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Buyers Guides USA |
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Banking, Credit, Car and
Health Insurance in America |
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Banking, Credit, Car and
Health Insurance
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Banking / Credit.
Do not, on any account close your UK bank or credit
card accounts before coming to the USA. If you do
not already have an American credit card, you will
find them hard to obtain in the early days, as you
will not have built-up an American credit rating.
If you contact me I can advise you on a number of
options open to you in this area.
Car Insurance
This can be hard to obtain at a reasonable rate in
your first year, but you will need it in place before
you are able to drive away that all too necessary
car. Again, it is worth making contact prior to your
move for advice on those elusive insurance policies.
For example, the incorrect explanation of the British,
automatic penalty point system for speeding, to an
American insurance agent can significantly increase
premiums.
Healthcare
It is imperative that you have health insurance coverage
from the second you enter the USA. If you are being
sponsored by your company and have a copy of the policy,
fine. If not, you are advised to obtain coverage.
Do not depend on your British holiday coverage, as
it will not be valid. Eventually you will qualify
for American insurance companies, of which I have
details. Some will be able to obtain immediate coverage.
If not, there are a number of excellent other policies,
that I have found clients very satisfied with. Beware
of certain policies that do NOT provide coverage in
the strict sense, but are actually a medical discount
scheme. This is not always evident. In the event of
a medical claim running into thousands of dollars,
a 10% discount obviously does not cover the other
90% of the bill.
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Following 20 years as a British Chief Government Officer,
Andrew Bartlett relocated to Florida heading the British
property team with Coldwell Banker, and then the International
Team with Remax Properties the world's largest Real Estate
groups. A Certified International Realtor, member of Florida
Association of British Businesses and Chamber of Commerce,
he writes articles on Florida property trends, has constructed
a Florida property consumer web guide and advises British
clients on locations, properties and investment trends.
He can recommend experienced local Realtors throughout America.
Please contact Andrew if you are thinking of buying or indeed
selling a property in Florida or indeed would just like
to chat about what is happening at the moment.
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