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INTERNATIONAL HEALTH INSURANCE |
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WHY GET LONG-TERM GROUP INSURANCE FOR OVERSEAS STAFF?
AFFORDABLE GROUP TERM
INSURANCE FOR FIELD STAFF
GROUP COVERAGE --
COMPLETE TAKEOVER
GROUP INSURANCE FOR TWO OR
MORE UNITS?
GROUP INSURANCE LESS EXPENSIVE THAN
INDIVIDUAL INSURANCE?
GROUP HEALTH INSURANCE FOR SUB-GROUPS OF NGOs
SWITCHING YOUR GROUP COVERAGE
SOME KEY
ADVANTAGES OF GROUP INSURANCE
GROUP HEALTH
COVERAGE FOR A “SMALL” ORGANIZATION
ONE KEY
ADVANTAGE OF “TRUE GROUP” INSURANCE
THE VALUE
OF GETTING A GROUP INSURANCE QUOTE
KEY
QUESTIONS WHEN CHOOSING CAREER HEALTH COVERAGE
BEFORE
YOU GO – A TRAVEL MEDICAL CHECKLIST
GROUP INSURANCE FOR NON-AMERICAN ORGANIZATIONS
MEDICAL
EVACUATION – HOW MUCH COVERAGE DO WE NEED?
SOME KEY ADVANTAGES OF GROUP INSURANCE
Group insurance is not always less expensive or more expensive that
individual long-term insurance. The rates/premiums are based on the average
age of the group, the medical history of the group, and the benefits of the
insurance plan. But whether more or less expensive than individual
insurance, there are some definite benefits:
(1) Workers on group insurance that leave the company can switch over to
COBRA when they return to the USA, and can be on COBRA for up to 18 months.
This is very important if an individual has medical issues that would keep
them from getting individual insurance. COBRA is not available for people on
individual plans!
(2) Workers also have the option, after COBRA, of switching to HIPAA (Health
Insurance Portability and Accountability Act). Every insurance company is
required by federal law to insure a person on an individual plan if that
person has been insured on a group plan. Again, this is a great benefit if a
person has a chronic and/or terminal illness and cannot get individual
insurance.
(3) Group insurance makes it possible for workers who would be uninsurable
on an individual plan to have health insurance. No one is declined for
coverage or “ridered” on group insurance plans. All pre-existing conditions
are covered.
(4) Finally, group insurance develops cohesion in the company. It is a sign
of the employees caring for each other and of management working together
with employees. It provides for team unity and team spirit.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
