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Planning a Long Trip? What Expatriates Need to Know Thumbnail

Planning a Long Trip? What Expatriates Need to Know

There has been a lot of talk—and even some action—in recent days about people wanting to move outside the US. Our tumultuous election cycle has inspired people from all walks of life and political leanings to at least consider the idea of emigration. For example, on election night, a high volume of visitors crashed Canada’s immigration website and New Zealand’s official immigration site saw over 56,000 visits in just 24 hours, compared to its usual 2,300 visits. Perhaps, for some, emigration is more than an impassioned threat.

If you’re seriously considering moving abroad, before you pack your bags or sign your resignation letter, we at Insurance Services of America suggest you consider your health insurance options once you leave American soil…

Many of our clients are volunteers and missionaries who live, for the majority of the year, outside of the US. In essence, they have been living an expat lifestyle while doing their philanthropic work. Though many are employed through US-based organizations, many are responsible for procuring their own health insurance coverage. But finding an insurance plan that also covers medical expenses for illnesses, injuries or wellness visits overseas and is also compliant with the Affordable Care Act (ACA) is impossible—such a plan simply doesn’t exist.

Whether you love or loathe the ACA, the fact is, this legislation did not take into account people like our clients—or expats—who work, live and need health care outside of the US.

So what are your options? Read More »

The BBB and You: An A+ Review! Thumbnail

The BBB and You: An A+ Review!

Yes, most of our insurance plans are A+ rated, but so are we…

Insurance Services of America is proud to be an A+ rated member of the Better Business Bureau (BBB).

We’ve been an accredited BBB business since 2005 and are humbled by over 160 positive client reviews—and zero negative reviews. We are flattered our clients have taken the time to praise our staff, products and, most importantly, our customer service: Read More »

A Solution to ObamaCare Rate Hikes? Do the Math with Us. Thumbnail

A Solution to ObamaCare Rate Hikes? Do the Math with Us.

November 1st marks the beginning of open enrollment for the Affordable Care Act (ACA) Marketplace. Millions of Americans without employer-sponsored health insurance will go online to find affordable individual and family coverage from a wide variety of insurance providers with various premium, deductible and co-insurance options. Or will they?

We’ve all seen the news; almost three years into the launch of the ACA, insurance providers have been dropping out of the ACA Marketplace left and right. Unable to turn a profit, many insurers have hiked premiums, reduced coverage and raised deductibles. For some, the solution seems to stop offering plans altogether.

So much for “affordable” healthcare. Read More »

Our Vote Goes To… Thumbnail

Our Vote Goes To…

It’s hard to know you’re making the best choice sometimes. Thankfully, unlike too many past elections, we at Insurance Services of America offer you great candidates to choose from—

When it comes to group travel medical insurance, we’ve nominated only the most qualified, vetted and intelligent of options. No scandals. No flip-flopping. Just honest insurance coverage backed by the world’s oldest and largest health insurance market, Lloyd’s of London, and highly rated by AM Best and Standard and Poor’s. So who are these stellar candidates? Meet them and cast your vote for the one you like best!

Read More »

Medical Evacuation from Haiti Thumbnail

Medical Evacuation from Haiti

Medical Evacuation from Haiti

Most of us are aware of the devastating Haiti earthquake of January 2010. Now, six years and several deadly storms later—including the most recent Hurricane Matthew—the country is still in desperate need of humanitarian, financial and rebuilding aid. But even prior to the earthquake, this impoverished island nation was a popular destination for the humanitarian and church organizations we at Insurance Services of America regularly insure.

One such organization, Bettendorf Christian Church in Iowa, sent a small group of women to Haiti on a mission trip. Not long after their arrival, the earthquake rocked the country and badly injured one of the church’s volunteers. Peggy Wilson suffered a punctured lung and broken ribs when an 8-foot wall fell on her.

Read More »

Buckle Up and Don’t Forget to Pack Your AD&D Insurance Thumbnail

Buckle Up and Don’t Forget to Pack Your AD&D Insurance

The United States’ Centers for Disease Control and Prevention (CDC) ranks deaths resulting from accidents as the fourth leading cause of death for US citizens. Accidents include everything from car accidents, to falls and drowning. But US citizens traveling or living abroad also experience devastating accidents—those that kill or maim—at rates that shouldn’t be ignored.

The US Department of State shows that, sadly, between June 2003 to June 2016, there were at least 10,883 reported deaths of US citizens due to non-natural causes overseas. Of those fatalities, 29.5% were the result of vehicular accidents; 22.3% from homicides and terrorist actions; 15.7% from other accidents including train and aircraft accidents, natural disasters as well as falls, mountain climbing accidents and rafting; and 14% from drowning and maritime accidents. Read More »

Our Client’s Heroic Navy SEAL Rescue Thumbnail

Our Client’s Heroic Navy SEAL Rescue

Dr. Dilip Joseph, a client of Insurance Services of America, realized his life’s dream to provide overseas humanitarian aid when he became the Medical Director at Morning Star Development. In 2012, the Colorado-based organization sent Dr. Joseph to remote, war-torn villages in Afghanistan on a humanitarian mission. The rewarding work was not, however, without its dangers…to say the least.

On a cold December morning in 2012, while traveling to Kabul, armed Taliban soldiers intercepted and kidnapped the doctor and two native colleagues. In his riveting account, Dr. Joseph shares the horror and ultimate triumph of his ordeal in his book Kidnapped By the Taliban: A Story of Terror, Hope, and Rescue by SEAL Team Six (available at Amazon.com).

The kidnapping and resulting hostage situation necessitated the deployment of special Navy SEAL Team Six, which only months before had successfully pulled off one of the most famous operations in US combat history: the capture and execution of Osama Bin Laden. The mission was dangerous, true, but Ed Byers, Senior Chief Special Warfare Operator (SEAL/FMF/SW), was prepared to fulfill his duty to rescue Dr. Joseph.

Read More »

Insurance Services of America Awarded Best of Gilbert 2016 Thumbnail

Insurance Services of America Awarded Best of Gilbert 2016

Insurance Services of America Receives 2016 Best of Gilbert Award

Gilbert Award Program Honors the Achievement

GILBERT June 9, 2016 — Insurance Services of America has been selected for the 2016 Best of Gilbert Award in the Business Services category by the Gilbert Award Program.

Each year, the Gilbert Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Gilbert area a great place to live, work and play.

Various sources of information were gathered and analyzed to choose the winners in each category. The 2016 Gilbert Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Gilbert Award Program and data provided by third parties.

About Gilbert Award Program

The Gilbert Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Gilbert area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

The Gilbert Award Program was established to recognize the best of local businesses in our community. Our organization works exclusively with local business owners, trade groups, professional associations and other business advertising and marketing groups. Our mission is to recognize the small business community’s contributions to the U.S. economy.

An Alternative to ObamaCare (ACA) Thumbnail

An Alternative to ObamaCare (ACA)

An Alternative to ObamaCare (ACA)

It’s safe to say that what happens in 2014 is incredibly unpredictable. The back end of the healthcare.gov site has insurers not getting good information. We are beginning to see a train wreck of administrative and service issues for people signing up through the public exchange because the data is incomplete or just plain wrong. Eligibility verification will fail. Claims will be denied. Networks on exchange plans are shrinking rapidly so access is flawed….. then on top of this there are security issues.

ObamaCare (ACA) needs 7M enrollees to make this thing work. 2.8M (40%) need to be young people. In January of 2014, only 24% that are signing up are young people. Part of the low turn out is because under this same law young people are allowed to stay in their parents plan to age 26 – so why sign up and pay a lot more premium? Also this younger segment is seeing the largest rate increases because of the laws ridiculous three tier age band structure. Young “invincibles” weren’t buying coverage before, why will they do it now at such a large expenditure? The exchanges are going to be in major trouble. If they don’t get the right blend of ages and risk, the high premiums will move much higher. What a mess. Read More »