E&M Global Insurance to host BBG After Hours on October 30th

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On October 30th E&M Global Insurance along will be hosting a BBG After Hours event at Chima Steakhouse.

The BBG (Brazilian Business Group) an organization with the objective of uniting and strengthening the Brazilian business community in South Florida where a large part of the community is concentrated.  E&M Global Insurance is a proud member of this group which features many of the same core values as us.

Evan Tunis, Owner of E&M Global Insurance, “Both myself and Michelle Tunis are thrilled to host the event later this month.  The organization is world class and we are to be associated with such an esteemed group.” E&M can’t wait to see you all there.

Chima is located at  2400 E Las Olas Blvd, Fort Lauderdale, FL. The event will run from 6PM – 8PM.

#BrazilianBusinessGroup #Entrepreneur #Entrepreneurship#Empreendimento #BusinessGrowth #EMGlobalInsurance 

Some Thoughts from the 2017 Nebraska-Iowa AILA Conference

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On Friday October 6th E&M Global Insurance had the pleasure to sponsor the 2017 AILA Nebraska-Iowa Conference.  The event featured most of the prominent attorneys from these states and the speakers were top notch.

Amongst the conversations were ethics, Visa updates and a conversation with several judges who usually rule on these immigration cases.

Among some of the things we learned was just how long an actual Visa could take.  Several of the attorneys remarked how it starts at 4 YEARS!! That is scary to think your future could be tied up for so long.  Another item was that there were only about 10,000 Visa’s approved in a year.

Anyhow E&M learned a lot and we are excited to be partners with this esteemed group.

Insure Your Children When They Are Studying Overseas

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For many of our clients that are coming into the USA on a J1 visa we need to find proper coverage in the United States.  But what if it’s the reverse.  What I am describing are United States citizens studying abroad for an extended period overseas.  Such places as India, Panama, France, etc.

The common issue we find is that people don’t know where to go for these plans and what they cover.  Many assume that their current policy will be enough coverage however most have very limited benefits outside of the network especially overseas. In addition, a traditional U.S. plan will not pay to be emergency evacuated outside of the country back to the United States.

The good news is that we can insurance students overseas no matter the age in a high-quality PPO product.    Plans can be custom tailored and age of the child shouldn’t be an issue.  This was a huge issue recently when we had a case of a 13 Year old studying in India.  The client had simply given up that he could find his daughter a good plan.  Within a few hours we were able to find a permanet policy for an affordable rate.

In addition, E&M Global will seek additional savings and make sure that such benefits as medical evacuation are included on all products.  We understand how scary it is for your children to be overseas.  Having to worry that they are not properly insured shouldn’t be a concern.

For more information on E&M Global Insurance please contact Evan Tunis at 800-974-5077.

#emglobalinsurance #internationalhealthinsurance #overseasstudents #cignaglobal #internationalmedicalgroup

 

E&M Global Insurance to Sponsor the AILA Central Florida Chapter’s Annual Conference

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For Immediate Release:

E&M Global Insurance (the premier agency for international health/life insurance) is proud to announce their sponsorship of the AILA Central Florida Chapter’s: 31st Annual Immigration Law Conference.

The event held in Orlando from October 26-28th  will feature some of the top minds in the immigration field.

Evan Tunis, owner of E&M Global Insurance, “We are excited to continue are ongoing relationship with the American Immigration Lawyers Association.  We have gotten tremendous feedback from the annual conference in June and are excited to sponsor a conference in our backyard.  This will be another ideal venue where we can inform and educate about the benefits of our services.”

For more information on E&M Global Insurance please contact Evan Tunis at 800-974-5077.

Over 65(Non-Medicare) Health Insurance

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For many individuals over the age of 65 and coming to the United States health insurance can be daunting.  To start with most over 65 are covered on Medicare.  Since individuals do not haven enough credit to qualify for Medicare this is not an option.  What does an individual do over age 65 but not on Medicare?

  1.  Seek an expat insurance policy that will cover them here in the United States.
  2.  Go to Healthcare.Gov and buy an overpriced/crappy network plan.
  3. Go without insurance.

As you can see only options 1 & 2 would be ideal.  We work with every carrier on an off the exchange and all expat insurance policies so we can custom tailor a soluton to your insurance needs.  Please give me a call at 800-974-5077.

Evan

Comparison of E-2 vs. EB-5 Health Insurance Options

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Comparison of E-2 vs. EB-5 Health Insurance Options

E-2 and EB-5 are two of the more popular options for individuals looking to invest and or start a business in the United States.   Before we get into the differences in healthcare options lets explain a bit the differences.

The EB-5 visa gives foreign entrepreneurs and investors the opportunity to secure a green card for themselves and their immediate families for investments that stimulate the American economy; based on significant capital (500,000) in a new commercial area with the investment at least guaranteeing 10 full time jobs.

The E-2 Visa does not provide for a green card.  It is less expensive than an EB-5(100,000) investment o and the application process is much faster.  Besides the upfront costs many individuals prefer this visa as they do not want to become U.S. Citizens due to a myriad of reasons including taxes.

EB-5 vs E-2 Healthcare Options

Now that we’ve explained the differences in the visa types lets go over the differences for health insurance.

For an EB-5 individual they have access to all ACA (Affordable Care Act) plans on and off the federal exchange.  Coverage is permanent and not based on their medical history.  With all the changes in healthcare options are not as vast as in the past.  In most cases ACA plans will only cover you in your state and leaving that state will find you out of network.

For an E-2 individual finding permanent coverage may be a bit more difficult.  At E&M we believe that permanent insurance should be sought in most cases.  Since ACA plans may not available we have solutions that provide high quality insurance coverage anywhere in the United States.

Conclusion

Individuals who are applying for EB-5/E-2 visas are used to high quality care.  Whiter they are investing 100,000 or 1,000,000 it doesn’t matter to us.  We just want to make sure we are providing them the strongest medical care possible that covers them when in need.  To not offer this is putting your biggest investment(you) at risk.

For a quote on an E-2 or EB-5 health insurance policy please call Evan Tunis at 800-974-5077.

#EB5 #E2 #immigration #investmentvisa #emglobalinsurance #healthinsurance

The Benefits of Dual Citizenship

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A few years ago, it was rare to have dual citizenship.  Now it has become more popular to own one, two or even three passports.

What are some of the benefits:

  1. Freedom to Travel
  2. Freedom to Open a Business in a Foreign Country
  3. Freedom from Taxation
  4. Health Insurance

For example, let use the country Malta.  Malta which is one of the most popular passports to get.  The reason for this is private equity or hedge funds can benefit from a friendly tax regime.  In addition, a passport in Malta also gives the individual eligibility to work anywhere in the European union.

For health insurance, the benefits could be vast.

For example, an individual who Is a U.S. Citizen who spends quite a bit of time in Germany can pay less than 50% then his counterpart in the United States.  Are the benefits different?  No.

The reason for this is the price of healthcare.  If you are in a country where healthcare is cheaper like Germany or Canada your premiums will also be cheaper.

In conclusion, it may make sense for an individual to get dual citizenship depending on circumstances.  At E&M we only specialize in life and health insurance for these individuals.  For a quote on an international health policy please call Evan Tunis at 800-974-5077.

#emglobalinsurance #eb5 #dualcitizenship

Temporary vs Permanent Insurance for Expats

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When shopping for health/ life insurance for an individual moving to the United States it is important to consider whether the plan is permanent or temporary.  But Evan, I thought all plans were permanent?  Not quite….

When an individual is not a resident they can have their choice between a temporary and permanent policy.  Why might an individual want a temporary policy?  For a myriad of reasons including only being in the United States for a short period of time, waiting on resident status to jump on a group plan or just not being aware that policy has an expiration date.

Another reason is price.  Generally, a policy less than one year in duration will be less expensive than a permanent policy.  This makes sense when you consider a carrier just has to accept the risk for a short duration of time and the longer you are on a policy the higher the risk to the carrier that some illness or injury will occur.  Under a permanent policy the carrier auto renews you at the end of your contract year.  The carrier CAN NOT cancel you for injuries and claims (unlike car insurance).

For an analysis of permanent and temporary options for new immigrants or expats please give E&M Global a call at 800-974-5077

#EB5 #immigration #emglobalinsurance #expathealthinsurance #EB5visa #permanentinsurance

Fiance Visa(K-1) Health Insurance

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Fiancé Visa(K-1) Health Insurance

A K-1 is a nonimmigrant visa that permits an expat of a U.S. Citizen to travel to the United States for marriage.  The marriage must be done within 90 days of their admission to the country.

For individuals looking for health insurance for their expected spouse this could create a significant issue and could threaten their Visa status.  I’ll explain further below.

As a newly arrived individual in the U.S. finding quality health insurance could be difficult.  Most of quality carriers (Non-Obamacare) will require the person to be a resident of the U.S. for 6 months. Many carriers also ask that the person to be a lawful U.S. Citizen or permanent resident.

At E&M Global Insurance we seek permanent solutions to this issue.  We believe an individual should have high quality PPO coverage from day one.

In addition, after speaking with many immigration attorneys having a health insurance plan already in place may help your chance by getting your visa more easily approved.  The government is wary of individuals coming in and being a drain on the health care system.  By having insurance, it shows them that no you are pro-active and this won’t be an issue.

To learn more about insurance for a Fiancé please give Evan Tunis a call at 800-974-5077.

E&M Global to be featured in EB5Investors Magazine

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For Immediate Release:

E&M Global Insurance is happy to announce that we will be featured the upcoming EB-5 Investors Magazine in August.  The magazine which is published for EB-5 investors, attorneys etc. will allow E&M to be seen by a new large international market.

Evan Tunis, Owner of E&M explains, “There is a lack of education and reliable information for new investors and residents on their health insurance was something that needed to be changed.  We wanted individuals to know there is a resource they could go to provide answers for all their new health insurance questions.”

E&M Global is a full-service insurance agency providing health, life, auto and homeowners insurance throughout the United States.  Our specialty is providing health & lie insurance for those born outside the United States and U.S. Citizens who travel internationally.