The importance of travel insurance: when things go wrong is something we never want to think about. Vacations are supposed to be wonderful times with family and friends. Vacations are supposed to be exciting times. Sadly, life throws us curve balls. Even bad things happen to good people, even on vacations. What happens when the […]
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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 […]
ERISA Compliance FAQs
ERISA Compliance FAQs What is an ERISA Plan? The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers. ERISA includes requirements for both retirement plans (for example, 401(k) plans) and welfare benefit plans (for example, group health plans). ERISA has […]
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 […]
Emergency medical evacuation benefit for overseas travel
Emergency Medical Evacuation includes medical due to outbreaks, epidemics, threat of natural disaster, even political evacuation due to civil unrest (treated separately), and emergency medical evacuation to the nearest qualified medical facility that can handle the medical condition. It includes expenses for reasonable transportation (either public transport or private as reasonable based on the condition) […]
Why do I need travel insurance while outside my home country?
“I never have a major medical concern when I travel overseas” is what I hear every-so-often from our guests at Good Neighbor Insurance. And for sure that may be the case for most. But what about those who do have medical conditions while they are traveling outside their home country? How will they pay for […]
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 […]
Health insurance for international students in the U.S.
All international students studying in the U.S. must have U.S. based or equivalent medical health insurance to include repatriation of remains (in the event of you passing on) and medical evacuation back to your home country of residence. There are four major options for you: 1. Your College or University that you will be attending […]
About On-site medical case management and evacuation – Hong Kong, China
Good Neighbor Insurance, Inc provides top-notch international travel insurance benefits that include medical evacuation. You may view one of our best evacuation travel plans for those who are traveling and residing overseas for business that also covers security evacuation at www.onlineglobalhealthinsurance.com/global-rescue.asp. We have a variety of other travel insurance plans that you may view at […]
Most U.S. colleges and universities require health insurance for their international students
Good Neighbor Insurance, www.gninsurance.com, provides international student insurance coverage in the U.S. for non-U.S. citizens studying in the U.S. Our web page at www.gninsurance.com/students.asp provides many student plans for international students studying in the U.S. It is not a US. Federal requirement to have student insurance for your students but it can be and should […]
Understanding medical loss ratio (MLR)
Good Neighbor Insurance (www.gninsurance.com and www.gninsurance.com) is continuing to update our clients on the new health insurance laws. There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are there and it all depends on how old you are […]
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/arizona-term-life-insurance/. Life insurance companies are only looking at the “major” medical illnesses when one applies for term life insurance. Thus, instead many medical questions […]
Understanding the basics of FSA, HRA, and HSA plans for U.S. group insurance
Good Neighbor Insurance (www.gninsurance.com) is continuing to update our clients on the new health insurance laws that were signed into law in the spring of 2010. There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are there and […]
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 […]