expat health insurance

Comparing Cigna Global and International Medical Group for EB-5 Clients.

We compare and contrast the two best options for EB-5/EB-2 clients.

For individuals coming to the United States getting proper insurance is essential. Currently the two strongest products are Cigna Global and International Medical Group’s(IMG), “Global Medical Insurance.”

Network

First off let’s compare the networks of the two products. The Cigna Global product uses Cigna’s PPO while IMG uses the “First Health Network.” The First Health Network is rather large and widely accepted however we have had issues of clients not knowing if their insurance was with “First Health” or IMG. The Cigna PPO network is elite. The funny thing is this is the only individual product Cigna offers that uses this network. Advantage: Cigna

Price

This is tough to compare apples ot apples but we will try our best. The Cigna Global product is best described as a cafeteria plan. What that means is that you can design a plan with just hospitilization, hospitilization and outpatient benefits, wellness etc. The IMG product is more straightforward with plan levels similar to the Affordable Care Act starting with Bronze all the way up to Platinum. Doctor visits and medicaitons are included in all categories. When comparing a Gold level client to Cigna, IMG was less expensive. Advantage: IMG

The Fine Print

The nice thing with the application and underwriting with Cigna is its simple. With IMG if your are an Expat but just obtained a Green Card you cannot get coverage. In addition if you are age 75 or older IMG will not let you have coverage. Advantage: Cigna

Conclusion

Both IMG and Cigna are big players in the Expat insurance field. While IMG has a nice product we feel that Cigna with 30 years experience in this market is a better product.

If you have any questions do not hesitate to contact me at 561-637-8162 or Evan@EMGlobalInsurance.com #EB5 #CignaGlobal #IMG #expatinsurance #EB2

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Monday, April 3rd, 2017 Blog Posts Comments Off on Comparing Cigna Global and International Medical Group for EB-5 Clients.

Over 65 but don’t qualify for Medicare.. We have the solution

For many approaching 65 the day is truly big.  No its not because your now rounding up to the 70’s but rather you qualify for Medicare and don’t have to deal with Obamacare, the ACA etc.  But for those who don’t qualify for Medicare based on not enough working hours finding insurance can be daunting.

Individual medical may be limited, short term will issue a decline and indemnity plans are a waste of money.

The solution:  If you are an Ex-Pat or travel outside the United States: get an International Health Policy.

Evan Tunis, owner of Florida Healthcare Insurance explains, “International policies have great networks and the policies do not discriminate based on age.  The policies are individually tailored so its a true cafeteria plan.”

While the plans are quite good it is important to remember that in order to buy one you must be an ex-pat(born outside the USA) living here or travel for the majority of time outside the USA.

If you are interested in a quote for international medical please let us know.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the  leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

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Thursday, January 26th, 2017 Blog Posts Comments Off on Over 65 but don’t qualify for Medicare.. We have the solution