Category Archives: International Medical Insurance

Going to London in 2012

Going to London in 2012

Are you going to London in 2012?  You need to have a travel medical insurance plan.

Are you planning overseas travel? If so, Say Hello to Worry Free Travel with TravelGap from HTH Worldwide.

TravelGap Single-Trip Insurance from $2.00 — $5.00 per travel day*
Travel medical insurance that responds anytime, anywhere.

TravelGap Benefits Include:

Worldwide Medical Evacuation benefits
Hospitalization, Surgery, Physician Office Visits, RX and more
Access to Profiled, Elite Providers in 180 countries who accept direct payment from HTH Worldwide

Member Testimonials

“HTH Worldwide initiated a comprehensive plan to help bring me to the nearest source of medical care with the highest standards (more).”

Enjoy SAFE and SECURE travel with AFFORDABLE travel medical insurance. Read this HTH in Action Case Study to see how critical having the right plan is.

About HTH Worldwide
HTH Worldwide provides travel health insurance plans and assistance services to 650,000 travelers per year. HTH programs are distinguished by a contracted community of over 6,000 elite providers in 180 countries.

HTH Travel Gap (Brochure and Application)

*TravelGap rates vary by age of traveler. Daily rates shown assume traveler is 69 years or younger.

Missionary Medical Insurance

Missionary Medical Insurance

The Global Navigator is Worldwide health insurance and services for career missionaries and volunteers.  The Global Navigator health plan meets the needs of missionaries and volunteers by offering comprehensive worldwide benefits – inside and outside the U.S. – without the typical limits, eligibility conditions and benefit exclusions common among traditional plans.  Unlike plans that limit furlough coverage, Global Navigator covers stateside tours of any length, delivering the continuity and convenience of benefits that are truly seamless, portable and renewable.  Global Navigator is the premier health plan for missionaries and volunteers because it combines these benefits with concierge-level medical assistance and easy access to an elite community of carefully selected hospitals outside the U.S. and a network of over 700,000 doctors and hospitals inside the U.S.  Global Navigator gives missionaries and volunteers peace of mind, knowing they always have the freedom to access top medical care and benefits no matter where their ministries take them.

The brochure and paper application Global Navigator Missionary Medical Insurance (Brochure and Application)

 

Expatriate Insurance: You Shouldn’t Live Abroad Without It

Expatriate Insurance: You Shouldn’t Live Abroad Without It

While living abroad for the next year is an exciting prospect, there is much to be planned for and considered. One aspect that’s often overlooked is extended medical treatment. Most people living abroad would want to return home for treatment and recovery and to be close to loved ones if they become critically ill.

Many mistakenly assume that if a critical illness should arise, then their managed care plan would take care of things. This couldn’t be further from the case. Your health insurance plan in the United States isn’t designed to cover you when you are out of the country for an extended stay. Medicare and Medicaid doesn’t offer any coverage for any medical expense that develops outside the United States. HMOs or Health Maintenance Organizations will generally cover emergency room treatment wherever you are, but routine health coverage is offered through the state provider networks of your resident state. If you use a network doctor, PPOs or Preferred Provider Organizations will cover a greater
portion of the expense.

Some may turn to travel insurance as a source of extended medical treatment coverage. This too isn’t quite the case. Yes, travel insurance will generally provide you with a certain degree of coverage for illness and injury. The amount and extent of coverage is based on what plan you choose. However, the benefit period is usually only six months. So, if your trip is a year long, then you will only be covered for half of your stay and then be responsible for any incurred medical expenses thereafter.

Expatriate health insurance, by its very name, should alert you that this might be the health insurance you’re seeking. In Latin, ex means away from and patria means fatherland. This insurance is geared toward those that will be away from their home, especially stays that extend past six months. Expatriate health insurance is specifically designed so that you don’t have the geographical limitations and restrictions to provider networks that you have in your managed care plan. Coverage is often only half of the problem when trying to navigate a foreign health system. The expatriate health insurance will also help when dealing with language barriers, transportation to U.S. health care centers, and currency exchange.

Expatriate health insurance plans are divided into two categories:

The first is the basic expatriate plan. This plan offers coverage for care in-hospital and in-patient, meaning it will cover areas such as a hospital
stay, services from a number of medical providers, and ambulance transportation.  Home health nursing care and emergency dental services are also usually covered. Enhancements to the basic plan, such as outpatient services, certain therapy services, and prescription drugs, may be purchased for an additional cost. Many of the basic plans will also offer emergency medical evacuation coverage for an additional cost, which will immediately transport you from wherever you are to the nearest advanced medical treatment center in the event a medical emergency should arise. Most medical evacuation coverage will also include a return fare.

The second category is the comprehensive expatriate health insurance plan.  This is useful if you require more extensive medical coverage, such as for dietary, psychiatric, eyes, ears, chiropractic, osteopathy, rehabilitation, labor and delivery, and home nursing care needs. Certain prescription medications and diagnostic testing may be covered as well.

Like any health plan, the expatriate coverage usually has certain exclusions and restrictions. Most carriers will generally not cover preexisting
conditions; injuries from war, rioting, and terrorism; and those with hazardous occupations. In cases of preexisting conditions, certain carriers may underwrite it for an additional cost.

Expatriate Insurance

Multiple Trips Outside the Country

If you are making multiple trips outside the country, I would recommend you take a look at Travel Gap Multi-Trip by HTH Worldwide.  If that is the plan the works for you, you can fill out the application which is a part of the brochure and fax it back to me, or you can enroll online at http://www.hthtravelinsurance.com/prdCobrand/travel_medical.cfm?link_id=48782&link=tg&header=n&personalized=y

 

Travel Insurance Online

Travel Insurance Online

Patriot Green Travel Medical Insurance
Individual and Family coverage for trips for 5 days to two years

Patriot Green Travel Medical InsuranceSM is designed for the environmentally conscious traveler and provides up to $2,000,000 of medical coverage and services. This plan provides the same comprehensive benefits as the Patriot Travel plan, but also includes eco-friendly benefits including providing for the purchase of carbon offsets, pays an additional $5,000 AD&D benefit to an environmentally conscious organization, and it is paperless. Patriot Green InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Green AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to two years.

Patriot Green by IMG

Quote and buy Travel Insurance Online

Know What to Look for When Buying Individual Health Insurance

Know What to Look for When Buying Individual Health Insurance

Most Americans who have health insurance are covered through an employer’s plan. However, some employers do not offer health insurance coverage. If you work for one of these companies, you will need to purchase private individual health insurance.

There are certain advantages to purchasing health coverage in the private market. Instead of choosing from plans pre-selected by an employer, you decide which plan features you want, and pick a plan accordingly. For example, by choosing a plan with a higher deductible, or one that doesn’t cover certain services, you may realize a substantial premium savings each month.

Instead of having your coverage tied to a place of employment, coverage through a private health plan is yours to keep no matter where you work. A health insurer can’t drop you as long as you pay your premiums on time.

But along with these advantages come some potential disadvantages-

• Employer plans provide considerably more coverage than individual plans, even when you are paying the same premium rate. That’s because with an individual policy, a larger percentage of the premium goes to pay for such operational costs as marketing and paying claims.

• A group plan generally must insure all employees and family members, while individual plans can reject applicants who aren’t in perfect health. They can also offer plans that exclude coverage for certain pre-existing conditions.

• In most states, private health insurance plan premiums increase as you age. Initially, you can avoid these rate increases by periodically changing plans, because new rates tend to be lower than renewals. However, as you get older, it will become more difficult to find a company to insure you and individual policies will get more expensive.

If you do need to shop in the private health insurance market, you first need to find a competent insurance agent.  Determining what kind of insurance you need and how much coverage to buy are complex issues. A good agent will help you assess your situation, and work with you to find the right coverage for your specific needs. The key to a successful working relationship with an insurance agent is trust. You should be able to trust your agent’s knowledge, experience and professional judgment, and you should always feel secure that your agent is acting in your best interest. But keep in mind that trust is a two-way street: Your agent also needs to trust you to provide information that is truthful and complete.

If you are comparing several plans, you need to know what to look for before making a decision. When choosing a health plan ask your health insurance agent the following questions:

·   Will the plan cover me for the specific doctor or hospital I would like to use?

·   How does the referral system work?

·   What pre-existing conditions would affect coverage?

·   How will the plan handle care if I (or a family member) am away from home?

·   What is the plan’s monthly premium, and what deductible and coinsurance am I required to pay?

·   Are there other fees, such as copayments and any additional charges if I use providers that are out-of-network?

·   Is there a maximum amount the plan will pay over a year or a lifetime?

·   What types of benefits are specific to this plan?

The purchase of individual health insurance in the private market can seem confusing. Approach its purchase like you would that of any important item-research your options and compare prices, and get the best advice and assistance you can, in this case, the services of Brian Gruss a qualified insurance agent.