Utah Health Insurance
Individual Health Insurance Plans
by: Mike Yeager
When looking for individual health insurance plans it's important to remember that generally you'll find better rates if you deal directly with the insuring company. The internet now allows individuals the chance to plug in a few personal details and obtain individual health insurance plans quotes. Some questions to consider when choosing your coverage are the following:
1) Is it important that you keep your current Doctor?
2) Is it important that you have access to alternative care such acupuncture or massage therapy?
3) How high a deductible are you comfortable with?
Individual Health Insurance Plans tailored to your needs.
Most people looking for individual health insurance plans are seeking modest insurance coverage, but they also want some of the basic essentials such as regular Doctor visits and prescription coverage. Keep in mind that your premium costs will vary depending on how high your deductible is and what kind of coverage you have. Generally the higher the deductible, the lower your monthly premiums. When choosing your coverage try to match low prices with quality coverage.
About The Author
Mike Yeager
http://www.a1-healthinsurance-4u.com/
mjy610@hotmail.com
International Travel and Health Insurance
David M. Schmader
Embarking on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport and papers in order and you couldn’t be in a
higher state of excitement preparing for travel to that wonderful, exotic location.
This is the vacation you have planned it seems forever. As you sit on the plane,
you and your partner discuss for the hundredth time the scuba diving you will
do, the awesome rock climbing and hikes into the rain forest. Everything is
perfect!
Life seldom gets better than this.
Despite all the excitement of travel, Americans do have some concerns.
According to a survey by the Chubb Group, more than 70% of Americans surveyed
said their greatest concern when traveling is suffering a medical emergency...more
than double the fear of being mugged (30.7%), three times the fear of being
injured in a terrorist attack (23.4%).
What happens if a medical emergency arises when traveling overseas?
Many people assume that while they are out of the U.S. or Canada they will be
covered by their standard medical plan. However, most traditional health insurance
plans are not designed for international travel.
According to the U.S. Department of Commerce, approximately 27 million travelers
board U.S. airlines for overseas destinations and almost 26 million foreign
travelers come to the U.S. each year. However, many are not prepared for a medical
emergency abroad.
Most traditional health insurance plans would not cover an unexpected illness
or injury during international travel. But travelers with international medical
insurance would have protection for scenarios ranging from a local ambulance
trip to an emergency evacuation for care at the nearest qualified medical facility.
Some even offer repatriation flights out of the country where the traveler is
located back to the US.
Available plans can cover individuals or groups for specific periods of time
abroad and can be in effect should they be stationed abroad for an extended
period of time. There are policies for corporations to insure their personnel,
plans to cover missionaries who are on an outreach program and for those participating
in extreme sports. International travel medical insurance should be considered
for anyone traveling or living abroad.
©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.
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