Tag Archives: Gap

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.

Arizona Short Term Medical

Arizona Short Term Medical

Most Arizona employees that leave employment also leave their employer-backed health care coverage behind. This really is frequently a chancy move, especially without getting other insurance options readily accessible to you.

For those who have left your projects, you will want most likely already learned that obtaining affordable medical insurance isn’t the easiest task when you’re between jobs. COBRA (COBRA: Federal legislation that lets you, if you work for an insured employer group of 20 or more employees, continue to purchase health insurance for up to 18 months if you lose your job or your employer-sponsored coverage is otherwise terminated. For more information, visit the Department of Labor.) is certainly a choice providing you with you the legal right to keep your insurance from your previous employment, nevertheless the monthly rates are frequently very pricey the other that numerous simply can’t afford while unemployed.

Temporary insurance, the short-term kind of medical insurance, is certainly an inexpensive choice to our prime rates associated with COBRA. It’s designed make use of a bridge involving the gap of locating the next job and departing your former employer-backed plan. Getting this kind of policy can remove the chance of not shielded from unforeseen injuries or sickness when you are between jobs, but pre-existing the elements is generally excluded.

The rates in short-term coverage recommendations are relatively less costly than people for COBRA, nevertheless the cost could appear pricey for an individual without any employment. While finances may tempt you to definitely postpone insurance before you decide to find another job, you should never forget that financial security may be the primary reason why people purchase short-term medical insurance to start with.

It takes merely one unforeseen hospital trip or admission to put someone without health care coverage 100s to thousands of dollars with debt. For example, consider the financial effects in the event you out of the blue develop appendicitis and wish a crisis appendectomy when you don’t have healthcare insurance as well as the average cost of the appendectomy is between $11,000 and $18,000 dollars. Numerous financial studies have reported medical bills one of the primary causes of personal personal bankruptcy in the united states. Getting short-term well being services to move you before next job may help stay away from the catastrophe to become responsible for the all-inclusive costs of medical bills from being without being insured.

Aside from the price of financial protection, short-term insurance helps as well to avoid getting medical health insurance claims rejected under Medical Insurance Portability and Accountability Act (HIPPAA) laws and regulations and rules. Basically, people that don’t have a break from credible insurance plan exceeding 63 days are believed to own maintained a ongoing coverage, meaning they’re not going to be prone to exclusions for pre-existing conditions. And, many approved short-term recommendations are incorporated inside the whole world of credible coverage, even if they have exclusions for pre-existing conditions.

Depending on specific condition needs, Arizona short-term recommendations might run for just about any term which is between 30-days to at least one year. To date as payment goes, most short-term medical insurance plans offer two different options – needing to pay using a monthly installment plan or perhaps in one up-front payment that will cover a specific period of time. Generally, single payment plans are slightly under payment monthly plans.

Clearly, temporary insurance is built to be that??¦a temporary treatment for ease your wellness and financial concerns. It is not designed to go longer when compared to a year and won’t be described as a extended-term insurance solution. After you have found another job, you have to consider your brand-new employer’s insurance options and find out once your new coverage would start be it selected.

Goto Arizona Short Term Medical or call me toll free 800-240-3390

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

 

Short-Term Health Insurance Can Cover Workers During Job Transitions

Short-Term Health Insurance Can Cover Workers During Job Transitions

Most employees that leave a job also leave their employer-sponsored medical coverage behind. This can be a chancy move, especially if you don’t have other insurance options readily available to you.

If you’ve already left your job, then you’ve most likely already found out that obtaining affordable health insurance isn’t the easiest task when you’re between jobs. COBRA is an option that gives you the right to keep your insurance from your previous employment, but the monthly premiums are usually extremely expensive and something that many simply can’t afford while unemployed.

Temporary insurance, which is a short-term form of health insurance, can be an affordable alternative to the high premiums associated with COBRA. It’s designed to provide a bridge between the gap of finding your next job and leaving your former employer-sponsored plan. Having such a policy can remove the chance of not being protected against unforeseen injury or sickness while you’re between jobs, but pre-existing conditions are usually excluded.

The premiums for short-term coverage policies are relatively much cheaper than those for COBRA, but the cost can still seem expensive for someone without a job. While finances may tempt you to put off insurance until you find another job, you should remember that financial security is the primary reason that individuals purchase short-term health insurance in the first place.

It only takes one unexpected hospital trip or admission to put someone without medical coverage hundreds to thousands of dollars in debt. For example, consider the financial repercussions if you suddenly develop appendicitis and need an emergency appendectomy when you don’t have medical insurance and the average cost of an appendectomy is between $11,000 and $18,000 dollars. Countless financial studies have cited medical bills as one of the leading causes of bankruptcy in America. Having short-term health coverage to carry you until your next job can help avoid the catastrophe of being responsible for the total cost of medical bills from being uninsured.

Aside from the value of financial protection, short-term insurance also helps to avoid having future health insurance claims rejected under Health Insurance Portability and Accountability Act (HIPPAA) laws. In other words, individuals that don’t have a break from credible insurance coverage exceeding 63 days are considered to have maintained a continuous coverage, which means that they won’t be subject to exclusions for pre-existing conditions. And, many approved short-term policies are included in the realm of credible coverage, even if they have exclusions for pre-existing conditions.

Depending on specific state requirements, short-term policies may run for a term of anywhere from 30-days to one year. As far as payment goes, most short-term health insurance plans offer two different options – paying through a monthly installment plan or in a single up-front payment that will cover a specific number of days. Generally, single payment plans are slightly cheaper than monthly payment plans.

Of course, temporary insurance is designed to be just that…a temporary solution to ease your health and financial concerns. It’s not designed to last longer than a year and should never be considered a long-term insurance solution. Once you’ve found another job, you should look into your new employer’s insurance offerings and determine when your new coverage would start if it’s elected.

Short-Term Health Insurance

Don’t Let Long-Term Care Needs Take You By Surprise

Don’t Let Long-Term Care Needs Take You By Surprise

One of the most pressing concerns for seniors is ensuring they have adequate health insurance, especially since the government is providing less and less and the cost is going up and up. Long-term care is one area that is taking many seniors by surprise.

There has been a longstanding gap between the long-term care needs of seniors and what’s really covered by Medicaid and Medicare. Of course, the latest restrictions that limit the availability of nursing home coverage through Medicare doesn’t help. The bottom line is that seniors simply can’t afford to ignore this issue and let it take them by surprise.

Of course, finances are going to greatly impact the approach to long-term care.

Sadly, those with a minimal income and assets have few affordable options available to them. They will usually quickly go through their limited funds and qualify for Medicaid rather easily.

On the other hand, those with incomes over $75,000 a year and that have over $500,000 worth of assets are facing an endless cycle of out of pocket expenses. Even those that have planned well for the future can watch as their nest egg drastically depreciates from years of long-term care expenses. A nursing home bed alone can cost thousands of dollars each month. Purchasing long-term care insurance to pay for these costs is a prudent choice for this group.

A third group is the middle class. This group is comprised of those with moderate incomes of $30,000 to $50,000 and assets not exceeding a few hundred thousand dollars. This group often isn’t well off enough to afford long-term care insurance, but is too well off to quickly qualify for Medicaid. Long-term care needs of one unhealthy spouse can eat away at savings to the point that a healthy spouse is left impoverished for the remainder of his/her life.

If the funds simply aren’t there to buy long-term care insurance, there are some other options. For example, an existing life insurance policy may be sold through a life settlement, a reverse mortgage, or simply downgrading homes can all be additional sources of money. None of these may be pleasant thoughts, but they are methods that can free up cash for long-term care needs. However, it may be a smart decision to use these new funds to purchase long-term care insurance instead of paying long-term care costs directly out of pocket.

The benefits of assisted living facilities, nursing home care, and skilled and custodial home healthcare are invaluable. And there are many issues, from emotional to financial, that influence how long-term care needs are addressed. More often than not, when a spouse, parent, or loved one is no longer able to care for themselves, the healthy spouse, child, or relative isn’t so quick to spend savings on caregivers and skilled nursing care. Instead, the healthy person risks their own health to care for their incapacitated loved one. This can create a serious physical or emotional burden that words cannot describe.

When early steps are taken to ensure appropriate long-term care is available, life can be much easier for the senior and their family. With appropriate long-term care planning, the spouse, child, and so forth may focus their energy on providing attention and love instead of completely altering their life to become a primary caregiver.

Predicting what future medical needs will be is impossible in most cases. Some seniors may never reach the point that they need long-term care needs. However, statistics show that almost half of all senior citizens will eventually need nursing home care. Even those that don’t require nursing home care will usually still require some type of skilled, semi-skilled, or unskilled assistance. So, it’s vital to protect your health, as well as the health of your family, by planning ahead for these times of uncertainty.

Medicare PDP Rate Increase for 2011

According to several news sources Medicare PDP (Prescription Drug Plan) rates will rise around 3% on average.  Those same news sources are claiming that the coverage gap will shrink.