According to Wikipedia: An expatriate (commonly abbreviated expat) is a person temporarily or permanently residing in a country and culture other than that of the person’s upbringing. This does not mean that you are to never return to your home country or that you have to renounce the nationality you were born with. It simply means that you are currently […]
Make Sure Your International Insurance Agent Is Licensed
There are a lot of reasons it’s important for you to know who you are doing business with but one of the most important reasons is so that you receive the protection you thought you were purchasing. A story just came to light recently from a couple who recently purchased a home in Merida, Mexico. […]
IMG Underwriter, Sirius International, Rated A in 2012
IMG’s underwriter, Sirius International, has been Rated A by A.M. Best Europe – Rating Services Limited. Sirius’ claims paying ability continues to be strong by a safety reserve, which can only be released to cover insurance losses and is funded from the company’s cumulative retained pre-tax earnings. Sirius’ safety reserve at year-end 2011 amounted to […]
A Pre-existing Condition Does Not Mean You Cannot Have Health Insurance
As more and more people are looking to international communities for the lifestyle they want and can afford, international health insurance is playing an important role in determining the ability to make such a move. However, many people nearing retirement age have concerns about finding coverage if they have pre-existing conditions and have been turned […]
Does Obamacare Affect Medicare?
Obamacare, or PPACA, Patient Protection and Affordable Care Act, mainly applies to those under 65. Medicare is a separate government health program. Obamacare rules apply mostly to individual and group health insurance policies for Americans under 65 and who are not yet eligible for Medicare. Medicare premiums are also not related to Obamacare. There has been […]
Dark Chocolate is Heart Healthy
Need a good excuse to indulge in a little sweet treat but not totally fall off the wagon? Have some dark chocolate! A small dark chocolate candy bar, or about half of one full size candy bar a day is actually good for you! The reason for this is that dark chocolate has a high […]
Re-Energize With Meditation
Meditation can help calm your mind and your nerves, however, sitting in meditation can be challenging. While trying to clear your mind, you may feel anxious that you are not attending to your busy day. Your mind may wander and your feet may fall asleep but with continued practice, meditation does get easier. In fact, it can […]
Plan C or Plan F For Your Medigap Coverage?
We all know that Medicare was never intended to pay for all of your medical expenses. However, according to a recent study by the Department of Health and Human Services, Medicare Part A, B and D pays for a little less than half of the average medical costs for seniors age 65 and older. For […]
Do I Need Medical Travel Insurance?
Traveling outside your home country is full of excitement and uncertainty! A lot of preparation goes into international travel, from saving hard earned dollars, to familiarizing yourself with the area, down to making sure the bills have all been paid. With all of that planning, purchasing international health insurance does not often make the list. […]
Seniors Should Take Advantage of Walgreens Take Care Clinics
Walgreens has two preventative wellness programs available to Medicare and Medicaid participants, located in each Walgreens pharmacy. The programs are not new, however, they have not been well advertised as many seniors have not taken advantage of the programs. To date, only 6.5% of eligible members have taken advantage of the programs. The programs are […]