Insurance Blog Posts

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 ...

What Questions Should I Ask When Buying Study Abroad Insurance?

What Questions Should I Ask When Buying Study Abroad Insurance?

Posted by Emmet Pierce on July 15, 2016 in Study Abroad

If you plan to study outside your home country, you'll need to purchase an international student health insurance plan to make sure you have access to quality medical care while abroad. Your goal should be to find insurance coverage that gives you access to excellent healthcare at a price that matches your budget. Here are 10 questions to ask before you begin shopping:... 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 ...

How to Survive a Broken Bone in a Foreign Country

How to Survive a Broken Bone in a Foreign Country

Posted by Bekah Wright on June 13, 2016 in Travel

Me again. Funny how incidents, er, questions for you keep popping up. Which brings me to a recent trip to Thailand… I'd been dreaming about this visit for many years. The primary goal: to hang out at an elephant sanctuary. Said sanctuary wasn't the first stop on the itinerary. The initial destination was Bangkok, with one day devoted to touring the city.... Read More ...

How a College Student Should Prepare to Manage Finances as a Working Adult

How a College Student Should Prepare to Manage Finances as a Working Adult

Posted by Eric Rosenberg on May 25, 2016 in Life Transitions

Graduating from college is an incredible accomplishment and a significant life event. As your academic years will soon be behind you, it is important to get your finances in order so you can start on the path to personal financial success. If you are one of the growing number of students graduating with student debt, getting on track to pay off your loans is a vital first step after graduation. Most student loans give you six months before payments are due, but the sooner you start making these payments, the sooner your hard-earned money will start adding up in your savings account.... 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 ...

How to Plan the Ultimate Buddy Trip

How to Plan the Ultimate Buddy Trip

Posted by Brianna Weidman on May 23, 2016 in Travel

So you’ve decided to embrace one of the most time-honored traditions in golf—the buddy trip. Whether your trip is an annual event or a once-in-a-lifetime experience, the time you’ll spend with friends is invaluable, and the memories you’ll make will last a lifetime. But where should you go, and who should you invite? Planning a buddy trip presents a series of unique challenges that set it apart from a solo excursion or family vacation; you and your friends have different obligations, separate finances, and conflicting schedules. To aid in the planning process, we’ve laid out the most important aspects of buddy-trip planning: the group, dates, and destination.... Read More ...

How to Start a New Job in a New City

How to Start a New Job in a New City

Posted by Eric Rosenberg on May 18, 2016 in Life Transitions

Moving to a new city is an exciting (and sometimes intimidating) experience. Not only are you starting a new job, but you are uprooting your life and moving to a new home in an often unfamiliar area. You can avoid being overwhelmed by planning out each step of the way and putting together a strategy for what to do when you land in your new hometown. ... 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 ...

How to Get a USA Green Card

How to Get a USA Green Card

Posted by Eric Rosenberg on April 20, 2016 in Life Transitions

People around the world look at the United States of America as a land of opportunity, but moving to the United States can be a major challenge. The culmination of efforts to move to the United States permanently comes in the form of a Green Card, or Permanent Resident Card. If you are looking to become a permanent resident, here are the steps you need to take.... Read More ...

What is Terrorism Coverage?

What is Terrorism Coverage?

Posted by Eric Rosenberg on April 19, 2016 in Insurance

In the world we live in today, bad things happen, including terrorist attacks in wonderful cities like Paris and Brussels. Sad incidents like these shouldn't discourage families from their summer travel plans, but it is important to be insured for the possible travel costs that can arise from an act of terrorism.... 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 ...

Pros and Cons of Staying on Your Parents' Insurance

Pros and Cons of Staying on Your Parents' Insurance

Posted by Robert DiGiacomo on April 6, 2016 in Life Transitions

The Affordable Care Act allows young adults to remain covered by their parents' insurance plan until they turn 26, regardless of whether they get married, attend school, have a full-time job, or still live at-home. According to the United States Department of Labor, this applies to both employer-sponsored plans and all plans in the individual market. For some, staying covered by their parents' plan will make the most sense financially. For others, it may be preferable to get your own insurance, through the government-sponsored Marketplace, your employer, or directly from an insurer.... 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 ...

What Countries Require Health Insurance for Travel Visas?

What Countries Require Health Insurance for Travel Visas?

Posted by Eric Rosenberg on April 4, 2016 in Travel

International travel is an exciting, educational experience. With an American passport, it is possible to visit many countries around the world without any pre-approved travel visa. However, some countries have added a new requirement stating that tourists and other visitors must have travel medical insurance for the duration of their stay. Here's what you need to know before you hit the road.... 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 ...

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 ...

How Long Can You Go Without Health Insurance Without Paying the ACA Penalty?

How Long Can You Go Without Health Insurance Without Paying the ACA Penalty?

Posted by Cheryl Alkon on March 15, 2016 in Insurance

Think buying health insurance is expensive? It can cost you a lot more to go without. According to Healthcare.gov, if you can afford health insurance, but choose not to buy it, you'll be required to pay a fee for each month you, your spouse, or your tax dependents don't have health insurance that qualifies as minimum essential coverage. This fee—also known as the individual shared responsibility payment, fine, or Affordable Care Act (ACA) penalty—will be collected when you file your federal tax return for the year you don't have coverage.... Read More ...

How to Navigate Transportation in the U.S.

How to Navigate Transportation in the U.S.

Posted by Eric Rosenberg on March 14, 2016 in Travel

Getting around in the United States is quite a bit different than in many other countries around the world. While large cities across Europe and Asia have expansive public transportation systems, these systems are fairly rare in the United States. If you are planning a trip to the United States, check out the following tips for easily navigating American cities.... 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 ...

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 ...

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 ...

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 ...

3 Best Short-Term Insurance Providers

3 Best Short-Term Insurance Providers

Posted by Abigail Pratt on February 16, 2016 in Insurance

When you decide to buy a short-term medical insurance policy, it's important to find a reliable carrier that can provide coverage that meets your personal needs. The purpose of short-term medical insurance is to get you through gaps in coverage that may occur due to certain life circumstances, such as retirement or the loss of a full-time job. If you find yourself temporarily without insurance or waiting for your ACA-compliant coverage to take effect, a short-term policy may be the right solution for you.... Read More ...

6 Best Travel Medical Insurance Providers

6 Best Travel Medical Insurance Providers

Posted by Robert DiGiacomo on February 9, 2016 in Insurance

Whether you're planning a relaxing beach getaway, foodie-themed city escape, or a safari adventure, you always run the risk of your international trip being cancelled or interrupted by illness. Travel medical insurance provides peace of mind by (typically) covering overseas medical treatments, hospitalizations and medical evacuations, as well as trip reimbursements if you have to go home early. Most policies also offer 24-hour assistance, coverage for terrorism incidents, and reimbursements for lost or stolen luggage.... Read More ...

U.S. Department of State: Travel Warnings, Health Coverage Advice

U.S. Department of State: Travel Warnings, Health Coverage Advice

Posted by Andrea Emerson on February 8, 2016 in Travel

Lost luggage. Running out of medication. A bad case of traveler's tummy. What overseas traveler hasn't considered these mishaps when packing for their journey? While prepping for possible misadventures, it's also smart to stay on top of the risks specific to the country you're visiting, and to know how to get help if things go haywire. Luckily for you, that's information you can access with a tap or two on your mobile device, courtesy of the U.S. Department of State. Below, we break down quick, resource-rich links you'll want to note or bookmark for your trip.... Read More ...

The Disadvantages of Study Abroad

The Disadvantages of Study Abroad

Posted by Brianna Weidman on February 5, 2016 in Study Abroad

Planning for your study abroad experience can be equal parts exciting and overwhelming, and every decision you make should involve an assessment of both the positives and the negatives. While it’s only natural to imagine the glamorous aspects of your trip abroad, these expectations can cloud your judgment of the reality that awaits you. Studying abroad is a worthwhile and often life-changing experience, but be sure to check out these 5 disadvantages of study abroad- before you start planning.... 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 ...

Travel Insurance Five Types and Why You Need Each

Travel Insurance Five Types and Why You Need Each

Posted by Lauren McNitt on January 26, 2016 in Insurance

There are various types of travel insurance, so how do you know which policies are right for your trip? Below are five common types of travel insurance that can help you protect yourself when you travel.... Read More ...

Retirement Planning: Advantages and Disadvantages of Early Retirement

Retirement Planning: Advantages and Disadvantages of Early Retirement

Posted by Ashley Norman on January 20, 2016 in Life Transitions

Early retirement is often an opportunity to restore order to a proper life balance by spending more time with family and working on your favorite hobbies. But with these joyous prospects comes an income reduction, regardless of whether you take Social Security or an early pension. Different employers have different plans, but it pays to be aware of both the advantages and disadvantages of taking an early retirement.... 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 ...

Does Your Health Insurance Cover You on Vacation?

Does Your Health Insurance Cover You on Vacation?

Posted by Robert DiGiacomo on January 18, 2016 in Travel

For many travelers, having an accident or getting sick during an overseas trip can result in a rude awakening: Your treatment may not be covered by your U.S.-based health insurance, or it could trigger a high deductible for the use of out-of-network facilities. What’s more, if you break a leg in a remote area and require immediate surgery or risk losing the limb, costs to evacuate you to the nearest hospital for treatment could run as high as $100,000.... 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 ...

Top 7 International Festivals for 2016

Top 7 International Festivals for 2016

Posted by Eric Rosenberg on January 4, 2016 in Travel

Music, lights, sounds, and a pulsing sea of people draw millions to festivals and dance events around the world each year. If you want to make 2016 a year to remember, fit one of these seven amazing festival experiences into your schedule.... 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 ...

Health Insurance Options for New Hires in the Waiting Period

Health Insurance Options for New Hires in the Waiting Period

Posted by Kelli Vorndran on December 2, 2015 in Insurance

You’ve just landed a new job and you’re excited about proving your worth to your new employer. Despite your excitement in accepting the job, you’re concerned about your insurance benefits not starting right away. Should you play it safe and find some other coverage or take the ... Read More ...

ACA Open Enrollment Deadline: What Are Your Insurance Options?

ACA Open Enrollment Deadline: What Are Your Insurance Options?

Posted by Kelli Vorndran on December 1, 2015 in Insurance

The 2016 cut-off for open enrollment under the Affordable Care Act (ACA) will be on Jan. 31, 2016. With the deadline confirmed, here are the choices available to Americans not covered by a plan through their employer:... Read More ...

ACA Deadline Cheat Sheet

ACA Deadline Cheat Sheet

Posted by Brianna Weidman on November 30, 2015 in Insurance

The current healthcare marketplace can be confusing. Understanding your options, especially as they relate to the Affordable Care Act (ACA), requires some study. If you are planning to purchase a 2016 health insurance plan during the Open Enrollment Period, you need to be aware of certain dates.... 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 ...

11 Things You Should Know About Cobra Health Insurance

11 Things You Should Know About Cobra Health Insurance

Posted by John Egan on November 23, 2015 in Insurance

What you don't know about COBRA could come back to bite you. If you've lost or left a job and have employer-sponsored health insurance, you'll likely be offered something called COBRA.... Read More ...

Thousands Left Without Insurance as Nevada Health Co-Op Shuts Down

Thousands Left Without Insurance as Nevada Health Co-Op Shuts Down

Posted by Brianna Weidman on August 28, 2015 in Insurance

Thousands of Nevadans will be left without insurance coverage come January 1, 2016, when the Nevada Health Co-Op (NHC) closes its doors. If you are a member of the NHC, you have several options for continued health coverage.... Read More ...

The One Thing Every International Golfer Needs

The One Thing Every International Golfer Needs

Posted by Kelli Vorndran on August 4, 2015 in Insurance

Did you know that most insurance coverage does not extend to foreign countries? Your golf vacation is not the time to worry about how medical expenses work in a foreign country. You can alleviate your concerns with Atlas Golf.... Read More ...

Common Travel Myths Exposed!

Common Travel Myths Exposed!

Posted by Kelli Vorndran on June 30, 2015 in Travel

Many reasons keep people from traveling internationally, and almost all involve a fear of the unknown. You might fear catching a disease, or language barriers, or the possibility of getting pickpocketed or kidnapped. With proper research and solid preparation, you can set aside your fears and feel comfortable about packing your bags and leaving your home countries for an international experience you won't soon forget!... 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 ...

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 ...

Insurance for Extreme Sports

Insurance for Extreme Sports

Posted by Jarred Juett on May 5, 2015 in Insurance

You love the adrenaline rush of competitive exercise, but simple sports like basketball or tennis are not enough to satisfy you. You long for the next big thrill, whether it comes from mountain biking, dune sliding, or running with the bulls. Luckily, HCCMIS Atlas Travel® now includes insurance for extreme sports.... Read More ...

International Medical Insurance for Students Studying at American Universities

International Medical Insurance for Students Studying at American Universities

Posted by Kelli Vorndran on May 5, 2015 in Insurance

Traveling to the United States to study at an American university can be a once-in-a-lifetime experience that gives you more of a global outlook and helps you identify what you’re passionate about in life. From visiting Mt. Rushmore to standing in the middle of Times Square, international students studying in the U.S. have... Read More ...

How to Determine Your Travel Insurance Deductible

How to Determine Your Travel Insurance Deductible

Posted by Kelli Vorndran on April 28, 2015 in Insurance

You’ve been looking forward to your trip abroad for months and now you’re finalizing the logistical details – everything from where you’re going to stay to what types of transportation you’re going to use. As your departure date nears, you’ve been thinking about buying travel medical insurance for your trip. Perhaps you’ve heard stories about... Read More ...

HCC Medical Insurance Services Visits Gleaners Food Bank

HCC Medical Insurance Services Visits Gleaners Food Bank

Posted by Jarred Juett on April 27, 2015 in Insurance

Every year, local employees at HCC Medical Insurance Services are given a choice. In lieu of funds for the annual holiday party, employees select a charity to support. In 2011, that charity was Gleaners Food Bank of Indiana.... Read More ...

Cancelled Insurance Survival Checklist

Cancelled Insurance Survival Checklist

Posted by Kelli Vorndran on February 20, 2015 in Insurance

You might be getting some unexpected—and possibly unwelcome—news about your health insurance if you have a policy that doesn’t meet the standards of the Affordable Care Act (ACA). And if you’re getting that news, you’re not alone.... Read More ...

Improvements to Atlas TravelĀ® Series

Improvements to Atlas TravelĀ® Series

Posted by Jarred Juett on February 5, 2015 in Insurance

At HCCMIS, we work hard to bring you products that will match your needs. With that in mind, we recently announced some improvements for our Atlas Travel Series. You can find an overview of the improvements in the video above.... Read More ...

A Review of HCCMIS from T.E.S.S.

A Review of HCCMIS from T.E.S.S.

Posted by Jarred Juett on January 20, 2015 in Study Abroad

From T.E.S.S.’s Ron Reisler: T.E.S.S. – THE EXCHANGE STUDENTS SERVICE (www.tessusa.com) is an agency headquartered in Massachusetts that brings international students to the U.S. to study in a variety of programs.... 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 ...

When Short Term Medical Insurance Might Be Your Best Choice

When Short Term Medical Insurance Might Be Your Best Choice

Posted by Kelli Vorndran on January 9, 2015 in Insurance

Many consumers aren’t aware of the benefits of short term medical (STM) insurance. While they may have heard of STM, they could be under the impression that it’s a last-ditch option when securing another form of health insurance has come up empty.... Read More ...

5 Things Your Travel Insurance Company Won't Tell You

5 Things Your Travel Insurance Company Won't Tell You

Posted by Kelli Vorndran on January 8, 2015 in Insurance

Purchasing travel medical insurance is an important step when planning an international excursion. Most policies come with a standard menu of coverage, which includes accident and injury protection and emergency medical evacuation. But some policies provide additional benefits you may not be aware of – and they could be the difference in your out-of-pocket expenses... 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 ...

5 Lesser-Known Perks of Travel Medical Insurance

5 Lesser-Known Perks of Travel Medical Insurance

Posted by Kelli Vorndran on January 8, 2015 in Travel

The standard benefits and expectations of purchasing travel medical insurance are fairly easy to presume. Many policies come with coverage for accidents or hospitalizations that occur during international trips, a level of coverage for pre-existing conditions, and... 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 ...

Beginner Backpacking Trips

Beginner Backpacking Trips

Posted by Abigail Pratt on November 6, 2014 in Travel

You are no doubt getting excited about your first backpacking trip, or you are at the very least daydreaming about taking a backpacking trip. Either way, it is important to know about the do’s and don’ts of backpacking and how to get started planning that trip. When you begin planning a beginner backpacking trip or begin to consider taking a backpacking trip, you are undoubtedly going to be excited. However, it is important to remember that there are a lot of things to take into consideration and plenty of things you will need to think about.... 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 ...

Snowbird Travel Destinations

Snowbird Travel Destinations

Posted by Muhammad Yasin on July 29, 2014 in Travel

It can be difficult to stay motivated and upbeat during the dreary months of winter. Escaping the freezing temperatures is just one of the many reasons to visit one of these sunny winter travel destinations. Even if you don’t have immediate plans to travel, let your imagination take you on a journey to some of the sunniest winter vacation spots around the world.... 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 ...

Can I Keep My Old Doctors with STM?

Can I Keep My Old Doctors with STM?

Posted by Kelli Vorndran on May 28, 2014 in Insurance

One of the first questions asked by consumers considering the purchase of short term medical (STM) insurance is whether they can choose their doctors, hospitals, or other medical providers. The short answer is yes!... Read More ...

Final ACA Deadline Moved Back to April 15

Final ACA Deadline Moved Back to April 15

Posted by Kelli Vorndran on April 14, 2014 in Insurance

The Obama administration has granted a brief reprieve for those who started to enroll in the Health Insurance Marketplace prior to the March 31 open enrollment deadline. If you tried to enroll prior to March 31 but didn’t finish your application in time, you can still get coverage for 2014 if you complete your enrollment by April 15... Read More ...

5 Places to Turn When Job Searching

5 Places to Turn When Job Searching

Posted by Kelli Vorndran on April 10, 2014 in Life Transitions

Unemployment can be demoralizing. It’s sometimes hard to make the effort to look for a new job. You feel like Sisyphus, pushing the same boulder up the same mountain day after day only to see it roll back down. But the most important part... Read More ...

Can Dependents be Insured Under Medicare?

Can Dependents be Insured Under Medicare?

Posted by Kelli Vorndran on April 9, 2014 in Insurance

As time passes and more people wait to marry and to have children, there’s an obvious effect –more people are caring for children later in their lives. If you wait until age 35 to have your first child, you’ll be in your late fifties when he or she graduates from college.... Read More ...

Top 5 Questions to Ask Your Travel Insurance Rep

Top 5 Questions to Ask Your Travel Insurance Rep

Posted by Kelli Vorndran on April 9, 2014 in Insurance

Many international travelers don’t realize how much travel insurance can vary in terms of coverage, billing and customer service. When you’re traveling abroad and there’s an emergency, the last thing you want is to experience frustrations about unexpected out-of-pocket costs or uncertainty about whether you’ll need approval to seek medical treatment.   It’s far better... Read More ...

What to Look for in Your Travel Insurance Policy

What to Look for in Your Travel Insurance Policy

Posted by Kelli Vorndran on April 9, 2014 in Insurance

Few things are more exciting than taking that long-awaited trip to an international destination. You spend weeks – even months – planning your itinerary and thinking through logistics like how much local currency you’ll need. Despite all the planning involved, many travelers leave home without something quite important: insurance. In fact, only one in three... Read More ...

5 Major Decisions for New Immigrants to the United States

5 Major Decisions for New Immigrants to the United States

Posted by Kelli Vorndran on April 9, 2014 in Life Transitions

Whether you’re transferring here for work or taking an extended stay with your family, coming to live in the United States can be a thrilling experience as you find your place in a new land filled with promise and possibilities. But once your “honeymoon period” ends you might become frustrated with the complexities of living abroad in a country that’s much different from your homeland. There will be all kinds of important decisions to make... Read More ...

When Using a Travel Agent is Better Than Planning Your Own Trip

When Using a Travel Agent is Better Than Planning Your Own Trip

Posted by Kelli Vorndran on April 9, 2014 in Travel

Travel agents once held the keys to the vacation kingdom. But the rise of the internet and the subsequent prevalence of online travel sites has led many to forsake using travel agents altogether. Despite the DIY turn of vacation planning, there are still several occasions when using a travel agent makes sense. Uncertainty: It’s one... Read More ...

HCC Medical Insurance Services Gives Back to Its Agents

HCC Medical Insurance Services Gives Back to Its Agents

Posted by Muhammad Yasin on March 28, 2014 in Insurance

We’ve all been there. It’s a quarter after five on Friday, and your son’s baseball game starts in 20 minutes. You’re trying to finish up one last comparison for a client who leaves on a business trip to China next week. You’re trying to ensure that you choose the best plan for your client, but the company websites you depend on for plan information and quoting seem like labyrinths hiding the information you’re searching for... Read More ...

Meet Latoiya, Customer Service Specialist

Meet Latoiya, Customer Service Specialist

Posted by Muhammad Yasin on March 28, 2014 in Insurance

Meet Latoiya, one of our dedicated Customer Service Specialists. HCC Medical Insurance Services offers personal service via phone 24/7 in addition to email, live chat and Twitter during normal business hours. For a full listing of the travel assistance services provided by our service center, visit the customer care page.... Read More ...

Japan Earthquake: 20% Discount for Relief Workers

Japan Earthquake: 20% Discount for Relief Workers

Posted by Muhammad Yasin on March 28, 2014 in Insurance

The catastrophic earthquake and tsunami that recently struck Japan have deeply impacted the staff of HCC Medical Insurance Services (HCCMIS). As individuals from around the world flock to the impacted areas to provide assistance, HCCMIS would like to do its part to support their courageous mission. In a partnership with InsureMyTrip.com, we are offering a 20% discount on our Atlas International insurance product for travelers going to Japan for relief efforts or family reasons.... Read More ...

MultiNational Underwriters to be Named HCC Medical Insurance Services

MultiNational Underwriters to be Named HCC Medical Insurance Services

Posted by Muhammad Yasin on March 28, 2014 in Insurance

Effective July 1, 2009, MultiNational Underwriters will be operating under the name of HCC Medical Insurance Services (HCCMIS for short). This new name further assimilates the company with its parent company, HCC Insurance Holdings, Inc, which is rated A+ by A.M. Best and has assets of over $8 billion.... 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 ...

Sick Abroad Without Travel Insurance Video

Sick Abroad Without Travel Insurance Video

Posted by Muhammad Yasin on March 28, 2014 in Travel

Sharlene Boodram, Caribbean recording artist, recently met with us to share her story of being sick abroad without travel medical insurance. Have you had a similar experience? Share your story in the comments section below.... Read More ...

Top HCCMIS Blogs for August 2011

Top HCCMIS Blogs for August 2011

Posted by Muhammad Yasin on March 28, 2014 in Travel

Customer Story: Aswan – Tranquil Temples, “No Hassle” Markets Aswan feels like Africa in a way Cairo does not. The people are darker skinned, the dusty streets are full of buildings painted blue and gold, bony dogs,... 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 ...

How To Retire Early

How To Retire Early

Posted by Ryan Love on March 27, 2014 in Life Transitions

It is no secret that most of us fantasize about retiring early in order to explore the world or immerse ourselves in hobbies that we have never had time for in the past. However, before you can actually retire, you have to properly prepare for it. There are certain steps you can take in order... Read More ...

10 Tips for Experiencing the Culture While Studying Abroad

10 Tips for Experiencing the Culture While Studying Abroad

Posted by Muhammad Yasin on March 27, 2014 in Study Abroad

Studying abroad is not always easy. Language barriers can leave foreign students feeling isolated on occasions, and home sickness is common among young travelers. Studying abroad can be made easier and more enjoyable if students do not think of themselves as visitors, but instead immerse themselves in a region’s culture. Provided below are 10 tips for experiencing the culture while studying abroad.... 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 ...