Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Airmed duplicates insurance coverage

originally posted: 11/22/2006  reposted:

Q: We will be doing a home exchange with a family from France. Our permanent medical insurance plans only cover our first month outside of the USA. We are looking for limited coverage when our permanent coverage is no longer in force. Limited because we will return to the USA for any major medical emergency. For that purpose we have medical evacuation coverage with Airmed. To further reduce the cost of coverage we will consider a large deductible: $5000 or perhaps even larger. Please note that if hospitalized our coverage with Airmed will return us promptly to the United States where we have full coverage in place.

A: : All of the major brands or international travel medical insurance provide the features you request but it might help to point out a few additional details:

1. Since international medical insurance plans already include air ambulance and medical evacuation coverage, you do not need separate coverage from Airmed. The Airmed plan would seem to be a waste of money since you cannot receive payment from both sources in a coordinated policy like this.

2. International medical policies are priced and issued directly online. You can get prices of all of the options at Web sites like HCC product selection tool. All of the plans listed here are known to be top quality with high consumer satisfaction history. It takes only a few minutes to compare the choices and enroll for coverage. Insurance is issued on the same day.

3. After checking the prices, you might decide that a high deductible is not worthwhile. Since the premium rates for this type of supplemental coverage are already so low, the dollar amount of savings is insignificant compared to the potential risk of a higher deductible of thousands of dollars as you mentioned.

Duplicating benefits in a coordinated insurance policy does not increase coverage.

More resources: