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.
Recent Articles
A Look at Healthcare Systems Around the World – England
Britain’s health care system may offer “free” health care for its citizens, but most don’t see the hidden costs of such a system.
Americans Travel Overseas to Cut Medical Costs
The popularity of medical tourism is increasing exponentially as people seek lower prices for medical procedures. Each traveler should plan to purchase international travel insurance.
Spain – A look at Health Care Systems around the world
Spain’ national health care system operates on a highly decentralized basis, giving primary responsibility to the country’s 17 regions. The Spanish Constitution guarantees all citizens the “right” to health care- including equal access to preventative, curative, and rehabilitative services. Coverage under the Spanish system is nearly universal, estimated at 98.7% of the population. The federal […]
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 […]
Four Tips for a Successful Short Term Trip
A Princeton University study in 2005 found that 1.6 million people took short-term mission trips for an average of eight days. The cost? About $2.5 billion a year. If we fast forward and include non-mission short term trips, the amount today would be closer to $4 billion. If you are planning a short term trip […]
Four Things Short Term Trips Offer Seniors
When planning Short Term trips, most people’s hopes are for teens and young people to get fired up about living their purposefully. After all, that’s when a person lays a foundation for the rest of their life. But what about those who already have a foundation and maybe have some wisdom to go with it? Seniors […]
Five Aids to Effective Short Term Trip Planning
1. Research. Find out what the people on the ground need. Plan to make a difference “over there,” not just in the lives of your short term volunteers. Many short term trip planners make the mistake of first asking for volunteers and then trying to find a project. Rather, find the project first and then […]
Five Tips for Debriefing a Short Term Team
As the saying goes, “Hindsight is 20/20.” Good debriefing can help planners turn hindsight into foresight for next year’s summer trips. So here are five things to consider when debriefing your team. 1. Keep it laid back. Have you ever noticed that mountain-top experiences are exhausting? Most teams are ready for a “vacation” when they […]
Four Ways Short Term Trips Can Help Teens
The teen years are full of questions, or at least they should be. It’s a time for learning what life is really about and finding purpose and direction to last for years to come. But many teens find the affluence of American life too small a challenge. I mean, is obtaining the latest gadget or […]
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.
Waivers and Riders – What are those?
I’ve been thinking about “waivers” and “riders” and how that might affect a young woman with a busted knee when she tries to buy health insurance. What are her options?
