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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Unemployed and Uninsured, a Potentially Disastrous Combination

Anyone living in or visiting the United States needs to have health insurance. Period. That can be particularly tough to maintain in the current economic scenario, with fluctuating unemployment rates. U.S. health insurance becomes a dream for many. A recent study shows that more than a third of those worked in a job that provided them with employer-sponsored coverage went without insurance for six or more months after leaving their job. In contrast, the figure was near 5% for those who were working at the end of the survey period. The study brings into sharp focus the problems in receiving […]

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Insurance Debate Rages as States Prepare to Sue

Barack Obama may have overarching ambitions to ensure that the average American doesn’t go without health insurance. However, the bill that the uninsured American might be subject to fines if they don’t have U.S. health insurance by 2014 has run into rough weather. Several states, now 14 in number, have expressed interest in suing the federal government protesting this stipulation. The bill, as it stands now, looks to penalize all Americans, other than lower income Americans, in case they are found lacking in insurance. Also, employers who do not provide adequate long-term health insurance to their employees will also face […]

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Steady Insurance Coverage for Exchange Programs

With increased porosity between international borders, groups of people traveling from one country to another for cultural exchange are no rarity anymore. Those going abroad to study as part of an exchange program secure their health by purchasing the J1 visa health insurance, and those who travel abroad for cultural exchange purchase insurance for a shorter duration. The Patriot Group Exchange Insurance plan offers a flexible insurance for participants and organizers of exchange programs. There are three flexible plans, depending on the coverage required. The long-term annual plan offers coverage for a year, ideal for exchange students, the Standard plan, […]

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Make Way for Specialized Evacuation Insurance

Sometimes, you are adequately covered through medical insurance and all you want is additional coverage for that extra option that is not available to you. Affordable specialized plans such as medical evacuation insurance plans help you in such cases. They offer a focused plan that provides you with that extra benefit that your regular plan does not provide. Let’s say you are an expatriate living in Argentina. The Argentinian branch of your company has purchased health insurance for you. However, you feel that having evacuation insurance will help you in case of medical emergencies that your city of residence may […]

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Ensure Employment, Insure Health for Summer

International students have a lot on their plate without having to worry about international student health insurance, especially right now, with summer just two months away. For many international students, this is a good thing, because it means that they can work on campus for 40 hours, compared to the 20 hours they are usually able to work during the fall and spring semesters. It is a good time to put out feelers to prospective employers within the campus. If you are an international student in a graduate program, it is a good time to gain both valuable experience and […]

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Fly High with Flight Insurance

Here’s a cure for pteromechanophobia—flight insurance. The symptom itself may sound complex, but it’s a common symptom, and you probably know it better as “fear of flying.” Some estimates peg the number of people who suffer from a fear of flying at 40%. The number of travelers who fear flying is increasing, and this is no coincidence. Several recent flight accidents have exposed the inherent risks involved in flying. Airline flight insurance is insurance that covers a person for loss of life, limbs, or sight, in addition to trip cancellation and baggage loss benefits, as the case may be. Plans […]

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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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Marine Crew Insurance That Holds Water

If you’re a member of a marine crew, you might have heard of marine crew insurance. Your employer might provide you with a suitable plan, but it is always best to check whether you are adequately covered for your situation. Several yacht crew insurance and marine crew insurance plans are available in the market to choose from. Marine crew insurance plans usually offer worldwide coverage, which includes coverage at home and abroad. Coverage depends on whether the medical treatment is received abroad, at home within the medical network specified by the plan, or at home outside the network specified by […]

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