MANAGING YOUR INSURANCE - KNOW YOUR POLICY

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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

KNOW YOUR INSURANCE PLAN

I purchased my first American health insurance after being overseas for 30 years. The agent explained everything to me, but I understood very little. I gave him my check and filed away the insurance material he gave me. Never once read did I look over the material, but faithfully sent the company a check every month. I am aware now that the coverage was fine, but at that time I was not aware of the details of my coverage.

Many times we get calls from our clients who have purchased an insurance plan, but are mistaken concerning what is covered. I know reading insurance material is boring. Yet it is essential that you have a fair grasp of what is covered by your policy.

Read the insurance material before you purchase the policy. Highlight items that you don’t understand or that you think are important. Then contact your agent and ask for an explanation. If you are not satisfied with his/her answers, ask for a second agent.

Also read the small print in your policy. You must always keep in mind the old insurance adage, “The large print giveth and the small print taketh away.” Especially read the “Exclusion” page and the definition of “pre-existing conditions.” Another good adage to keep in mind is, “If it sounds too good to be true, it probably isn’t.”

People who tend to be disappointed with their insurance are disappointed because they expect the insurance to cover something that is excluded from coverage in their policy. To avoid this, “Know your Policy.”

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Health Insurance in the USA

"Jeff, I just wanted to say a quick "Thank You" for the newsletter, or "Quarterly E-Bulletin." I don’t know if this is all your work or a team, or you buy content, or just who puts it together; but I’ve gotta say it’s one of the few pieces of its kind that I actually *read* top-to-bottom. [The "Quarterly Bulletin" is written by Jeff, assisted by the GNI staff.]"

(DS, Pennsylvania)

"Nelma, Thank you so much for your immediate help in getting my credit from the insurance company. It’s this kind of service from you and your partners that keeps me coming back to GNI for ALL my international insurance needs. "

(KD, California)

"Trish, Thanks so much for your follow-up on this. We actually got a check in the mail already, covering all the charges minus the $250 deductible. I was surprised and pleased that we got it so quickly! Thank you again for taking care of us. You have been extremely helpful, Trish."

(AR, Indiana)

"Doug, I wish to thank Pei for the first class service I received. I value great customer service having worked for a Japanese airline for 17 years. I believe the service reflects the management."

(TM, New York)

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