How to Choose an Insurance Web Site

You’re planning a trip to the U.S., and want to buy visitors health insurance for your trip. Realistically, how do you really go about it? Searching for companies that provide insurance may be too time-consuming, and calling an agent, too confusing. With the internet, looking for insurance plans such as visitors insurance and international student health insurance plans, comparing the different features and rates, and also purchasing plans has become easier. But here too, there’s a catch! There are several comparison web sites; which one do you go for? First things first: Remember that the rates are not going to […]

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The World of Insurance Terms: Co-Insurance

If you are a visitor to the United States, and your home country’s healthcare doesn’t work on private insurance, you may be confused with all the talk of visitor health insurance. What’s more, you’re probably wondering what all the different terms mean. We briefly looked at what deductibles are in an earlier post. The deductible is the amount that you will pay before the insurance company benefits start kicking in. This is done primarily so that you can take care of minor expenses yourself. Remember that the presence of the deductible decreases the premium amount payable. The other term that […]

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Different Flavors of Health Insurance Deductibles

Whether your plan be visitor medical insurance, travel medical insurance, or short term health insurance, one aspect of the insurance plan that you must be aware of is the deductible. It is the amount that you pay the healthcare provider, before the health insurance company starts paying benefits. Deductibles, like most aspects to do with insurance, come in many shapes and sizes. Let’s say you purchase a travel insurance plan. If you fall ill and then get treatment, you are required to pay the requisite deductible. What happens if you have an unrelated medical issue a few days later, while […]

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OPT Insurance and Graduation: Time for Rejoicing, Reminiscing, and Reality

With students all over the country planning for their big graduation day, OPT health insurance is understandably not the top priority for most students. There is a festive and nostalgic atmosphere on most campuses and for international students, the feelings may be even more intense. After all, they are now entering the big bad world out there. It is important for international students to understand that after graduation, international student health insurance will become invalid. The international graduate who is typically on the optional practical training period must look for appropriate insurance. The first stop might be the college’s international […]

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Nanny Insurance 101: What to Look for

Hiring a nanny may require more costs than merely the cost of the premium—nanny health insurance is often part of the compensation package offered. There are usually two types of nanny insurance offered: long-term health insurance plans and short-term health insurance plans. Long-term insurance plans offer permanent coverage and also cover the nanny if he/she is affected by an illness such as diabetes or heart disease. This type of insurance is typically offered to nannies who plan to be employed for a long time—typically more than two years. Short-term insurance plans offer coverage for a shorter period and are ideal […]

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Dealing with Rejection: The Insurance Way

The insurance business is a tricky one, and health insurance, even trickier. When you file a claim for health insurance, you may just receive a letter stating that your claim has only been partly accepted. You may feel a bit disappointed, but may simply file it away. This is especially true in the case of visitors medical insurance, since it is very tough to understand the way the U.S. healthcare and insurance systems work. However, there are several reasons that claims can be rejected, and a rejection letter is not the end of the claim. One of the major reasons […]

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Health Insurance Tips for the Young and Restless

Health insurance reform is on everybody’s lips these days. When the White House called the nation’s largest health care insurance company executives for a meeting, the conversation focused on the increasing cost of health insurance in the U.S. Health insurance executives maintain that the increase in health insurance premiums is mainly due to a population whose young and healthy are shunning insurance, and rising costs of health care itself. The White House reportedly asked the insurance executives for more information justifying premium increases. While the health care debate is in full force, it is no secret that the insurance executives […]

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Missionary Insurance Covers More than Missions!

Although the term missionary insurance is used more commonly to refer to insurance purchased by those traveling abroad for philanthropic work, the insurance can be utilized by a wide variety of people. The basic eligibility for missionary insurance is that the applicant must be under 74 years of age and must plan to spend some time outside the United States. Theoretically, an international traveler might be able to purchase missionary insurance. However, the coverage provided by missionary insurance is usually tailored for typical mission-specific conditions, and will not work for the casual traveler. Other groups of people who can utilize […]

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Gender Parity in Insurance Rates: The Raging Debate

Man and woman may have been created equal, but inequity persists, even at the level of visitors medical insurance. In fact, many health insurance plans, especially long-term health insurance plans, charge a higher premium for women than men. And why is that? Detailed actuarial studies have shown that young women tend to use more medical facilities than young men. After their 50s, though, men tend to use more medical facilities than women, owing to the onset of chronic illness such as hypertension and cardiac problems. Several states have banned the practice of gender-based insurance rates. California banned the practice recently, […]

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Insurance for Au Pairs Child’s Play

The Von Trapps may be the most famous children who had a governess, but have you ever wondered whether Maria had adequate au pair insurance or nanny insurance? It might not have been a priority then, what with the World War going on, but if you were to bring an au pair, babysitter, or nanny to the United States today, you must ensure that she/he has a valid visa, and adequate insurance. Au pairs typically enter the United States on a J1 visa, the rules for which are laid out clearly. The prospective au pair needs to gain employment through one […]

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