Editor: Jeff Gulleson
1. SWINE FLU AND INTERNATIONAL TRAVEL INSURANCE
President Obama are estimating that up to half of all Americans will get H1N1 or swine flu this winter.
we will point you to international health insurance plans that will provide coverage for Swine Flu.
2. A NEW AND BETTER MATERNITY PLAN.
disorders), such as prematurity, low birth weight, jaundice, hypoglycemia, respiratory distress, and birth trauma are covered up to a lifetime benefit of $1,000,000.
3. EXPLAINING CO-PAYS, DEDUCTIBLES AND CO-INSURANCE
but if you have a $10 co-pay option, then all you pay is $10.
deductible. In fact you will pay for all of your medical bills up to the amount of your deductible. If your deductible is $1,000 then, only after you have paid $1,000 for medical services will the insurance start covering costs for you.
up to the co-insurance limit. Say you had a serious leg injury falling off your motor-bike. The total medical expenses came to $8,000. You do not have a co-pay but you do have a deductible of $1,000. This means you pay the first $1,000 of medical bills. The remainder now is $7,000. You have a 90/10 co-insurance benefit up to $5,000. This means that you will pay 10% of the next $5,000 in costs or $500. The insurance company will pay 90% of $5,000 which is $4,500. So now you have paid $1,5000 ($1,000 deductible + $500 co-insurance = $1,500). The total medical bill was $8,000 but $6,000 has not been covered. The good news is that the insurance company pays the remaining $2,000. And if the bill was $20,000 the insurance company would pay $14,000. The insured’s responsibility – Co-Pay, Deductible, and a Percentage of the co-insurance.
4. AUTO-DECLINE CONDITIONS AND INSURANCE SOLUTIONS
think that because their chronic condition was covered on their group health insurance plan they can get coverage on an individual plan. Underwriting is much stricter for individual plans and many
chronic conditions will automatically be declined. Here is a list of auto-decline conditions if apply for a long-term international health insurance plan from a large international insurance company we work with:
Cardiomyopathy, Cerebral Palsy, Cirrhosis of Liver, Crohn’s Disease, Congestive Heart Failure, Down’s Syndrome, Hemophilia, Hepatitis C, Hodgkin’s Disease, Hydrocephalus, Infertility Treatments, Leukemia, Lou Gehrig’s Disease, Multiple Sclerosis, Muscular Dystrophy Disease, Parkinson’s Disease, Psychosis, Quadrapalegia, Schizophrenia, Scoliosis, Spina Bifida, Suicide Attempt (any history), Systemic Lupus
Erythematosis, Transplants (Heart, Lung, Liver, Kidney)
5. INEXPENSIVE SHORT-TERM HEALTH COVERAGE IN THE USA
insurance. Good Neighbor Insurance has a plan with a “No Decline Question.” Almost all such plans ask, “Have you been declined insurance?”; and if you answer yes, you cannot enroll. (The change has
not been made yet on the online ap. So be assured that if you answer ‘yes’ to the decline question the application will still go through.) This plan has a $50 deductible at urgent care facilities and 80%/20%
co-insurance to $5,000 (not $10,000). No Social Security number is required. All legal U.S. residents can apply. The plan is underwritten by an “A+ Superior” rated carrier that has almost $9 billion in assets. In most states, a full 12 month plan is available. The plan is available in all states but the following: CT, GA, KS, MD, MA, MN, MT, NJ, NY, ND, VT and WA
coverage during a short or long furlough in the USA? Do you need coverage for a child attending college in the USA? Do you need coverage while looking for a job that provides health insurance? Or maybe the cost of a long-term major medical plan is out of your reach right now. In any of these cases the “HCC Life STM” formerly “Amigo” will work for you. If you can say “no” to five questions, the most difficult one being listed below, you can apply for this coverage. Here is Question 3 on the online application:
Crohn’s disease, liver disorder, degenerative disc disease or herniation/bulge, rheumatoid arthritis, kidney disorder, diabetes, degenerative joint disease of the knee, alcohol abuse or chemical dependency, or any neurological disorder?
Life STM short-term quote at http://gnshorttermhealthplan.com/
6. MANAGING INSURANCE FOR PRE-EXISTING CONDITIONS
7. LINK INFORMATION FOR GOOD NEIGHBOR INSURANCE
8. BOOK OF THE QUARTER – “HOW THE MIGHTY FALL”
9. WRITING ARTICLES, MAKING A SMALL INCOME
10. ENGLISH TEACHING & WORK OPPORTUNITIES OUTSIDE THE USA
11. INSURANCE PLANS CARRIED BY GNI
 Group health for international agencies
 Short-term team insurance
12. WHO CAN BE COVERED & INFO FOR AN INSURANCE QUOTE
Americans returning permanently to the USA after an overseas assignment, foreign nationals working or studying in the USA, non-Americans working cross-culturally in another country other than the USA (e.g., Japanese working in Zaire, Indonesians studying in Australia), career overseas workers, and non-Americans who wish to purchase “private health insurance” instead of using their government-run health care system.
want coverage while on furlough in the USA, give the state and zip code of your USA billing address and the type of work you do. If you are presently in the USA or plan to furlough shortly, PLEASE INCLUDE
YOUR USA TELEPHONE NUMBER.
13. INSURANCE BROCHURES FOR INDIVIDUALS AND/OR TEAMS
remember that insurance companies are always producing new materials and applications. If your brochures are two years old, they are probably outdated. Please contact us for a new supply. If
you want an electronic (e-mail) brochure and application, please let us know.
14. WHEN YOU CAN REACH US IN OUR OFFICE
downtown Phoenix. As to time, Arizona is on PST in the summer and MST in the winter. Thus, in the summer when the rest of the USA is on “Daylight Saving Time,” Arizona follows PST. We are in the office
Monday through Friday by 7:00 a. m., and on most days an agent is available to talk to you until 6:00 p.m. If you miss us, please leave us a voice message or send us an e-mail. We prioritize responding to both–ASAP!!
Insurance Policy Information: International Travel Insurance with International Health Insurance