International medical insurance for traveling out of U.S. or coming to the U.S.

Coverage for medical expenses, when traveling out of the U.S., is limited, if any, in Medicare, employer, or individual medical plans.

What to do? Protect yourself against the big risk of an unexpected and very expensive medical treatment when on a business trip or personal travel. This video highlights the value a couple received by buying an international medical plan. It's economical and very important.

A special advantage to you - HTH Worldwide plans are approved and regulated in the U.S. The Parker Agency page of the HTH Worldwide site provides details about the following four types of international medical insurance. You can link to a detailed description of each plans coverage; get a cost quote; plus enroll on line. They also provide a mobile app to help you with assistance when traveling.

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 this plan protects your investment. 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 the U.S. with comprehensive coverage including sports injuries and international students coming to schools in the U.S.

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

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

Yes they are! Some reasons:

First - Over 85% of each premium dollar small employers pay goes for people's ever increasing medical treatment costs. This chart is a breakdown of how a dollar of premium is spent!

Note: In addition, to ever increasing medical treatment expenses medical insurance continues to go up because of things such as:

▪ 70% or more of medical treatment dollars can be connected to people's life style choices e.g. smoking, eating to many big burgers, etc.!

▪ MedicAID and MediCARE do not pay providers the full cost of people's medical treatment expenses! This results in providers shifting their unpaid costs to private medical insurance plans.

Second -inflation on medical treatments/procedures has been increasing much faster than normal inflation since 1988. A chart showing this can be seen here.

How much do various medical treatments cost? The average cost in the U.S. for various 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. Costs here in Connecticut are higher than these averages but these amounts are still insightful

If a person suddenly has a significant accident or unique illness they face a very large hospital bill. To avoid this highly possible situation the most effective approach is to transfer this big risk to a medical insurance company!.

▪ Work every day to get lots of good nutrition and avoid sugar. Be pro active, ask your MD lots of questions such as what other effective treatment options are available, which may have a lower cost. It's also very important to get opinions from other MDs before having an invasive procedure. Information in the resources section below may be useful in researching medical situations.

▪ Buying a Health Savings Account (HSA) is more economical than a traditional plan. Why? You are not paying extra premium just in case you have lots of routine expenses. You gain an extensive list of preventive treatment, which is covered at 100% with no cost to the individual. Being sure you receive all preventive check ups is an important part of taking care of yourself. Other MD visits, e.g. when not feeling well, are paid, using before tax dollars, with a debit card connected to a special bank based medical expense account.

▪ 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 provide extensive medical treatment information on this site. It's easy to use and authoritative.

▪ Herbal remedies and supplements are an important part of taking care of themselves for many people. They are useful and effective but at times can have harmful effects! Learn more about the safety and efficacy of 135 of the most popular supplements.

News about medical related benefits!

John C Parker, RHU, LTCP is licensed to conduct business in CT (644135) and RI (1058420) and does not solicit or sell in other states.

Parker Agency
47 Laurel Hill Drive, Niantic, CT 06357-1536
Phone: 860.662.3000