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New Post has been published here https://is.gd/gqqB25
Crypto Tax Bill Clears First Hurdle in New Hampshire Legislature
This post was originally published here
A proposed law in New Hampshire that would allow residents to pay their taxes with cryptocurrency is seeing some early traction.
House Bill 470, which would allow state-level agencies (including New Hampshire’s tax office) to accept cryptocurrencies for payment if approved, cleared its first minor hurdle last week after being passed unanimously by a subcommittee on the House Executive Departments and Administration Committee, with amendments.
The subcommittee – composed of Reps. Mark Proulx, Jaci Grote, Carol McGuire and Samantha Fox – voted to add some protections for the state as an amendment, ensuring that if a transaction fails or is sent to the wrong address, New Hampshire can still collect on the appropriate taxes.
That being said, the amendment is more technical than substantial, McGuire said, explaining:
“It’s just being more specific about how we do it … it doesn’t change the intent of [the bill] at all.”
The text of the formal amendments was not available at press time. There will be another subcommittee work session on Feb. 13, according to Legiscan.
If the bill is approved by the House and Senate, and signed by Governor Christopher Sununu, it would direct the state treasurer to determine how it may accept cryptocurrencies for tax payments by November 2019. Actual acceptance of cryptocurrencies would then commence in July 2020.
State agencies would have to partner with a to-be-determined third-party processor to convert funds into fiat, similarly to how Ohio currently processes its own crypto tax payments.
New Hampshire sign image via Mark Van Scyoc / Shutterstock
#crypto #cryptocurrency #btc #xrp #litecoin #altcoin #money #currency #finance #news #alts #hodl #coindesk #cointelegraph #dollar #bitcoin View the website
New Post has been published here https://is.gd/gqqB25
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Alerta a turistas: los planes de salud para viajeros podrían no cubrir pandemias
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Era evidente que la fiebre, las náuseas y la falta de apetito que Vlastimil Gajdoš sintió el día de su boda no eran por miedo a casarse.
Gajdoš, de 65 años, se enfermó en Honolulu, Hawaii, en marzo, después de llegar con su novia desde la República Checa. Gajdoš y Sylva Di Sandro, de 58 años, tenían la intención de casarse y pasar la luna de miel en la isla.
Forma parte del grupo de Facebook de Kaiser Health News en español “KHN-Hablemos de Salud”.
KHN-Hablemos de Salud
Llegaron a casarse, pero, a la misma vez, comenzaron una inesperada batalla contra el nuevo coronavirus. El novio estuvo internado por dos semanas, parte de los días en terapia intensiva, conectado a un ventilador. Como muchos turistas conscientes de que la atención médica en los Estados Unidos es más cara que en casa, Gajdoš compró un plan de salud para viajeros que cubría hasta $300,000 en gastos médicos.
Pero después que a Gajdoš le diagnosticaron COVID-19 y su esposa llamó para verificar la cobertura, los recién casados descubrieron una trampa: la aseguradora dijo que no pagaría por adelantado. Y que consideraría reembolsar el gasto sólo después que Gajdoš fuera dado de alta del hospital.
“Tenía mucho miedo de que los médicos no lo ayudaran si no estaban seguros de la cobertura”, dijo Di Sandro, quien tuvo un caso leve de COVID y no tuvo que ser hospitalizada.
La pandemia de coronavirus ha causado estragos en la industria del turismo, incluidas las compañías de seguros.
Incluso más allá de la crisis actual, los viajeros deben prestar especial atención a la letra chica de estas coberturas.
Muchos planes ofrecen cobertura de atención médica en caso que la persona necesite atención durante un viaje. Pero éstos varían enormemente según la compañía, ya que contienen límites en los pagos, copagos y las circunstancias que rodean a la necesidad médica, por ejemplo, si cubren o no atención en caso de evacuación.
La mayoría de los planes de salud para viajeros excluyen eventos conocidos o “previstos”, dijo Kasara Barto, vocera de Squaremouth, un servicio en línea que permite a los viajeros comparar opciones de seguros.
En algunas situaciones, un viajero puede anticipar el riesgo dependiendo de su destino. Por ejemplo, una póliza regular podría no cubrir un accidente de alpinismo mientras se está escalando el monte Everest.
También es común la exclusión pandémica, en la cual la aseguradora no pagará los gastos médicos de un viajero si están relacionados con un brote como el de coronavirus.
El lenguaje sobre las exclusiones puede ser vago, lo que podría dificultar que los viajeros descifren si su plan pagará la atención relacionada con COVID-19, dijeron expertos de la industria. En principio, algunos planes no mencionan específicamente una pandemia como una circunstancia que esté cubierta o excluida, o el tiempo de cobertura de una pandemia.
La Organización Mundial de la Salud (OMS) declaró la propagación del coronavirus como un brote mundial el 11 de marzo. Los viajeros que compraron pasajes después de esa fecha deben confirmar que tienen cobertura médica para COVID-19, dijo Christopher Mosley, abogado especializado en seguros en Sherman & Howard.
Sin embargo, esos tiempos podrían ser distintos en ciertos planes. Algunas aseguradoras consideran que COVID-19 era un riesgo en ciertas áreas ya en enero, agregó Mosley.
“No hay una cobertura única”, dijo Mark Friedlander, director de comunicaciones corporativas del Insurance Information Institute, una organización de investigación respaldada por la industria de seguros.
Tal vez el riesgo sea más alto para los extranjeros que visitan los Estados Unidos, que tiene los costos de atención médica más altos del mundo desarrollado. Muchos de los sistemas nacionales de salud en los países europeos tratarán a los extranjeros sin costo o por tarifas mucho más bajas.
En los Estados Unidos, las embajadas están interviniendo para ayudar a sus ciudadanos a descifrar estos planes médicos. En un aviso, la embajada de Eslovenia en Washington, DC, aconseja específicamente a sus ciudadanos que llegan al país que verifiquen si sus seguros cubren pandemias.
Funcionarios de la embajada de España también dijeron que el seguro es un tema que ha surgido en conversaciones.
La República Checa intervino en el caso de Gajdoš y en el de otro ciudadano checo que también tuvo problemas con su plan de salud, dijo Zdeněk Beránek, director de la misión de la embajada checa en Washington, DC.
“Este no es el país más barato del mundo en lo que respecta a la atención de salud”, dijo Beránek, “así que es mejor tener cuidado”.
Dado el caos de la pandemia, algunas aseguradoras están optando por dejar de vender pólizas de salud para viajeros por completo, incluida LV, una compañía con sede en el Reino Unido.
Pero otros, como Allianz, están ampliando los beneficios para incluir la atención de COVID-19. La compañía informó que aceptará algunas cancelaciones de viaje y reclamos médicos relacionados con el virus que generalmente no están cubiertos en sus planes, según un comunicado de prensa.
“Este es un territorio desconocido para todas las compañías de seguros en este mercado”, dijo Don Van Scyoc, vicepresidente de ventas individuales de la aseguradora de viajes GeoBlue. La compañía vende planes para estadounidenses que viajan al extranjero y para extranjeros que están lejos de sus países de origen por largos períodos. Sus planes cubren la atención de COVID-19, dijo.
Gajdoš y Di Sandro pidieron ayuda a la embajada y al empleador de Gajdoš después que su aseguradora de viajes le negara la cobertura. El empleador se comprometió a ayudarlo si su plan no cubría su estadía en el hospital, dijo, pero la intervención del gobierno funcionó.
La aseguradora finalmente acordó cubrir los gastos de Gajdoš.
El matrimonio no reveló la factura final, pero un tratamiento típico de 10 días en una unidad de terapia intensiva puede costar varios cientos de miles de dólares.
Gajdoš recibió el alta del Queen’s Medical Center el 8 de abril, agradecido por la atención. Dijo que las acciones de su aseguradora lo tomaron por sorpresa. Intencionalmente había comprado un plan más caro con la expectativa de que recibiría ayuda, no que se negarían a cubrir su atención.
“No tienes la energía para pelear”, dijo Gajdoš. “Estás enfocado en luchar por tu vida”.
Alerta a turistas: los planes de salud para viajeros podrían no cubrir pandemias published first on https://nootropicspowdersupplier.tumblr.com/
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Alerta a turistas: los planes de salud para viajeros podrían no cubrir pandemias
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Este contenido puede usarse de manera gratuita (detalles).
Era evidente que la fiebre, las náuseas y la falta de apetito que Vlastimil Gajdoš sintió el día de su boda no eran por miedo a casarse.
Gajdoš, de 65 años, se enfermó en Honolulu, Hawaii, en marzo, después de llegar con su novia desde la República Checa. Gajdoš y Sylva Di Sandro, de 58 años, tenían la intención de casarse y pasar la luna de miel en la isla.
Forma parte del grupo de Facebook de Kaiser Health News en español “KHN-Hablemos de Salud”.
KHN-Hablemos de Salud
Llegaron a casarse, pero, a la misma vez, comenzaron una inesperada batalla contra el nuevo coronavirus. El novio estuvo internado por dos semanas, parte de los días en terapia intensiva, conectado a un ventilador. Como muchos turistas conscientes de que la atención médica en los Estados Unidos es más cara que en casa, Gajdoš compró un plan de salud para viajeros que cubría hasta $300,000 en gastos médicos.
Pero después que a Gajdoš le diagnosticaron COVID-19 y su esposa llamó para verificar la cobertura, los recién casados descubrieron una trampa: la aseguradora dijo que no pagaría por adelantado. Y que consideraría reembolsar el gasto sólo después que Gajdoš fuera dado de alta del hospital.
“Tenía mucho miedo de que los médicos no lo ayudaran si no estaban seguros de la cobertura”, dijo Di Sandro, quien tuvo un caso leve de COVID y no tuvo que ser hospitalizada.
La pandemia de coronavirus ha causado estragos en la industria del turismo, incluidas las compañías de seguros.
Incluso más allá de la crisis actual, los viajeros deben prestar especial atención a la letra chica de estas coberturas.
Muchos planes ofrecen cobertura de atención médica en caso que la persona necesite atención durante un viaje. Pero éstos varían enormemente según la compañía, ya que contienen límites en los pagos, copagos y las circunstancias que rodean a la necesidad médica, por ejemplo, si cubren o no atención en caso de evacuación.
La mayoría de los planes de salud para viajeros excluyen eventos conocidos o “previstos”, dijo Kasara Barto, vocera de Squaremouth, un servicio en línea que permite a los viajeros comparar opciones de seguros.
En algunas situaciones, un viajero puede anticipar el riesgo dependiendo de su destino. Por ejemplo, una póliza regular podría no cubrir un accidente de alpinismo mientras se está escalando el monte Everest.
También es común la exclusión pandémica, en la cual la aseguradora no pagará los gastos médicos de un viajero si están relacionados con un brote como el de coronavirus.
El lenguaje sobre las exclusiones puede ser vago, lo que podría dificultar que los viajeros descifren si su plan pagará la atención relacionada con COVID-19, dijeron expertos de la industria. En principio, algunos planes no mencionan específicamente una pandemia como una circunstancia que esté cubierta o excluida, o el tiempo de cobertura de una pandemia.
La Organización Mundial de la Salud (OMS) declaró la propagación del coronavirus como un brote mundial el 11 de marzo. Los viajeros que compraron pasajes después de esa fecha deben confirmar que tienen cobertura médica para COVID-19, dijo Christopher Mosley, abogado especializado en seguros en Sherman & Howard.
Sin embargo, esos tiempos podrían ser distintos en ciertos planes. Algunas aseguradoras consideran que COVID-19 era un riesgo en ciertas áreas ya en enero, agregó Mosley.
“No hay una cobertura única”, dijo Mark Friedlander, director de comunicaciones corporativas del Insurance Information Institute, una organización de investigación respaldada por la industria de seguros.
Tal vez el riesgo sea más alto para los extranjeros que visitan los Estados Unidos, que tiene los costos de atención médica más altos del mundo desarrollado. Muchos de los sistemas nacionales de salud en los países europeos tratarán a los extranjeros sin costo o por tarifas mucho más bajas.
En los Estados Unidos, las embajadas están interviniendo para ayudar a sus ciudadanos a descifrar estos planes médicos. En un aviso, la embajada de Eslovenia en Washington, DC, aconseja específicamente a sus ciudadanos que llegan al país que verifiquen si sus seguros cubren pandemias.
Funcionarios de la embajada de España también dijeron que el seguro es un tema que ha surgido en conversaciones.
La República Checa intervino en el caso de Gajdoš y en el de otro ciudadano checo que también tuvo problemas con su plan de salud, dijo Zdeněk Beránek, director de la misión de la embajada checa en Washington, DC.
“Este no es el país más barato del mundo en lo que respecta a la atención de salud”, dijo Beránek, “así que es mejor tener cuidado”.
Dado el caos de la pandemia, algunas aseguradoras están optando por dejar de vender pólizas de salud para viajeros por completo, incluida LV, una compañía con sede en el Reino Unido.
Pero otros, como Allianz, están ampliando los beneficios para incluir la atención de COVID-19. La compañía informó que aceptará algunas cancelaciones de viaje y reclamos médicos relacionados con el virus que generalmente no están cubiertos en sus planes, según un comunicado de prensa.
“Este es un territorio desconocido para todas las compañías de seguros en este mercado”, dijo Don Van Scyoc, vicepresidente de ventas individuales de la aseguradora de viajes GeoBlue. La compañía vende planes para estadounidenses que viajan al extranjero y para extranjeros que están lejos de sus países de origen por largos períodos. Sus planes cubren la atención de COVID-19, dijo.
Gajdoš y Di Sandro pidieron ayuda a la embajada y al empleador de Gajdoš después que su aseguradora de viajes le negara la cobertura. El empleador se comprometió a ayudarlo si su plan no cubría su estadía en el hospital, dijo, pero la intervención del gobierno funcionó.
La aseguradora finalmente acordó cubrir los gastos de Gajdoš.
El matrimonio no reveló la factura final, pero un tratamiento típico de 10 días en una unidad de terapia intensiva puede costar varios cientos de miles de dólares.
Gajdoš recibió el alta del Queen’s Medical Center el 8 de abril, agradecido por la atención. Dijo que las acciones de su aseguradora lo tomaron por sorpresa. Intencionalmente había comprado un plan más caro con la expectativa de que recibiría ayuda, no que se negarían a cubrir su atención.
“No tienes la energía para pelear”, dijo Gajdoš. “Estás enfocado en luchar por tu vida”.
from Updates By Dina https://khn.org/news/alerta-a-turistas-los-planes-de-salud-para-viajeros-podrian-no-cubrir-pandemias/
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Alerta a turistas: los planes de salud para viajeros podrían no cubrir pandemias
Use Nuestro Contenido
Este contenido puede usarse de manera gratuita (detalles).
Era evidente que la fiebre, las náuseas y la falta de apetito que Vlastimil Gajdoš sintió el día de su boda no eran por miedo a casarse.
Gajdoš, de 65 años, se enfermó en Honolulu, Hawaii, en marzo, después de llegar con su novia desde la República Checa. Gajdoš y Sylva Di Sandro, de 58 años, tenían la intención de casarse y pasar la luna de miel en la isla.
Forma parte del grupo de Facebook de Kaiser Health News en español “KHN-Hablemos de Salud”.
KHN-Hablemos de Salud
Llegaron a casarse, pero, a la misma vez, comenzaron una inesperada batalla contra el nuevo coronavirus. El novio estuvo internado por dos semanas, parte de los días en terapia intensiva, conectado a un ventilador. Como muchos turistas conscientes de que la atención médica en los Estados Unidos es más cara que en casa, Gajdoš compró un plan de salud para viajeros que cubría hasta $300,000 en gastos médicos.
Pero después que a Gajdoš le diagnosticaron COVID-19 y su esposa llamó para verificar la cobertura, los recién casados descubrieron una trampa: la aseguradora dijo que no pagaría por adelantado. Y que consideraría reembolsar el gasto sólo después que Gajdoš fuera dado de alta del hospital.
“Tenía mucho miedo de que los médicos no lo ayudaran si no estaban seguros de la cobertura”, dijo Di Sandro, quien tuvo un caso leve de COVID y no tuvo que ser hospitalizada.
La pandemia de coronavirus ha causado estragos en la industria del turismo, incluidas las compañías de seguros.
Incluso más allá de la crisis actual, los viajeros deben prestar especial atención a la letra chica de estas coberturas.
Muchos planes ofrecen cobertura de atención médica en caso que la persona necesite atención durante un viaje. Pero éstos varían enormemente según la compañía, ya que contienen límites en los pagos, copagos y las circunstancias que rodean a la necesidad médica, por ejemplo, si cubren o no atención en caso de evacuación.
La mayoría de los planes de salud para viajeros excluyen eventos conocidos o “previstos”, dijo Kasara Barto, vocera de Squaremouth, un servicio en línea que permite a los viajeros comparar opciones de seguros.
En algunas situaciones, un viajero puede anticipar el riesgo dependiendo de su destino. Por ejemplo, una póliza regular podría no cubrir un accidente de alpinismo mientras se está escalando el monte Everest.
También es común la exclusión pandémica, en la cual la aseguradora no pagará los gastos médicos de un viajero si están relacionados con un brote como el de coronavirus.
El lenguaje sobre las exclusiones puede ser vago, lo que podría dificultar que los viajeros descifren si su plan pagará la atención relacionada con COVID-19, dijeron expertos de la industria. En principio, algunos planes no mencionan específicamente una pandemia como una circunstancia que esté cubierta o excluida, o el tiempo de cobertura de una pandemia.
La Organización Mundial de la Salud (OMS) declaró la propagación del coronavirus como un brote mundial el 11 de marzo. Los viajeros que compraron pasajes después de esa fecha deben confirmar que tienen cobertura médica para COVID-19, dijo Christopher Mosley, abogado especializado en seguros en Sherman & Howard.
Sin embargo, esos tiempos podrían ser distintos en ciertos planes. Algunas aseguradoras consideran que COVID-19 era un riesgo en ciertas áreas ya en enero, agregó Mosley.
“No hay una cobertura única”, dijo Mark Friedlander, director de comunicaciones corporativas del Insurance Information Institute, una organización de investigación respaldada por la industria de seguros.
Tal vez el riesgo sea más alto para los extranjeros que visitan los Estados Unidos, que tiene los costos de atención médica más altos del mundo desarrollado. Muchos de los sistemas nacionales de salud en los países europeos tratarán a los extranjeros sin costo o por tarifas mucho más bajas.
En los Estados Unidos, las embajadas están interviniendo para ayudar a sus ciudadanos a descifrar estos planes médicos. En un aviso, la embajada de Eslovenia en Washington, DC, aconseja específicamente a sus ciudadanos que llegan al país que verifiquen si sus seguros cubren pandemias.
Funcionarios de la embajada de España también dijeron que el seguro es un tema que ha surgido en conversaciones.
La República Checa intervino en el caso de Gajdoš y en el de otro ciudadano checo que también tuvo problemas con su plan de salud, dijo Zdeněk Beránek, director de la misión de la embajada checa en Washington, DC.
“Este no es el país más barato del mundo en lo que respecta a la atención de salud”, dijo Beránek, “así que es mejor tener cuidado”.
Dado el caos de la pandemia, algunas aseguradoras están optando por dejar de vender pólizas de salud para viajeros por completo, incluida LV, una compañía con sede en el Reino Unido.
Pero otros, como Allianz, están ampliando los beneficios para incluir la atención de COVID-19. La compañía informó que aceptará algunas cancelaciones de viaje y reclamos médicos relacionados con el virus que generalmente no están cubiertos en sus planes, según un comunicado de prensa.
“Este es un territorio desconocido para todas las compañías de seguros en este mercado”, dijo Don Van Scyoc, vicepresidente de ventas individuales de la aseguradora de viajes GeoBlue. La compañía vende planes para estadounidenses que viajan al extranjero y para extranjeros que están lejos de sus países de origen por largos períodos. Sus planes cubren la atención de COVID-19, dijo.
Gajdoš y Di Sandro pidieron ayuda a la embajada y al empleador de Gajdoš después que su aseguradora de viajes le negara la cobertura. El empleador se comprometió a ayudarlo si su plan no cubría su estadía en el hospital, dijo, pero la intervención del gobierno funcionó.
La aseguradora finalmente acordó cubrir los gastos de Gajdoš.
El matrimonio no reveló la factura final, pero un tratamiento típico de 10 días en una unidad de terapia intensiva puede costar varios cientos de miles de dólares.
Gajdoš recibió el alta del Queen’s Medical Center el 8 de abril, agradecido por la atención. Dijo que las acciones de su aseguradora lo tomaron por sorpresa. Intencionalmente había comprado un plan más caro con la expectativa de que recibiría ayuda, no que se negarían a cubrir su atención.
“No tienes la energía para pelear”, dijo Gajdoš. “Estás enfocado en luchar por tu vida”.
Alerta a turistas: los planes de salud para viajeros podrían no cubrir pandemias published first on https://smartdrinkingweb.weebly.com/
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Crypto Tax Bill Clears First Hurdle in New Hampshire Legislature
A proposed law in New Hampshire that would allow residents to pay their taxes with cryptocurrency is seeing some early traction.
House Bill 470, which would allow state-level agencies (including New Hampshire’s tax office) to accept cryptocurrencies for payment if approved, cleared its first minor hurdle last week after being passed unanimously by a subcommittee on the House Executive Departments and Administration Committee, with amendments.
The subcommittee – composed of Reps. Mark Proulx, Jaci Grote, Carol McGuire and Samantha Fox – voted to add some protections for the state as an amendment, ensuring that if a transaction fails or is sent to the wrong address, New Hampshire can still collect on the appropriate taxes.
That being said, the amendment is more technical than substantial, McGuire said, explaining:
“It’s just being more specific about how we do it … it doesn’t change the intent of [the bill] at all.”
The text of the formal amendments was not available at press time. There will be another subcommittee work session on Feb. 13, according to Legiscan.
If the bill is approved by the House and Senate, and signed by Governor Christopher Sununu, it would direct the state treasurer to determine how it may accept cryptocurrencies for tax payments by November 2019. Actual acceptance of cryptocurrencies would then commence in July 2020.
State agencies would have to partner with a to-be-determined third-party processor to convert funds into fiat, similarly to how Ohio currently processes its own crypto tax payments.
New Hampshire sign image via Mark Van Scyoc / Shutterstock
This news post is collected from CoinDesk
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CFTC Tech Advisors to Talk Crypto, Blockchain This Week
CFTC Tech Advisors to Talk Crypto, Blockchain This Week
CFTC Tech Advisors to Talk Crypto, Blockchain This Week
Blockchain technologies and cryptocurrencies will be front and center at the Commodity Futures Trading Commission’s (CFTC) Technology Advisory Committee meeting Wednesday.
The meeting’s agenda, released late Monday afternoon, outlines how the first two panels will focus on blockchain and its potential applications to derivatives markets, as well as the relevant regulations surrounding cryptocurrencies and futures markets, respectively.
The opening panel on blockchain will feature Jennifer Peve, executive director for business development and fintech strategy at the Depository Trust and Clearing Corporation (DTCC); Charley Cooper, managing director of distributed ledger startup R3; and Dan Busca, deputy director of the CFTC’s Division of Market Oversight (DMO).
The panel, the document shows, will focus on the tech’s “potential impact on capital markets infrastructure and regulatory reporting.”
The cryptocurrency markets and regulation panel, scheduled to begin 45 minutes later, will feature Coin Center executive director Jerry Brito; Katten Muchin Rosenman LLP special counsel Gary DeWaal; trading company RGM Advisors chief executive Richard Gorelick; and DMO director Amir Zaidi.
This panel will focus on cryptocurrencies themselves, as well as futures products based on them, according to the agenda. Changes in the markets and regulations surrounding them will also be discussed.
The panels come at a time of renewed regulatory discussion in the space. A week ago, CFTC chairman J. Christopher Giancarlo testified in front of the U.S. Senate Subcommittee on Banking, Housing and Urban Affairs about the role regulations may play in future cryptocurrency markets. Giancarlo will give opening remarks alongside Commissioners Brian Quintenz and Rostin Behnam.
CFTC logo image via Mark Van Scyoc / Shutterstock
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Fingerstyle Guitar - Lesson 8 - Fun Times - Beginner Guitar Lessons for ...
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Lesson 27 - Play 12 - Open Chords - G Major - Learn How to Play Guitar
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Lesson 26 - Play 18 - Open Chords - D Major - Learn How to Play Guitar
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Lesson 26 - Play 17 - Open Chords - D Major - Learn How to Play Guitar
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Lesson 26 - Play 16 - Open Chords - D Major - Learn How to Play Guitar
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Tourists, Beware: Foreign Visitors’ Travel Health Insurance Might Exclude Pandemics
It was evident that the fever, nausea and loss of appetite Vlastimil Gajdoš felt on his wedding day was not a mere case of cold feet.
Gajdoš, 65, fell ill in Honolulu in March after arriving with his bride-to-be from the Czech Republic. He and Sylva Di Sandro, 58, intended to marry and honeymoon on the island.
While they did tie the knot, they also engaged in serious battle with the novel coronavirus. He was in the hospital for two weeks, some of it in intensive care, on a ventilator. Like many visitors to the U.S., who are aware that health care prices here can be higher than back home, Gajdoš purchased a travel insurance plan that covered up to $300,000 in medical expenses.
But after Gajdoš was diagnosed with COVID-19 and his wife called to check whether his care would be covered, the newlyweds discovered a catch: The insurer said it wouldn’t pay upfront. And it would consider reimbursing the couple only after Gajdoš was released from the hospital.
“I was really afraid that they [doctors] would not give him any assistance if they were not sure that this would not be covered,” said Di Sandro, who had only a mild case and was not hospitalized.
The coronavirus pandemic has wreaked havoc on the travel industry — including insurance companies. Even beyond the current crisis, travelers should pay careful attention to the fine print on coverage policies.
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Many plans offer health care coverage in case a person needs medical attention during a trip. But policies vary tremendously by company ― containing limits on payouts, copayments and circumstances, such as whether they cover an evacuation.
Most travel insurance plans contain exclusions for known or “foreseen events,” said Kasara Barto, a spokesperson for Squaremouth, an online service that allows travelers to compare insurance options.
In some situations, a traveler can anticipate the risk of visiting a destination. A regular insurance policy might not cover a mountaineering accident while climbing Everest, for example.
Also common is the pandemic exclusion, in which the insurer will not pay for a traveler’s medical expenses if they are related to an outbreak such as the coronavirus.
“It’s definitely something that they should be aware of, that not having coverage to cover [medical care] could lead to such a financial loss,” Barto said.
Language on exclusions can be vague, which could make it difficult for travelers to decipher whether their policy will pay for care related to COVID-19, industry experts said. To make matters worse, some policies don’t specifically name a pandemic as a circumstance that is covered or excluded — and how they count the start and end of a pandemic period.
The World Health Organization declared the spread of the coronavirus a worldwide outbreak on March 11. Travelers who purchased plans after that date should take extra care to make sure they have medical coverage for COVID-19, said Christopher Mosley, a lawyer who specializes in insurance litigation at the law firm Sherman & Howard.
However, that cutoff date might be earlier in some policies. Some insurers considered COVID-19 a risk in certain areas as early as January, Mosley added.
“There’s not a one-size-fits-all” coverage, said Mark Friedlander, director of corporate communications for the Insurance Information Institute, a research organization supported by the insurance industry.
The risk is perhaps highest for foreigners visiting the U.S., which has the highest health care costs in the developed world. Many of the national health systems in European countries will treat foreigners at no charge or for much lower rates.
Foreign embassies are stepping in to help their citizens in the U.S. decipher insurance policies. In a notice, the Slovenian Embassy in Washington, D.C., specifically mentioned the high cost of health care when advising citizens traveling in the U.S. to check whether their insurance covers pandemics. Officials at the Spanish Embassy also said insurance is an issue that has come up in conversations with its citizens here.
The Czech Republic intervened in Gajdoš’ case and at least one other time recently on behalf of citizens with health insurance problems, said Zdeněk Beránek, the deputy head of mission for the Czech Embassy in Washington, D.C.
“This is not the cheapest country in the world when it comes to health care,” Beránek said, “so you better be careful.”
Given the chaos of the pandemic, some insurers are choosing to stop selling travel insurance policies altogether — including LV, a company based in the United Kingdom.
But others, such as Allianz, are expanding benefits to include care for COVID-19. The company announced it will accept some trip cancellation and medical claims related to the virus that aren’t typically covered in their plans, according to a press release.
“This is kind of uncharted territory for every insurance company that’s in this market,” said Don Van Scyoc, vice president of individual sales at the travel insurer GeoBlue. The company sells plans for Americans going overseas and foreign nationals who are away from their homelands for extended periods. Their policies cover COVID-19 care, he said.
Gajdoš and Di Sandro reached out to the embassy and his employer for help after his travel insurer denied him coverage. The employer pledged to help him if his plan did not cover his hospital stay, he said, but the government intervention worked. The insurer ultimately agreed to cover Gajdoš’ expenses.
The couple would not disclose the final tally for Gajdoš’ hospital stay, but a typical 10-day course of treatment in an intensive care unit can run into several hundreds of thousands of dollars.
He was discharged from the Queen’s Medical Center on April 8, grateful for the care. Gajdoš said his insurer’s actions caught him off guard. He intentionally purchased a more expensive policy with the expectation that they would receive help, not pushback, from the plan.
“You don’t have the energy,” Gajdoš said. “You are oriented on fighting for your life.”
Tourists, Beware: Foreign Visitors’ Travel Health Insurance Might Exclude Pandemics published first on https://smartdrinkingweb.weebly.com/
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Tourists, Beware: Foreign Visitors’ Travel Health Insurance Might Exclude Pandemics
It was evident that the fever, nausea and loss of appetite Vlastimil Gajdoš felt on his wedding day was not a mere case of cold feet.
Gajdoš, 65, fell ill in Honolulu in March after arriving with his bride-to-be from the Czech Republic. He and Sylva Di Sandro, 58, intended to marry and honeymoon on the island.
While they did tie the knot, they also engaged in serious battle with the novel coronavirus. He was in the hospital for two weeks, some of it in intensive care, on a ventilator. Like many visitors to the U.S., who are aware that health care prices here can be higher than back home, Gajdoš purchased a travel insurance plan that covered up to $300,000 in medical expenses.
But after Gajdoš was diagnosed with COVID-19 and his wife called to check whether his care would be covered, the newlyweds discovered a catch: The insurer said it wouldn’t pay upfront. And it would consider reimbursing the couple only after Gajdoš was released from the hospital.
“I was really afraid that they [doctors] would not give him any assistance if they were not sure that this would not be covered,” said Di Sandro, who had only a mild case and was not hospitalized.
The coronavirus pandemic has wreaked havoc on the travel industry — including insurance companies. Even beyond the current crisis, travelers should pay careful attention to the fine print on coverage policies.
Email Sign-Up
Subscribe to KHN’s free Morning Briefing.
Sign Up
Please confirm your email address below:
Sign Up
Many plans offer health care coverage in case a person needs medical attention during a trip. But policies vary tremendously by company ― containing limits on payouts, copayments and circumstances, such as whether they cover an evacuation.
Most travel insurance plans contain exclusions for known or “foreseen events,” said Kasara Barto, a spokesperson for Squaremouth, an online service that allows travelers to compare insurance options.
In some situations, a traveler can anticipate the risk of visiting a destination. A regular insurance policy might not cover a mountaineering accident while climbing Everest, for example.
Also common is the pandemic exclusion, in which the insurer will not pay for a traveler’s medical expenses if they are related to an outbreak such as the coronavirus.
“It’s definitely something that they should be aware of, that not having coverage to cover [medical care] could lead to such a financial loss,” Barto said.
Language on exclusions can be vague, which could make it difficult for travelers to decipher whether their policy will pay for care related to COVID-19, industry experts said. To make matters worse, some policies don’t specifically name a pandemic as a circumstance that is covered or excluded — and how they count the start and end of a pandemic period.
The World Health Organization declared the spread of the coronavirus a worldwide outbreak on March 11. Travelers who purchased plans after that date should take extra care to make sure they have medical coverage for COVID-19, said Christopher Mosley, a lawyer who specializes in insurance litigation at the law firm Sherman & Howard.
However, that cutoff date might be earlier in some policies. Some insurers considered COVID-19 a risk in certain areas as early as January, Mosley added.
“There’s not a one-size-fits-all” coverage, said Mark Friedlander, director of corporate communications for the Insurance Information Institute, a research organization supported by the insurance industry.
The risk is perhaps highest for foreigners visiting the U.S., which has the highest health care costs in the developed world. Many of the national health systems in European countries will treat foreigners at no charge or for much lower rates.
Foreign embassies are stepping in to help their citizens in the U.S. decipher insurance policies. In a notice, the Slovenian Embassy in Washington, D.C., specifically mentioned the high cost of health care when advising citizens traveling in the U.S. to check whether their insurance covers pandemics. Officials at the Spanish Embassy also said insurance is an issue that has come up in conversations with its citizens here.
The Czech Republic intervened in Gajdoš’ case and at least one other time recently on behalf of citizens with health insurance problems, said Zdeněk Beránek, the deputy head of mission for the Czech Embassy in Washington, D.C.
“This is not the cheapest country in the world when it comes to health care,” Beránek said, “so you better be careful.”
Given the chaos of the pandemic, some insurers are choosing to stop selling travel insurance policies altogether — including LV, a company based in the United Kingdom.
But others, such as Allianz, are expanding benefits to include care for COVID-19. The company announced it will accept some trip cancellation and medical claims related to the virus that aren’t typically covered in their plans, according to a press release.
“This is kind of uncharted territory for every insurance company that’s in this market,” said Don Van Scyoc, vice president of individual sales at the travel insurer GeoBlue. The company sells plans for Americans going overseas and foreign nationals who are away from their homelands for extended periods. Their policies cover COVID-19 care, he said.
Gajdoš and Di Sandro reached out to the embassy and his employer for help after his travel insurer denied him coverage. The employer pledged to help him if his plan did not cover his hospital stay, he said, but the government intervention worked. The insurer ultimately agreed to cover Gajdoš’ expenses.
The couple would not disclose the final tally for Gajdoš’ hospital stay, but a typical 10-day course of treatment in an intensive care unit can run into several hundreds of thousands of dollars.
He was discharged from the Queen’s Medical Center on April 8, grateful for the care. Gajdoš said his insurer’s actions caught him off guard. He intentionally purchased a more expensive policy with the expectation that they would receive help, not pushback, from the plan.
“You don’t have the energy,” Gajdoš said. “You are oriented on fighting for your life.”
from Updates By Dina https://khn.org/news/tourists-beware-foreign-visitors-travel-health-insurance-might-exclude-pandemics/
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Text
Tourists, Beware: Foreign Visitors’ Travel Health Insurance Might Exclude Pandemics
It was evident that the fever, nausea and loss of appetite Vlastimil Gajdoš felt on his wedding day was not a mere case of cold feet.
Gajdoš, 65, fell ill in Honolulu in March after arriving with his bride-to-be from the Czech Republic. He and Sylva Di Sandro, 58, intended to marry and honeymoon on the island.
While they did tie the knot, they also engaged in serious battle with the novel coronavirus. He was in the hospital for two weeks, some of it in intensive care, on a ventilator. Like many visitors to the U.S., who are aware that health care prices here can be higher than back home, Gajdoš purchased a travel insurance plan that covered up to $300,000 in medical expenses.
But after Gajdoš was diagnosed with COVID-19 and his wife called to check whether his care would be covered, the newlyweds discovered a catch: The insurer said it wouldn’t pay upfront. And it would consider reimbursing the couple only after Gajdoš was released from the hospital.
“I was really afraid that they [doctors] would not give him any assistance if they were not sure that this would not be covered,” said Di Sandro, who had only a mild case and was not hospitalized.
The coronavirus pandemic has wreaked havoc on the travel industry — including insurance companies. Even beyond the current crisis, travelers should pay careful attention to the fine print on coverage policies.
Email Sign-Up
Subscribe to KHN’s free Morning Briefing.
Sign Up
Please confirm your email address below:
Sign Up
Many plans offer health care coverage in case a person needs medical attention during a trip. But policies vary tremendously by company ― containing limits on payouts, copayments and circumstances, such as whether they cover an evacuation.
Most travel insurance plans contain exclusions for known or “foreseen events,” said Kasara Barto, a spokesperson for Squaremouth, an online service that allows travelers to compare insurance options.
In some situations, a traveler can anticipate the risk of visiting a destination. A regular insurance policy might not cover a mountaineering accident while climbing Everest, for example.
Also common is the pandemic exclusion, in which the insurer will not pay for a traveler’s medical expenses if they are related to an outbreak such as the coronavirus.
“It’s definitely something that they should be aware of, that not having coverage to cover [medical care] could lead to such a financial loss,” Barto said.
Language on exclusions can be vague, which could make it difficult for travelers to decipher whether their policy will pay for care related to COVID-19, industry experts said. To make matters worse, some policies don’t specifically name a pandemic as a circumstance that is covered or excluded — and how they count the start and end of a pandemic period.
The World Health Organization declared the spread of the coronavirus a worldwide outbreak on March 11. Travelers who purchased plans after that date should take extra care to make sure they have medical coverage for COVID-19, said Christopher Mosley, a lawyer who specializes in insurance litigation at the law firm Sherman & Howard.
However, that cutoff date might be earlier in some policies. Some insurers considered COVID-19 a risk in certain areas as early as January, Mosley added.
“There’s not a one-size-fits-all” coverage, said Mark Friedlander, director of corporate communications for the Insurance Information Institute, a research organization supported by the insurance industry.
The risk is perhaps highest for foreigners visiting the U.S., which has the highest health care costs in the developed world. Many of the national health systems in European countries will treat foreigners at no charge or for much lower rates.
Foreign embassies are stepping in to help their citizens in the U.S. decipher insurance policies. In a notice, the Slovenian Embassy in Washington, D.C., specifically mentioned the high cost of health care when advising citizens traveling in the U.S. to check whether their insurance covers pandemics. Officials at the Spanish Embassy also said insurance is an issue that has come up in conversations with its citizens here.
The Czech Republic intervened in Gajdoš’ case and at least one other time recently on behalf of citizens with health insurance problems, said Zdeněk Beránek, the deputy head of mission for the Czech Embassy in Washington, D.C.
“This is not the cheapest country in the world when it comes to health care,” Beránek said, “so you better be careful.”
Given the chaos of the pandemic, some insurers are choosing to stop selling travel insurance policies altogether — including LV, a company based in the United Kingdom.
But others, such as Allianz, are expanding benefits to include care for COVID-19. The company announced it will accept some trip cancellation and medical claims related to the virus that aren’t typically covered in their plans, according to a press release.
“This is kind of uncharted territory for every insurance company that’s in this market,” said Don Van Scyoc, vice president of individual sales at the travel insurer GeoBlue. The company sells plans for Americans going overseas and foreign nationals who are away from their homelands for extended periods. Their policies cover COVID-19 care, he said.
Gajdoš and Di Sandro reached out to the embassy and his employer for help after his travel insurer denied him coverage. The employer pledged to help him if his plan did not cover his hospital stay, he said, but the government intervention worked. The insurer ultimately agreed to cover Gajdoš’ expenses.
The couple would not disclose the final tally for Gajdoš’ hospital stay, but a typical 10-day course of treatment in an intensive care unit can run into several hundreds of thousands of dollars.
He was discharged from the Queen’s Medical Center on April 8, grateful for the care. Gajdoš said his insurer’s actions caught him off guard. He intentionally purchased a more expensive policy with the expectation that they would receive help, not pushback, from the plan.
“You don’t have the energy,” Gajdoš said. “You are oriented on fighting for your life.”
Tourists, Beware: Foreign Visitors’ Travel Health Insurance Might Exclude Pandemics published first on https://nootropicspowdersupplier.tumblr.com/
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