Care for Yourself During Visits with Insurance

When you have dear ones visiting the United States or Canada, it is important that they apply for a visitor�s medical insurance policy. There are many policies with different benefits and premiums and one should explore all of them before deciding on the policy most suited to your visitor. One such policy is the Visitors Care policy provided by IMG. It provides coverage to anyone visiting the United States or Canada from any other country. The period of coverage is one year and there are three benefit maximums -$25,000, $50,000 and $100,000. There is a choice of deductibles: $50 or […]

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Spellbound: Unraveling the Mysteries of Insurance

If you hear terms related to visitors health insurance policies and they sound like “Expelliarmus” you’ve come to the right post! Insurance terms are really not as bad as the Harry Potter spell that disarms opponents with a jet of light! Let’s look at some common terms that are related to checks that you will probably write. The main involved in any insurance policy is the premium. Premiums refer to periodical amounts paid to purchase the insurance policy. Premiums vary according to the plan duration and age and health condition of the individual. The next cost the insured might have […]

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The Fine Art of Reading the Fine Print-II: Schedule of Benefits

In the previous article, Reading the Fine Print-I, we saw how the policy duration of visitors insurance plans can affect the choice of insurance. Now, let�s look at how reading the Schedule of Benefits carefully and matching it with intended activities is imperative. Let�s say, a lady, Sharon, who is on a visit to the United States, has sustained an arm fracture. She is covered under a visitor health insurance policy, and so she doesn�t worry much. Her boyfriend, Adam, makes a note of the next steps they will need to follow. They call an ambulance, take her to the […]

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The Fine Art of Reading the Fine Print I: Policy Duration

Before deciding to purchase any visitors health insurance, you must read the fine print thoroughly rather than having a cursory glance at the policy. Let us take the example of Visitors Care insurance provided by International Medical Group (IMG) for an analysis of the Policy Duration clause. The minimum duration of this policy is 5 days. The individual should either be traveling or temporarily residing outside his home country for at least 5 days to be eligible for this policy. Any one policy may not exceed 12 months, but can be renewed for a period of up to 24 months […]

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Fulbright Insurance is Not Full Insurance

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 illnesses. Since you’re planning to live in the United States for a year or so on the J-1 visa, consider purchasing additional J1 visa […]

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Managing health care – HMO, PPO and POS

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 outside the network and charge high co-insurance and co-payment amounts. In case the insured needs to consult a specialist, he does not require […]

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Swine flu coverage for international visitor health insurance

The coverage benefits of international visitor health insurance plans vary depending on the type of policy as well as the coverage limits. Though there are some standardized benefits offered by almost all health insurance plans, if you are looking for specific coverage like war, terrorism, epidemics, hazardous activities, pandemics, trip interruption, you need to look out for health care coverage for these special instances. The swine flu outbreak was announced during the last week of April 2009. When panic spread, it became quite problematic for people to get health insurance coverage for any expenses incurred due to the disease. Not […]

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Health Insurance coverage compels Americans to take up employment

The global financial crisis has forced some Americans to take up jobs that they would not otherwise opt for under normal situations. Jobs can offer health coverage through the employer�s group health insurance plan. It is quite obvious that health insurance is one of the major lures for some Americans to seek employment. Employee group health insurance plans typically have rich benefits and the employer usually contributes to the premiums. Private Health Insurance premiums for a family in some states can cost more than $1,000 per month. In some instances people work multiple jobs to pay their health insurance premiums. […]

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Visitors to Health Insurance sites drop, Informative Insurance sites flourish

The global financial breakdown and the increasing unemployment rates are hitting the online health insurance sector. It has been recently observed that the number of visitors to leading online consumer insurance sites has been declining steadily but the searches for information of obtaining affordable health insurance coverage resources have been increasing. The sites providing assistance and useful tips or information for short term health insurance have received an increasing number of vistors. Sites which discuss pros and cons of health reform in the US are getting good response from the visitors who scout for updated information of their health insurance […]

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Small businesses viewpoint: Reform may end up rising the cost of health care costs further

Many of the small ventures are getting choked with the huge expenses incurred due to health care. Some of them refrain from starting new ventures as the affordability of the health care plans look very uncertain and bleak especially in the current volatile job scenario. They fear that the health care overhaul being so actively proposed by the Obama administration may actually raise the costs further because of heavy taxes. A survey report state that many of the early players are finding it very difficult to offer health insurance coverage to their employees with skyrocketing premiums continually on the rise […]

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