Travel insurance is a must, as Hotchkiss School realized. Americans, in general, do not realize the importance of travel medical insurance when they leave the U.S. This blog article is not just about ticks. But also about the need to have travel medical insurance. Organizations must minimize their liability footprint when they send people overseas on […]
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Why Emergency Evacuation is Vital to Your Health and Wallet
Emergency evacuation is often the most expensive part of the bill if you are hurt overseas and is often considered the most important part of any emergency travel health insurance. As a layperson, I’ve been learning that it is much more than a simple helicopter coming to get you and taking you to the […]
Repatriation of Remains explained
Return of Mortal Remains/ Repatriation of Remains explained: The Return or Repatriation of Remains benefit included in all of our travel insurance plans is designed to cover the costs associated with returning your body to your home country if you were to pass away. Plus, some things you can do to make things easier if […]
Natural disasters during your overseas trip can cause havoc to your travels
Natural disasters during your overseas trip can cause havoc to your travels in more ways than one. Then add the financial loss you may face due to change your itinerary or extra cost for medical and evacuation care for you and your family. This year, 2016, The National Oceanic and Atmospheric Administration’s (NOAA) Atlantic hurricane […]
I hate insurance but…
Our owner recently said, “I hate insurance” in a training meeting for our staff. He also said “I don’t think I’m unique in feeling that way.” Since we offer travel insurance and overseas medical insurance for those working and living abroad, it got my attention. After he said “I hate insurance”, I furiously wrote down […]
Dental Benefits are an important part of the total medical insurance benefit package
Dental Benefits are an important part of the total medical insurance benefit package. Here is some good information on dental coverage, the benefits, and options you may want to take. Call one of our agents here at Good Neighbor Insurance at 480-813-9100 for dental insurance options or go to our dental web page at https://www.gninsurance.com/resources/ask-doug/aca-plans/az/arizona-dental-insurance/. We are […]
Embedded and Non-embedded Deductibles
Deductibles can be confusing. If you have family health insurance coverage, it’s incredibly important for you to understand the type of deductible your plan uses. What are embedded and non-embedded deductibles exactly? Not understanding types of deductibles or being aware of the latest IRS rules may lead you to unknowingly select a health plan that […]
International medical insurance indemnity benefit
What is an indemnity benefit on international medical insurance policy? (https://www.gninsurance.com/health/) Great question! An indemnity benefit on plans such as our GMMI international medical insurance career plan or GMI International health insurance works as follows: A cash benefit of $400 per day (in addition to medical expenses paid) sent directly to the insured for approved […]
Why do life insurance companies require blood test?
Good Neighbor Insurance, Inc provides term life insurance to our clients in Arizona and throughout the U.S. To understand more about term life insurance please go to our web page at https://www.gninsurance.com/resources/ask-Doug/ACA-plans/AZ/. Life insurance companies are only looking at the “major” medical illnesses when one applies for term life insurance. Thus, instead many medical questions […]
Medical Evacuation – Medical transportation 101
Good Neighbor Insurance Inc, has been involved in providing international health care cover to our clients since 1997. HTH is one of our top career and short term/travel companies we provide and is one I personally use when I travel overseas on my diving trips. Not only is HTH an “A” rated company but they have […]
Understanding Pre-existing Medical Conditions
Don’t we all have some pre-existing condition? To quote from an unknown author, “No one is perfect…that’s why pencils have erasers.“ So what is a pre-existing condition? Imagine you contact your car insurance agent on a Monday morning to tell him you want to take out car insurance to pay car repairs. The car is now in the garage being fixed because […]
Buying Health Insurance is Like Buying a Car
Bells and whistles on a car increase the cost. So it is with health insurance. Adding benefits only increases your premiums. One way to lower premiums is to increase your deductible and decrease the amount of benefits.
Do you realize your health care plan may not cover you in Canada?
Is traveling to Canada from the U.S. for the Vancouver Winter Olympics considered an international trip? Yes. Your U.S. domestic health insurance plan – whether it is individual, group, Medicare or Medicaid – will not cover you in Vancouver for medical evacuation. They may cover doctor and hospital visits, but they won’t cover you for medical […]
What’s the Difference Between an Insurance Agent and and Insurance Broker?
An Insurance Agent is usually the representative of one company. Good agents focus on helping clients understand the insurance products of their company. An Insurance Broker represents the client and not a specific company. Brokers, because they have contact with many companies, can offer a wide variety of products. This helps clients find the best […]
What is a Pre-Existing Condition and Will My Health Insurance Cover It?
Never lie on your health insurance application. You will be asked about your medical history because the insurance company is looking for pre-existing conditions. This short blog will tell you what a pre-existing condition is and how it will affect your ability to get affordable health insurance.
