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Results from search: http://www.travelersmed.com/
Always low cost short term international medical travel insurance and trip cancellation travel insurance.
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Serving the World with Low Cost Short Term Medical Travel
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group of popular international travel insurance companies provides one of
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international medical travel insurance and trip cancellation travel
insurance plans designed to meet your exact needs as a worldwide traveler.
There are primarily two
types of International and Domestic travel insurance plans available...
Trip Cancellation and Short Term Medical. To find your best
buy, 'click' on any of the colorful travel insurance company logos
shown directly below the type of travel insurance
that will best suit your needs... compare... and
then buy online!
Trip Cancellation policies are designed to
emphasize protection against Domestic and International trip
cancellations, interruptions and delays. These travel insurance plans
may also provide additional benefits including among others, limited emergency
travel medical expense and evacuation. Premiums are based upon age, length
of trip and trip cost.
To
view these Trip
Cancellation Insurance Companies and
their plans, "click here".
Short-term
International Medical insurance policies are designed to provide
up to $2,000,000 of travel medical care while out of your home
country. They may also provide additional benefits including among
others, emergency evacuation and repatriation, accidental death and
limited trip interruption. Premiums are based upon age, length of
coverage, maximum benefits and deductibles selected.
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Results from search: http://www.medsave.com/
MedSave.com Medical Insurance, Dental Plans & Medical
Savings Accounts
OnlineAdviser
service provided by Tony Novak
Welcome
to
Med Save .com
Fast,
affordable and reliable health plans and tax-qualified M edical
Savings Accounts
Thanks
to our 35,000 users since 1999 - Please tell a friend about us!
Short
Term Medical Insurance (U.S.)
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Medical Insurance (U.S.)
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Medical Insurance (Worldwide)
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/ Vision / Rx Discount Plan Free Trial Offer (U.S.)
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Information:
Mailing
Address: P.O. Box 102, Narberth, PA
19072
Toll-Free
Telephone: (877) 539-7435
Direct Telephone: (610) 664- 8669
Fax: (603)
691-7948
Email:
benefits@medsave.com
We are committed to your
complete Freedom of Choice - All of the health insurance plans cover ordinary and necessary medical expenses
provided by any doctor or hospital of your choice anywhere in the
country. Some plans provide worldwide coverage. Get
Rates and enroll online
-
for U.
S. short term health insurance , international
health insurance , student
health plan , Your
new coverage will be confirmed effective within hours. Telephone
Support 1-877-529-7435
Professional enrollment support from financial adviser Tony
Novak. When necessary, call-backs are made within one business
day. Fax, E-mail and Regular Mail
- Use
the " Request Information " form for
permanent medical plans Use this method for
Medical Savings Accounts because these rates are not available using the
automated pricing and enrollment.
COBRA
coverage too expensive? / Recently graduated? /
Self-employed? / Not covered under parent's policy? /
Preferred Risk? / Student? / Waiting for group
coverage? / Over Age 65? / Starting a new business?
/ Working from home? / No benefits provided with your
job? / COBRA is too expensive? / Retired early? / Traveling
Overseas? / Visiting the U.S.? / Need to find more
affordable insurance? / Need to rollover benefits to your new
employer? / Receiving Unemployment Benefits?
Our Mission
To provide fast and
reliable enrollment in high quality / low cost health insurance plans.
Business Profile
MedSave.com is the creation
of financial adviser Tony Novak designed to prove that medical insurance and
Medical Savings Accounts do not need
to be complex, expensive or difficult to obtain. This service rises to the
challenge of making available a top quality medical insurance and free Medical
Savings Accounts to most small businesses nationwide. Tony Novak also designed
FreedomBenefits.com to
provide free 401(k) plans to small businesses under the
same principals.
Tony Novak
(click for
full biography) , MBA, MT, a Comprehensive Wealth Management Adviser, has provided employee benefits consulting to more than a
thousand small businesses in 48 states and is known
as an innovator in the design of low cost and tax-saving benefit plans for
small business owners. Mr. Novak is a contributor to Web-based industry publications
like Financial Planning Interactive and lectures on the topic "Current
Events in Employee Benefits" in continuing education programs for
CPAs, attorneys and financial planners.
To learn more about free online
401(k) plans for small businesses, Comprehensive Wealth Management and the
other services provided by Tony Novak, call 1-877-529-7435.
Secure Online Enrollment
Comments from customers
| Why use MedSave. com ? A bit
of humor: "Top 25 Clues That Your Health Plan is
Substandard"
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Results from search: http://www.worldwide-med.com/
Worldwide Insurance Services, Inc. Providing Insurance Worldwide! International Health Insurance, short term medical, college students, cobra, commercial, life, vision, dental and more!
Don't Go Without Health Insurance...
Not Even For A Day.
Phone (800)
955-0418 Fax (847)
559-9499
Short Term Health Insurance for Coverage within the US.
Click Here for Instant Quotes for 30-150 Days
of coverage.
Click here for Instant
Quotes for 6-12 Months of coverage.
Click Here for
Alternative Quotes to Cobra.
Not Sure? Click here for information on Cobra.
Click Here if you are a
Recent College Graduate.
International Health Insurance
Instant Quote for US Residents
Traveling
Abroad for 2 weeks - 3 years
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the U.S.
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Immigrant to the U.S.
Are you...
Between jobs?
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Waiting for coverage from
your new employer?
On COBRA?
Temporarily laid off or on
strike?
About to travel out of the
country?
A foreign visitor to the US?
A full-time college student?
A part-time or temporary employee?
Waiting for your permanent
insurance to be issued?
If you need coverage for a month, a year or longer, World Wide
Med can help. *
As independent insurance brokers we offer a greater variety of temporary
medical plans than any single source. Issued by several highly rated insurance
companies, our temporary plans are:
Affordable
Quickly issued
Flexible (choice of deductibles,
length of coverage and payment method)
Guaranteed. Your money
back if not completely satisfied.
Medical Costs are at an all time high (a typical day in the hospital
can run $2500 or more!)
You cannot afford to be without insurance!
Worldwide Med is a service of Worldwide
Insurance Services, Inc .
Call us at 800-955-0418 and we will rush information on this vital coverage.
* Not available
in all states.
Worldwide
Insurance Services, Inc.
3210
Doolittle Drive
Northbrook,
IL 60062
(800)
955-0418
Email: info@wwins.com
Updated: 05/03/02
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Short Term Medical Insurance
Questions: What is short term medical insurance?
Questions: What types of situations give rise to a need for short-term medical insurance?
Questions: How broad is the benefit coverage under short-term medical insurance?
Questions: What are some of the limitations of short term medical insurance?
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Results from search: http://www.ieeeinsurance.com/stm/highlite.asp
Short Term Medical Insurance Highlights
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Reliable, Competitively
Priced Protection That Can Help In A Variety Of Situations:
Now you don't need to go without medical insurance just because
you're a recent college graduate, are between jobs, or waiting for
your new employer's health plan to go into effect.
Temporary Medical
Insurance That's Comprehensive, Flexible, And Affordable: The
IEEE Short Term Medical Plan offers reliable,
competitively priced protection to make sure you can afford the
health care you deserve.
Convenient Monthly
Billing That's Easy On Your Budget
Choice Of Coverage
Periods
Eligibility For One
Renewal Period
Contact The Administrator
For More Information:
To learn more about this valuable insurance coverage, contact a
Short-Term Medical Insurance Plan Representative at Seabury &
Smith at 1-800-323-2106.
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Results from search: http://www.seaburychicago.com/products/stm.asp
Seabury & Smith Products: Short Term Medical Insurance
Short Term Medical Insurance
Are you between jobs? Or perhaps a recent college graduate looking for that first job? Then chances are you're in need of temporary medical insurance until you become part of an employer's plan.
The Short-Term Medical Plan provides comprehensive, temporary medical coverage at a reasonable price. It's an affordable plan that gives you peace of mind knowing you won't have to worry about the cost of health care. You select the coverage period that fits your situation.
Benefit Features:
Choice of coverage periods
Eligible for one renewal period
Billed monthly
Don't go without medical coverage when you're between jobs or looking for that first job. The Short-Term Medical Plan provides reliable, affordable protection.
Results from search: http://www.studentinsurance.com/shtrm/shorterm.htm
Short Term Medical Insurance
Short Term Medical Insurance
Short Term Medical Insurance is valuable coverage if you are
Between Employment
Laid Off
Graduating From College
Waiting To Be Covered Under a Group Policy
Short Term Insurance FAQs
What is Short Term Medical Insurance?
How does the plan work?
Who is eligible?
Who is not eligible?
What are the benefits?
What happens if I require further treatment after my plan expires?
Does this plan utilize an authorization service?
What services are not covered?
Additional plan features
When does my coverage begin?
May I purchase a second STM plan?
What about refunds?
What is Short Term Medical Insurance?
Short Term Medical is a temporary plan of insurance designed for people who
are between permanent health plans. Whether you are a graduating student,
between jobs, laid off, or waiting for your employer's health coverage to begin,
a Short Term Medical plan from Time Insurance Company
provides valuable insurance protection.
GO BACK to Index
How does the plan work?
You choose the Deductible ( + $250, $500, $1,000, $2,500) and Rate of Payment
( ~ 80%/20% or * 50%/50%). When you become sick, benefits are paid in this way.
First: You pay the deductible you've selected ($250, $500, $1,000, or $2,500).
Then: After you've paid your deductible, Time Insurance pays either 80% or 50%
of the next $5,000 of Covered Expenses , depending on the rate
of payment you selected.
Thereafter: The plan pays 100% of the remaining Covered Expenses
up to the plan maximum of $2,000,000 for each Covered Person.
+ The $250 deductible is NOT available in CALIFORNIA or COLORADO.
~ The 80/20 option is NOT available in WASHINGTON.
* The 50/50 option is NOT available in MINNESOTA, OKLAHOMA or TEXAS.
GO BACK to Index
Who is eligible?
Healthy individuals 15 days old and older and younger than 64 years 11 months who have a temporary need are eligible. Dependent children younger than 21 years (24 if a full-time
student) may apply for coverage as dependents on their parent's plan.
GO BACK to Index
Who is not eligible?
Persons living outside of the United States.
Persons living in Alabama, Alaska, Hawaii, Maine, New Jersey, New York, or Vermont.
Persons who are unable to meet the requirements specified in the application
for coverage.
Persons who will turn 65 or become eligible for Medicare during the benefit period.
Persons who are pregnant. If one family member is pregnant, coverage may not be
offered to any family member until the pregnancy terminates.
Persons who have health conditions that would make them ineligible for a fully
underwritten plan of insurance.
Persons engaging in hazardous activities, sports, or occupations on a routine basis.
Foreign visitors or Non-U.S. citizens.
Persons seeking coverage while traveling outside the U.S.A.
GO BACK to Index
What are the benefits?
Covered Expenses are as follows:
Room, board and routine nursing services that are provided to all inpatients
while confined in an semi-private room, ward, coronary care or other intensive
care unit in a Hospital.
Other Hospital services including any service performed in a Hospital's
outpatient department or free-standing surgical facility.
Physician services and surgical services.
X-ray, radioactive treatment, laboratory charges and anesthesia services.
Professional ambulance service to the nearest Hospital able to handle the
Sickness or Injury.
Skilled Nursing Facility care (up to 30 days), following a hospital
confinement.
Home Health Care (up to 40 visits).
Outpatient Physical Medicine (up to 10 visits); inpatient rehabilitation
(up to 30 days).
Rental (up to purchase price) or purchase, when approved in advance,
of basic wheelchair; basic hospital-type bed or crutches.
Whole blood, blood plasma and blood products.
Drugs which require the written prescription of a Physician.
GO BACK to Index
What happens if I require further treatment after my plan expires?
Time's plan contains two provisions that extend coverage beyond the
expiration date of the plan.
If a Covered Person becomes totally disabled and is being treated for
that condition during the benefit period, the plan will extend benefits to the
earliest of:
12 months following the termination date
the end of Total Disability
payment of the $2,000,000 maximum benefit
the date on which treatment is no longer required.
The deductible need not be met to qualify for total disability.
A benefit of up to $1,000 for follow-up care for an Injury sustained or
Sickness which commenced during the plan period may be provided. To qualify,
the insured must have met his or her Deductible during the Benefit Period.
Qualifying expenses must be incurred within 60 days of the expiration of the
plan. The insured does not have to be Totally Disabled to qualify for this benefit.
GO BACK to Index
Does this plan utilize an authorization service?
Yes. Time's Short Term Medical utilizes an Authorization service which ensures
that you and your family receive the most appropriate and cost effective care
available. Trained medical professionals work with you and your physicians
to review the course of treatment and advise you of your eligibility for benefits.
The identification card provides a toll-free number for easy access to this
service. The authorization process must be followed in its entirety to receive
maximum benefits. The contract explains the Authorization process in detail.
Authorization is required in advance of:
all Hospital or Skilled Nursing Facility Admissions
outpatient or day surgeries
rehabilitation programs
home health care
Physical Medicine
transplants
Benefits on unauthorized services of otherwise Covered Expenses
will be reduced. NO benefits will be paid for a transplant if the procedure was
not Authorized prior to the beginning of the donor search and selection.
GO BACK to Index
What services are not covered?
Pre-existing Conditions
Intentionally self-inflicted Injury or Sickness, whether sane or insane.
Free services provided by a federal, veteran's, state, or municipal hospital.
Mental Disorders, Mental Illness, or Substance Abuse except as may be
provided by Amendment Rider. .
Injury or Sickness to the extent that benefits are paid by Medicare or
any other government law or program (except Medicaid); or medical coverage
under any automobile insurance
Injury or Sickness covered by Worker's Compensation or Occupational
Disease Laws.
Treatment of Sickness or Injury caused by or contributed by war or
act of war; or participation in the military service of any country.
Dental treatment unless a Hospital stay is required due to the Injury.
Then only hospital charges are covered.
Treatment of temporomandibular joint disorders (TMJ), except as provided
by contract (see Plan).
Cosmetic surgery or reconstructive surgery, except as provided by
contract (see Plan).
Routine physical exams and immunizations; eyeglasses, contact lenses,
or eye exams; hearing aids.
Normal pregnancy or childbirth; routine well child care.
Sterilization; treatment for infertility; genetic testing or counseling.
Treatment or removal or repair of tonsils or adenoids, except on
Emergency basis.
Expenses incurred for weight reduction or weight control programs;
treatment, medication or hormones to stimulate growth.
Expenses resulting from the commission of a felony or while under the
influence of illegal narcotics or non-prescribed controlled substances.
Custodial Care.
Services rendered or supplies purchased from your Immediate Family.
Experimental or Investigative Treatment; inpatient treatment of
chronic pain disorders.
Private duty nursing; charges for standby Physicians.
Taxes; provider administrative expenses; travel, transportation or living
expenses.
Therapy or treatment for learning disorders or disability
or developmental delays.
Complications of any treatment or surgery for an excluded service or procedure.
Sclerotherapy for veins of the extremities.
Expenses incurred outside of the United States, its possessions,
territories, or Canada.
A limitation for the treatment of Acquired Immune Deficiency Syndrome (AIDS), Aids Related Complex (ARC), or related immunodeficiency disorders may apply. See your state specific outline or plan.
GO BACK to Index
Additional Plan Features
A MAXIMUM FAMILY PREMIUM - Regardless of the number of dependent children, the premium is capped at three (3) dependents.
A MAXIMUM FAMILY DEDUCTIBLE - Equal to 3 times the Deductible Amount will satisfy the Deductible requirements for all covered family members.
GO BACK to Index
When does my coverage begin?
Your coverage will take effect on the later of:
12:01am the day after your requested policy date or
12:01am the day after the postmark date affixed by the U.S. Post Office,
(If the envelope containing your application is not postmarked by the U.S. Post
Office, or if the postmark is not legible, the plan date will be the later of
a) your requested date or b) 2 days prior to the date the application was received
by your Agent or Time Insurance.)
provided the following conditions are met:
Your application and full premium payment are received by your Agent or Time Insurance Company AND
Your answers on the application are complete and meet the requirements for acceptance.
GO BACK to Index
May I purchase a second STM plan?
Time's Short Term Medical Plan is NON-RENEWABLE. However, if your
temporary need continues, you may apply for one additional benefit period if:
No claims were incurred under a previous plan;
There has been no significant change in health; and
The total days of coverage for all plans does not exceed 365 days.
A new application must be completed. Should a second application be approved,
a new plan will be issued. THERE IS NO CONTINUOUS COVERAGE between
the original and second plan. Any conditions or symptoms which may
have occurred under the first plan will be treated as pre-existing under the second plan.
GO BACK to Index
What about refunds?
You may return your plan for a full refund within 10 days of delivery. After
that time, refunds are not available. READ YOUR PLAN CAREFULLY.
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About Time Insurance Company
Time Insurance Company is a subsidiary of Fortis, Inc., a financial services company
that owns or manages approximately $10 billion in assets. Fortis, Inc. represents
the U.S. holdings of Fortis, the $125 billion worldwide
financial services group jointly owned by Fortis AMEV of the Netherlands and Fortis AG of Belgium.
Insurance contracts are issued and underwritten by Time Insurance Company,
Milwaukee, WI.
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Definitions
A Covered Expense is an expense incurred by an insured
for services, treatment or supplies prescribed by a Physician as a result of
Sickness or Injury; for Medically Necessary Care; and Incurred while this plan
is in force. A Covered Expense does not include any charge in excess
of the reasonable and customary charge.
A Pre-existing Condition is a condition
for which the Covered Person
was diagnosed or treated by a legally qualified
Physician with consultation, advice, or treatment within the 24-month period
immediately preceding that Covered Person's Effective Date of Coverage
or a condition which became evident because there was a clear, distinct
symptom or symptoms within the 12-month period immediately preceding that
Covered Person's Effective Date of Coverage.
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For additional information,
call us at 1-800-222-6491, ext. 34.
or write us at:
Pearce and Pearce, Inc.
PO Box 2270
Florence, SC 29501
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Results from search: http://www.tempmedical.com/
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Results from search: http://www.armchair.com/insure/major1.html
Armchair World: travel related international major medical
insurances for persons traveling outside their home country on a short term or
long term basis and major medical policies for persons living outside of their
home country. We are agents for the Diplomat plans and other long term major
medical insurance plans.
Info -- Escapes --
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Railpasses -- Specials -- Insurance
International Major Medical Insurances
Armchair World Offers Major Medical Insurance Plans for
Travelers and Those Living Outside Their Home Country Worldwide on a Temporary
or Long-term Basis
These include:
Diplomat America U.S. coverage
Diplomat International short
term coverage
Diplomat LT long term
coverage
Diplomat Med-E-Vac Evac-only 3
months and greater coverage
Extra Long Term long term to
permanent coverage
Group 25 or more persons, 15
days to 1 year coverage
Corporate/ Company coverage
for 25 employees
Get Quote
Diplomat America (U.S. coverage for
foreign nationals)
15 days to 12 months of coverage for foreign visitors coming
to the USA
no health questions - guaranteed issue
no age limits
optional home country rider for up to a maximum of 2 months
per 12 months of coverage
optional hazardous activity rider to cover motorcycling,
scuba diving, jet skiing, snow skiing and water skiing, mountain climbing, sky
diving, amateur racing, piloting an aircraft, bungee jumping, spelunking,
whitewater rafting, surfing and parasailing
optional athletic rider to cover participation in amateur,
club, intramural, interscholastic or intercollegiate tennis, swimming, cross
country, track, baseball, softball, volleyball and golf sports
Get Quote
Top
Diplomat International (short term
coverage)
Up to 12 months of coverage for US citizens traveling outside
the USA
Up to 12 months of coverage for foreign nationals traveling
outside their home country not including travel to the USA
no health questions - guaranteed issue
no age limits
1 day of home country coverage for every week of paid
coverage up to a maximum of 2 months per 12 months of coverage
optional hazardous activity rider to cover motorcycling,
scuba diving, jet skiing, snow skiing and water skiing, mountain climbing, sky
diving, amateur racing, piloting an aircraft, bungee jumping, spelunking,
whitewater rafting, surfing and parasailing
optional athletic rider to cover participation in amateur,
club, intramural, interscholastic or intercollegiate tennis, swimming, cross
country, track, baseball, softball, volleyball and golf sports
Get Quote
Top
Diplomat LT (Long Term
Coverage)
3 months to 36 months of coverage for: foreign visitors
coming to the USA, US citizens traveling outside the country or foreign
nationals visiting another foreign country
no health questions - guaranteed issue
no age limits
1 day of home country coverage for every week of paid
coverage up to a maximum of 2 months per 12 months of coverage
optional hazardous activity rider to cover motorcycling,
scuba diving, jet skiing, snow skiing and water skiing, mountain climbing, sky
diving, amateur racing, piloting an aircraft, bungee jumping, spelunking,
whitewater rafting, surfing and parasailing
optional athletic rider to cover participation in amateur,
club, intramural, interscholastic or intercollegiate tennis, swimming, cross
country, track, baseball, softball, volleyball and golf sports
Get Quote
Top
Extra Long Term - Major
Medical Insurance Policy for Long Term to Permanent Residence Outside of Your
Home Country
An underwritten policy for persons living outside their home
country on a long term basis.
guaranteed lifetime renewability
maternity coverage
worldwide cover including business and holiday
travel
no exclusions for sporting activities (such as professional
mountain climbing or parachuting )
up to 2 children under 10 years of age and living with
parents will be covered free of charge under parents' policy.
excellent benefits package
Get Quote
Top
Diplomat Med-E-Vac -- Emergency Medical Evacuation (Only)
Coverage
Coverage is available for three, six or twelve month periods
to cover any time you are outside your home country or country of residence.
This insurance is available on a 3 month- minimum basis. It
is highly recommended that you have major medical insurance in effect in the
region you are traveling before considering evacuation - only
insurance.
Get Quote
Top
Group Coverage
For groups of 25 or more individuals traveling 15 days to 1
year or residing overseas permanently. Especially good for educational and
religious groups as well as for missionaries
Get Quote
Top
Corporate/Company Coverage
For companies with 25 or more insurable employees, group
discounts apply and individual employee policies can be activated and
de-activated on a per-need-basis
Get Quote
Top
Request Quotes for Major Medical
Insurances
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