We're
standing by now to assist you with the medical health insurance
quotes you need to fulfill your medical health insurance
needs. Feel free to use our service to compare medical health insurance
pricing from multiple cariers.
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Results from search: http://www.medibroker.com/
International Health and Medical Insurance Expatriate Cover - Medibroker
OVERSEAS INTERNATIONAL
MEDICAL AND HEALTHCARE INSURANCE
WHO ARE WE?
Medibroker International is a fully independent expatriate medical
insurance broker and advisor offering a free quote service globally
across the Internet. Expatriate International Health and Medical Insurance can be a confusing issue for those going abroad or offshore for the first time.
It is vital that expats and people moving overseas are properly advised by a professional
independent advisor when going abroad, concerning the selection of
medical insurance plans, income protection cover, term life or critical
illness cover, personal accident, travel, dental or maternity plans offshore, in countries other than their homeland.
We work on the basis of a choice of plans, Best Advice on both benefits
and premiums as well as area of cover needed. Medibroker consultants never
cold call, handle expat enquiries from all over the World, working across the
Internet responding to your requests. We can also handle insurance healthcare
matters should you return to UK.
Medibroker does not handle client monies, being remunerated via
commissions when placing your application with a major insurer (price the
same as going direct).
Medibroker International recently won the Health Insurance 2001 Awards,
at the London Hilton, for "Best Independent International Private Medical Insurance
(PMI) Intermediary".
MEDIBROKER'S AIM IS TO BE THE CONSULTANT TO THE CLIENT NOT THE SALESMAN
OF THE INSURER.
OUR MISSION AND EXPAT PHILOSOPHY
Our site is developed by expatriates and run by expatriates for expatriates.
With years of experience based overseas in a range of international locations,
we know that advice on expat healthcare matters can be hard to come by. Your
circle of professional and known advisors from back home are not available,
yet you now have access to the Web.
At our international medical site we place product comparisons, premium
comparisons, library information, check lists, articles, other useful links
and a FREE EXPAT HEALTH INSURANCE QUOTE FORM.
Our international expatriate clients need confidence, transparency, good
value and service from an independent source they can rely upon, even when
moving country or location. We illustrate healthcare definitions so that you
know what you are buying. We hold agency agreements as Health Insurance
Brokers with most
of the top international insurers in the healthcare field as well as some
Lloyds Brokers. Our recommendations are to show health insurance products on
an "apples to apples" basis so that you may make an informed
unpressured selection of medical insurer. Medibroker International checks the
service standards of all health insurers we work with, how quickly they deal
with claims and medical emergencies abroad. We cater for the global citizen, irrespective of location or nationality. We can deal with individuals, families, groups or small companies worldwide.
We are now expanding our services and links to offer additional information online. We have developed partnerships with R. Monckton-Milnes & Partners, who can assist with Independent Financial Advice for General Insurance and Financial Services, and Fabien Insurance who is a broker established in the Professional Indemnity (PI) field. Our link pages offer information on relocation, international schools and housing as well as other expatriate sites globally based.
HEALTH / MEDICAL INSURANCE PRODUCTS AND PLANS
We now have terms of business arranged and agencies with many of the major
medical and health insurers in UK, Holland, Canada and also USA. This gives
Medibroker International access of choice to over 200 insurance products when
addressing your needs. We research both the market regularly and insurance
premiums to ensure you get best advice from our medical insurance consultants.
Our present list of International Partner Insurance Providers is:-
Á La Carte Healthcare
Allianz Worldwide Care
BUPA
International
Exeter Friendly International Plan
Expacare
Gouda (Holland) Expatriate Policy
Goodhealth International Health Plan
HealthCare International
IHI Danmark Hospital Plans
International
Medical Group (IMG)
InterGlobal
International Private Health Insurance
International Private Healthcare (IPH)
Medicare International Health Plan
Morgan Price International Healthcare
PPP
Healthcare International
William Russell Group International Healthcare Plan
Our present list of UK Partner Insurance Providers is:-
Assurity Everyday Cover
BUPA
Healthcare UK
Capital Healthcare
Optima
Friends Provident
Health-on-line
Healthcare4Life
Legal and General
Medisure Health
Norwich
Union
PPP
Healthcare
Premier Healthcare
Royal & SunAlliance Healthcare
Secure Health
Standard Life Healthcare Plans
Swiss
Life
Universal Provident Healthcare
WPA Healthcare
WHEN ILLNESS OR ACCIDENT STRIKES ABROAD
As an expatriate on contract, overseas, you often do not have the Headquarters
employee protection rights nor those of your home country, making you
vulnerable to the employment conditions you have signed up to in your new
location. When retiring abroad, you may not have any of the healthcare rights
of the local national population.
Some important medical questions suddenly confront the expatriate
Who will pay the medical bills? Can I go home for treatment or recuperation?
If I am disabled what can I do to replace my income? If critically injured
in an accident what funds would I have to see me through the years ahead?
Does my employer or the State have any obligations to pay me? Expat Health
Insurance plans can give you both peace of mind and security abroad.
MEDIBROKER INTERNATIONAL EXPAT MEDICAL INSURANCE PLANS AND COVER
Private Medical and Health Insurance Global Plans
Budget, Catastrophe Cover and Emergency Plans
Comprehensive and Fully Comprehensive Plans
Income Protection Plans
Personal Accident and Disability Plans
Extended Expatriate Multi-travel
Options for Maternity, Dental and Critical Illness
Plans in dollars sterling or Euros
Monthly Quarterly or Annual Premiums
Critical Illness Plans and Term Life Cover
Single, married, family group or company
cover plans
Medibroker offers free quotes on all above by email post fax etc. etc.
UK RESIDENTS -
please see our UK
Specific Site
Home
| About Medibroker International | Free
Health Insurance Quotation
Healthcare Cover Benefits | FAQs for Expats
| Health Insurance Comparisons
Expat Health Articles | Expatology
| Medical News Stories | ABI
Code
17 Seatonville Road, Whitley Bay, Tyne & Wear, NE25 9DA, UK
Tel 0191 297 2411
(Intn'l UK +44 (0)191 297 2411)
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E-mail : medibroker@aol.com
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International Telephone: +44 (0)191 297 2411
Fax: (+44) 191 251 6424
Results from search: http://www.p-m-i.com/
Independent modular private medical insurance for the UK
Private Medical Insurance UK Private Health Insurance
Welcome to the page for
independent advice and quotes for PMI, private medical insurance
/ private health insurance in the UK
Member
of
Model your health insurance cover to your
needs with our unique
On-line quick quote (TM) system.
Then ask our totally independent advisors to give you a personal
quote for private medical insurance which is free with no obligation.
All major insurers are considered. Absolute and full confidentiality.
LTD, PLC, small to large companies, you can
now offer your employees the price advantage of a company scheme.
It won't cost you a penny ! On-line
quick quote for company (TM)
Today is
This
site demystifies UK health insurance or private medical
insurance (PMI).
Putting you in touch with independent and experienced advisors
in this market.
You can significantly reduce payments
by taking an excess (you pay a certain amount per year).
Check it out with our On-line
quick quote (TM)
Private medical insurance or private
health plans (PMI) is not just another insurance. There
are distinctive differences in cover
levels and coverage (I learned
this falling ill on Cyprus).
A big name is not always your
best choice (see
watchdog) . Intermediaries and
independent advisors can help you to find the best suited
health cover. From single, family and groups to company
& corporate cover.
Personal
guide by
MBGJ
(& money saving tips)
If you have a small or large business
you can now extend the advantage of a PMI company scheme. You
give them the advantage (saving 20%+) although they pay and
can even take the plan with them should they leave.
Check our competitive quotes On-line
quick quote (TM)
P-M-I insists that thorough
advice on private medical insurance is given. Intermediaries
have the advantage of not being tied to one insurance company
and can tailor & select individually. We are happy to send
you just a quote, but I would strongly advise that you talk
to one of our advisors for health care, medical and critical
illness insurance. For us it is mandatory to make absolutely
certain that what you expect is what you get.
Insurance literature is sales literature and, therefor, generic
and never covering all the answers you require (specifically
the ones you may not even have thought about).
Health insurance or private medical insurance
is long term, specifically if critical illness cover is included
or it is combined with further term insurance. Life and circumstances
change and a policy need to reflect this and must therefore
be adaptable, but it must fit your personal circumstances, regardless
of the flavour of the month that insurance companies may want
to push.
Critical illness cover ,
cover whilst travelling, company or private, are all issues
to be considered when looking at private medical insurance (PMI).
You may live or work close to a major city hospital which can
often offer comprehensive cover, but what if you move ?
Here is a site where you can request an on-line very
basic quote. Send us your details
for a refinement and we send a quote by e-mail. We than strongly
recommend that you allow us to contact you as there are so many
details to check that such a phone call can save you a substantial
amount of money and aggravation later on (see
also case studies).
Existing conditions can be taken
into account (switch) and the term moratorium may require explanations
as well.
Having your own limited company or working
together with like-minded people you can generate a group scheme
to cover yourself and your family. If you run a small business
and want to give incentives to your staff that won't dent your
P&L, then send us an enquiry and we will advise you first
(see company
page).
Check with our quick
quote for the cost of private
medical health, but remember these are only guideline costs
for private medical insurance. The ultimate cost of the health
insurance or medical plan depends on your personal profile and
requirements. Our advisors will do their utmost to find the
best suited cover for you. Hospital
costs and cost of treatment
force quite a lot of people to sell their homes and therefore
alone is well worth considering.
Remember this is about your health and healthcover and you are
entitled to the best advice of independent health-advisors like
Cannon Healthcare.
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Results from search: http://www.unitedhealthcare.com/
UnitedHealthcare.com - Home
To view information relevant to your area, select a state from the drop-down menu.
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A HIGHER STANDARD OF QUALITY
UnitedHealthcare recognizes our customers have a choice of health plan companies. So, for us, merely meeting expectations isn't good enough-we insist on extreme satisfaction for our consumers in all areas of our business.
We invite you to learn more about UnitedHealthcare. Whether you're looking for health care coverage for your business, are a health care broker, a physician or an employee whose employer offers UnitedHealthcare, you'll find helpful information and resources.
Legal
Copyright 2002 UnitedHealthcare
Results from search: http://travel.state.gov/medical.html
Medical Information for Americans Abroad
Medical Information for Americans Traveling Abroad
U.S. Department of State
Bureau of Consular Affairs
If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in
locating appropriate medical services and informing family or friends. If necessary, a consular
officer can also assist in the transfer of funds from the United States. However, payment of
hospital and other expenses is the responsibility of the traveler.
Before going abroad, learn what medical services your health insurance will cover overseas. If
your health insurance policy provides coverage outside the United States, REMEMBER to carry
both your insurance policy identity card as proof of such insurance and a claim form. Although
many health insurance companies will pay "customary and reasonable" hospital costs abroad, very
few will pay for your medical evacuation back to the United States. Medical evacuation can
easily cost $10,000 and up, depending on your location and medical condition.
THE SOCIAL SECURITY MEDICARE PROGRAM DOES NOT PROVIDE COVERAGE
FOR HOSPITAL OR MEDICAL COSTS OUTSIDE THE U.S.A.
Senior citizens may wish to contact the American Association of Retired Persons for information
about foreign medical care coverage with Medicare supplement plans.
To facilitate identification in case of an accident, complete the information page on the inside of
your passport providing the name, address and telephone number of someone to be contacted in
an emergency.
A traveler going abroad with any preexisting medical problems should carry a letter from the
attending physician, describing the medical condition and any prescription medications, including
the generic name of prescribed drugs. Any medications being carried overseas should be left in
their original containers and be clearly labeled. Travelers should check with the foreign embassy
of the country they are visiting to make sure any required medications are not considered to be
illegal narcotics.
A listing of addresses and telephone numbers of U.S. embassies and consulates
abroad is contained in Key Officers of Foreign Service Posts .
This publication may be obtained through the Superintendent of Documents, U.S.
Government Printing Office, Washington, DC 20402. Also available from the Government
Printing Office is Health
Information for International Travel by the Centers for Disease Control
and Prevention (CDC). This contains a global rundown of disease and immunization
advice and other health guidance, including risks in particular countries. For
additional health information, the CDC maintains the international travelers
hotline at 1-877-FYI-TRIP (1-877-394-8747), an automated faxback service at
1-888-CDC-FAXX (1-888-232-3299) and a home page on the Internet at http://www.cdc.gov .
For detailed information on physicians abroad, the authoritative reference is The Official ABMS Directory of
Board Certified Medical Specialists published for the American Board of Medical Specialists and its certifying
member boards. This publication should be available in your local library. U.S. embassies and
consulates abroad maintain lists of hospitals and physicians. Major credit card companies also can
provide the names of local doctors and hospitals abroad.
Some countries require foreign visitors to have inoculations or medical tests before entering.
Before traveling, check the latest entry requirements with the foreign embassy of the country to
be visited.
Several private organizations will provide medical information and insurance for overseas
travelers. Most charge a fee for this service. The following is provided FOR
INFORMATIONAL PURPOSES ONLY and in no way constitutes an endorsement, expressed
or implied, by the Department of State.
AIR AMBULANCE / MED-EVAC
U.S.-based Companies
ACADIAN AMBULANCE & AIR MED SERVICE, INC.
Lafayette, LA
800-259-3333
ADVANCED AIR AMBULANCE
Miami, FL
800-633-3590 / 305-232-7700
AAA - AIR AMBULANCE AMERICA
Austin, TX
800-222-3564 / 512-479-8000
AIR AMBULANCE CARE FLIGHT INTERNATIONAL,
INC.
Clearwater, FL
800-282-6878 / 1-727-530-7972 (international)
AIR AMBULANCE NETWORK
Sarasota, FL
800-327-1966
AIR AMBULANCE PROFESSIONALS
Fort Lauderdale, FL
800-752-4195 / 954-491-0555
AirEvac
Phoenix, AZ
800-421-6111
AIR MEDIC - AIR AMBULANCE OF AMERICA
Washington, PA
800-245-9987
AIRescue INTERNATIONAL
Van Nuys, CA
800-922-4911 / 818-994-0911
AIR RESPONSE
Orlando, FL
800-631-6565 / 303-858-9967
AIR STAR INTERNATIONAL
Thermal, CA
877-570-0911 / 800-991-2869
e-mail: AirStar1@aol.com
AMERICAN CARE, INC.
San Diego, CA
800-941-2582 / 619-486-8844
AMERICAN JET AIR MEDICAL
Houston, TX
888-I-FLY-AJI / 713-641-9700
CRITICAL AIR MEDICINE
San Diego, CA
800-247-8326 / 619-571-0482
CRITICAL CARE MEDFLIGHT
Lawrenceville, GA
800-426-6557
GLOBAL CARE / MEDPASS
Alpharetta, GA
800-860-1111
INFLIGHT MEDICAL SERVICES INTERNATIONAL INC.
Naples, FL
800-432-4177 / 941-594-0800
INTERNATIONAL SOS ASSISTANCE
Philadelphia, PA
800-523-8930 / 215-244-1500
Also provides travel insurance services.
MED ESCORT INTERNATIONAL INC.
Allentown, PA
800-255-7182 / 610-791-3111
MEDEX ASSISTANCE CORPORATION
Timonium, MD
888-MEDEX-00 / 410-453-6300 (call collect)
(Also provides travel insurance services.)
MEDJET ASSISTANCE
Birmingham, AL
1-800-963-3538
MEDJET INTERNATIONAL, INC.
Birmingham, AL
800-356-2161 / 205-592-4460
MEDWAY AIR AMBULANCE
Lawrenceville, GA
800-233-0655
MERCY MEDICAL AIRLIFT
Manassas, VA
800-296-1217
(Service area: Caribbean and part of Canada only. If necessary, will
meet commercial incoming patients at JFK, Miami and other airports.)
NATIONAL AIR AMBULANCE
Ft. Lauderdale, FL
800-327-3710 / 305-525-5538
SMARTRAVEL
Alexandria, VA
800-730-3170 / 703-379-8645
Provides a range of travel medicine services.
TRAVEL CARE INTERNATIONAL, INC.
Eagle River, WI
800-524-7633 / 715-479-8881
TRAVELERS EMERGENCY NETWORK
Tierra Verde, FL
800-ASK-4-TEN
e-mail: ten@intrex.net
Foreign-based Companies
AEA INTERNATIONAL
Singapore
U.S. Phone: 800-468-5232
Service worldwide, also provides travel insurance services
AUSTRIAN AIR AMBULANCE
Vienna, Austria
43-1-40-144
EURO-FLITE LTD.
Helsinki International Airport
Vantaa, Finland
358-9-870-2544
EUROPASSISTANCE
Johannesburg, South Africa
27-11-315-3999
GERMAN AIR RESCUE (DRF)
Filderstadt, Germany
49-0711-7007-0
e-mail: alarmzentrale@drf.de
MEDIC'AIR
Paris, France
331-41-72-14-14
TYROL AIR AMBULANCE
Innsbruck, Austria
43-512-22422
TRAVEL INSURANCE COMPANIES
ACCESS AMERICA, INC.
Richmond, VA
866-807-3982
AIGAssist
American International Group, Inc.
New York, NY
800-382-6986
ASA, INC.
International Health Insurance
Phoenix, AZ
888-ASA-8288
AXA ASSISTANCE
Bethesda, MD
301-214-8200
CLEMENTS INTERNATIONAL
Washington, DC
800-872-0067 / 202-872-0060
http://www.clements.com
e-mail: info@clements.com
GATEWAY
Seabury & Smith
Washington, DC
800-282-4495 / 202-457-7707
e-mail: gateway.dc@seabury.com
HEALTH CARE GLOBAL
(also known as MEDHELP or WALLACH & COMPANY or HEALTHCARE ABROAD)
Middleburg, VA
800-237-6615 / 540-687-3166
HIGHWAY TO HEALTH
Fairfax, VA
703-322-1515
(Also provides destination-based travel health information for cities worldwide.)
INTERNATIONAL MEDICAL GROUP (IMG)
Indianapolis, IN
800-628-4664 / 317-655-4500
MultiNational Underwriters, Inc.
Indianapolis, IN
800-605-2282
e-mail: insurance@mnui.com
MUTUAL OF OMAHA
Tele-Trip Company
Omaha, NE
800-228-9792
PETERSEN INTERNATIONAL UNDERWRITERS, INC.
Valencia, CA
800-345-8816
e-mail: piu@piu.org
TRAVELEX
Omaha, NE
800-228-9792
TRAVEL GUARD
Stevens Point, WI
800-826-4919
TRAVEL INSURED INTERNATIONAL
E. Hartford, CT
800-243-3174
TRAVEL INSURANCE SERVICES
InterMedical Division
Walnut Creek, CA
800-937-1387/925-932-1387
TRIPGUARD PLUS
Northridge, CA
800-423-3632
UNICARD TRAVEL ASSOCIATION
Overland Park, KS
800-501-0352
UNIVERSAL SERVICE AND ASSISTANCE
Alexandria, VA
800-770-9111 / 703-370-7800
WORLDWIDE ASSISTANCE
Washington, DC
800-777-8710 ext. 417
EXECUTIVE MEDICAL SERVICES
AMERICAN MEDICAL CENTERS
Moscow, Russia
Offices in Moscow, St. Petersburg, Kiev, Prague, Warsaw, Istanbul
(7-095) 933-77-00 (Moscow)
HEALTH QUEST TRAVEL INC.
Wexford, PA
888-899-3633
e-mail: HQT@HealthQuestTravel.com
WORLD CLINIC
Burlington, MA
800-636-9186
Return to Travel Publications Page
Results from search: http://www.phahealth.co.uk/
PHA Health & Medical Insurance - Individual, Company, Group & Expat
PHA Medical & Healthcare Insurance
89 Station Road
Sidcup
Kent
DA15 7DN
UK
Tel: 0870 7700 942
Fax: 0870 7700 941
Contact Us
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Amazon Books - Finance, Health & Insurance
If you feel like a mushroom -
in the dark about your healthcare !
We can help -
Health Insurance is a minefield !
With over 30 companies offering over 200 plans in the UK alone, how can you
be sure you buy the right plan?
You need
INDEPENDENT SPECIALIST ADVICE
PHA is totally independent of ANY insurer and will give you truly unbiased
free advice. Do remember that if you contact an insurer direct, or a "tied
agent" of an insurer, they will only be authorised to advise you on the schemes
run by that single organisation. Independent status allows a broker to
advise its clients on a wide range of policies and to select the best one
according to the clients' own circumstances. PHA hold over 30 insurance
agencies and explains in Plain English the
benefits of the plans so that you can understand what is covered and what
is not.
Health Care insurance is a complex product which is why you need specialist
advice from truly Independent Advisors such as PHA. We do not sell an insurance
plan from one Insurance company instead we advise you on the best plan that
suits your needs for the lowest premium from a whole range of insurers.
Here are some examples of monthly premiums for recomended plans.
Click Here for more details of the plan benefits.
Individual Examples
Click on each range (Comprehensive, Mid-Range, Budget or High Excess Option) for a benefit summary
* Including a £100 excess
** Includes a £2,500 excess
Age =
25
30
35
40
45
50
55
60
65
70
Comprehensive *
£42.17
£44.02
£46.96
£51.15
£56.54
£64.77
£76.64
£80.32
£107.15
£127.92
Mid-Range *
£24.00
£26.50
£29.26
£32.78
£38.93
£46.01
£53.34
£66.05
£84.31
£107.59
Budget
£20.09
£22.68
£25.94
£27.62
£28.34
£31.54
£33.86
£36.72
£44.49
£54.62
High Excess
Option **
£8.95
£10.96
£10.96
£14.98
£14.98
£23.77
£23.77
£35.04
£48.52
£63.62
Family (2 adults + 2 children) Examples
Click on each range (Comprehensive, Mid-Range, Budget or High Excess Option) for a benefit summary
* Including a £100 excess
** Includes a £2,500 excess
Age =
25
30
35
40
45
50
55
60
65
70
Comprehensive *
£105.42
£110.05
£117.41
£127.87
£141.35
£161.94
£191.59
£200.79
N/A
N/A
Mid-Range *
£59.09
£64.09
£69.92
£76.65
£88.96
£103.11
£117.77
£143.18
N/A
N/A
Budget
£60.00
£64.78
£71.30
£74.66
£76.10
£82.50
£87.14
£92.86
N/A
N/A
High Excess
Option **
£17.90
£21.92
£21.92
£29.96
£29.96
£47.54
£47.54
£70.08
£97.04
£127.74
The above policies have been chosen for their 'best value for money'
cover for a Comprehensive, Mid Range, Budget and High Excess policy. If you
find any of the premiums of interest, please specify on the
quotation form which one you require. Should you
require independent advice on a wider range of plans (not limited to the
recommended plans shown above), then please use the
application form accessible by clicking here .
A low-budget healthcare protection policy is available here -
Healthcare Hospital Cash Plan .
We are able to quote you for various categories of health insurance. If you
would like to learn a little more about the various classifications of
health insurance, click here to check
the Definitions of Types of
Healthcare Insurance You may be surprised at the number of different types
of cover that there are and which you might need.
To go to the relevant sections, click on the links here :-
Health Insurance for Individuals
Recommended Plans
Health Insurance for Companies/Groups
Critical Illness Insurance
Expat Health Insurance
Income Protection
Long Term Care
Hospital Cash Plan
Health Trust Fund
Free
Quote from:-
Quote
Options from:-
To go straight to the Medical Insurance Quotation request form please use the
links below according to whether you are an Individual or a Company/Group
administrator. We have specialist policies relative to these distinctions
and will be happy to provide you with a free quotation.
Recommended Plans
Individuals
Companies/Groups
PHA PROMISE TO KEEP YOU IN THE BEST OF HEALTHCARE
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MEMBER
British Insurance Brokers' Association
Home Page
About PHA
Type Of Healthcare
Travel Insurance
Critical Illness
Expat Insurance
Health Insurance
Long Term Care
Low Cost Healthcare
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Pet Insurance Topics Why Pet Insurance? Pet insurance protects your pet’s health, your savings and your peace of mind. Coverage Get the specifics so you can choose a plan that suits your needs. FAQ’s Find out what our plan offers, from coverage to deductibles, by reading the questions our customers ask. Order Signing up is quick and easy...
Health Insurance for Your Pet The expansion of pet medical services has been staggering. Veterinarians provide services previously thought impossible; services like organ transplants, tumor removal, pacemaker installation, ultrasound, chemotherapy, and radiation are now common. Unfortunately, hand-in-hand with increased services are skyrocketing costs , often reaching into thousands of dollars. You have enough to worry about when a loved pet gets sick. Medical expenses make a stressful time even more painful. In cases of severe illness, you may even be forced to balance your pet’s life against your finances: a horrible decision for any pet owner to make. Veterinary Pet Insurance (VPI) ensures your pet is taken care of in a wide range of medical situations and lets you focus your attention solely on your pet. Veterinary Pet Insurance (VPI), the nation’s #1 pet medical insurance plan , continues to add services to provide you and your pet with the best insurance coverage. Please take a look through VPI’s coverage and services; you'll quickly see there's no one - besides you - that cares more about your pet than VPI.
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May 14, 2002
For the Media :
AMA: America’s seniors shouldn’t pay for the government’s mistakes
AMA in Washington:
Tort Reform Bill Introduced in US House
Physician Office Insurance:
AMA Insurance Agency, Inc, Offers Small-Business Insurance Online
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"Using the Guides to the Evaluation of Permanent Impairment, Fifth Edition"
AMA Testifies in Nevada for Immediate Tort Reform
AMA Urges the Administration and Congress to Address Medicare Crisis
Physicians Win Legal Victory in Georgia
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Help With HIPAA All members are invited to participate in an open forum at the Annual Meeting in June, designed to give physicians an opportunity to learn more about HIPAA and share information with peers.
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AMA Alliance Hosts Annual Meeting Events In honor of the Alliance's 80th anniversary, special activities are planned for physician families attending the June meeting in Chicago.
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Bioterrorism: Guidelines for Medical and Public Health Management Your only source for peer-reviewed guidelines to managing infections caused by weapons of bioterrorism.
This Week From American Medical News (May 20, 2002)
Drug Diluting in Kansas City: A Pharmacist's Crime Shakes a Community Physicians are left scanning medical records, notifying some patients and reassuring others. Rebuilding trust will likely be as complex as sorting everything out legally.
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Imagine that many years ago you suffered mild depression when you broke up with your significant other and you briefly sought mental health help. Now you're happy and healthy, but you get a rude awakening when you try to buy individual health insurance: One by one your applications for individual health insurance are denied based on the six counseling sessions you had a decade ago, which are permanently recorded in your medical history. Read what to do in Don't let a previous mental health claim ruin your health insurance prospects .
You may have negotiated a decent price on your new car or bargained for a great lamp at your neighbor's yard sale, but did you know that you can haggle with your doctor to lower your out-of-pocket expenses? According to a recent study, approximately half all people who have tried to bargain with their medical providers did so successfully. We tell you how in Sickened by doctor bills? How to haggle for a lower price .
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While we were still married, my ex-husband dropped me from his health insurance plan at work. I was admitted to the hospital for kidney stones and discovered afterwards I was uninsured. I now have a hospital bill for $4,000. Shouldn't I have been notified of the cancellation? Isn't there a law to protect people like me?
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INDIVIDUAL INTERNATIONAL HEALTH INSURANCE PRODUCTS
Global Medical Insurance : Long-term major medical insurance for U.S. citizens living outside the U.S. and foreign nationals living anywhere in the world. This is for people who need extended coverage rather than the shorter coverages provided by the Patriot programs
Global Term Life Insurance : Optional term life supplement to Global Medical Insurance.
Global Daily Indemnity : Optional indemnity supplement to Global Medical Insurance.
TRAVEL HEALTH INSURANCE
Patriot America : This covers non-U.S. citizens outside their country of citizenship. It is best for visits that are less than six months. This plan can be rewritten but not renewed.
Patriot International : This covers U.S. citizens traveling outside of the United States. It is best for visits that are less than six months. This plan can be rewritten but not renewed.
ExPatriot Plus : This is a six-month minimum plan that covers US citizens outside the U.S. and foreign nationals outside their country of citizenship. The minimum initial period is six months and is then optionally renewable for up to two years.
Patriot Executive : This program is designed for frequent international travelers. Coverage includes standard Patriot Travel features with additional coverage for pre-existing conditions. This plan requires the individual to have domestic coverage in place before leaving the U.S.
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