CHOOSING AN INSURANCE PLAN - FOUR CAREER HEALTH INSURANCE PLANS

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FOUR DIFFERENT TYPES OF CAREER HEALTH INSURANCE PLANS

  1. Plans that provide lifetime coverage overseas and in the USA. The coverage is seamless--you can leave and return to the USA at your leisure and always have insurance coverage.
  2. Plans that put temporary or permanent riders on pre-existing conditions. If the company puts temporary riders, e.g., two-, three-, or five-year riders on a condition, after that time period the pre-existing conditions will be covered. Sometimes the only way to get coverage anywhere is to accept a permanent rider.
  3. Plans that put a waiting period on pre-existing conditions. Generally this waiting period is two years. Sometimes companies also will include permanent riders. Plans like this are acceptable if you are not concerned about the pre-existing conditions.
  4. Plans that exclude coverage in the USA or in the USA and Canada. These plans are always less expensive than the plans above because they are excluding the location of the most expensive medical care in the world. If you live in an area where the medical care is very good, you may prefer a plan like this. We heard recently that one individual had a heart transplant done in Germany for $25,000. The same operation would cost $250,000 in the USA.

Good Neighbor Insurance carries all of these types of plans. You can get a good overview of them at http://www.gninsurance.com/career_plans.asp.

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Health Insurance in the USA

"Jeff, I just wanted to say a quick "Thank You" for the newsletter, or "Quarterly E-Bulletin." I don’t know if this is all your work or a team, or you buy content, or just who puts it together; but I’ve gotta say it’s one of the few pieces of its kind that I actually *read* top-to-bottom. [The "Quarterly Bulletin" is written by Jeff, assisted by the GNI staff.]"

(DS, Pennsylvania)

"Nelma, Thank you so much for your immediate help in getting my credit from the insurance company. It’s this kind of service from you and your partners that keeps me coming back to GNI for ALL my international insurance needs. "

(KD, California)

"Trish, Thanks so much for your follow-up on this. We actually got a check in the mail already, covering all the charges minus the $250 deductible. I was surprised and pleased that we got it so quickly! Thank you again for taking care of us. You have been extremely helpful, Trish."

(AR, Indiana)

"Doug, I wish to thank Pei for the first class service I received. I value great customer service having worked for a Japanese airline for 17 years. I believe the service reflects the management."

(TM, New York)

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