Health Protection Plans

Health Protection Plans We are licensed health insurance brokers in Florida, Texas, and Virginia. We represent national insurance carriers to offer their health insurance plans.

We also offer medical and travel risk insurance for international students and travelers worldwide.

11/25/2021

When you plan to go beyond U.S. borders, Medicare insurance does not go with you except for emergencies. Always carry Travelers Safety and Health insurance with you.

11/23/2021

Are You Entering 65 Soon? Or, you want to make a change in your Medicare insurance? This video shows promise of Medicare Advantage plans for you.

11/12/2021

Video shows typical benefits and a number of add-ons, free and discounted.

TriTerm Medical Insurance plans ensure continuity of medical insurance for three years at annual locked up premiums for ...
09/22/2021

TriTerm Medical Insurance plans ensure continuity of medical insurance for three years at annual locked up premiums for three terms of one year each, with certain exclusions, limitations, and preexisting conditions. The plans come with or without integrated prescription drugs plans. Since these plans are designed as alternatives to major medical plans for lesser premium costs, there are exclusions and limitations applied. To offset high costs of hospital confinement, it may be prudent to add hospital insurance, which are indemnities on flat benefit or per diem basis per calendar year.
Unlike Short Term Medical Insurance, there is no underwriting for re-issue of policy. If the policy holder develops severe medical condition, the 36 months of policy in hand protects.

Unlike group insurance plans which have been administratively intensive, PPACA compliant major medical insurance plans f...
09/22/2021

Unlike group insurance plans which have been administratively intensive, PPACA compliant major medical insurance plans for employers and employees have been a giant leap forward since Jan 01,2020 which gives big flexibility of benefits. The employers can help the employees financially, and the employees can choose where and what insurance they want to buy the insurance and carry with them for the calendar year. Since the signup process involves the disclosure of your income, you may be able to or preferably help yourself without assistance.
So, what has been the significant change in the Affordable Care Act for Employers and Employees?
Effective January 01, 2020, new rules enable employers to offer a new “Individual Coverage HRA” (Health Reimbursement Arrangements) as an alternative to traditional group health plans. The employer maintains the same tax-favored status of the employer contributions towards a traditional group health plan, the employee gets tax free contribution to his/her Individual Coverage HRA account.

International Travelers Medical insurance, including Travel Safety insurance plans for individuals or individuals travel...
09/22/2021

International Travelers Medical insurance, including Travel Safety insurance plans for individuals or individuals traveling together, is offered by Tokio Marine HCC MIS in each of the following two categories: (a) Worldwide, including U.S., and (b) Worldwide, excluding U.S. Each of these two categories has two sets of insurance plans: basic and premium. When you are traveling abroad, you need this crucial insurance coverage for protection of your health, travel safety, and your finances. Must check on eligibility and features of plans.
It is mandatory for the accompanying family of an International Student in the U.S. to have medical insurance. This international travelers’ insurance will serve the purpose well.
International Travelers Medical insurance, including Travel Safety insurance plans for individuals or individuals traveling together is offered by Tokio Marine HCC MIS in each of the following two categories: (a) Worldwide, including U.S., and (b) Worldwide, excluding U.S. Each of these two categories have two sets of insurance plans: basic and premium. When you are traveling abroad, you need this crucial insurance coverage for protection of your health, travel safety, and your finances. Must check on eligibility and features of plans.

For international students coming to the U.S, it is a mandatory legal requirement that all international students and th...
09/22/2021

For international students coming to the U.S, it is a mandatory legal requirement that all international students and their accompanying families have international health insurance with travel safety insurance. For international students who go abroad for studies other than the United States, it is most desirable that they carry international students’ health and travel safety insurance when away from their home country.
Many schools in the US sponsor a carrier for incoming students to purchase health insurance on a semester basis. You are free to shop for health insurance coverage as part of your visa status. You have to show proof of health insurance to your school upon your arrival. It is a good idea to purchase a health and travel safety insurance certificate before you leave your country. You must be covered.
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Short Term Medical insurance plans, also called temporary medical plans, have been evolved as alternatives to major medi...
09/22/2021

Short Term Medical insurance plans, also called temporary medical plans, have been evolved as alternatives to major medical plans by reducing some benefits and costs. The emphasis on benefits has been on avoiding high-risk pursuits of lifestyle and absence of high-risk diseases, thus pruning down the health insurance coverage. The plans are designed for the customization of desirable coverage. Unlike major medical plans which are all-encompassing coverage, Short Term Medical plans to ask certain basis qualifying questions for sign up. The coverage starts the next day.
It is ideal to add Hospital Insurance indemnity to short-term medical insurance. You get paid on per day basis of hospitalization upon proof of your hospital confinement. Plans are available for the choice of additional coverage.

Medicare Advantage Insurance for 65+Medicare Advantage plans are composed of hospital coverage, office visits to physici...
09/22/2021

Medicare Advantage Insurance for 65+
Medicare Advantage plans are composed of hospital coverage, office visits to physicians, and prescription drugs insurance coverage with some add-on features. These plans are annual contracts between insurance carriers and Centers for Medicare and Medicaid Services. Qualified healthcare providers enter into annual contracts with insurance carriers to provide discounted rates of medical services, and with pharmacies for the supply of prescription drugs which are characteristically a fraction of providers' billings. These contracts bind the providers for acceptances of payments approved by insurance carriers without any supplemental billing to the beneficiaries.
If you are entering 65 this year, you can enroll three months before your birth month, and the coverage begins on the first of your birth month. If you are above 65, and already have Medicare insurance of any kind, you can buy Medicare Advantage insurance during the open enrollment period of October 15th to December 7th for next year starting January 1st. If you run into a special event in life, you can pretty much enroll in Medicare Advantage any time of the year
You are at advantage for discounted rates of service if you go to healthcare providers who are in network of the insurance carrier. If you buy a plan which is HMO, (Health Maintenance Organization), your freedom is highly restricted due to geographical limitations and for availability of physicians. However, if you enroll in a PPO (Preferred Provider Organization) plan, you can pretty much go to any physician in the network nationwide. If you go to an out-of-network provider, be prepared to pay more, either full of partial of provider's fees that insurance may not pickup.
You are at advantage for discounted rates of service if you go to healthcare providers who are in-network of the insurance carrier. If you buy a plan which is HMO, (Health Maintenance Organization), your freedom is highly restricted due to geographical limitations and for availability of physicians. However, if you enroll in a PPO (Preferred Provider Organization) plan, you can pretty much go to any physician in the network nationwide. If you go to an out-of-network provider, be prepared to pay more, either full or partial of the provider's fees that insurance may not pickup.

International Travelers Medical insurance, including Travel Safety insurance plans for individuals or individuals travel...
09/22/2021

International Travelers Medical insurance, including Travel Safety insurance plans for individuals or individuals traveling together, is offered by Tokio Marine HCC MIS in each of the following two categories: (a) Worldwide, including the U.S., and (b) Worldwide, excluding the U.S. Each of these two categories has two sets of insurance plans: basic and premium. When you are traveling abroad, you need this crucial insurance coverage for the protection of your health, travel safety, and your finances. Must check on eligibility and features of plans.
It is mandatory for the accompanying family of an International Student in the U.S. to have medical insurance. This international travelers’ insurance will serve the purpose well.

Health Protection Plans.
09/22/2021

Health Protection Plans.

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Orlando, FL
32820

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