Visitor's Health Insurance: Upcoming Tour? Why Worry?

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Maria Peres, 52, was awaiting the day she would get to see her son Peter, after five long years. Peter had migrated to the States right after finishing college in India, and hadn't visited home since. Maria had been planning her trip for days, and had a detailed itinerary that would take her mind off the bank job that she had been at for the last 30 years.
As was her nature, Maria was prepared with everything, including buying the most viable visitor's health insurance policy. She had picked a Visitor health insurance plan that would cover her for any medical emergency, saving herself and her son from paying exorbitant healthcare bills.
Foreign citizens visiting to the US can use this plan to cover medical costs for unexpected illness or injury while in the US. Usually, the plan pays for emergency hospitalization, doctor office visits, prescription drugs, and surgery. In addition, it covers emergency medical evacuation expenses so the injured or ill traveler can be shifted to the nearest hospital.
As is the case with many other policies, this policy does not expect that you seek treatment in a preferred network of doctors and hospitals, although such a list of healthcare providers can be made available to you. As a policy holder, you can receive treatment from any doctor or hospital that you like and the plan will still work for you.
Policy buyers visiting the US for business, tourism, study, or immigration can pick from several coverage ranges available - limited or comprehensive. There is a benefit limit attached to every service that a limited-coverage plan offers.
In case of limited coverage plans, the benefit limit is generally less than the policy sum assured. Moreover, as per this plan, the policy holder must necessarily pay the initial deductible amounts for each injury or illness, after which the benefits kick in. You can expand limited-coverage plans by buying additional optional riders. To illustrate, one plan offers a $5,000 benefit toward the treatment of heart attack or stroke on payment of a 26 percent surcharge on the premium.
To get service benefits amounting to the policy maximum, it is advisable to buy comprehensive-coverage plans. With such plans, the insured person can claim benefits per life of the plan. Further, these plans require no initial deductibles to be paid by the insured persons, who can, additionally, avail of PPO discounts. Such plans also offer bigger covers, ranging from $50,000 to $8,000,000.
The other common features of comprehensive visitor health insurance plans are accidental death and dismemberment benefits, repatriation, pregnancy complications and sudden recurrence of pre-existing conditions. These plans also insure against trip interruption and missing checked-in baggage. As you now know, Visitor health insurance plans take care of everything, including health.
Adele Pitt frequently writes about travel and travel insurance.


Article Source: http://EzineArticles.com/6909131

Consider Traveler's Insurance for Your Next Vacation


Going on a vacation is something that the entire family looks to the whole year. Kids are stressed out from school and are ready for a break, and parents are equally weary from long hours of working and doing projects and cleaning around the home. Many people save for a year to go on an ideal family vacation. Fun and popular family vacations include European tours, tropical locations, South and Central America, mountain lodges and dude ranches, and touring exciting large cities to shop, dine, and go to the theatre.
No matter where a person chooses to go on a vacation, traveler's insurance is something that should be considered in order to keep the family and the items the family are traveling with protected. Travelers insurance can be purchased a few different ways to give you the maximum number of choices to find flexible rates and insurance protection that will meet the needs of your family as you go on vacation. Because all traveling insurance policies are different, you will have some selections so you can choose an insurance policy to cover you and your family for your specific vacation needs.
Traveler insurance can offer car rental insurance, roadside assistance, and luggage reimbursement, medical assistance, lost passport and identification assistance, and emergency funds if an accident occurs. In addition to these things, traveling insurance can also help with car break downs, airline delays, over bookings on hotels, and more. Because one vacation may not require each of the things mentioned here, it is wise to review your traveling insurance options and to ask your travel agent or insurance agent to help you select a traveling plan that can be tailored to fit your family's vacation.
If you and your family are driving across the country on an RV trip, you may not need lost luggage or passport protection. However, a trip like this will benefit from you having roadside assistance, rental car insurance and emergency services. If you are flying overseas for your vacation and plan on using airlines and shuttle buses as your primary form of transportation, it is a good possibility that you would want to make sure you have a traveling insurance program that offers lost luggage protection, flight delays, and hotel accommodations if you become stuck at an airport for a significant amount of time due to bad weather. Emergency and medical coverage will also be helpful during a vacation such as this.
No one wants to think about needing traveling insurance, but if you are going to spend a significant amount of money on a family vacation, it is wise to make sure that you have all your bases covered before you go on vacation. Knowing that you have traveler's insurance will give you confidence and a peace of mind that will allow you to relax and fully enjoy your vacation with your family and loved ones. If an emergency or lost luggage or identification should happen, you will be fully prepared for it.


Article Source: http://EzineArticles.com/6915539

Why Is It Important To Have Group Travel Insurance

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Group travel insurance is essential for any group who are travelling internationally and domestically. A growing number of travelling is being completed in the group format, whether for a specific interest group, corporate event, school or sporting tour. These adventures represent a lot of coordination and investment, both in time and money, to organise and complete. The trip envisaged is meant to represent the experience of a lifetime. But what happen if someone is ill, has his or her luggage or passport stolen, or is involved in an accident while on trip? This is where group travel insurance comes to the rescue, providing immediate assistance and advice in your time of need, as well as covering the costs incurred with the incident or accident.
There are many reasons and key benefits of group travel insurance, including being covered for unexpected illnesses or injuries that may occur while the group is travelling. Dependent on the country being visited, the level of public care may be questionable and private care is the only real option. Without adequate cover for the group, those who have suffered the incident may not get the correct medical care required. Furthermore, in some countries, even the public health care system is based on user pay, with those without adequate group travel insurance or the money to pay for the care itself, not being eligible for any medical procedure.
Travel interruptions are a necessary evil of modern day travel, where tight deadlines, along with international weather and possible political situations, may adjust the original timetable of the holiday. As group travel is usually for a specific purpose, the timelines are strict for departure, arrival and the itinerary when in the host destination. However, group travel insurance has the ability to provide for travel interruptions, whether this is occurs during the set itinerary or an emergency at home requires all or part of the group to return home.
When younger groups are travelling, many will want to participate in a range of adventure activities. While exhilarating, sky diving, bungy jumping and hiking can be inherently risky. Most group travel insurance policies will have the ability to add these activity types to the total cover of the group travel insurance.
With all the monetary and time investment required to organise and implement a travel experience for your group, don't risk the outcome of the experience by not being adequately covered.
PIC Medical, Health & Life Insurance Brokers (PIC Medical & Health) is a highly successful boutique style broking house, based in New Zealand, specialising in the complex area of in-bound and out-bound Medical Insurance and Employee benefits for both domestic and international clients.
Get in contact with a reputable insurance specialist who can talk you through the various group travel insurance options available.
Article Source: http://EzineArticles.com/6841220

Learn the Different Tasks and Duties of a Medical Biller and Coder

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The medical billing/coding career is one of the well-paid jobs in the medical sector. Medical billing and medical coding are two different careers. The former is responsible for processing insurance claims. The latter, on the other hand, deals with coding insurance claims. Essentially, these two professions tackle a lot of paperwork about insurance claims, medical data formatting, and so on. The assignment of the latter comes first then the former's job.
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What Is the Work Environment When Working As Medical Biller and Coder?

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The number of hours a medical biller and coder works is 40 hours per week. However, overtime may be needed to finish certain assignments. Depending on the health facilities you work with, you can work in the day, evening and night shifts. To become a medical biller and/or coder, you will need to have an associate's degree or bachelor's degree. You can have better opportunities if you have passed a certification exam, such as Registered Health Information Technicians (RHIT) certificate. As regards to the nature of work for this profession, you will be spending all your day assigning codes, entering information into a database, and filling insurance claims, among others.
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Canine Liability Insurance - It Could Save You From Financial Ruin

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As a dog owner, we love our dogs, we spoil them, we buy them treats, we adore them and they're just as much a part of the family as anyone else, but are you prepared to risk your financial future on your dog?
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The Value Of Pet Insurance

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Pet insurance may not be a top priority in many household budgets these days. However, the cost of medical care for dogs and cats continues to increase at an alarming rate. Many households consider pets to be family members and when they need medical attention, it is important for them to receive it. Here are some reasons that medical care coverage for pets can be a good economical move.
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