We are honored to announce that Corp America, a magazine reaching over 135,000 subscribers in the business landscape, has named Insurance Services of America as 2016 Insurer of the Year. The magazine’s directors have bestowed this award to just one insurance firm in each state. Corp America reviewed thousands of insurance firms, brokerages and companies, and of those located in Arizona, ISA has come out on top! Read More »
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 »
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 »
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 »
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!
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.
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 »
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.
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.
Summary regarding the need for travel insurance when you visit the USA. Your own health plan will likely not cover you if you suffer an accident or need routine medical treatment.
Things to Consider When Purchasing Travel Insurance for the USA
When traveling to the USA, it’s unlikely that your own medical insurance will cover you should you find yourself in a situation where you need to use it. To alleviate this concern, it’s wise to purchase a type of holiday travel insurance that will cover any unexpected illness. If you are immigrating to the United States, this insurance is even more important.
Medicare & Medicaid for Immigrants
In most situations, immigrants to the United States are not immediately eligible for state or federally funded insurance coverage. Some require you to already have a green card. Others mandate certain income, residency or citizenship requirements before you may be eligible. Depending on your unique situation, you may not be eligible for any program for quite some time. Travel insurance can help bridge the gap until you are eligible for other options.
Types of Insurance Available
Things you should consider when purchasing travel insurance include the type of coverage and where providers are located. It’s not helpful to purchase a plan that only covers catastrophic accidents or only has providers in major cities if that’s not where you plan to visit. You’ll also need to look at the dates of your coverage and whether or not you have the option to extend it, should that be necessary. Finally, the cost of coverage is important. You need something affordable that will provide the degree of coverage you need for both minor and major medical issues.
Cost of Travel Insurance
The cost of travel insurance will vary a great degree. Sometimes it will depend on the traveler’s age, the type of plan chosen and the plan coverage limit. The cost of this insurance may also include other accident issues such as if the airline loses your baggage or if you miss a connecting flight. Before signing up for a plan, make sure that you read the fine print and understand what the cost covers and what it does not.