International Travel Health Insurance – Peace of Mind Away From Home

International travel brings with it the opportunity to see the world’s great sights, learn about different cultures, and perhaps put foreign language skills to the test. Overseas journeys can be thrilling adventures, though unforeseen events have the ability to cause greater disruption and trauma than similar occurrences at home would. The decision to purchase international travel health insurance can provide great peace of mind which comes from the knowledge that any expenses arising from unexpected medical situations will be covered.

Travelers engaging in adventurous activities such as scuba diving, rafting and mountain climbing may be surprised to learn that the medical insurance policy that covers them under typical circumstances does not extend to injuries sustained while engaging in unusually high risk physical activities. When venturing to nations with nationalized health care, travelers should realize that free or low cost healthcare services typically are provided only to citizens and not to foreigners. Overseas medical services providers may refuse or be unable to negotiate with the traveler’s domestic insurance company, and therefore require prepayment for services rendered. Further, should a traveler be unable to secure sufficient treatment abroad, they may find it difficult to marshal the resources to pay for transport home. Even those domestic insurance policies providing “customary and reasonable” medical costs while traveling abroad may decline payment for medical evacuations out of the country, which can run into several thousands of dollars. Unforeseen circumstances such as these make international travel health insurance a most prudent purchase for frequent adventurers.

Aimed at compensating travelers for unanticipated medical and health related expenditures while away from home, international travel health insurance is offered in a variety of different forms, depending on the length, nature, and specific circumstances of the trip or trips involved. It is typically possible to purchase short term coverage simultaneously with the booking of a particular travel event, or alternatively, a more expansive, ongoing policy may be available. Policies are typically offered by travel insurance firms, travel agents themselves, cruise lines, excursion operators, and even conventional insurance companies.

International travel health insurance policies are often further categorized by the type of traveler to be covered. Students, business travelers, leisure vacationers, adventure seekers, cruise ship patrons are all types of travelers to which specific types of coverage may be tailored. Among the common situations covered by this type of insurance are general medical expenses, accidental death or injury benefits, and even overseas funeral costs. Emergency dental treatment is included in many policies. Pregnancy related medical expenses are often included in this type of coverage, as long as the travel is within the traveler’s first trimester. Additional insurance may be required to assure coverage for pregnancy expenses after the first trimester, expenses relating to preexisting conditions, participation in high risk activities or sports, and high risk destinations. Common exclusions for this type of insurance include some preexisting medical conditions and injuries and incidents related to drug or alcohol use.

A Health Savings Account Or HSA Medical Plan Offers Significant Tax, Premium, & Retirement Savings

Opening a Health Savings Account today in partnership with an HSA qualified health insurance policy is what anyone should wisely consider as a smart alternative to continue paying for a traditional health insurance plan. Medical Insurance is the newest form of an investment vehicle that offers any person or business tremendous financial & tax benefits. Once you see the picture, understanding HSA health savings plans is very easy. Please read on and take an opportunity to become informed right now.

Since first being signed into law in December 2003 by the Federal Government, Health Savings Account (s) (HSA medical insurance plans) are already a proven success & the number of people switching to HSAs from traditional health plans is growing greatly each year. HSAs are here to stay & a few million people have already come on board. Health Savings Account Plans are literally available today to any person over 18 in the United States. HSAs offer significant financial benefits including tax, premium, & retirement savings for you, your family, and/or your business. Knowledge is power when it comes to your finances!

A Health Savings Account enables you to:

1) Have access to a wide PPO network and in most cases provides the coverage to allow you to continue seeing your current doctors & specialists.

2) Lower your health insurance premium by 25% – 50%. to accomplish this, be sure to fully compare health insurance plans. One can typically save between 80 to 250 dollars per month when they change their plan over from a traditional health insurance plan to an HSA qualified high deductible health savings plan. Now make sure to forget any preconceived notions you may have about having a high deductible. Do not pay attention to what you may have heard. Don’t be deceived! Although you’ll now have high deductible insurance, there are safety nets that will be there to catch you if & when the need arises.

After your HSA is setup, the first step to take is to place money you save from having a lower monthly premium and place it into your new Health Savings Account each month. Realize that doing this really doesn’t cost you anything; you are simply transferring the money you have just saved into a new location.

3) Next, enjoy IRS created triple tax advantages (see the “a-b-c” listed below) that HSAs uniquely offer. Reduce your annual out-of-pocket income taxes up to $1800 or more. You’ll save EVERY year on taxes from here on out. Below are your three main tax-saving pillars.

a) HSA Contributions (deposits into your HSA account) are 100% tax free

b) The interest on all of your account investment gains are also 100% tax free. The choice of investments is yours and range anywhere from low-interest, virtually zero risk bank rates to the widest range of stocks, bonds, & mutual funds. The level of risk is entirely up to you and you can modify it anytime.

c) Make 100% tax-free withdrawals for any HSA Eligible Expenses.

While your funds grow tax free, you are now building a significant retirement account of up to several hundred thousand dollars. If you must use the money to cover any part of your deductible, you can make a tax free withdrawal and use the funds. These benefits & factors discussed above diminish the impact of having a high deductible plan. Furthermore, realistically there will often be periods of time where your money is solely growing because you have no medical expenses.

Here is another benefit. The Internal Revenue Service (IRS) rule says that at age 65 the money from your Health Savings Account can be withdrawn penalty-free for any reason, not only for qualified medical expenses. At that time you will pay only regular income taxes if you do not use the funds for medical expenses. The good thing however is that your income during retirement generally goes way down. Your tax rate will follow & you’ll be paying lower income taxes. Of course the funds may continue to be used entirely tax free for HSA eligible expenses.

Finally, take comfort as that the funds in your HSA-account are always yours without exception, and they rollover 100% from year to year. You are permitted to even do a one time rollover from an IRA into a Health Savings Account without any penalty, if you choose.

And yes … you may continue fully contributing to your IRA every year while still making the maximum allowed HSA contributions. Having both types of retirement accounts is the ultimate scenario, but if you can only contribute to one type… I would certainly recommend the Health Savings Account. This is because HSAs unlike IRAs are more than solely a retirement savings vehicle.

The straight truth is that many people are still rather unclear about HSA Health Savings Plans and what they truly accomplish. Too often, an individual or business’s insurance broker has not kept them properly up-to-date on all the benefits available to them. Remember that although every agent & broker is obligated by a legal fiduciary duty to serve his or her client’s best interest at all times, this duty is typically not policed or enforced by the Department of Insurance. It is not that the agents/brokers lack competency. But truly, what incentives do they really have to educate their clients on HSAs if doing so will lower their commissions? Not much of one. But who loses….YOU!

Last but not least, although the health insurance companies are legally obligated to offer HSA health savings plans in their product lines, they are not going out of their way to promote & publicize the full advantages of HSA plans. Doing so would also lower THEIR profits.

You are probably now realizing that as an insurance consumer, you really must take matters into your own hands and become accurately informed. Despite what you may have heard, HSAs are actually beneficial to anyone, not just the wealthy, or only people nearing retirement age. Regardless of income level, if you pay for health insurance, you owe it to yourself to consider and compare the benefits of an HSA health savings plan versus the more traditional health plan you are probably accustomed to. The expert advisers at HSA Health Savings are on a mission as millions of folks and their families are missing out on the tremendous financial benefits that are so readily attainable RIGHT NOW. We are thrilled because the benefits of health savings plans can literally transform the financial portfolio of people just like YOU.

Selecting the Best Pressure Washing and Power Washing Equipment for Car Washing and Auto Detailing

Car washing and auto detailing professionals seeking commercial grade pressure washing and power washing equipment must evaluate the various technologies on the market while critically examining features and components. Only then can they begin to select the best pressure washing machines for their particular applications. Many in the car washing and auto detailing industry often make a mistake by selecting low-priced, under-featured power washing equipment that will absolutely not last. Pressure washing equipment pricing is a consideration, but not at the risk of negatively impacting quality and performance.

Unfortunately, many feel pressure washing and power washing machines are similar, but that could not be further from the truth. Retail stores like Lowes and Home Depot offer a variety of pressure washing equipment, but the reality is the system components, motors, pumps and other parts are just not designed to for heavy-duty usage over time, especially when one considers car washing and auto detailing. Logic rules when the one compares the pricing of one of these light-duty power washing machines to commercial and industrial pressure washing systems selling for hundreds and even thousands of dollars more.

Commercial pressure washing machines are excellent for the car washing and auto detailing industry and sold in a variety of configurations and technologies. A car washing or auto detailing business can purchase a cold, hot, or even steam power washing machine powered by electric, propane, gasoline, and even diesel technology. The pressure washing machines’ psi and flow rate will also impact car washing and overall auto detailing performance and cleaning results. The best pressure washing and power washing equipment can last for more than twenty years.

Professional car washing and auto detailing work should involve hot water power washing equipment as the goal is to wash cars and vehicles more quickly and effectively. Cold pressure washing systems simply lack the higher temperatures that are so necessary to help clean the car surfaces more deeply and dissolve substances more quickly. Only higher temperature power washing machines are capably of delivering that kind of performance.

Certainly, auto detailing and car washing success is dependent upon the customer’s satisfaction with the cleaning job. Pressure washing and power washing cleaning chemicals are a critical aspect of any car washing and auto detailing business, but the type and safety of the chemicals is important as well. The EPA closely monitors the car washing and auto detailing industry to help ensure runoff is captured without pouring down storm drains. Car washing and auto detailing professionals must employ whatever systems are necessary to ensure regulations are met, or else the EPA will impose stiff fines.

Green cleaning chemicals and solutions have become the buzzwords in the car washing and auto detailing industry. Be very careful to carefully review and evaluate the green cleaning chemicals presented to you to help ensure they perform as well as the vendors claim for your car washing and auto detailing business. The car washing and auto detailing industry is laden with traditional cleaning chemicals as well as the more popular green cleaning chemicals, but many do not work well. Your task is to weed out the good from the bad before making a decision. Nano technology is the latest offering in green cleaning chemicals and will make a dramatic impact in the car washing and auto detailing industry.

Your car washing and auto detailing business may require the use of electricity rather than fossil fuels to power as well as heat a power washing machine. Many in the car washing business wish to use pressure washing equipment with a lower flow rate, especially if drainage is a consideration within their facility. Fortunately, all electric, hot, low flow, high pressure washing equipment is available on the market to meet your needs. Often these high-performance power washing machines require a minimum of 220 volts of power, so you may need an electrician to make the necessary changes within your facility.

Make an informed decision before purchasing pressure washing and power washing machines for your car washing and auto detailing business. Your customers’ satisfaction and the success of your operation depend upon it.