Congratulations! You�ve arrived in the United States on a scholarship�say, a Fulbright scholarship. What�s more, the program also provides international health insurance, so that�s one less thing to worry about.
Not quite. As is often the case, the insurance that comes with an academic grant is usually very basic, and does not cover healthcare for routine physical exams, dental, vision, or any treatment for a previously existing condition. In other words, it�s only for unexpected ... Read More 
Fulbright Insurance is Not Full Insurance
Sep 30, 2009 by Leave a Comment
My Parents Are in Excellent Health – Do They Need Medical Insurance?
Sep 29, 2009 by Leave a Comment
Often, children of parents who visit the United States are thinking: My parents have no medical problems. Why do they even need international medical insurance? It's precisely the parents who don't have previously existing conditions who will benefit most from visitor medical insurance in case they fall ill.
When preparing for a U.S. visit by your parents, they can either purchase insurance in the home country, or in the United States. From experience, you know that insurance purchased in the ... Read More
Managing health care � HMO, PPO and POS
Sep 27, 2009 by Leave a Comment
There are different health care policies offering various options for coverage � HMO, PPO and POS.
HMO policies charge nominal premiums for health insurance but they offer very less flexibility in choosing a provider. In addition, they do not reimburse in case the insured chooses outside the network. Even the specialists you consult should be a part of the network.
PPO policies are more flexible in choosing a provider. These policies offer partial reimbursement while taking consultations ... Read More
Tips to follow before you quit the job
Sep 26, 2009 by Leave a Comment
If you can, plan well ahead before leaving your current job so that you would have adequate time to switch your health insurance plan to a more affordable alternative.
If you switch before leaving your job, you are entitled to continue your health insurance coverage under COBRA at a more affordable premium for about 2 months
If you do not find an appropriate self employed insurance option within the time frame where you are entitled for COBRA, your new health insurance plan application may ... Read More
Coordination of Benefits in health insurance
Sep 23, 2009 by Leave a Comment
Coordination of Benefits defines how the cost of reimbursing expenses would be split by the insurance providers if the policyholders have purchased are a part of more than one group insurance plan.
Imagine that your employer offers health insurance benefits through the company's group health insurance policy. Also, you have health coverage through memberships in certain institutions. In addition, you are also covered for your medical bills by your spouse's employer in another group policy. All ... Read More
Deductibles – An overview
Sep 22, 2009 by Leave a Comment
Though the current economic crisis creates a financial burden for many individuals, one cannot avoid buying an international travel medical insurance policy. People are on constant look out for ways of bringing down the premium amounts.
Generally, the premiums are lower in case of international insurance policies that have higher deductibles. You need to evaluate whether risking a higher deductible amount may be beneficial for you in the long run.
Deductible is the amount initially paid by the ... Read More
Health insurance coverage for retirees
Sep 21, 2009 by Leave a Comment
Health insurance coverage for retirees is one of the primary issues which challenge the senior citizens due to skyrocketing premiums. In addition, insurance providers reject coverage for pre-existing medical conditions.
This is one primary reason why individuals are advised to apply for health insurance coverage during their young age when they are healthy. This would ensure that you pay lesser premiums at a later date.In case you are above 50 and you are applying for health insurance plan only ... Read More
Affordable health insurance coverage � Popular options
Sep 20, 2009 by Leave a Comment
Surveys and research reports reveal a startling number of uninsured Americans who find it difficult to protect themselves and their families under US health insurance coverage during the economic crisis. Probably they are unaware of the different options of health insurance coverage.
The following are a few beneficial options to consider
Medicare � US citizens above 65 years of age as well as individuals who are entitled for social security disability benefits are automatically ... Read More
International Student Health Insurance – Study USA
Sep 17, 2009 by Leave a Comment
Every international student planning to enrol into a full-time educational program needs to buy a suitable International Student Health Insurance plan. One of the popular international student medical insurance plans is called Study USA insurance. This student insurance policy provides comprehensive benefits at affordable rates.
Foreign students who are pursuing an educational program in the US or US students who have enrolled for an educational program abroad are eligible for this plan. ... Read More
Medical evacuation insurance
Sep 16, 2009 by Leave a Comment
Medical evacuation insurance may be included as a regular coverage benefit or it becomes an optional coverage in the case of some health insurance plans. Though it may look too dramatic to buy, the expense that an individual needs to bear in case it is required is too high. It could work out to $100,000 excluding the hospitalization and treatment expenses!
This benefit typically comes in two forms:
Emergency evacuation: This is the assistance that you may require from the insurance company ... Read More
