• Short Term Health Insurance Blog

  • Sunday, December 17, 2017

At this point, few travelers are surprised to hear about new fees being instituted by airlines. This practice has become so commonplace over the last few years that it is expected. That said, it does not make the burden of extra expenses any easier for customers to deal with, especially in today's difficult economic times. Consumers must work harder to find other ways to save on travel costs, since airfare is continuously rising. Short term travel insurance offers a great way to do just that.

The latest in a long line of fee increases comes from Spirit Airlines. On March 29th, the U.S.-based carrier announced that when travelers pay for checked or carry-on bags within 24 hours of departure, they will be charged an extra fee. That is an increase on existing fees, bringing the totals to $40 for checking in at the counter or $45 for checking bags at the gate.

For a budget airline like Spirit, a $45 fee represents a sizable portion of the total ticket cost. And if you have selected Spirit as your airline of choice, you are obviously interested in saving money. So it is important that you find other ways to save on your travel expenses. You can do so by looking for cheap deals on hotels, saving on rental cars, or maybe budgeting less for meals.

But another, more proactive solution exists in the form of short term health insurance. Even though insurance requires an upfront investment, it can save you quite a bit in the event of a medical issue. Without insurance, getting medical care in a foreign country could cost you hundreds or even thousands of dollars. Your insurance policy will absorb the bulk of that cost, and it can be used for emergency care, inpatient and outpatient visits, and for prescription medication. If you are looking to save the most money possible to offset the rising cost of travel, you cannot do better than this type of insurance.
Short term medical insurance is designed to protect your financial interests by saving you hundreds, or perhaps even thousands, of dollars on medical treatment for yourself and your family. However, while it provides long term cost savings, it is still nice to get short term savings by finding the best rate on your insurance plan. Perhaps the most effective way to do that is to compare and shop online.

One of the great advantages the Internet offers consumers is the way it makes it so simple for them to quickly and easily find the information they need for various goods and services. With this information, you can make wiser purchase decisions, as you can more swiftly compare features, benefits, and costs to determine the best available value for nearly any good or service.

For purchasing short term medical insurance, this comparison comes in handy as it allows you to look at multiple policies side by side to compare costs, points of coverage, and exclusions. Does one plan have a higher deductible? Does a plan have a higher maximum value?> Does one plan have exclusions that will prevent you from getting something important covered, while another policy will offer you coverage for roughly the same price? Ask these types of questions while scrutinizing each policy you are considering in the review process.

By doing this, you accomplish two things that help you get the very best value. First, you make sure you are getting an adequate amount of coverage. If you bought a plan based solely on the cheapest available price, you might wind up without an appropriate amount of insurance coverage. That could lead to additional expenses from your own pocket for essential medical care. The other great advantage it offers you is to look at the prices in a fair way, meaning you can look at two policies with the same features, benefits, and exclusions, and choose the one with the lowest price point. While searching, you may even find amazing deals on policies you don't even know existed when you first began looking!
Are you finding yourself between jobs in Colorado? In this difficult economy, you are not alone. Many Colorado residents have been left without jobs due to economic difficulties, while others have found new employment opportunities because of vacancies created elsewhere. If you are transitioning between jobs, you will find short term health insurance in Colorado to be very useful.

There are two scenarios in which short term health insurance in Colorado is especially useful to people transitioning between jobs. The first is for people who have been temrinated from their positions. Like most Americans, your health insurance is probably provided by your employer through their group health plan. So when you lose your job, you also lose your insurance coverage. Employers are required by law to offer you COBRA, an alternative insurance plan that allows you to maintain your same level of insurance, but does so with much higher premiums and administrative costs. For someone who has lost their source of income, COBRA is not necessarily a great option because of the cost.

The other situation in which you may want to pursue short term coverage is if you have voluntarily left your job for another one, but your new employer does not immediately issue health insurance. Paying for an employee's health coverage is very expensive, so often an employer will make a new employee go through a 30, 60, or 90 day probationary period before they can be insured. So you will need some sort of protection while you wait out that period.

This type of insurance is perfect for either situation. It gives you and your family access to high quality health care without COBRA's expensive premiums or costly administrative fees. It covers a variety of needs, including inpatient care, outpatient care prescriptions, emergencies, and more. And it can be purchased in shorter increments than many other plans, so you do not have to lock yourself into a year's coverage when you only need a month's. It is truly a convenient and affordable solution for Colorado residents between jobs.
When thinking of what might lead a traveler to the hospital during a vacation or business trip, most people probably think of illnesses, food poisoning, and auto accidents. These are all problems that occur once you get into your destination country. But there is another serious danger that is much less frequently discussed but which can be life threatening. Pulmonary embolisms can be triggered by long flights and in severe cases, they may lead to death. Because of this type of medical threat, it is imperative that you opt for the protection of short term health insurance coverage when traveling on long international journeys.

You may have recently heard about pulmonary embolisms in the news because of world famous tennis star Serena Williams. She recently battled a pulmonary embolism, and was fortunate enough to recover from the problem unscathed, thanks to excellent medical attention. But not every traveler is so lucky. A pulmonary embolism is a blood clot in the lungs which can obstruct breathing, impair the heart's functionality, and even cause death.

On long international flights, some travelers have developed blood clots in their legs due to the long period of inactivity. These blood clots may begin in the legs, but they can then travel through the heart to the lung arteries, which is where the serious danger begins. This is one reason why whenever going on a long international flight, your flight attendants will encourage you to get up, move about the plane, and even exercise. Motion can help keep those clots from forming.

If clots do occur, you will need hospitalization immediately to treat the issue. However, the insurance plan you use in your home country will likely not be accepted, which is why you need a short term health insurance policy. This plan will allow you to get the immediate expert health care that you need at an affordable rate. Don't take any chances when it comes to this very serious threat; protect your health and your finances with this special insurance.
"I am headed abroad for my first international business trip. It will likely be the only such trip I make all year, so I do not want to commit to a long term plan, as that would be too expensive for my needs. Is there a suitable alternative for me?" That is a frequent question heard from infrequent business travelers, and the answer is yes, there is a great alternative. Short term travel health insurance provides the ideal solution.

Unfortunately, your domestic insurance policy will not cover medical needs arising abroad. So if you are traveling for business and find yourself injured or ill, you will need some form of supplemental insurance care. Otherwise, you will be considered uninsured, and you must pay the full cost of medical treatment from your own pocket. Depending on the severity of your issue, that could yield bills of hundreds or even thousands of dollars.

One of the great things about short term travel health insurance is it allows you to purchase only the amount of care you need. For some international business travelers, an annual plan makes the most sense, because they travel many times a year and spend the majority of the year abroad. But for people who are just traveling once or a few times per year, a more cost effective choice is greatly appreciated.

These plans offer robust coverage for travelers. Doctors visits, prescription medications, hospitalization, surgery, and medical evacuation are all covered. Additionally, you may enjoy travel insurance benefits like lost luggage assistance as part of your plan. This type of insurance truly is the convenient, comprehensive choice for infrequent international business travelers.
North Carolina has not been immune to the labor woes experienced by the rest of the United States. Many within the state of North Carolina have lost their jobs over the past few years. This not only presents the obvious problem of a lack of income, but losing your job also usually has the added effect of losing insurance coverage for your family. This prompts many area residents to choose North Carolina short term health insurance for relief.

As of December 2010, the unemployment rate in North Carolina stood at 9.7%. Going back 20 years to 1990. the unemployment rate in the state was only at 4.1%. Looking at just ten years earlier, in the year 2000, the figure was even lower, at 3.8%. But beginning in 2008, the rate began to rise very quickly, reaching a maximum of 11.7% in January 2010. So while the 9.7% figure is troubling, it actually represents an improvement over the beginning of the year. All data comes from The U.S. Bureau of Labor Statistics.

Most Americans count on their employer not only for their weekly income, but also for insurance benefits. Employers offer employees tremendous savings on health insurance through group healthcare plans, making it very affordable for employees to provide the care that their families need. So when someone loses their job, there may be a great deal of anxiety in regards to how this important resource will be supplied.

North Carolina short term medical insurance therefore fills a very important need. When someone no longer has access to a group health plan through their employer, and does not want to pay the high administrative fees that come with using COBRA, they can purchase this type of insurance. It offers great care for your whole family at more affordable prices than COBRA. And you can purchase it for short periods of time, so that when you do land in new job, you are not stuck with a policy you don't need. These plans offer great care, convenience, and peace of mind for policyholders.

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