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INTERNATIONAL HEALTH INSURANCE |
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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
HOW LARGE A DEDUCTIBLE SHOULD I CHOOSE?
Deductibles run all the way from $100 to $10,000 depending on the plan. Usually the rates drop dramatically between $500 and $1,000. Thus we seldom encourage a person to take out a $500 deductible. I think the best buy is the $1,000 deductible.
Generally speaking, if we are pressed, we can find $1,000 to cover the deductible in a medical emergency. And the money saved in lower monthly premiums will in a very few months add up to that $1,000.
Co-insurance is another matter to keep in mind. Most companies run a 20/80 plan in the USA with no co-insurance when outside the USA. What does this mean? It means that if you have a medical situation in the USA, you will need to pay your deductible plus 20 percent of the next $5,000. In a worse case scenario, you will be out $2,000 ($1,000 for the deductible and 20 percent of $5,000 which is another $1,000). Overseas some companies waive the co-insurance and only require you to meet the deductible.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
