LIBRARY OF INTERNATIONAL MEDICAL AND HEALTH INSURANCE INFORMATION AND RESOURCES
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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

INTERNATIONAL HEALTH INSURANCE

   

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CHOOSING AN INSURANCE PLAN

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 

WANT TO SAVE MONEY? CHOOSE A HIGH DEDUCTIBLE

More and more, even in domestic insurance, people are looking for a high deductible.  That simply means the amount of money the client pays before the insurance starts to cover medical costs.  Many people used to ask for a $100 or $250 deductible.  We are advising clients to consider a $1,000 deductible.  That sounds unreasonably high to many people.  Yet the premium savings are so significant that generally the money saved in one year from lower premiums (the higher the deductible the lower the premiums) will more than make up for the higher deductible if a person had to use insurance for hospitalization.

Most of us, in a crunch, could find $5,000.  It is the $50,000 and $100,000 bill that scares us.  We do have clients asking for $5,000 deductibles.  And we do have plans that offer $10,000 and $20,000 deductibles.  One way to look at this is to ask yourself, “How many years since I have been hospitalized or had a health insurance bill over $5,000?”  If it has been a long time, and you are in relatively good health, maybe a $5,000 deductible would work for you.

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Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com

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