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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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Back to MAIN INDEX "Tips for Understanding International 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
CONTROLLING UNBEARABLE INSURANCE RATES
This is an annual problem for those who have international health insurance. Let me give several suggestions:
(1) Choose a high deductible of at least $1,000. A deductible of $2,500 or $5,000 is better yet if you have some reserve money in savings. This will have a definite impact on your insurance premium.
(2) Choose a policy with "capped" coverages. Instead of guaranteeing an unlimited amount of money for a normal childbirth, they limit the coverage to $4,000. That is enough to cover the delivery of a baby almost anywhere in the world.
(3) Choose a plan with less maximum coverage. Instead of getting $1,000,000 or $5,000,000 in coverage, settle for $500,000.
(4) Select a short-term plan. Some short-term plans can be renewed up to three years.
(5) Choose a career plan that will not cover you in the USA. Then, when coming on furlough, take out a short-term plan that will cover you during your visit.
(6) If you need maternity, put your wife on a maternity plan and yourself and children on a non-maternity plan. This will often save $40 a month or more.
None of these are "ideal" solutions, but if you start with one of these and after a year your financial situation improves, you can then upgrade your insurance coverage. If you are putting out $200 a month now for insurance, in a couple of years bumping that up to $300 for a better plan will be easier than going from $0 for no insurance to $300 now.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
