RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Are You Prepared for Emergencies while Traveling?

July 21, 2015 1:15 am

Does your health insurance cover incidents while traveling abroad? Depending on your domestic healthcare provider, specific plan and area of travel, medical coverage can vary widely. According to the InsureMyTrip.com, travelers should be familiar with any limitations on domestic health insurance policies while out of the country.

In most cases, InsureMyTrip says, there are gaps in coverage. The U.S. State department estimates very few domestic heath insurance companies will pay for a medical evacuation back to the United States, which can easily cost up to $100,000 or more, depending on the condition and location of the patient. Unless an individual has a supplemental plan (like Medicare Advantage or Medigap, Medicare does not cover travelers outside of the U.S.

Travel insurance can act as supplemental or primary coverage for emergency medical care (when a traveler requires a doctor or hospital visit while traveling abroad), emergency evacuation (when a traveler requires transportation to another medical facility, or back home for further care), and 24/7 emergency assistance (when a traveler needs help with a medical or safety-related issue, needs to find a doctor or hospital, or requires translation services).

Some travel insurance policies also cover pre-existing medical conditions. Most travel insurance providers offer two types of plans:

1. Comprehensive Travel Insurance
– Offers the most protection for travelers. Provides a variety of benefits, including trip cancellation, trip interruption, emergency medical evacuation or coverage, 24/7 emergency assistance and baggage protection.

Example: For a $5,000 two-week vacation to Aruba, a comprehensive travel insurance plan will cost a couple in their fifties around $200. This includes a $50,000 medical limit and $250,000 for medical evacuation.

2. Travel Medical Insurance
--- Provides emergency medical coverage, 24/7 emergency assistance and emergency medical evacuation coverage. Trip cancellation is typically not included.

Example: For the same trip to Aruba, a travel medical insurance plan will cost a couple in their fifties around $80. This includes a $50,000 medical limit with a $250 deductible and $500,000 medical evacuation.


Both comprehensive and travel medical insurance plans are a valued supplement while traveling overseas, offsetting possible coverage gaps in some domestic health insurance plans.

Source: InsureMyTrip

Published with permission from RISMedia.


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Study: Monthly Utilities Average Less Than $150

July 21, 2015 1:15 am

Despite an unchanged average monthly bill, more individuals expressed price satisfaction with their utility companies in a recent J.D. Power study, potentially reflective of an increase in confidence related to household income. Another contributing factor, the study found, may be less exposure to information regarding rate increases.

According to the study, the average monthly utility bill comes in at $132 per month.

Utility companies have stepped up service efforts as of late, primarily in power outage situations. Study participants cited an increase in proactive communication, including the cause of the outage, the number of customers impacted and more accurate restoration estimates, on the part of their respective utility providers.

Source: J.D. Power

Published with permission from RISMedia.


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