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Worldwide crew health Insurance
As a professional marine crew member being able to find adequate Health coverage can be a challenge. The unique demands of the nomadic lifestyle can often prevent the crew from getting the comprehensive plan needed and deserved.
Recreational Management Group offers both individual and group annually renewable, Worldwide Health coverage for international professional marine captains and crew of all nationalities. This coverage would alleviate liability and the possibility of a rate increase to the vessel’s P&I coverage, which in turn means lower costs to the owner.
Call us regarding yacht crew and Health insurance inquiries.
We are proud to offer worldwide coverage for professional marine crew members. For many years, professional marine crew members have been unable to obtain adequate major medical insurance coverage. While comprehensive benefits are available to those ashore, crew members lack customized coverage essential to fit their numerous challenges. Despite this imbalance, insurance carriers have been reluctant to address the special needs arising from international operations and the nomadic lifestyle of crew members.
Our vast knowledge in administering specialized medical plans for international employees has permitted us to overcome the typical obstacles. By utilizing streamlined, high-tech communications and processing procedures we address the common issues of no fixed address, uncertain travel schedules, and international locales. Worldwide crew Health Insurance is designed for leaders in the marine industry.
RMG crew health insurance is annually renewable and coverage is continuous when renewed. Prior to the end of each period of insurance(12months), you will receive a renewal form.
Your renewal can be processed via fax, mail, phone or e-mail. You must continue to meet the eligibility requirements outlined above in order to renew.
Understanding your health care options and knowing what supplemental benefits you need.
Many employers offer robust benefits to their employees, such as health insurance. When signing up for insurance with an employer, knowing what benefits you need, such as life insurance or supplemental health insurance, in addition to a major medical policy can be confusing.
Ask yourself the following ten questions before making any decisions about your employer’s benefits:
1. What’s your share of medical costs under your health insurance? With insurance deductibles and co-pays on the rise, an important part of financial planning is understanding what you would have to pay in the event of a costly medical event.
2. Would your savings be able to cover out-of-pocket costs? An out-of-pocket medical expense policy designed to complement your employer’s health insurance can provide a great way to pay some expenses your medical insurance wouldn’t cover.
3. Do you want to use your savings for those costs? Even if you have money saved for out-of-pocket expenses, often the costs of insurance can be far less than what you would pay in a medical emergency. And wouldn’t you rather use your savings for that retirement RV trip or the vacation you’d planned for next year?
4. How would you make up for lost income if you became disabled? If you can’t work due to certain illnesses or injuries, short-term disability replaces a portion of your income for specified time periods, helping you make that rent or car payment that keeps you in the home where you’ve planted all those flowers and the car with the number of seats you need to get everyone to softball practice.
5. How’s your current health? If you’ve had problems with your health in the past, you could be predisposed to other problems and recurrences of similar issues. Health-related voluntary benefits, like hospital indemnity or critical illness insurance, can help protect your finances if that happens. A prescription drug discount card can help save you money.
6. What are your health habits? It’s not fun thinking about health risk factors like smoking, poor dieting or preferring not to exercise. Whether or not you’re ready to make changes today, if you know you might be more likely to need medical treatment based on your habits, it makes sense to get a policy, like a hospital indemnity insurance, that pays benefits for hospital stays.
7. Do you need visual aids or routine dental care? Vision and dental insurance can be a great deal that makes getting your new Ray-Ban glasses or teeth cleanings a snap. Consider what you’d spend without the policy and balance it against the price of your premiums.
8. How old are you? This question isn’t just to gauge your likelihood of developing an age-related disease but can affect the costs of your premiums. Some types of insurance are more competitively priced at a younger age. Take a look at your employers’ rates—they may be lower than you think. If you’re older and know your risks are higher, insurance could be a bargain compared to what you’d pay if you end up needing it but don’t have it.
9. What’s your family medical history? Take a look at how many family members could have used a cancer policy, or does your family have a high rate for having heart attacks. This might help your decisions if you’ve inherited certain family illnesses.
10. Do you have enough life insurance? It’s no fun thinking about what your family would do without you. Get peace of mind for the unthinkable
Asking these questions can give you a clearer picture of your insurance needs so you can select the necessary policies to help protect yourself from life’s curveballs.
When shopping for supplemental insurance, experts recommend getting multiple cost estimates and asking coverage questions will help you to better understand what it is your buying.
There are many supplemental companies that offer accident, hospital, short-term disability, and cancer. You want to pick the right company and the right agent that understands your needs.
“It’s a good rule of thumb to shop around and look around because not everything is the same. Consumers need to read the fine print before choosing a carrier.
Simplifying Crew Health Insurance
The market for crew health insurance has grown considerably over the past few years. The result is a marketplace so brimming with options that crew can become confused about what kind of health insurance is the best for them. Help is here. Below are custom solutions designed to make it easy for crew.
Your Situation: I am not a U.S. citizen or resident, but I visit the U.S. on a regular basis.
Best Solution: Own an international insurance plan that includes Worldwide coverage.
Good Solution: Own an international insurance plan that covers you everywhere except the U.S. andsupplement it with a travel insurance plan when visiting the U.S.
Dangerous Solution: Relying upon your home country's social system or not having any coverage.
Your Situation: I am a U.S. citizen or resident who lives or works outside the U.S. for more than six months per year.
Best Solution: Own an international insurance plan that includes Worldwide coverage.
Good Solution: (Costly) Own a state-regulated insurance plan that covers you worldwide with no limit on how much time you spend outside theU.S..
Dangerous Solution: Own a state-regulated plan that does not cover you outside theU.S..
Your Situation: I am not a U.S. citizen or resident. I visit many countries, but not the U.S.
Best Solution: Own an international insurance plan that includes coverage for everywhere except the U.S.
Good Solution: Own an international insurance plan that provides Worldwide coverage.
Dangerous Solution: Do not own an insurance plan, or rely upon your home country's social plan.
Note: If you frequent the Bahamas and Caribbean, the Good Solution becomes the Best Solution.
Your Situation: I am a U.S. citizen or permanent resident who lives in the U.S. for more than six months per year and I work on a yacht that occasionally leaves the U.S.
Best Solution: Own a state-regulated plan that covers you in the U.S. and abroad.
Good Solution: Own a state-regulated plan that covers you in the U.S. and purchase travel insurance each time you go abroad.
Fraudulent Solution: Convincing your insurance agent that you are a true international citizen so you can qualify for an international plan.
A crew health insurance expert should recommend the best solution in all cases. At that point, a crewmember should discuss which plan fits both their situation and their personal preferences. This is where a willingness to ask questions and trust in the expert's guidance can turn what may have appeared to be confusing into a clear and easy solution.
International travelers who engage in adventure sports
You have enough to worry about when you're traveling. Don't let your medical coverage for sports activities be an uncertainty. RMG offers two Patriot Adventure plans that offer a package of complete benefits available 24 hours a day. Patriot Adventure InternationalSM provides coverage for U.S. citizens traveling outside the U.S., while Patriot Adventure AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of 30 days up to a maximum of six months.
Additionally, the plans offer excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You also have access to more than 17,000 providers when seeking treatment outside the U.S. using our International Provider AccessSM (IPA). You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.
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