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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
“STRONG” & “WEAK” CAREER INTERNATIONAL HEALTH PLANS
“Strongest” and “weakest” is relative because it depends what you are
looking for. If you consider a “strong” plan one that will cover you
long-term overseas as well as in the USA, one that has co-pays, one that is
direct pay (no cash involved), one that has no maternity waiting period,
good wellness check-ups, a worldwide PPO, that kind of plan is now
available. Obviously, the plan will be more expensive than regular
international plans, but not more expensive than some standard USA plans. A
couple in their mid-twenties on this plan with a $1000 deductible outside
the USA would have a monthly premium of $266.
A so-called “weak” plan might be one that capped coverage for a CAT Scan or
MRI at $600, provided up to $600 a day for hospital room and board, provided
limited maternity coverage even with a 12-month waiting period, and did not
provide permanent coverage in the USA beyond the allotted furlough time. A
plan like this for a couple in their mid-twenties with a $1000 deductible
would have a premium of $138 per month.
Many international workers opt for “middle-of-the-road” plans. They don’t
like to pay $266 a month, but they also don’t like having “capped” coverage
for MRIs, etc. Such plans require a 12-month waiting period for maternity,
allow furlough coverage in the USA, provide some wellness check-ups, etc.
These plans may put “riders” on pre-existing conditions. A plan like this
with a $1000 deductible for a couple in their mid-twenties will have a
monthly premium of around $245.
The rates on most of the “weak” and “middle-of-the-road” plans can be
lowered by five percent to ten percent by paying annually instead of
monthly.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
