Private health insurance pays for a person’s medical expenses. Private insurance is available through private companies (not run by the government), and the insured individual pays a monthly fee for their insurance. Often, employers will subsidize a portion of the monthly insurance cost. Different private health insurance plans vary as to what procedures, treatments, and procedures are covered. Many plans cover routine, emergency, and preventive care. It is important to call your insurance provider to determine what providers (doctors, hospitals, clinics, etc.) are paid for by your specific plan.