Health insurance has long been the unsung hero of financial planning. As people live longer, we tend to spend much more on our medical expenses than we used to. As little as 20 years ago an American male had a life expectancy of only 62 years. That has since grown to 69 years. These additional years are a direct result of vast improvements in medical knowledge and technology. Neither of which comes cheaply. In 1985 a $1 million life time cap on a health insurance policy was considered to be more than adequate, but by today's standards a policy with such a low cap is considered to be a "entry level" policy.

A cap of $5 million or more is standard by today's standards. This seems to make sense as costs rise but it is hardly common knowledge. Most baby boomers grew up in the age HMO's and the low cost /high coverage that they provided. But as cost's rise the insurance companies and can no longer offer these plans at the rates that we have grown accustomed to. The new breed of policies are high deductible PPO's and HSA compatible PPO plans at higher rates than most paid for an HMO only a few years back. With much less coverage and higher price tags, many people wonder if they are better of going with coverage. The answer to that is a resounding NO.

A single day in the hospital typically averages about $5000.00 and that is just for the hospital services.(i.e. room and board, nursing care,ect) If other services such as a surgical procedure or cardiac monitoring are require those expenses can go much higher. According to the AMA, a typical breast cancer treatment (complete) can run nearly $150,000.00. While these are impressive numbers a well thought out insurance plan can limit these numbers significantly. With the cost of insurance plans starting as low as a few dollars a day it simply does not make sense to go without health insurance. Even if it's only a entry level plan.



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We have all seen the cost of health insurance continue to get more and more expensive. As a result many people are looking into International health insurance coverage programs. It just isn't worth not having any insurance at all because it only takes on medical emergency for you to find yourself several thousands of dollars in debt. You don't want to have a financial obligation like that hanging over you head. You can find some affordable health insurance options if you take the time to compare the prices and the coverage.

International insurance is not available to citizens of the United States unless they aren't currently residing in the United States. Some of the different International health insurance providers have age limits in place as well. No one over 65 is offered new coverage. Make sure you look at the details of what is being offered to you before you commit to any health insurance policy.

Before you will be approved for International health insurance you need to complete a detailed questionnaire. You will need to provide complete information about your entire medical history. This includes your past medical problems as well as any ongoing medical needs you currently have. Once the provider has reviewed this information they will be able to determine if you are eligible for coverage as well as the right program for you.

It is very important that you are completely honest with the questionnaire as you complete it. Don't omit information in an effort to get a better rate on your health insurance. If you don't disclose information and it is discovered they can cancel your policy.

After you have completed the questionnaire and spoken to a health insurance representative you will get information on the available coverage. There are limits to the coverage of such insurance, especially while you are traveling to the United States. The cost of the International health insurance that is offered to you will depend on your age, the coverage you are interested in, and the deductibles that apply to your insurance plan. You can get plenty of free quotes on International health insurance so you can select the one that is right for you.



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