What types of insurance do you offer?

I offer a wide range of insurance options including health, dental, vision, life, disability, long term care, and supplemental insurance. I also provide travel medical and international health insurance plans.

Do you help individuals find health insurance plans?

Yes, I work closely with individuals and families to find health insurance coverage that fits their specific needs, budget, and lifestyle.

Can you help me with Medicare options?

Yes, I specialize in helping clients approaching age 65 understand and enroll in Medicare plans, including supplemental and advantage options.

Do you offer insurance solutions for businesses?

Yes, I help business owners find employee benefits packages, including group health insurance and other coverage options tailored to their team.

What makes your approach to insurance different?

I take a personalized approach by getting to know your unique situation and recommending coverage that truly fits your needs rather than offering one size fits all solutions.

Can you help me compare different insurance plans?

Yes, I guide you through comparing multiple insurance options so you can make an informed decision with confidence.

Do you assist with dental and vision insurance plans?

Yes, I offer dental and vision insurance plans as part of a comprehensive coverage strategy for individuals and families.

What is long term care insurance and do you offer it?

Long term care insurance helps cover the cost of extended care services, and I offer plans that can help protect your financial future and provide peace of mind.

Do you provide ongoing support after I enroll in a plan?

Yes, I continue to support you after enrollment by helping with questions, plan changes, and reviewing your coverage as your needs evolve.

How do I get started with your insurance services?

I start by learning about your needs and goals, then I walk you through your options and help you select the best coverage for your situation.

International Travel Medical Coverage

We recommend for our clients to purchase International Travel Medical coverage as most medical plans do not provide any or adequate coverage outside the United States. In general Medicare, individual and group plans provide the following for international coverage:

Medicare only provides coverage outside the United States for the first 8 miles on a cruise ship and if care in Canada is closer than the U.S. while traveling to Alaska.
Medicare Supplement Plan G and N only provides 80% coverage up to $50,000 and it is subject to limitations.
Medicare Advantage Plans may say they provide worldwide coverage, but they do not provide resources while out of the country.
Individual Marketplace Health Plans do not provide coverage outside the United States.
Group health plans say they provide worldwide coverage but they do not provide resources or coverage tailored for international trips.

Blue Cross Blue Shield Global Solutions provides International Travel Medical coverage and below are some of the benefits of having a policy with them:

Up to $1,000,000 medical maximum
Networks of providers in over 190 countries. Network doctors are paid by Blue Cross Blue Shield Global Solutions, so you do not have to worry about making payment and getting reimbursed.
Support and assistance at your fingertips whenever you need it through the Blue Cross Blue Shield Global Solutions Service Center
Trip interruption benefits
Unlimited telemedicine at no additional cost

Following is the link for the Blue Cross Blue Shield Global Solutions website where you can obtain additional information, coverage options, pricing and purchase coverage:

MedJet provides a membership program for global medical transport. Medjet has two levels of coverage:

Medjet is a worldwide air-medical transport program that is available to travelers on a membership basis. Medjet will arrange medical transfer for members who are hospitalized on an inpatient basis more than 150 miles from their home, either domestically or abroad, to the hospital of their choice in their home country.

This is a pre-paid membership with no monetary limit to the air medical transport benefits.
Domestic air medical evacuation services normally average $30,000 while international transports can exceed $180,000.
The membership fee is the only expenditure for complete domestic and international medical transport protection.
MedJet is not insurance, there are no co-payments, deductibles or claim forms and they don’t ask any health questions for those under the age of 75.
Home country hospital of choice goes beyond evacuation services typically included in business travel accident policies, travel insurance and corporate health policies.

Following is the link to the MedJet for additional information and purchasing coverage:

Benefits of Travel Insurance

Travel Medical Insurance provides peace of mind by covering medical emergencies and also provides access to care as you travel the world.

Benefits of Travel insurance

What Will a Good Travel Medical Policy Do for You?

Travel medical insurance policies are designed to pick up where your primary domestic health plan leaves off and fill in the gaps. The most comprehensive plans will include coverage for big-ticket items such as hospitalizations, surgeries and medically necessary evacuations as well as more basic services like physician office visits, ambulance services, prescription medication and more.

~Source: geobluetravelinsurance.com

International Health Insurance

If a person will be staying out of the United States for an extended period (three months or more) an international health policy can be a good option. These policies provide worldwide coverage and are designed for students and teachers.

International Health Insurance 101

As global lifestyles continue, the demand for comprehensive international health insurance has increased. In response to this demand, superior health plans are now available to serve expatriates and their families. This is a positive development for American expatriates who have historically had limited choices for coverage. Existing insurance options have often missed the mark because of limited benefits, long waiting periods, harsh exclusions, pre-certification penalties, lack of portability and other hidden “gotchas”.

What does this mean to me?

Many people are still unaware that their domestic plans or current international coverage is riddled with gaps when it comes to covering care received internationally. Even if a service is covered it may be strictly on a “pay and claim” basis, leaving subscribers to absorb medical costs up front while facing challenges like lack of cash, credit limits or whether their credit card is even accepted locally. The new generation of plans responds whether you spend the majority of the year in London or Los Angeles by providing comparatively less expensive coverage than a domestic plan, access to network facilities and doctors internationally, 24/7 customer support and direct billing between your healthcare provider and the insurer.

Traditional travel insurance vs. Comprehensive travel health insurance

Comprehensive travel health insurance is available for short trips (1 day to 6 months) or as primary insurance for expatriates or someone relocating to another country for an extended period of time (6 months or longer). Depending on the length of the trip and the plan selected by the consumer, the policies can pay for doctor and hospital bills and sometimes even dental care and prescription medications. Added features that go beyond traditional “injury/illness” coverage for long term, expatriate care can include preventive/routine services, acupuncture, chiropractic care, maternity benefits and more.

Another extremely important benefit to consider when purchasing travel health insurance is medical evacuation coverage. Keep in mind that depending on your travel destination, adequate care for your condition may not be available locally. Medical evacuations can come with hefty price tags (at times up to six figures) and are difficult to organize and coordinate. In such stressful situations, it is important to have the reassurance that you will not have to pay for transportation for a life-threatening emergency to a nearby location for excellent medical care or to return home for the best care (available with Xplorer Premier). What’s more, discerning between one air-ambulance company and another (as just one example of the complexities you could face) or having third party medical personnel assess the care you are receiving locally to verify the necessity of a medical evacuation, are the types of decisions which can be left up to the expertise of a travel health insurance provider.

International living just got a little easier

Navigating health insurance just got a lot smoother. Expatriates often have an appetite for “best in class” and can now enjoy superior health insurance. As always, it is a good idea to do your homework. Always ensure that you read the fine print rather than just scanning a benefit schedule. Ask your broker or insurance company to send you a sample policy so you can get the complete picture. Source: GEO Blue

Please call our office at 713-322-0040 prior to purchasing a international travel plan online so we can make sure you are enrolling in the best plan to meet your needs.

International Travel Medical Coverage