Health Insurance Questions

You may not know this already, but when planning on traveling abroad you cannot take your local insurance with you. You will need to purchase an international insurance plan offered by a multinational insurance company. While they may be hard to track down, it is the best way to assure that in the event of an accident or illness you will be able to acquire medical attention if needed.

Many of these plans will cover you up to six months in another country. When you speak with the insurance company, be prepared to give an extensive list of information to them. This will range from health problems you’ve had in the past ten years, your hereditary conditions to substance abuse, and almost everything else-if it has anything to do with your health be prepared to disclose the information. If you are planning on traveling with more than one family member, then be prepared to give information for each family member as well.

Many times your basic coverage will include emergency treatment regardless of which facility it is administered. This is not the case with minor medical treatment. It is important to know whether you are buying an insurance plan that is an HMO or PPO. If you are under an HMO or health maintenance organization, then you will be limited to receiving care from only the providers who are in their network. You can retrieve a list of all the companies within your insurer’s network upon request. If you are under a PPO, or preferred provider organization, you will have the opportunity to pick the best facility you see fit, but your insurer will only cover a portion of the incurred cost.

If you plan on staying abroad for more than six months then you will need to look into what is called expatriate health insurance. Only larger companies supply this type of insurance, as it is much more extensive with the type of options that can be applied to each policy. The type of treatment options that are covered with expatriate health insurance are those that are labeled as specialty treatments, like chiropractic therapy and acupuncture. There are many options that can be applied to expatriate health insurance depending on your family’s needs and how long you plan on spending abroad.

There are many options for health insurance when you are traveling abroad. While many individuals never consider purchasing insurance when traveling to another country, this should be at the top of your list when planning for a trip. Health insurance should not be taken lightly. Be sure you understand every aspect of your policy before deciding with any one particular company.

By: Roger Mitchell

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WCVBtv asked:

All Americans can relate to paying more and more each for year health insurance.

ardella asked:


My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?

richard asked:


We had a baby 3 months ago, but I am looking for health insurance that is good and affordable for my wife. Any suggestions?

alice asked:


i am currently looking for family health insurance. if i go thru my job it way too expensive. i also need to include maternity coverage. does anyone know of any insurance companies? whenever i go directly to the provider website like united healthcare or cigna it always directs the webpage to ehealthinsurance, and while yes their affordable they don’t offer maternity coverage.i’m not currently pregnant, however i am planning on conceiving and want to have the coverage. i have health insurance thru my job, but it doesn’t cover maternity

thanks for any suggestions

cv_2004x asked:


I usually have really good health, and even though my job offers health insurance….it takes away $80 to $120 out of each pay check. I haven’t been to the doctors in over 2 years and haven’t gotten sick or anything,(I’m only 21) but I need to get a pap smear, girly stuff, etc. I know there are coverage plans out there but I don’t know how to access them. Does anyone have any info/ phone numbers and or websites would be appreciated!

pinky1128 asked:


i need to know if any of you know any low cost (student ) health insurance for low income family. plz help i need to get surgery and 2 dental operations…plz serious answers only…
im 18 yrs old

any little thing helps
thanks
i live in california souther cali

kiesha asked:


I know that certain trade organizations offer discount health insurance under group rates if you join. However, I am unaware of any groups for a person who is self employed as an expeditor–a person who works in the urban planning field filing cases. He pays a exhoribant monthy premium for his health insurance.

asked:


How can i get very cheap health insurance? i am 18 yrs old, i go to school and i work at a place that doesnt have insurance and i really need to go to get my teeth pulled and i need to go to the doc for my stomach… how can i get free or very cheap health insurance?? cause i have no money!!