Archive for the ‘health insurance’ Category
Top Ten Travel Tips For Students Traveling Abroad
Although most trips abroad are trouble free, being prepared will go a long way to avoiding the possibility of serious trouble.
1. Make sure you have a signed, valid passport and visas, if required. Also, before you go, fill in the emergency information page of your passport!
2. Read the Consular Information Sheets (and Public Announcements or Travel Warnings, if applicable) for the countries you plan to visit.
3.Leave copies of your itinerary, passport data page and visas with family or friends at home, so that you can be contacted in case of an emergency. Keep your host program informed of your whereabouts.
4. Make sure you have insurance that will cover your emergency medical needs (including medical evacuation) while you are overseas. Travel insurance may be necessary if your present health insurance does not cover you in foriegn countries.
5. Familiarize yourself with local laws and customs of the countries to which you are traveling. Remember, while in a foreign country, you are subject to its laws!
6. Do not leave your luggage unattended in public areas and never accept packages from strangers.
7. While abroad, avoid using illicit drugs or drinking excessive amounts of alcoholic beverages, and associating with people who do.
8. Do not become a target for thieves by wearing conspicuous clothing and expensive jewelry and do not carry excessive amounts of cash or unnecessary credit cards.
9. Deal only with authorized agents when you exchange money to avoid violating local laws.
10. When overseas, avoid demonstrations and other situations that may become unruly or where anti-American sentiments may be expressed.
Don Stuart publishes a website about Tombstone, Arizona. Step back into the past and experience 1880’s Tombstone, Arizona.
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Individual Or Family Health Insurance Options
As more and more individuals working at home with or without families find themselves without some kind of group health insurance. Sometimes even working at a job, no health insurance is even offered.
Thousands of hard-working people in every state are making dangerous choices: No health insurance at all! They believe they are too young or too healthy. They believe they “save a little or a lot of money” and can do without.
Consider your friends, family and neighbors – people who may have been sick or injured. The fact is, even healthy people may end up with a serious medical condition that can be extremely costly to treat.
Now you can consider how much of a terrible ordeal would be without some kind of quality health insurance to pay for thousands of dollars in doctor fees or hospital bills!
When you really think of it and ask yourself this question … “Can I afford health insurance?” and more importantly: “Can I afford to be without it?”
You have to determine whether you are young if I really need the insurance. There are other types of insurance that gives you a discount on all your doctor and hospital bills.
Health insurance is not cheap but if you are over 35 years old, you probably should rethink whether you need individual or family health insurance coverage or is the discounted health insurance really right for you. One illness can put you in debt.
If you are an individual you might pay $400 getting the insurance privately but if you have a family you may pay $700+ each month just for an HMO. Can you afford that? Otherwise try and consider getting a job that pays for some of the insurance even if the salary is slightly less.
Insurance rates have gone sky high and it looks like there is no end to it. Just one incident can devastate your whole life savings.
If you are a single parent with a child, you will wind up paying the family rate which is unfair. If you are a college student, check with a college to see what their health insurance may cover. Otherwise, there are insurance companies that offer health insurance for college students.
This is not legal advice or any type of advice for you to get insurance or not. You need to research whether or not you can afford to be with or without the insurance.
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