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Author: Subject: How does this insurance plan compare to what people are currently using?
Whale-ista
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[*] posted on 2-23-2014 at 11:35 AM
How does this insurance plan compare to what people are currently using?


This looks pretty comprehensive. Offers expat coverage only or US and expat options.

Any comments? Would you consider this plan?

https://www.geobluetravelinsurance.com/index.cfm




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dtbushpilot
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[*] posted on 2-23-2014 at 11:50 AM


Looks pretty expensive.



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Pescador
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[*] posted on 2-23-2014 at 08:00 PM


When I pulled up the 1,000 deductible with 80/20 it was $1281 per month. That makes it look a little like Obamacare. That is so overpriced for the coverage it is almost laughable.



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[*] posted on 2-23-2014 at 08:21 PM


My agent in AZ is recommending a plan from VUMI, called the Special VIP plan. It is world wide coverage including in the US, but I believe you cannot reside in the US for more than six months, or you become ineligible. That's OK with us as we are in the States maybe three months out of the year.

http://www.vumigroup.com/portfolio/especial-vip/

5k deductible, coverage for me and the missus, runs 6400.00 US per year. 10k deductible is 5900.00/year. We've always been 5k deductible in our past plans, so we pay for a bit of stuff below that level. I am 60 and take blood pressure meds, the wife is 49 and has had a basal cell carcinoma treatment once in her life; she is a fair-skinned redhead.

He is also rather high on plans from Best Doctors but feels the VUMI plan is best for our pre-existing conditions. So, you might check out Best Doctors and VUMI. We have until April to decide.
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[*] posted on 2-24-2014 at 05:41 AM


Really, if you can find an agent who is knowledgeable about several companies, it's worth it. Unless you're trained in insurance, it can be difficult and time-consuming trying to search for policies on line. They also have a perspective on how well the insurance company pays claims and how organized their claims process is.
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Whale-ista
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[*] posted on 3-12-2014 at 09:44 AM


thanks to those who replied. Agreed it makes sense to check with a good agent about options.

I currently pay for my own plan in the US, and I am considering other options as I look at living at least part time in Baja.




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[*] posted on 3-12-2014 at 10:48 AM


and check with the agent re coverage...I once had a policy from a company, can't remember the name now, but was highly recommended. paid for a year, never used it. decided to sign up again a few years later. a health questionnaire was required. because I had had several breast biopsies, all benign, they would agree only to write the policy if it excluded any breast and/or gynecological problems. I passed. watch pre-existing conditions, even if they are not conditions!



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