Health Blog Posts

8 Health Insurance Tips for Worldwide Travelers

8 Health Insurance Tips for Worldwide Travelers

Posted by Lauren McNitt on August 31, 2016 in Insurance

Travel medical insurance is a necessity for most world travelers, as many standard medical policies will not cover you when you are abroad. Many travel policies will offer additional benefits, such as medical evacuation or trip interruption coverage.... Read More ...

How to Make Changes to Your Travel Medical Policy

How to Make Changes to Your Travel Medical Policy

Posted by Emmet Pierce on August 24, 2016 in Insurance

No matter how carefully you prepare for a trip abroad, unexpected situations can still pop up to alter your travel plans. When you need to change travel dates or reschedule a trip, it's important to know the procedure for contacting your travel medical insurance company. Travel Insurance Review notes that insurance carriers are typically very willing to work with travelers in order to make a change or correct a mistake.... Read More ...

6 Tips for Having the Best Roadtrip Ever

6 Tips for Having the Best Roadtrip Ever

Posted by Goats on the Road on August 23, 2016 in Travel

Road trips are prime time for epic travel, as they allow you to see things along the way you would’ve never imagined before you set out. But planning a road trip can be hard when trying to find the right balance between carefully planning an itinerary that makes sense and simultaneously allowing enough time for unplanned ventures to naturally unfold along the way. There’s some element of adventure to setting off on the open road, so here are a few tips that will help you to enhance that thrill while also ensuring that you don’t go too far into uncharted territory.... Read More ...

How to Survive Missing Meds and Lost Checked Luggage

How to Survive Missing Meds and Lost Checked Luggage

Posted by Bekah Wright on August 22, 2016 in Travel

Ireland is lovely and I'm having a great time here. There's been a small snafu, however. Not only has my luggage gone missing, but so have some vital medications. Here's what happened: A country sojourn was scheduled on my itinerary. A flight from Dublin to a small-town airport went off without a hitch. I spent time in a castle and amongst acres and acres of stunning green landscape. Needless to say, the beauty of it all put me in a very relaxed mood. All too soon, it was time to return to the city (not that that's a bad thing, mind you).... Read More ...

How to Survive Getting Sick at Sea

How to Survive Getting Sick at Sea

Posted by Bekah Wright on July 20, 2016 in Travel

Dear Tokio Marine HCC - MIS Group: A while back, I went on my first cruise. It was a lovely experience except… I got sick. Not seasick, mind you, but flu sick. I stuck it out for a day before realizing some type of medication might be in order. A visit to the ship's doctor fixed me right up. What caught me by surprise, though, was the hefty bill I received.... Read More ...

Staying Healthy While You Travel

Staying Healthy While You Travel

Posted by Goats on the Road on July 18, 2016 in Travel

At its best, travel is a fun and often unpredictable whirlwind.  But to really enjoy your time on the road, you’ll want to be feeling healthy and strong.  You’re putting your body through a lot of challenges, from eating new foods to changing up your normal routine. However, there’s nothing so complicated about staying healthy while you’re on the road. ... Read More ...

How to Survive an Insect-Filled Vacation Abroad

How to Survive an Insect-Filled Vacation Abroad

Posted by Bekah Wright on July 7, 2016 in Travel

There's something about yurts that intrigue me. So when I had the chance to stay in one while traveling in Malaysia, I jumped at the chance. As for the insect coil that's lit at bedtime, I thought it was merely for ambiance. Then, sometime in the middle of the night, I awoke, feeling as if my body was on fire. I was being eaten alive by insects. Literally.... Read More ...

Health Concerns for Study Abroad Students

Health Concerns for Study Abroad Students

Posted by Emmet Pierce on June 16, 2016 in Study Abroad

When you're planning to study abroad, it's very important to consider the potential health issues you could encounter as a visiting student. The Center for Global Education's Student Study Abroad Safety Handbook suggests that you take time to learn about precautions you can take to avoid illnesses, and the U.S. Centers for Disease Control and Prevention (CDC) publishes travel advisories on its website for countries around the world. The U.S. Department of State also provides information on its Students Abroad website.... Read More ...

3 Levels of Travel Medical Coverage for U.S. Visitors

3 Levels of Travel Medical Coverage for U.S. Visitors

Posted by Brianna Weidman on May 24, 2016 in Insurance

If you're in the process of planning your trip to the United States, you've probably come across hundreds of resources directing you toward the latest-and-greatest travel deals, hotel and flight accommodations, and must-see tourist attractions. But understanding your options when it comes to travel medical insurance? That can be tricky. It's important to understand that many standard medical insurance policies do not cover you outside of your home country -- and that, in the United States, people are responsible for their own health care costs. As a result, travelers without applicable healthcare coverage are exposed to these high costs, which can lead to deep debt or even bankruptcy.... Read More ...

Does Caffeine Endanger Your Health?

Does Caffeine Endanger Your Health?

Posted by Emmet Pierce on May 20, 2016 in Personal Wellness

From coffee shops to supermarket shelves and vending machines, caffeinated drinks are everywhere. For millions of people, a cup of coffee is the first nourishment they receive each day. Drinking coffee can make a person feel more alert or better able to concentrate, and athletes often look to caffeine to give them a burst of energy and perhaps even a competitive edge. According to a report by Brown University, caffeine is consumed by up to 90 percent of the world's population, mainly through drinks.... Read More ...

How to Survive a Sports Injury Abroad

How to Survive a Sports Injury Abroad

Posted by Bekah Wright on May 17, 2016 in Travel

Dear Tokio Marine HCC - MIS Group: Yes, it's me, the klutziest of travel journalists, writing to you again. So, here's what happened recently: I tried my hand at fly-fishing in Mammoth, California. After that experience, I decided to undertake the sport again in Exmouth, which is located in central-western Australia. My target spot: Nigaloo Lagoon. Word is, the fly-fishing there is renowned, and the landscape glorious. Why are you touching base with us, you ask? Well, there was an incident during my Mammoth Lakes fly-fishing experience. One I hope not to repeat, but, if I do… Well, let me explain.... Read More ...

Prepping for the Third World

Prepping for the Third World

Posted by Bekah Wright on May 6, 2016 in Travel

Planning a trip outside the United States? Along with scouting online for transportation, accommodations, and sightseeing suggestions, travelers should allot time on the Centers for Disease Control and Prevention's (CDC) website. Easily navigable, the site's drop-down menus feature vaccination requirements for both types of travelers (i.e. students, missionaries, families traveling with children) and worldwide destinations. Additionally, alerts provide up-to-date reports of countries with outbreaks of diseases, like Zika virus.... Read More ...

5 Ways to Make the Most Out of Your Gym Membership

5 Ways to Make the Most Out of Your Gym Membership

Posted by Eric Rosenberg on April 29, 2016 in Personal Wellness

Millions of Americans have gym memberships, but with busy schedules it is easy to skip the gym- or not take full advantage of everything you are paying for. According to CNBC, the average gym membership costs $40-$50 per month. If you are paying $600 per year for a gym, do everything you can to make the most out of your membership and get your money's worth.... Read More ...

How to Survive a Dental Emergency Abroad

How to Survive a Dental Emergency Abroad

Posted by Bekah Wright on April 25, 2016 in Travel

As a travel writer, I'm always on the road. And as someone who's accident prone, I've learned the benefits of preparing for the unpredictable by purchasing travel insurance. Which brings me to a recent trip to Germany. Prior to a conference, I visited several major cities throughout Germany. I'm happy to say, despite being a klutz (a word of German origin, by the way), I didn't trip or fall even once. It seemed like I was going to get through the trip without incident, until a fateful encounter with a gummy bear.... Read More ...

5 Ways to Stay Healthy While Traveling

5 Ways to Stay Healthy While Traveling

Posted by Andrea Emerson on April 15, 2016 in Personal Wellness

You've finally made it. Months of saving your vacation days, picking out the right swimwear and meticulously planning your trip have finally paid off. You're almost there. But as excited as you are to embark on a new adventure, a small voice in the back of your head is yakking on about all the calories you're about to eat, the risks and temptations of your destination city, and how hard that first workout will be when you return. Fear not. Though your vacation should be a time to let loose, you don't have to choose between being healthy and having fun. In fact, here are five simple ways to stay healthy that can actually help you get more out of your vacation.... Read More ...

Travel Medical Insurance for Parents Visiting the U.S.

Travel Medical Insurance for Parents Visiting the U.S.

Posted by Emmet Pierce on April 12, 2016 in Insurance

It's wonderful to receive a visit from parents who live in a foreign country, but don't forget to have a travel medical insurance policy in place to help cover any unexpected medical costs that might arise while they're in the U.S. When your parents travel, it's likely their domestic medical insurance policy will no longer cover them once they've left their home country. U.S. medical care is among the most costly in the world, and a simple fall could send your parents to the hospital, leaving them with large medical bills.... Read More ...

11 Tips to Stay Healthy While Unemployed

11 Tips to Stay Healthy While Unemployed

Posted by Lauren McNitt on April 8, 2016 in Personal Wellness

Maintaining a healthy lifestyle is challenging and it is often even more difficult when you are unemployed. A gym membership may be off the table, and making the McDonald's dollar menu part of your daily routine can be very tempting. So how do you keep working out, eating well, and attending to your mental health with a waning bank account balance and no job?... Read More ...

How Travel Medical Insurance Protects Your Family While Vacationing Abroad

How Travel Medical Insurance Protects Your Family While Vacationing Abroad

Posted by Brianna Weidman on April 5, 2016 in Insurance

Taking your family vacation international this year? Whether you're planning to soak up the sun in the Bahamas or knock some historical sites off your European bucket list, you're probably determined to relish every second you spend with your family abroad. And while you're bound to have an incredible vacation experience, there are certain health, safety, and financial precautions you can take to secure the welfare of your family. One safeguard worth considering, as noted by the Centers for Disease Control and Prevention (CDC), is travel medical insurance.... Read More ...

10 Health Myths—Debunked!

10 Health Myths—Debunked!

Posted by Cheryl Alkon on April 1, 2016 in Personal Wellness

Some health myths continue to thrive, despite research showing they just aren't true. Here, the truth behind the tall tales: Myth #1: Diet soda supports weight loss Truth: Diet soda is surprisingly bad for you. In a 2015 study of older adults published in the Journal of the American Geriatrics Society, the more diet soda people drank, the wider around the waist they were. According to Time magazine, more belly fat can lead to inflammation, cardiovascular disease, and diabetes.... Read More ...

What to Do for Health Insurance While You're Waiting on Medicare

What to Do for Health Insurance While You're Waiting on Medicare

Posted by Eric Rosenberg on March 30, 2016 in Life Transitions

Medicare is a federal health insurance program for adults 65 and older, and for some younger Americans who have a qualifying disability. The program was originally designed to take over for health insurance in retirement after employer coverage has ended, but has grown to be the go-to health plan for adults over 65.... Read More ...

3 Tips for Getting the Best Short-Term Insurance

3 Tips for Getting the Best Short-Term Insurance

Posted by Eric Rosenberg on March 29, 2016 in Insurance

Sometimes, whether because of a move, a job change, or a family event, we need to find a way to fill the gap in health insurance coverage. Living without coverage is a major risk, as an unexpected illness or injury could lead to tens of thousands of dollars in medical bills. To ensure you are covered in between major medical insurance plans, short-term medical insurance might be the perfect fit for your needs.... Read More ...

Traveling with Mobile Disabilities: It's All About Planning Ahead

Traveling with Mobile Disabilities: It's All About Planning Ahead

Posted by Emmet Pierce on March 28, 2016 in Travel

Having mobility problems may pose challenges, but it doesn't have to stop you from traveling overseas or visiting the countries you've been longing to see. If you prepare for the obstacles you may encounter, you can successfully visit many popular destinations, said Timothy Holtz, group travel coordinator for Minnesota-based Flying Wheels Travel.... Read More ...

6 Tips for Boosting Personal Wellness without Breaking a Sweat

6 Tips for Boosting Personal Wellness without Breaking a Sweat

Posted by Eric Rosenberg on March 25, 2016 in Personal Wellness

When people think of getting healthy, one of the first ideas that comes to mind is joining the gym or getting more exercise. While these are important steps in maintaining your physical health, there is much more to wellness than just exercise. Following these tips will help you live a healthier life- even when you can't find time to head to the gym.... Read More ...

Turning 26: How to Buy Your First Health Insurance Policy

Turning 26: How to Buy Your First Health Insurance Policy

Posted by Robert DiGiacomo on March 23, 2016 in Life Transitions

Under the Affordable Care Act, your parents are permitted to include their adult children on their health insurance policy until they turn 26. The actual termination date for coverage for adult children will depend on whether you're on a Marketplace — or government-subsidized plan — or covered through private insurance through a parent's employer. If you're about to light 26 candles on your birthday cake, here's what you need to need to know to remain insured:... Read More ...

Is Travel Medical Insurance Right for You?

Is Travel Medical Insurance Right for You?

Posted by Robert DiGiacomo on March 22, 2016 in Insurance

Travel medical insurance can provide important peace of mind –– and cover life-saving emergency medical services when you're out of the country. Such insurance can cover everything from a doctor's visit to treat an upset stomach to an evacuation back to the U.S. for emergency care. However, travel medical insurance isn't necessarily for everyone –– you may already be protected by an existing insurance policy, your credit card, or other coverage provided by an airline or vacation operator. Here are six questions to ask before purchasing a travel medical insurance policy:... Read More ...

Should You Take a Genetic Test to Learn More About Your Health?

Should You Take a Genetic Test to Learn More About Your Health?

Posted by John Egan on March 11, 2016 in Personal Wellness

Genetic testing has opened a window to some of the most intricate aspects of our health. Today, through testing available at medical offices or even at home, we can get a close-up look at our genes, which the National Human Genome Research Institute describes as the DNA instructions you inherit from your mother and your father. This peek at our genes offers an array of medical insights, assisting medical professionals in diagnosing disease, determining the severity of a disease or pinpointing the likelihood of developing a disease.... Read More ...

Returning from the Mission Field

Returning from the Mission Field

Posted by Eric Rosenberg on March 9, 2016 in Life Transitions

Going on a mission trip to a foreign country can be an amazing and rewarding experience. In addition to religious work, missions are a great way to help those in need around the world by offering community building, medical, and other support. Returning home from a lengthy trip in a less-developed region can be a big shock. Follow these steps to make your transition home smooth and comfortable.... Read More ...

3 Ways to Find Out If Your Drinking Water is Safe

3 Ways to Find Out If Your Drinking Water is Safe

Posted by Eric Rosenberg on March 4, 2016 in Personal Wellness

With recent scares about water safety in Flint, Michigan, people around the United States want to make sure their drinking water is safe, both in their own homes and abroad. Water contamination can be an issue anywhere in the world, and knowing the signs to look out for and how to test for water safety can save you from serious illnesses and carcinogens.... Read More ...

5 Situations Where You Need Short-Term Health Coverage

5 Situations Where You Need Short-Term Health Coverage

Posted by Lauren McNitt on March 2, 2016 in Life Transitions

Short-term health insurance can be critical to ensuring you are covered with no gaps throughout the transition periods in your life. Below are examples of five life transitions during which you would need short-term health insurance. 1. You started a new job and are waiting for your employer's insurance to start. A short-term health insurance plan may be a great solution for you if you are moving from one job to another. Your former company's plan will lapse once you leave, and many companies don't provide health insurance on your start date, but rather 60 or 90 days after. Keep in mind that you will not be eligible for Cobra if you opt for short-term coverage.... Read More ...

Travel Insurance vs. Travel Medical Insurance: Is There a Difference?

Travel Insurance vs. Travel Medical Insurance: Is There a Difference?

Posted by Brianna Weidman on March 1, 2016 in Insurance

Purchasing an insurance policy is one of the most important things travelers can do to protect themselves from the health, safety, and financial risks that accompany international travel. But when it comes to travel insurance, it’s often difficult to figure out exactly what you’re getting- or even what it is that you actually need. In this article, we break down the two types of insurance you may be considering: travel insurance and travel medical insurance. Is there a difference between the two? The answer is usually yes.... Read More ...

How to Build a Personal Wellness Program Specific to YOU!

How to Build a Personal Wellness Program Specific to YOU!

Posted by Andrea Emerson on February 26, 2016 in Personal Wellness

Raise your hand if you want to improve your health, but don't know where to start or how to stick with it long enough to see real, sustainable results. Is that you? We hear ya. Listen, improving your health is a great goal, and we've all heard stories of people who underwent amazing health transformations. And yet, the approach that worked for the gal or guy down the street (or in that magazine article you read) won't necessarily work for you.... Read More ...

What is Catastrophic Insurance?

What is Catastrophic Insurance?

Posted by Eric Rosenberg on February 23, 2016 in Insurance

When you shop for health insurance, you will come across many different types of policies designed to match your financial and healthcare needs. Some policies have a higher monthly premium and a lower out-of-pocket cost when you visit the doctor. Others have a low premium but very high out-of-pocket cost for regular care. One such health plan that has a lower premium and a higher deductible is a catastrophic health plan. Here's what you need to know about catastrophic insurance plans.... Read More ...

What is Medical Care Like Outside the U.S.?

What is Medical Care Like Outside the U.S.?

Posted by John Egan on February 22, 2016 in Travel

When you visit the ER or the doctor's office in the U.S., you pretty much know the routine. That routine isn't the same in other countries, however. From Argentina to Zimbabwe, people access health care in a variety of ways. Here's a look at how medical care works in a number of popular travel destinations outside the U.S., and how American travelers might receive care in the event of an unexpected illness or injury while abroad.... Read More ...

Here's Why You Should Be Nuts About Almonds

Here's Why You Should Be Nuts About Almonds

Posted by John Egan on February 19, 2016 in Personal Wellness

Step aside, peanuts and walnuts. Almonds now are the most popular nut in the U.S. Why? Because the health benefits of adding almonds to our diets are nuts. For example, a new study from the University of Florida found that an almond-rich diet is healthier than an almond-less diet. A 1-ounce serving of almonds — about 23 nuts — provides 164 calories and, according to the Institute of Food Technologists, is packed with protein, fiber, unsaturated fats, vitamins and minerals.... Read More ...

Study: Women's Health and Coverage Both Decline Following Divorce

Study: Women's Health and Coverage Both Decline Following Divorce

Posted by Andrea Emerson on February 17, 2016 in Life Transitions

A study by the University of Michigan titled Divorce and Women's Risk of Health Insurance Loss reported that roughly 115,000 American women lose private health insurance each year in the months following a divorce, and more than half of them become uninsured. What's more, divorce also causes their health to decline, both physically and psychologically, compounding the loss of medical coverage and financial hit that follow a divorce. It's a perfect storm for many women struggling with the end of their marriage.... Read More ...

Drinking Alcohol: How Much is Too Much?

Drinking Alcohol: How Much is Too Much?

Posted by Emmet Pierce on February 12, 2016 in Personal Wellness

Enjoying a glass of wine, beer, or distilled liquor can be harmless for adults who monitor their intake, but drinking in excess can lead to a variety of physical and mental health problems. Because alcohol is a drug, it's important to moderate your consumption so you don't develop a dependency that leads to illness. If you become dependent on alcohol to relax or cope with daily stress, drinking less can become difficult.... Read More ...

How to Complete Your Medical Residency in the U.S.

How to Complete Your Medical Residency in the U.S.

Posted by Lauren McNitt on February 11, 2016 in Study Abroad

Practicing medicine in the United States can be appealing to many international medical students and doctors, but the U.S. requires these physicians to undergo an extensive process — including re-completing residency in the U.S. One way to avoid completing two residencies, which could take as long as 10 years, is to complete just one residency — in the United States. However, this can be challenging due to a shortage of slots in residency programs in many states and roadblocks for international students qualifying for financial aid.... Read More ...

Coffee Brews Numerous Health Benefits

Coffee Brews Numerous Health Benefits

Posted by John Egan on February 5, 2016 in Personal Wellness

Every day, it seems, another new study touts the health virtues of coffee. For instance, a recent study in the American Journal of Epidemiology reports that coffee consumption can reduce the risk of death by decreasing inflammation, improving lung function, decreasing sensitivity to insulin and fighting depression. Meanwhile, a recent study in the American Heart Association's journal Circulation shows that among nonsmokers, drinking one to five cups of coffee a day is linked to a lower risk of death from type 2 diabetes, heart diseases, and neurological diseases.... Read More ...

Open Enrollment is Closed: Now What?

Open Enrollment is Closed: Now What?

Posted by Eric Rosenberg on February 2, 2016 in Insurance

If you've missed the open enrollment window to sign up for an ACA-compliant health plan through the Health Insurance Marketplace, all hope is not lost. You still have several options to get coverage for the year. Take these steps to find a plan that will work for your needs, no matter the time of the year. Short-Term Policies If you do not have insurance coverage and you need it in a hurry, one of the first places to look is short-term medical coverage. While these types of plans are not compliant with the Affordable Care Act... Read More ...

Managing Health Insurance Through Divorce

Managing Health Insurance Through Divorce

Posted by Robert DiGiacomo on January 27, 2016 in Life Transitions

For couples going through a divorce, making decisions dividing your home and other assets and resolving custody issues may be top of mind. But you should also make it a priority to maintain health coverage for you and your children. Among the issues to resolve: Can you retain coverage under your spouse's plan? Will your children be covered? What options do you have for temporary coverage? No matter what, you don't want a gap in coverage. Know your healthcare rights and find out which insurance options are available to you as you finalize your divorce.... Read More ...

How a High Deductible Health Plan Affects Your Finances

How a High Deductible Health Plan Affects Your Finances

Posted by Eric Rosenberg on January 19, 2016 in Insurance

Your health insurance plan is a major factor in your finance. If you've arrived here, you likely have questions about how you can save money on health insurance and medical expenses. No two situations are alike, so read on to determine whether a high deductible health plan is a good match for your needs.... Read More ...

Everything You Need to Know About Zika Virus

Everything You Need to Know About Zika Virus

Posted by Brianna Weidman on January 19, 2016 in Travel

The Centers for Disease Control and Prevention has issued a Level 2 (practice enhanced precautions) travel advisory following an alarming number of reports in Brazil of microcephaly and other severe birth defects in babies born to mothers infected with Zika virus while pregnant.... Read More ...

Why Soda is So Bad for Your Health- and How You Can Kick Your Habit for Good

Why Soda is So Bad for Your Health- and How You Can Kick Your Habit for Good

Posted by Brianna Weidman on January 15, 2016 in Personal Wellness

Did you know that just one can of regular soda is over 100% of your recommended daily intake of sugar? By now, you’re probably aware of the growing pile of research disparaging your soda habit- after all, most of us know that the frequent consumption of soda has been linked to weight gain and high blood pressure. But the sweet, refreshing taste of soda (and the sugar rush it provides) can be hard to give up. Read on to discover just how these sugary beverages affect your body in the long run- and how you can kick your habit for good.... Read More ...

Short-Term Health Insurance Can Bridge the Gap

Short-Term Health Insurance Can Bridge the Gap

Posted by John Egan on January 13, 2016 in Life Transitions

Thanks to the Affordable Care Act (ACA), otherwise known as ObamaCare, interest in short-term health insurance has spiked significantly. According to health insurance exchange eHealth, there was a 134 percent jump in applications for short-term health insurance between 2013 and 2014, when many ACA rules took effect.... Read More ...

Managing the Health Insurance Waiting Period

Managing the Health Insurance Waiting Period

Posted by Eric Rosenberg on January 12, 2016 in Insurance

Signing up for healthcare coverage is an important step to take in protecting yourself and your family from financial expenses should a medical issue arise unexpectedly. However, simply signing up does not mean your coverage will begin immediately. If you are enrolling in a new healthcare plan, you can take the following steps to ensure that you remain protected throughout any gaps in coverage.... Read More ...

Doing It Right: Choosing an Exercise Plan That's Right for You

Doing It Right: Choosing an Exercise Plan That's Right for You

Posted by Emmet Pierce on January 8, 2016 in Personal Wellness

You can save money on health care by improving your level of physical fitness—but choosing the wrong exercise program can lead to injuries and illness.... Read More ...

How to Protect Yourself from Open Enrollment Scams

How to Protect Yourself from Open Enrollment Scams

Posted by Eric Rosenberg on January 6, 2016 in Life Transitions

With open enrollment deadlines looming, Americans looking to avoid the Affordable Care Act (ACA) tax penalty are rushing to get insured. While there are many reputable companies and agents helping people find the right health coverage for their needs, there are also plenty of bad guys out there trying to scam people for a quick buck. You can protect yourself from fraud with these tips.... Read More ...

Deductibles, Coinsurance, and Co-Pays: A Beginner's Guide

Deductibles, Coinsurance, and Co-Pays: A Beginner's Guide

Posted by Eric Rosenberg on January 5, 2016 in Insurance

Health insurance can be complicated, but it doesn't have to be. Insurers and healthcare professionals often use intimidating terms when discussing paying for your doctor's visit, but with a good understanding of how insurance payments work, you can save yourself both money and stress.... Read More ...

5 Tips to Make Your New Year's Resolutions Stick

5 Tips to Make Your New Year's Resolutions Stick

Posted by Cheryl Alkon on January 1, 2016 in Personal Wellness

As the champagne fizzles out and the confetti is swept away, we welcome the new year as a fresh start. It's prime time for many of us to make New Year's resolutions to try to become better versions of ourselves.... Read More ...

Health Insurance Options When Aging off Your Parent’s Policy

Health Insurance Options When Aging off Your Parent’s Policy

Posted by Ashley Norman on December 30, 2015 in Life Transitions

When you turn 26, you are no longer eligible to stay on your parents’ health insurance plan. If you’re turning 26 soon, or have parents who qualify for Medicare before you turn 26, you will need to find alternative health coverage.... Read More ...

7 Healthy New Year's Resolutions to Kick Off 2016

7 Healthy New Year's Resolutions to Kick Off 2016

Posted by Ashley Norman on December 30, 2015 in Personal Wellness

Are you ready for a happier, healthier version of yourself? Well it’s the time of year again to begin setting New Year resolutions. People often set resolutions on Jan. 1 and get excited, but lose their motivation and give up before the end of the year.... Read More ...

5 Questions to Ask Yourself During Open Enrollment

5 Questions to Ask Yourself During Open Enrollment

Posted by Eric Rosenberg on December 29, 2015 in Insurance

For many Americans, open enrollment is happening now. Open enrollment is a period each year where employees are able to make changes to their employer-sponsored or state-run marketplace health insurance plans. The 2016 Healthcare.gov open enrollment period lasts from November 1, 2015-January 31, 2016.... Read More ...

What You Need to Know About Health Insurance When Starting a New Job

What You Need to Know About Health Insurance When Starting a New Job

Posted by Eric Rosenberg on December 7, 2015 in Insurance

Starting a new job is exciting, but all the paperwork about insurance, taxes, and benefits can be confusing.... Read More ...

4 Lifestyle Hacks to Save Money on Healthcare

4 Lifestyle Hacks to Save Money on Healthcare

Posted by Emmet Pierce on November 23, 2015 in Personal Wellness

If feeling good isn't enough motivation for you to adopt a healthy lifestyle, consider the fact that taking care of yourself can greatly reduce your health care costs. Trips to the doctor, medical tests, and other treatment will cost you money in the form of insurance co-payments and policy deductibles.... Read More ...

Travel Health Insurance Myths

Travel Health Insurance Myths

Posted by Abigail Pratt on May 7, 2015 in Insurance

Do any of the following travel medical insurance myths sound like a reason that has prevented you from buying a policy? Hopefully your situation is unlike the millions of people who travel every year, and find themselves in precarious circumstances without the protection of travel medical insurance. Here are some travel insurance myths you should learn about before you decide whether or not to purchase a plan before your next trip abroad.... Read More ...

9 Insanely Easy Ways to Improve Your Trip Abroad

9 Insanely Easy Ways to Improve Your Trip Abroad

Posted by Kelli Vorndran on May 7, 2015 in Travel

Excuses not to travel are easy to find. Here are nine international travel tips that can help you overcome your objections to leaving your home country.... Read More ...

Individual Mandate Changes for Cancelled Insurance Plans

Individual Mandate Changes for Cancelled Insurance Plans

Posted by Kelli Vorndran on May 5, 2015 in Insurance

The Obama administration has announced that Americans whose insurance plans have been canceled this year will get a temporary exemption from the “individual mandate” section of the Affordable Care Act. This means that if your insurance company cancelled your insurance plan in 2013, the federal government won’t require you to get health insurance in the... Read More ...

How Does the Ebola Outbreak Affect Travel to Africa?

How Does the Ebola Outbreak Affect Travel to Africa?

Posted by Kelli Vorndran on April 27, 2015 in Travel

The largest and longest outbreak of the Ebola virus in history, which is ongoing, has the disease in the news and has people worldwide worried about the spread of the disease. While it may not be too much of a concern outside Africa at the present time, it is a grave worry there—especially in the continent’s western region. For international travelers,... Read More ...

H1N1 Is Still Hitting College Campuses - Are You Covered?

H1N1 Is Still Hitting College Campuses - Are You Covered?

Posted by Muhammad Yasin on April 23, 2015 in Study Abroad

With an increasing number of H1N1 cases on college campuses around the world, health insurance for international students is becoming even more beneficial. Many colleges and universities require medical coverage in order for international students to enroll and study in programs abroad. Even though many schools sponsor and distribute their own H1NI medical plans, students still have the option to purchase a third-party plan as long as that plan meets the school’s minimum benefit requirements.... Read More ...

Five Ways to Stay Cool in the Summer

Five Ways to Stay Cool in the Summer

Posted by Kelli Vorndran on April 22, 2015 in Personal Wellness

During the hot summer months you need to stay cool, especially if you’re going to spend any significant time outdoors. You will face the hot weather at some point, even if you plan to spend the majority of your time indoors with air conditioning. Here are five ways to stay cool in the summer.... Read More ...

Making Sense of Healthcare Insurance Extensions

Making Sense of Healthcare Insurance Extensions

Posted by Kelli Vorndran on January 12, 2015 in Insurance

You aren’t alone if the constant changes to the Affordable Care Act (ACA) deadlines are making you feel confused. Difficulties with the Healthcare.gov website, program rollouts, and uncertainty about levels of coverage have many American consumers unsure where to begin. A recent development... Read More ...

Top 5 Questions to Ask About Short Term Medical Insurance

Top 5 Questions to Ask About Short Term Medical Insurance

Posted by Kelli Vorndran on January 8, 2015 in Insurance

You’re in a period of transition – job loss, aging out of your parents’ policy, and so on – and you’re considering the purchase of short term medical (STM) insurance. You know STM is for the gaps when you’re between long-term coverage alternatives, but you still need more information. Here are the top 5 questions... Read More ...

How Short Term Medical Insurance Fills the Coverage Gap

How Short Term Medical Insurance Fills the Coverage Gap

Posted by Kelli Vorndran on January 8, 2015 in Life Transitions

Living without health insurance is risky. Should an accident occur when you’re without coverage, the financial ramifications could be life-altering. To combat chances of consumers being hit with large bills, the Affordable Care Act.... Read More ...

Health Insurance Organizations and Programs

Health Insurance Organizations and Programs

Posted by Sandra Eblevi on December 9, 2014 in Life Transitions

This a challenging time to research health insurance policies and benefits. Although the ultimate results of the Patient Protection and Affordable Care Act promise to produce positive changes to our nation’s health care system, the industry is experiencing change and uncertainty. Resources, however, are available wherever you choose to turn. Dr. Carolyn McClanahan, a physician and a financial advisor, wrote a synthesis of the legislation for the website Forbes.com, titled “Cliffs Notes Version of the Affordable Care Act.” In the article, she summarizes the 10 titles of the bill and provides specifics as to what consumers can expect as changes are implemented over the next decade. Once each change has taken effect, professional researchers will identify the public and private agencies, departments, offices, foundations and other organizations involved in the current and planned healthcare system. In the meantime, here are other resources for your search.... Read More ...

How STM Can Benefit Consumers During ACA Enrollment Gaps

How STM Can Benefit Consumers During ACA Enrollment Gaps

Posted by Kelli Vorndran on November 4, 2014 in Life Transitions

Open enrollment in 2014 for a Marketplace health plan under the Affordable Care Act (ACA) came to a close on March 31. A plan purchased between March 16 and March 31 will go into effect on May 1. After that – unless you have a life event such as losing your job, having a child, or getting divorced – you will have to wait for the next enrollment period, which is set to begin in November. But even if... Read More ...

Resources for Students Studying Abroad

Resources for Students Studying Abroad

Posted by Jarred Juett on September 24, 2014 in Study Abroad

No matter your home country or where you will study, studying abroad may be a challenging experience. As you transition from your home into a new culture, you will experience culture shock. One of the best ways to deal this transition period is to know what resources are available to you and how to best use those resources. International student resources come in various forms: critical information, programs that can help you get connected to school and make living abroad easier, and where to find these resources.... Read More ...

Ebola Outbreak 2014: Facts and Misconceptions

Ebola Outbreak 2014: Facts and Misconceptions

Posted by Kelli Vorndran on August 20, 2014 in Insurance

With the Ebola virus outbreak currently raging in Africa, the disease has been in the news a lot lately. Ebola is a severe illness found in humans and other primates, which has primarily appeared in rain forest areas in West Africa, where the current outbreak is located, and in Central Africa. There is no licensed specific treatment or vaccine for humans or animals. Drug therapies exist, but supportive care... Read More ...

Explorer Travel

Explorer Travel

Posted by Muhammad Yasin on August 11, 2014 in Travel

The adventure traveler doesn’t stay in five-star hotels, dine in restaurants requiring a tie and jacket, or hire a chauffeur deliver him to destination hotspots. The adventure traveler plans for a vacation filled with adrenaline-pumping activities, once-in-a-lifetime challenges and scenic vistas. Proper attire, from waterproof boots to impact-resistant sunglasses, is a necessity. In addition, the adventure traveler must prepare prior to the trip by making various lists, packing documents and other potentially life-saving items such as a first-aid kit, rain poncho and quality compass.... Read More ...

Corporate Travel Insurance: Five Reasons You Need Coverage

Corporate Travel Insurance: Five Reasons You Need Coverage

Posted by Muhammad Yasin on July 30, 2014 in Insurance

You are 30,000 feet in the air reviewing your presentation for an upcoming meeting in Brussels, Belgium. As the plane begins to descend, you experience shortness of breath. By the time the plane lands, you need to go to the hospital. A situation like this is one of several reasons corporate travel insurance is critical when journeying internationally. Below are five reasons you can’t leave home without it:... Read More ...

Trip Medical Insurance Buying Guide

Trip Medical Insurance Buying Guide

Posted by Jarred Juett on July 29, 2014 in Insurance

Whenever we interact with new customers thinking about trip medical insurance, one of the points we try to drive home the strongest is this:... Read More ...

Sugar and Health Facts | Sweet Tooth Infographic Part 3

Sugar and Health Facts | Sweet Tooth Infographic Part 3

Posted by Muhammad Yasin on July 29, 2014 in Personal Wellness

Halloween ranks as the No. 1 biggest candy selling day, ahead of Christmas and Easter. The aftermath of all that candy consumption could require more than a toothbrush and paste. How about a visit to the dentist, worldwide medical insurance with optional dental coverage, and, the next time around, plenty of willpower to control your sweet tooth and resist those wrapped packages of temptation?... Read More ...

Trip Accidents: South America Trip Accidents Infographic

Trip Accidents: South America Trip Accidents Infographic

Posted by Muhammad Yasin on July 29, 2014 in Travel

From the picturesque beaches of Venezuela to the snow-capped summits of Chile, South America holds some of the most beautiful locations in the world and attracts visitors from around the world. Whatever your escapades throughout the continent, whether it’s reading Borges in his hometown of Buenos Aires or racing llamas through Peru, keep in mind that trip accidents may happen. Getting travel insurance can help in the long run if you happen to catch a soccer ball to the face during a Brazil match. This infographic gives you an idea of how much trip accidents abroad could cost you without insurance. Before going south of the equator, check into your insurance options, and try not to get too crazy with your tango moves.... Read More ...

Sweet Tooth Dental Infographic

Sweet Tooth Dental Infographic

Posted by Muhammad Yasin on July 27, 2014 in Personal Wellness

Did you know that Christmas is the leading candy sale holiday shortly followed after Halloween? Or that those precious chocolates you got from your loved one on Valentine’s Day will most likely find its way into the trash while all that candy from Halloween will be eaten? Were you aware that one ounce of jelly beans has more than one hundred calories? Make sure to check this sweet tooth dental infographic for more candy facts, and get your worldwide medical insurance with dental coverage to help avoid dental issues from eating too much candy during the holidays.... Read More ...

International Travel Immunizations: An Interactive Guide

International Travel Immunizations: An Interactive Guide

Posted by Kelli Vorndran on July 21, 2014 in Travel

At HCC Medical Insurance Services, a big part of what we do involves helping international travelers to prepare for their time abroad. One question in particular tends to come up often: What travel immunizations will I need for my trip?... Read More ...

Sugar and Health Facts | Sweet Tooth Infographic Part 2

Sugar and Health Facts | Sweet Tooth Infographic Part 2

Posted by Muhammad Yasin on June 29, 2014 in Personal Wellness

Different types of sweets — candies, cakes and cookies — can trace their origins to places as diverse as Egypt, Russia, China, England and America. Of course, a strong sweet tooth has its health consequences … including the potential for periodontal disease and cavities. A combination of proper dental hygiene, a good dentist, and perhaps some international health insurance with optional dental coverage can help expats ward off the damage, no matter where in the world they go for sugary treats.... Read More ...

How Your Diet Can Kill Your Backpacking Trip

How Your Diet Can Kill Your Backpacking Trip

Posted by Kelli Vorndran on May 9, 2014 in Travel

You’re preparing for the trip of a lifetime – backpacking in a third-world country for several weeks. As you plan the logistics of your adventure travel, your friends keep suggesting that you should get travel medical insurance.... Read More ...

Keys to Traveling Abroad with Atlas Travel Insurance

Keys to Traveling Abroad with Atlas Travel Insurance

Posted by Muhammad Yasin on March 28, 2014 in Travel

One great opportunity in life is to be able to travel. It gives you a chance to explore distant countries and learn about their histories and cultures. Before you hop on that next plane, consider these Atlas Travel® Insurance keys to traveling abroad:... Read More ...

Mission Trip: Preparing for your Church Group Mission Trip

Mission Trip: Preparing for your Church Group Mission Trip

Posted by Muhammad Yasin on March 28, 2014 in Travel

Whether you are embarking on your first mission trip or fourth, your trip may only be as successful as the amount of preparatory work you put into planning and organizing. We recently spoke with a former youth pastor and veteran of many international mission trips. He shared these tips on preparing for a group mission trip:... Read More ...

Travel Overseas Checklist: 7 Tips for Safe Travel Overseas

Travel Overseas Checklist: 7 Tips for Safe Travel Overseas

Posted by Muhammad Yasin on March 28, 2014 in Travel

Traveling overseas can be exciting and fun. It also can be filled with problems. As you plan your trip, make sure you are aware of potential problems and add these recommendations to your travel overseas checklist:... Read More ...

Traveling Abroad? Need Help Finding an Agent?

Traveling Abroad? Need Help Finding an Agent?

Posted by Muhammad Yasin on March 28, 2014 in Travel

Most international health insurance agencies offer services that allow you to get a quote and buy health insurance directly online. HCC Medical Insurance Services (HCCMIS) specializes in international health insurance and was a pioneer in providing these online services to people in need of health insurance while traveling abroad.... Read More ...

Changes in Healthcare in 2013

Changes in Healthcare in 2013

Posted by Kelli Vorndran on March 27, 2014 in Insurance

The healthcare and health insurance industries have experienced many changes since the passing of the Affordable Care Act in 2010, with more changes to come. The Act will implement more changes to healthcare over a predetermined timeline, and insurance companies and citizens alike will be able to follow this timeline to anticipate changes and react... Read More ...

How to Effectively Use Online Job Searches

How to Effectively Use Online Job Searches

Posted by Muhammad Yasin on March 27, 2014 in Life Transitions

Employment sites can be fantastic research tools for online job searches. They can help you see what companies are hiring and what qualifications those companies are looking for. After that, you can focus on those businesses, check out their websites, and find out who’s in the department you’d like to work in... Read More ...

Sugar and Health Facts | Sweet Tooth Infographic Part 1

Sugar and Health Facts | Sweet Tooth Infographic Part 1

Posted by Muhammad Yasin on March 27, 2014 in Personal Wellness

Different types of sweets — candies, cakes and cookies — can trace their origins to places as diverse as Egypt, Russia, China, England and America. Of course, a strong sweet tooth has its health consequences … including the potential for periodontal disease and cavities. A combination of proper dental hygiene, a good dentist, and perhaps some international health insurance with optional dental coverage can help expats ward off the damage, no matter where in the world they go for sugary treats.... Read More ...

3 Part Checklist for Backpacking Abroad

3 Part Checklist for Backpacking Abroad

Posted by Derrick Braziel on March 27, 2014 in Travel

You are finally going on the backpacking adventure you’ve dreamed about for years. But before you stuff everything into your pack and rush off to the airport, there are a few things you need to take care of. About two or three weeks before you leave, go through this checklist for backpacking abroad, and make... Read More ...

Sochi Travel Cheat Sheet

Sochi Travel Cheat Sheet

Posted by Kelli Vorndran on March 27, 2014 in Travel

The Olympics in Sochi, Russia, provide a great opportunity to see one of the most interesting and fun cities in Russia. While you’re there, not only will you be able to enjoy the Olympic Games, but you will also have the opportunity to enjoy many experiences unique to Sochi. There’s still time to make last-minute... Read More ...

Types of Missionary Trips

Types of Missionary Trips

Posted by Shelby Walton on March 27, 2014 in Travel

Missionary trips can take you almost anywhere in the world. Before you decide where you want to go for your big service experience, you should consider the kind of work you want to do. Different locations offer different types of experiences. Take a look at these types of missionary trips and find one that is ... Read More ...

Where to Go for Medical Mission Trips

Where to Go for Medical Mission Trips

Posted by Kelli Vorndran on March 27, 2014 in Travel

Planning medical mission trips is no small task, and first you’ll have to decide on your destination. There are many options, and narrowing them down can be difficult. Think about which parts of the world you’d like to visit, and the kinds of stressors you can handle. Long work days, unfamiliar living conditions, language barriers,... Read More ...

Three Reasons Why You Should Buy Travel Medical Insurance

Three Reasons Why You Should Buy Travel Medical Insurance

Posted by Jarred Juett on March 26, 2014 in Insurance

So, you’ve decided to travel abroad. The only problem is you have no idea where you want to go. There are so many places you have wanted to visit, things you wanted to see, cultures you have wanted to experience and people you have wanted to meet.... Read More ...

International Travel Accidents Infographic

International Travel Accidents Infographic

Posted by Muhammad Yasin on August 15, 2012 in Travel

If you’re planning an international trip, be aware of various potential hazards that exist in some of the top destinations around the world. Whether it’s a case of food poisoning, sports adventure accidents, or any other accident or medical-related emergency, it’s better to be cautious.... Read More ...