What You Should Know About USI Insurance
USI Insurance Services (USD), a professional provider of long-term disability, health care and employee benefit management, has acquired the insurance company offered by Northwest Insurance Services, Inc. The combined company will be operated as USI Insurance Services – formerly known as UBS Reverea Blue Cross Blue Shield of Texas. USD will operate in the same way as the former company did. The goal is to bring together these two companies to help their customers in providing them with a long-term disability, health care and accident benefits that are designed specifically for USI customers. Below you can find some information about the acquisition.
USI Insurance Services, Incorporated is a leading provider of long term disability, accident and health insurance. Under its current management, the company had more than four hundred thousand individual plan members and plans in various locations throughout the United States and Canada. As a result of the acquisition, USI will have even more plan members to offer services to. Plans served by USI include disability income, long-term care, disability income protection, supplemental accident insurance, critical illness coverage, life insurance, vision insurance, disability income protection, long-term care, dental, life insurance, travel insurance, mortgage life insurance, and accident insurance.
One of the plans provided by USI is Disability Income Protection Insurance or DIP, which offers monthly benefits to individuals who are unable to earn income because of permanent or temporary disabilities. Permanent disabilities that last less than one year are subject to the low-premium DIP insurance plans. Temporary disabilities that last less than six months are also eligible for the low-premium DIP plans. Both types of disability are guaranteed by the National Association of Insurance Commissioners, which makes USI Insurance Services the third largest insurance carrier in the United States.
DIP plans can be structured to provide temporary or long-term disability. Temporary disabilities happen when you become ill or injured and can’t work. Similarly, long-term disabilities happen when you become seriously ill or injured. With long-term disability insurance, you have peace of mind knowing your investment won’t go to waste after you retire. With the DIP plan, however, you may have to wait until you’re independent to begin receiving benefits.
The Disability Tax Credit allows US citizens who are US citizens or nonresident alien to claim a tax credit equal to 50 percent of disability expenses paid or incurred. The credit is available for certain medical expenses related to disabilities. USI provides its clients with a detailed guide on how to file their taxes with the Disability Tax Credit. USI also provides online disability assistance and disability advice. In addition, USI provides tax lawyers who specialize in disability related issues and help.
Another way to get USI insurance is through state-funded Medicaid programs. Eligibility for these programs is based on family income and cost of living. Eligibility for Medicaid varies by state. For more detailed information on USI plans in your state, please visit the USI website and/or talk to a representative.
For those who do not have health insurance, there are supplemental means to meet the needs of the individual such as supplemental insurance plans. Supplemental health care insurance offers coverage for illnesses other than cancer, dental care, vision care, hearing loss, accident insurance and coverage for medications prescribed by doctors. Supplemental insurance plans for children are available from the USI. Supplemental health care insurance is considered an attractive USI plan because it offers a safety net for families. As compared to individual health insurance plans, supplemental insurance plans offer significant coverage at relatively low premiums. Some supplemental insurance plans also cover dental care.
The State of Utah also offers “individualized care” through prepaid medical care plans. These prepaid medical care plans are designed for people with high deductibles and low payouts. In other states, USI plans and other public or private health insurance plans may be available. However, these USI plans may not always cover medical emergencies, prescription drugs and vision care, dental care, emergency room visits, and some hospitalization services, except for those covered by an additional fee. Supplemental health care insurance is also available to qualified children, pregnant women, nursing mothers, and the disabled. Contact your state insurance department or Medicare office for more information.
The Different Kinds of Coverage Offered by USI Travel Insurance
USI Travel Insurance Select (TSI) is an independent insurer that provides travel insurance for the alumni of UVI. Plans include coverage for:
Trip Cancellation/Interruption Coverage: Trip cancellation and interruption coverage is important for anyone traveling to an UVI accredited country. Whether it is a business trip, a family vacation or a single vacation spot, it is important to have this type of insurance to protect against the possibility of a sudden emergency that leaves you stranded in a foreign country. Through USI Travel Insurance Select, members receive the peace of mind that medical evacuation and possible travel delays are covered by their insurance policy. In the case of a medical evacuation, this coverage includes timely evacuation assistance to a suitable destination upon request.
Trip Interruption coverage: An unexpected and drastic change in travel plans is not the only way a medical evacuation can occur. A sudden illness or accident can also leave you in the care of a foreign hospital with limited access to transportation. Having insurance that covers unexpected changes also allows members of the traveling party to be airlifted to a more appropriate facility. USI Travel Insurance Select insures members for unexpected and drastic events that affect travel plans.
Medical evacuation coverage: Medical evacuations happen when members of the traveling party are in need of urgent treatment either due to an accident or a pre-existing medical condition that requires attention. Having health insurance that covers medical evacuation provides peace of mind for members who may become ill or injured during transit. It also provides immediate coverage when members are airlifted to a medical facility outside of their home country. Having health insurance will also cover the cost of medically related evacuation costs if the illness or treatment requires extended travel time or if a country’s infrastructure cannot accommodate the medical needs of the family. USI Travel Insurance provides policyholders with the option of choosing between Pre-Termination (PT) and Post-Termination (PT&T) travel insurance policies.
The rates offered by the various travel insurance companies vary greatly according to their structure of benefits and the extent of coverage offered. Most of the companies offer a basic travel policy that offers coverage against single accident or emergency abroad. Some also offer a secondary coverage that comes in handy when members experience a medical emergency while traveling. Most policies provide coverage for loss of luggage, theft, delayed departure, and loss of personal belongings. However, it is advisable to confirm the terms and conditions of a policy before signing one.
Policies vary significantly according to coverage. There are some that cover the policyholders against a pre-existing medical condition while others offer guaranteed reimbursement upon cancellation of a travel package. The same is true for emergency evacuation policies, which allow policyholders to be flown to a destination of choice free of charge if they experience a medical emergency while away from home. Some companies also provide coverage for loss of personal items.
Medical Coverage: It is imperative for every traveler to have some kind of medical coverage in case something happens to them while away from home. Most USI Travel Insurance policies provide coverage against most common medical emergencies like flu and stomach disorders. However, there are policies that also cover dental emergencies and laser surgery, in case the policyholder has received any of these medical treatments within the past 12 months. Certain dental plans also provide coverage for braces or teeth extraction, and emergency travel supplements may even be covered under certain policies.
Lost Property: Some policies allow policyholders to be covered for lost property when travelling abroad. In most cases this is calculated on the total amount of cash and possessions insured. This amount will usually be $500 for each occurrence. However, the exact details will vary from company to company. Personal accident cover is also available from some USI Travel Insurance companies.
USI Affinity Travel Insurance Review
Why should you purchase USI Affinity Travel Insurance. Whether you are traveling for business, pleasure, family trips, group visits or just for any other purpose, USI Affinity Travel Insurance Services will have you protected when you go away from home. Since 1973, we have been working closely with travelers of all types to help insure trips far and wide. Now that you are planning a trip, here are some things you should know about this wonderful company.
Do you know that USI Affinity Travel Insurance offers different types of coverage? You need travel cover to make sure that your trip will be covered no matter what. There are many different plans you can choose from and one of those is called the Single Trip Plan. It offers a single coverage for you and up to five family members. If you do not have much coverage through other plans then this might be your plan for the trip.
Another thing you should know about this insurance company is that it offers trip cancellation insurance as well. This type of insurance is usually offered together with the Single Trip plan. If you are traveling somewhere and if you experience a sudden or unforeseen emergency or illness, then you are eligible to get this plan. Trip cancellation is very important for those who like to take trips out of state or out of the country. This will give you the coverage you need so that you can rest easy whenever your trip comes to an end.
The best travel insurance companies usually offer some discounts for frequent travelers. If you have been taking these trips quite often then you should definitely check out USI Affinity travel insurance. They will give you a discount for being a frequent traveler. If you are just planning to visit another state then you can opt for Single Trip or Multi Trip coverage.
The company also offers a special policy for sports equipment rental. A lot of travelers sometimes have trouble renting sports equipment because they do not have an affinity. When you rent sports equipment it can get quite expensive. But the good thing is that with the USI Affinity elite plan you can get discounted rates for sports equipment rental. You will only have to pay a few dollars per month instead of paying full price for each rental. This is ideal for those who want to save money when they are on their trips.
The company also has several plans that you can choose from and one of them is the Personal Option. This plan is designed specifically for individuals who are on their first trip without a family. With the Personal Option you will get a discount for having an extended stay. This means that you will be able to get a free quote from USI Affinity travel insurance without having to look for a separate insurance plan for medical coverage.
Another plan offered by USI Affinity is the Basic Plan which is meant for travelers that are traveling on a basic budget. The basic plan is perfect for people who do not need to worry about pre-existing medical conditions and do not own much of anything in their luggage. The plan will also allow travelers to get away with low premiums for their medical needs like prescription drugs. If you are on a vacation with your family and you need prescription drugs for your kids you will have no problem getting coverage under the basic plan.
These are the benefits that you can get from using the USI Affinity website. All you have to do is provide your contact information and they will give you a free quote for the coverage that you need. After you receive the quotes you can compare them and choose the one that fits your needs the best. You will also be able to make a comparison for the different coverage plans so you know which ones will offer you the most for your money. USI Insurance