{"id":7229,"date":"2017-06-22T08:00:48","date_gmt":"2017-06-22T15:00:48","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=7229"},"modified":"2017-06-01T14:07:11","modified_gmt":"2017-06-01T21:07:11","slug":"financial-tip-june-2017","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/","title":{"rendered":"Financial Tip june 2017"},"content":{"rendered":"<p>[et_pb_section admin_label=&#8221;Section&#8221; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221;][et_pb_fullwidth_header admin_label=&#8221;Fullwidth Header&#8221; title=&#8221;Financial Tip&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; header_fullscreen=&#8221;off&#8221; header_scroll_down=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;off&#8221; content_orientation=&#8221;center&#8221; image_orientation=&#8221;center&#8221; custom_button_one=&#8221;off&#8221; button_one_letter_spacing=&#8221;0&#8243; button_one_use_icon=&#8221;default&#8221; button_one_icon_placement=&#8221;right&#8221; button_one_on_hover=&#8221;on&#8221; button_one_letter_spacing_hover=&#8221;0&#8243; custom_button_two=&#8221;off&#8221; button_two_letter_spacing=&#8221;0&#8243; button_two_use_icon=&#8221;default&#8221; button_two_icon_placement=&#8221;right&#8221; button_two_on_hover=&#8221;on&#8221; button_two_letter_spacing_hover=&#8221;0&#8243; subhead=&#8221;June 2017&#8243;] [\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section admin_label=&#8221;section&#8221;][et_pb_row admin_label=&#8221;row&#8221;][et_pb_column type=&#8221;4_4&#8243;][et_pb_text admin_label=&#8221;Text&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; saved_tabs=&#8221;all&#8221;]<\/p>\n<p><strong><em>Financial Tip of the Month<\/em><\/strong><\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>By David Edge<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p><strong>International Travel &amp; Medical Coverage?<\/strong><\/p>\n<p>When folks are traveling outside of the country, and they have Medicare as their health insurance coverage, they don\u2019t seem to realize that Medicare will not pay for any health services outside of the U.S.A.<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>If you have a Medigap or Medicare Supplement plan C, D, F, G, M, or N, these plans include an 80% reimbursement up to $50,000 lifetime. Keep in mind that the medical services received in a foreign country must be an emergency and they will not reimburse the medical service or procedure unless it is for a medical service that is also normally covered in the U.S.A.<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>What\u2019s the alternative? You can shop over 50 companies that sell international medical coverage. At American Retirement Advisors, we have access to shop for all plans on the open market and compare exactly what coverage you want, and the amount of coverage you want, for the specified time period of travel!<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>Things to consider that you might want covered can be extensive. Emergency medical, flight for life back to the U.S.A. including family members, routine medical, lost luggage, rental car, emergency travel home in the event of civil disturbance in the country you are visiting, adult and\/or children coverage, and many more financial coverage issues. The policy can even include trip cancellation coverage in the event you or the family member you are traveling with gets sick at the last minute and you have to cancel the trip.<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>I recently took a two-week trip to visit several Pacific Rim countries and took my wife and adult daughter with me. We had<br \/>\ntotal coverage up to $1 million dollars for only a $400 policy fee.<br \/>\nWhen I was shopping for policy coverage, I found some companies that wanted to charge as much as two thousand dollars for the exact same coverage\u2026 so it pays to shop!<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>Now, we don\u2019t want everyone to panic over their medical travel insurance, as in most cases if you\u2019re only going to Canada, Mexico, or on a cruise in the Caribbean for a week, most likely there is travel and\/or medical insurance that can be included in the purchase price of your trip for a small additional fee. In an extreme emergency case, since you are still close to the U.S.A., you can just board a plane and be home in a few hours if need be. So, in this short trip scenario, it\u2019s a judgement call on whether you\u00a0need additional medical coverage or not.<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>Extensive trips out of the U.S. of two weeks to several months are when you definitely need to consider additional international medical and travel coverage. So next time you are planning that once-in-a-lifetime vacation, don\u2019t forget to review your options!<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p>You may also find that the use of a premium credit card<br \/>\nfulfills the needs you are looking for.<\/p>\n<p>[spacer height=&#8221;02px&#8221;]<\/p>\n<p><strong><em><u>Need more help? Or would you like us to do some pricing research for you? Just call!<\/u><\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][et_pb_image admin_label=&#8221;Image&#8221; src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2017\/06\/Financial-tip-June-2017.png&#8221; show_in_lightbox=&#8221;off&#8221; url_new_window=&#8221;off&#8221; use_overlay=&#8221;off&#8221; animation=&#8221;left&#8221; sticky=&#8221;off&#8221; align=&#8221;left&#8221; max_width=&#8221;250px&#8221; force_fullwidth=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;] [\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial Tip of the Month [spacer height=&#8221;02px&#8221;] By David Edge [spacer height=&#8221;02px&#8221;] International Travel &amp; Medical Coverage? When folks are traveling outside of the country, and they have Medicare as their health insurance coverage, they don\u2019t seem to realize that Medicare will not pay for any health services outside of the U.S.A. [spacer height=&#8221;02px&#8221;] If [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7230,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Schaeffer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/\"},\"author\":{\"name\":\"David Schaeffer\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\"},\"headline\":\"Financial Tip june 2017\",\"datePublished\":\"2017-06-22T15:00:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/\"},\"wordCount\":765,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2017\/06\/Financial-tip-June-2017.png\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/\",\"name\":\"American Retirement Advisors 800-568-1095 Expert Advice\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/financial-tip-june-2017\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2017\/06\/Financial-tip-June-2017.png\",\"datePublished\":\"2017-06-22T15:00:48+00:00\",\"description\":\"American Retirement Advisors, David P. 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