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Information for international non-profit organizations regarding health coverage

Information for international non-profit organizations regarding health coverage:

Important questions international non-profit organizations should ask

If you are one of many international non-profit organizations looking for health coverage, you should consider the following. Not all insurance brokers or carriers are created equal. Not all of them know the international market well; especially if you have staff working in more remote areas, or unfamiliar areas. This is where having a good neighbor helps. It’s our job to make sure you/they have what they need to:

  • Stay safe.
  • Stay funded.
  • See the job done.

This is our goal and mission, to help you succeed overseas.

Specific-information-1

Here are some items that international NGOs, non-profit organizations, charitable groups and sending agencies need to consider when choosing health coverage; especially self-funded options for their overseas staff.

  • What are your goals by insuring/self-insuring?
  • What current issues are there? What are your current needs?
  • Do you desire for an insurance partner to help assist you,
    or for a company that will do it all for you?
  • International coverage and expertise? (broker/carrier/other parties)
  • International specialization? (broker/carrier/all parties)
  • International TPA (third-party administrator) if self-funding
  • Selecting from international stop-loss/reinsurance carriers (avoiding “lasering”)
  • Customized plan design to control costs (How-to?) – Implementation? Success rate?
  • Amount of risk/reward you are willing to tolerate?
  • Breakdown of internal ‘groupings’ of staff to target savings
  • Amount of reserves on hand
  • Limits and amount of reinsurance (Specific per person and aggregate)?
  • Deductibles and co-insurance
  • Customized benefits and features
  • Internal staffing for benefits administration
  • “Buy-in” from employees/staff?
  • Would staff be more willing to consider a plan if they had $0 deductibles and $0 co-insurance?
  • Age of staff/health of staff/recent claims history?
  • Will local nationals be on plan? Other nationalities? Not needing home coverage? Do you need coverage in the USA?
  • Is ACA-compliance necessary?
  • What benefits/limits are “must-haves,” or most used? Which are desired? Which can you do without?
  • How important is minimizing out-of-pocket expenses for staff?
  • Timing and lowest base rate – Is this the best time to switch/best time to self-fund?
  • Renewal date(s)?
  • Should you get competitive quotes?
  • How hard does your current insurer/broker negotiate on your behalf?
  • How much does your broker actually help you? Do you need more help?

 

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