had any advice for that condition (or a related condition) for a continuous period of time, usually two years, after your policy starts.
• What it Means: If your asthma, for example, flared up five years ago but you've had no symptoms, medication, or advice for it in the last two years, it might become covered after the initial two-year moratorium period on your new policy. However, if you had a symptom or treatment within the two-year moratorium, the clock resets for that condition.
• Benefit: Simplicity upfront.
• Drawback: You only find out if a condition is covered when you make a claim, which can sometimes lead to uncertainty.

2. Full Medical Underwriting (FMU):

• How it Works: With FMU, you provide a detailed medical history when you apply. You'll fill out a comprehensive health questionnaire, and the insurer may contact your GP for further information (with your consent). Based on this information, the insurer will make specific decisions about what is and isn't covered.
• What it Means: You'll receive a clear list of exclusions right from the start of your policy. For instance, if you had knee surgery five years ago, the insurer might explicitly exclude anything related to that knee.
• Benefit: Clarity and certainty from day one about what is and isn't covered.
• Drawback: Can be a more involved application process.

3. Continued Personal Medical Exclusions (CPME):

• How it Works: This method is used when you switch from one private health insurer to another. It allows you to transfer your existing underwriting terms, meaning any exclusions on your previous policy will continue on your new one. This ensures continuity of cover for conditions that would otherwise be considered "new" pre-existing conditions by your new insurer.
• Benefit: Seamless transition and protection of your existing cover terms.

The Key Takeaway: While your pre-existing conditions won't be covered, private health insurance will cover you for new, acute conditions that arise after you take out the policy. This means if you develop a new illness, require elective surgery for a new issue, or need diagnostics for an unrelated symptom, your policy will be there to help.

For instance, if you have a pre-existing heart condition but then develop carpal tunnel syndrome, your PMI will typically cover the diagnosis and treatment for the carpal tunnel, as it's a new, unrelated condition.

Myth 4: "Private Health Insurance is Too Complicated to Understand"

It's true that the jargon used in insurance policies can sometimes feel like a foreign language. Terms like "inpatient," "outpatient," "excess," and "chronic conditions" can be confusing, making people feel overwhelmed before they even begin. However, breaking down the core components reveals a logical structure, and with the right guidance, it's far more accessible than you might think.

Debunking the Myth

While a policy document can be lengthy, the fundamental elements of private health insurance are quite straightforward. Think of it as building blocks:

1. Core Cover (Inpatient & Day-patient Treatment):

• This is the foundation of almost all private health insurance policies. It covers treatment that requires a hospital stay (inpatient) or where you're admitted for a procedure but don't stay overnight (day-patient). This typically includes:
  • Hospital fees (accommodation, nursing care)
  • Consultant fees (for procedures, operations)
  • Diagnostic tests (MRIs, CT scans, X-rays) performed while admitted
  • Drugs and dressings
• Why it's crucial: This covers the most expensive elements of private healthcare, such as surgeries and extensive hospital stays.

2. Outpatient Cover (Optional Add-on):

• This covers consultations with specialists and diagnostic tests that don't require you to be admitted to a hospital. It's often an add-on, and you can choose varying levels of cover (e.g., full cover, a specified limit per year, or no cover to reduce your premium).
• Why it's important: Many conditions begin with outpatient consultations and tests to get a diagnosis before any inpatient treatment is needed.

3. Therapies (Optional Add-on):

• This covers complementary treatments recommended by a specialist, such as physiotherapy, osteopathy, chiropractic treatment, or psychotherapy. Limits on the number of sessions or monetary amounts often apply.

4. Mental Health Cover:

• Many policies now include some form of mental health cover, ranging from basic access to counselling helplines to comprehensive inpatient and outpatient psychiatric treatment. The level of cover varies significantly between insurers and policies.

5. Cancer Cover:

• Most comprehensive policies include robust cancer cover, including consultations, diagnostics, surgery, chemotherapy, radiotherapy, and sometimes even biological therapies or experimental drugs. It's vital to check the specifics of this cover, as some policies are more extensive than others.

6. Excess:

• This is the amount you agree to pay towards the cost of your treatment each year (or per condition, depending on the policy) before your insurer starts to pay. Choosing a higher excess will reduce your premium.

7. Annual Limits:

• Policies often have overall annual limits on claims, or specific limits for certain benefits (e.g., £1,500 limit for outpatient consultations, 10 sessions for physiotherapy).

The Role of an Expert Broker: WeCovr Simplifies It For You

This is precisely where a specialist health insurance broker like WeCovr comes in. Our entire purpose is to cut through the complexity and make private health insurance easy to understand and access.

We don't just present you with policy documents; we:

• Translate Jargon: We explain complex terms in plain English.
• Understand Your Needs: We take the time to listen to your specific health concerns, budget, and priorities.
• Compare the Market: We have in-depth knowledge of policies from all major UK insurers (such as AXA Health, Bupa, Vitality, Aviva, WPA, National Friendly, and more). We can compare their offerings side-by-side, highlighting the differences that matter to you.
• Tailor Solutions: We identify the policies that genuinely fit your individual or family circumstances, ensuring you don't pay for cover you don't need, nor miss out on essential benefits.
• Guide You Through the Process: From initial consultation to application, we're with you every step of the way, providing clarity and support.
• Our service is completely free to you, as we are paid by the insurers. This means you get expert advice and a seamless experience without any additional cost.

Myth 5: "Once You Have Private Health Insurance, You'll Never Use the NHS Again"

This myth suggests that opting for private health insurance means a complete departure from the NHS. In reality, private health insurance is designed to work alongside, and complement, the NHS, not replace it entirely. For many critical health services, the NHS remains the primary and most appropriate point of contact.

Debunking the Myth

1. NHS for Emergencies and Acute Incidents: If you experience a sudden, life-threatening emergency – such as a heart attack, stroke, or severe accident – your first point of call should always be 999 or your nearest NHS Accident & Emergency (A&E) department. Private hospitals generally do not have A&E facilities equipped to handle complex trauma or immediate life-saving interventions. Once stabilised, your private health insurance may then facilitate transfer to a private facility for ongoing treatment, if appropriate and covered by your policy.

2. General Practitioner (GP) Services: Your NHS GP remains your first port of call for most health concerns. They are typically the gatekeepers to both NHS and private specialist referrals. While some private health insurance policies now include access to virtual GP services (often 24/7), these are usually for initial consultations, prescriptions, and advice, not a replacement for your regular GP who holds your full medical history.

3. Chronic Conditions: As highlighted earlier, private health insurance is designed to cover acute conditions – those that are curable and return you to a previous state of health. It generally does not cover chronic conditions, which require ongoing management and have no known cure (e.g., diabetes, asthma, epilepsy, multiple sclerosis). For these conditions, you will continue to rely on the NHS for your long-term care, medication, and monitoring.

4. Routine Maternity Care: Most standard private health insurance policies do not cover routine pregnancy and childbirth. While some offer cash benefits for newborn care or complications, the vast majority of maternity services in the UK are provided by the NHS. If private maternity care is a priority, it typically requires a separate, specialised (and often very expensive) policy.

5. Other NHS Services: You'll continue to use the NHS for services such as:

• Organ transplants (highly specialised, often complex, and usually performed by the NHS).
• Very rare conditions or experimental treatments that are not widely available privately.
• Community services like district nurses or health visitors.

How PMI Complements the NHS:

Private health insurance is particularly valuable for:

• Planned Procedures: Elective surgeries (e.g., hip replacements, hernia repairs, cataract surgery).
• Specialist Consultations: Getting a rapid appointment with a consultant for a new symptom or condition.
• Diagnostic Tests: Quickly accessing MRIs, CT scans, endoscopies, etc., to get a swift diagnosis.
• Therapies: Accessing physiotherapy, osteopathy, or mental health therapy sessions without long waits.

In essence, private health insurance allows you to bypass NHS waiting lists for non-emergency, planned care, offering speed, choice, and comfort. However, for emergencies and chronic care, the NHS continues to be your indispensable healthcare provider. Many private consultants even work within NHS hospitals, seamlessly integrating private care with the wider healthcare system.

Myth 6: "All Private Health Insurance Policies Are the Same"

This myth can be particularly detrimental, leading individuals to choose unsuitable cover or believe that comparing policies is futile. Nothing could be further from the truth. The private health insurance market is incredibly diverse, with a vast array of policies, benefits, exclusions, and pricing structures.

Debunking the Myth

Treating all private health insurance policies as identical is like assuming all cars are the same – they might all get you from A to B, but the features, comfort, performance, and price vary enormously.

1. Varying Levels of Core Cover: While inpatient and day-patient treatment forms the core, the extent of this cover can differ. Some policies might have higher limits for hospital fees or specialist fees than others.

2. Outpatient Cover: A Key Differentiator: This is one of the most variable aspects. Policies can offer:

• Full Outpatient Cover: No monetary limit on consultations or tests.
• Limited Outpatient Cover: A cap on the total amount you can claim for outpatient services per year (e.g., £1,000, £1,500, £2,000).
• No Outpatient Cover: You pay for all outpatient costs yourself, relying on the policy only once you are admitted for treatment.

3. Cancer Cover Specifics: While most policies include cancer cover, the specifics are crucial. Differences can include:

• Drug Coverage: Whether all licensed cancer drugs are covered, including those not routinely available on the NHS (e.g., some biological therapies).
• Follow-up Care: The extent of post-treatment rehabilitation and monitoring included.
• Palliative Care: Whether hospice care or palliative home nursing is included.

4. Mental Health Provisions: This area has seen significant expansion, but coverage varies from:

• Basic Helplines: Access to a phone counselling service.
• Limited Outpatient Therapy: A few sessions of talking therapy.
• Comprehensive Inpatient & Outpatient Care: Covering psychiatric consultations, therapy, and hospital stays for mental health conditions.

5. Therapy Allowances: Policies will specify which therapies are covered (e.g., physiotherapy, osteopathy, chiropractic, podiatry) and often have limits on the number of sessions or the total cost.

6. Hospital Network Access: Insurers typically offer different tiers of hospital networks:

• Full National Access: Including central London hospitals (most expensive).
• Mid-tier Networks: Excluding very expensive central London hospitals.
• Localised or Restricted Networks: Limiting you to a specific list of hospitals, often resulting in lower premiums.

7. Added Value Benefits: Many policies now come with a suite of additional benefits:

• Virtual GP Services: 24/7 access to online GP consultations.
• Wellness Programmes: Discounts on gym memberships, health assessments, wearables (e.g., Vitality's comprehensive wellness programme).
• Digital Physiotherapy: Online access to physio programmes.
• Second Medical Opinions: Access to expert opinions for complex diagnoses.
• Health Lines: Telephone helplines for general health advice.

8. Insurer Differences: Beyond the policy structure, the insurers themselves have differences in:

• Customer Service: How easy is it to make a claim? How responsive are they?
• Claims Process: Digital tools, speed of authorisation.
• Underwriting Flexibility: How they handle specific medical histories.

It’s clear that picking a policy at random, or simply going with the cheapest option, can leave you either overpaying for features you don't need or, worse, underinsured when you most need support.

At WeCovr, we pride ourselves on our impartial advice and comprehensive market access. We work with all the major UK health insurers, allowing us to compare their diverse offerings and pinpoint the policy that aligns perfectly with your individual needs, budget, and preferences. We don't just sell you a policy; we help you understand the nuances so you can make a truly informed choice. And remember, our expertise comes at no cost to you.

Myth 7: "It's Impossible to Switch Private Health Insurance Providers"

Some people believe that once you commit to a private health insurance provider, you're locked in for life, particularly if you've developed new conditions during your policy term. This is simply not true. While there are considerations, switching providers is not only possible but can often be beneficial, and we at WeCovr frequently assist clients with this process.

Debunking the Myth

1. The Annual Review Opportunity: Private health insurance policies are typically renewed annually. This renewal period is the ideal time to review your current cover, assess if it still meets your needs and budget, and explore options from other providers. Insurers may increase premiums at renewal, and shopping around can often secure a more competitive rate for similar or even better cover.

2. Continued Personal Medical Exclusions (CPME): This is the most significant factor that makes switching straightforward for many. CPME allows you to move your private health insurance from one insurer to another without having to undergo new medical underwriting for conditions that have arisen since your original policy started.

• How it Works: If you had a new condition covered by your previous insurer, and you switch using CPME, your new insurer will typically honour the existing underwriting terms for that condition. This means it will continue to be covered by your new policy, provided it's an acute condition and not chronic or pre-existing from your original policy start date.
• Benefit: This avoids the dreaded "new pre-existing condition" trap. Without CPME, any condition you developed while with your old insurer would be considered "pre-existing" by a new insurer and thus excluded. CPME provides continuity of cover.

3. New Underwriting Options: While CPME is generally preferred for continuity, you can always opt for new full medical underwriting (FMU) with a new insurer. However, be aware that this essentially resets the clock. Any conditions you've developed since your original policy started would now be considered pre-existing by the new insurer and would likely be excluded. This option is usually only considered if your health has significantly improved, and you are confident new underwriting would be more favourable.

4. Why Switch? There are several valid reasons why you might consider switching providers:

• Better Premiums: A new insurer might offer a more competitive price for comparable cover.
• Enhanced Benefits: Another insurer might offer benefits that better suit your evolving needs (e.g., more comprehensive mental health cover, better wellness programmes, broader hospital network).
• Improved Service: You might be dissatisfied with your current insurer's customer service or claims process.
• Changes in Circumstances: Your health needs, family situation, or budget might have changed, necessitating a different type of policy.

How WeCovr Facilitates Switching: We make the process of switching providers simple and stress-free. We will:

• Review Your Current Policy: Understand your existing cover, renewal terms, and any conditions you've claimed for.
• Explore the Market: Search across all major UK insurers to find policies that offer equivalent or improved cover at a more competitive price.
• Advise on Underwriting: Explain the implications of CPME versus new underwriting, ensuring you choose the best option for your circumstances.
• Handle the Paperwork: Assist with the application process, ensuring a smooth transition between providers.
• Ensure Continuity: Our goal is to ensure you maintain continuous cover and don't inadvertently lose benefits.

Switching doesn't have to be a daunting task. With expert guidance from us at WeCovr, it can be a smart move to optimise your private health insurance cover and cost.

Beyond the Myths: The Real Value of UK Private Health Insurance

Having debunked the common myths, let's briefly recap the tangible benefits that private health insurance can offer, painting a clearer picture of its true value in the UK healthcare landscape:

• Speed of Access: Significantly reduced waiting times for specialist consultations, diagnostic tests (MRI, CT scans), and elective surgeries. This can lead to earlier diagnosis and faster treatment, reducing anxiety and improving outcomes.
• Choice and Control: The power to choose your consultant and hospital, allowing you to select specialists based on their expertise, reputation, or location. You can also often choose appointment times that fit your schedule.
• Comfort and Privacy: Access to private rooms with en-suite facilities, more flexible visiting hours, and a generally calmer, more private environment for recovery.
• Peace of Mind: Knowing that should an acute health issue arise, you have options beyond the NHS waiting lists, offering reassurance for you and your family.
• Proactive Health Management: Many modern policies include valuable benefits like virtual GP services, wellness programmes, and mental health helplines, promoting a more proactive approach to health.
• Specialised Care: Access to a wider range of consultants and sometimes treatments that might not be readily available or quickly accessible on the NHS.

Private health insurance is not about bypassing the NHS entirely; it's about giving you greater flexibility, control, and faster access to care for specific, acute conditions, complementing the excellent foundation provided by the public health system.

Choosing the Right Policy with WeCovr: Your Expert Guide

Navigating the complexities of private health insurance, even with the myths debunked, can still feel like a big decision. That's where we, WeCovr, truly shine. We exist to simplify this process for you, ensuring you find the best possible private health insurance cover without the jargon, the confusion, or the legwork.

Our Value Proposition:

• Impartial Advice: We are an independent health insurance broker, meaning we are not tied to any single insurer. Our advice is genuinely unbiased, focused solely on finding the right solution for your needs.
• Comprehensive Market Access: We work with all the leading private medical insurance providers in the UK, including AXA Health, Bupa, Vitality, Aviva, WPA, National Friendly, and more. This means you get a complete view of the market, not just a handful of options.
• Personalised Service: We take the time to understand your unique health requirements, budget constraints, family situation, and priorities. We don't believe in off-the-shelf solutions; we believe in tailored cover.
• Cost-Free Expertise: Our service is completely free to you, the client. We are remunerated by the insurers, ensuring you receive expert, professional guidance and support without any additional cost.
• Ongoing Support: Our relationship doesn't end once your policy is in place. We are here to assist with renewals, claims queries, policy adjustments, and any other support you might need throughout the life of your policy.

The WeCovr Process:

1. Initial Consultation: We begin with a friendly, no-obligation chat to understand your specific needs, health concerns, and budget.
2. Market Comparison: Based on our detailed discussion, we meticulously compare policies from all major UK insurers, identifying the options that best fit your criteria.
3. Explanation & Guidance: We present the most suitable options in clear, easy-to-understand terms, highlighting the pros and cons of each, explaining the policy wording, and answering all your questions.
4. Application Support: Once you've made your decision, we guide you through the application process, ensuring all details are correct and submitted efficiently.
5. Post-Sale Support: We remain your point of contact for any future queries, helping with annual reviews, claims assistance, or any changes you might need to make to your policy.

Conclusion

Private health insurance in the UK is a valuable tool that can significantly enhance your access to healthcare, offering speed, choice, and comfort. However, its true potential is often obscured by common myths that deter people from exploring its benefits.

By debunking the notion that it's only for the rich, clarifying its complementary role to the NHS, explaining how pre-existing conditions are handled, and demonstrating its varied and customisable nature, we hope to have provided you with a much clearer understanding.

Don't let misconceptions prevent you from considering options that could provide immense peace of mind and timely access to care. At WeCovr, we are dedicated to helping you navigate this landscape effortlessly. We're here to provide impartial, expert advice, compare options from all major UK insurers, and secure the best coverage for you and your family, all without any charge.

Take the first step towards a more informed healthcare future. Reach out to WeCovr today for a no-obligation discussion and discover how private health insurance could work for you.