Tuesday, May 31, 2005

It’s a Weird, Weird, Weird, Weird World…

A few weeks ago, I wrote about international travel and medical insurance. And that was an interesting situation. But this one’s better. In some ways, this case encapsulates the future of the global economic model.
Imagine, if you will:
A nice, normal, middle class suburban family. Dad works in IT, Mom’s a homemaker raising their three young children in Midwest Suburbia. Dad’s a contract employee at a local firm, which contract is up at the end of the month, and he’s off to the next one.
And so, you may ask?
So, this family moved here from Ireland several years ago, and Dad’s new job is in Germany, so naturally he’s leaving for France in a few weeks to look for a house. About a month after Dad leaves, Mom and the kids “will cross the pond" to join him.
Keep in mind, none of these nice folks is an American citizen. But Dad’s employer provided health coverage while they were here, and will pick it up again after they’ve settled down in their new home in France. Meantime, though, he’ll be without coverage for a while after he leaves the US, and the family will lose theirs once he’s gone.
Following this? Me either.
Thankfully, it really is much simpler than it appears: we need one type of policy for Dad, and a similar – but different -- one for Mom and the kids. Both plans will provide coverage for a month.
The total tab for this little adventure? A little over $400 for the works. Not too bad, after all.
And people complain that insurance isn’t any fun!
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