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INTERNATIONAL HEALTH INSURANCE |
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CHOOSING A HEALTH INSURANCE PLAN-- WHAT TO LOOK
FOR
CHOOSING A HEALTH PLAN
AVOID BEING DECLINED FOR HEALTH INSURANCE
CONTROLLING UNBEARABLE INSURANCE RATES
SPLITTING POLICIES--A WAY TO SAVE MONEY
HOW LARGE A DEDUCTIBLE SHOULD I CHOOSE?
HIGH OR LOW DEDUCTIBLES--WHAT'S BEST?
WANT TO SAVE MONEY? CHOOSE A HIGH DEDUCTIBLE
HOW MUCH SHOULD I REVEAL ON MY APPLICATION?
AUTOMATIC CREDIT CARD DEDUCTIONS
THE
LARGE PRINT GIVETH, THE SMALL PRINT TAKETH AWAY
WHEN SHOULD I
SUBMIT MY INSURANCE APPLICATION?
FINALLY! CAREER
HEALTH INSURANCE FOR SINGLE WOMEN
THE WISDOM OF A
HIGH DEDUCTIBLE
OPTIONS FOR
COVERAGE OF PRE-EXISTING CONDITIONS
“STRONG” & “WEAK” CAREER
INTERNATIONAL HEALTH PLANS
MEDICAL
EVACUATION – HOW MUCH COVERAGE DO WE NEED?
LOW
DEDUCTIBLE. HIGH DEDUCTIBLE. WHAT’S BEST?
FOUR
DIFFERENT TYPES OF CAREER HEALTH INSURANCE PLANS
WHAT TO LOOK FOR
WHEN RATES ARE TOO GOOD TO BE TRUE
HEALTH INSURANCE
COVERAGE HERE, THERE, OR HERE & THERE?
TEN REASONS TO
PURCHASE GLOBAL CITIZEN.
WHEN IS A PLAN WITH
A STRICT PRE-EXISTING REQUIREMENT A GOOD IDEA?
HEALTH RATES IF
COVERAGE IN THE USA IS EXCLUDED
THE WISDOM OF A HIGH DEDUCTIBLE
More and more insured are asking for a high deductible when they purchase
insurance, but “high” generally means $1000. It is true that the $1000
deductible is the most cost- effective. Just compare the following annual
rates for a male between 35-39 on a good global plan: $250d = $1322; $500d =
$1175; $1000d = $909; $2500d = $805; $5000d = $658; $10,000d = $517.
If a person goes from a $250d to $1000d, he can save $413 a year. If he does
not have any major medical costs in two years, he will save $826, which is
nearly enough to pay the $1000 deductible his third year on the plan. During
my career overseas I was in the hospital one time in 30 years with
Hepatitis. Thus with a deductible of $1000, I would have saved $12,390 over
those 30 years. Similar savings would also be available for other members of
the family.
You will notice, however, when you jump from a $1000d to a $2500d, the
savings are minimal--only $104 a year--even though you are adding $1500 to
the deductible. So the most cost-effective deductible at the present time is
the $1000 deductible.
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