CHOOSING AN INSURANCE PLAN - EXCLUDED USA COVERAGE HEALTH RATES

About the Resource Library

This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

• 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

HEALTH RATES IF COVERAGE IN THE USA IS EXCLUDED

With soaring insurance costs everyone is looking for a way to control their health insurance premium. One way is to take out a long-term policy that only provides coverage outside the USA. Then, when you come on furlough, take out a short-term policy for furlough coverage. Here is a comparison of what rates look like when US coverage is excluded for a couple in their early thirties with two children under nine and a $1000 deductible: Including coverage in the USA = $2258 per year; Excluding coverage in the USA = $1694 per year. Thus rates excluding the USA are 25 percent lower. Of course, you would need furlough coverage which would be about $150-$200 per month during your furlough, depending on deductibles, etc.

1. Individuals usually want to receive medical care in their home country for serious illnesses
2. If you are in Europe or certain places in Asia or South Africa, you can get excellent medical care, plus there are excellent world-class hospitals in many other countries
3. Preexisting conditions are not covered on short-term plans

However, for those who are interested in cutting the cost of their insurance, excluding the USA in a policy is an option.

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690 E. Warner Rd. Suite 117
Gilbert, AZ 85296, USA

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