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Medical coverage when traveling out of the U.S. is limited, if any, in medical treatment coverage - Medicare, or employer, or individual.

The solution - enroll in an international medical insurance plan because this special coverage protects against the big risk of an unexpected high cost medical situation when out of country. This video highlights the value a couple received from their international medical insurance plan.

The cost for this important protection is economical whether on a business trip or personal travel with family members.

HTH Worldwide plans are approved and regulated in the U.S. Details about the following four international medical insurance options can be reviewed on the Parker Agency section of the HTH Worldwide site. A detailed description of each of these plans is available. You can get a quote to learn the cost plus enroll on line.

  • Travel Gap: Travel medical insurance: A very useful plan for business or personal trips outside the U.S. of up to six months. It covers medical and accident situations and has options up to $1,000,000 in coverage.
  • Global Citizen: This plan is for long-term global living situations and can be renewed. It covers services inside and outside of the U.S. with options up to $5,000,000 in coverage.
  • Trip Protector: Going on a cruise? Buying his plan protects your investment in a vacation. Coverage includes interruption or trip cancellation coverage; lost baggage; medical evacuation; and more. It has options up to $1,000,000 in coverage.
  • Global Student - International Student health insurance: This special plan provides U.S. students studying outside country with comprehensive coverage including sports injuries and international students coming to schools in the U.S.

 

Interested in news about the area you are traveling to? This daily update may have useful information on your destination.

Questions about these options or international medical coverage to meet other group or individual situations? Send a note to

Yes they are! Here are a couple reasons:

First - Over 85% of each premium dollar is used to pay the ever expanding cost of the medical treatment people are receiving. It's important to understand, as shown in this chart, how a premium dollar is spent .

      Note: A big reason medical insurance costs are so high today - 70% or more of medical treatment dollars can be connected to conditions resulting from life style choices e.g. smoking, to many big burgers, etc.!.

Second -a chart showing how medical treatment costs have increased much faster than inflation since 1988 can be seen here.

 

If a person suddenly has a significant accident or unique illness the financial risk can be significant. Thus, the most effective way to solve the problem, of having a very very large hospital bill, is to transfer this big risk to a medical insurance company!

How much does treatment cost? The average cost for various medical treatments is shown in this informative chart, on the Life and Health Insurance Foundation for Education's (L.I.F.E.) health insurance cost page. Cost will be higher here in Connecticut but these amounts are still insightful.

Work every day to get lots of exercise and good nutrition. Be pro active, ask your MD lots of questions, and do research when discussing a medical situation. Ask what other lower cost, but just as effective, treatment options are available. It's also very important to get opinions from other MDs before having an invasive procedure.

Buy a Health Savings Account (HSA). It's economical since the premium for the major cost situation insurance part of a HSA is lower plus it's a very effective approach. Many HSA plans cover extensive preventive treatment at 100% and no cost to you.

Insights from experts on effective treatment for various medical conditions can be seen here. A First Aid Guide on handling medical emergencies is also included.

The National Library of Medicine, the National Institutes of Health, and other organizations developed this site to provide extensive medical treatment information. It's  easy to use and authoritative.

Herbal remedies and supplements are increasingly popular treatments for medical conditions, Many people find them useful and effective. But at times they can also have harmful effects! Learn more about the safety and efficacy of 135 of the most popular supplements.

Link here for health insurance companies about medical related benefits!

How medical insurance works, where we are today, and some changes being discussed can be seen in these three informative programs. An avatar guides you through the sessions.

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