Stand alone health insurance

Did have to use it once when my then husband developed appendicitis and was emergency air lifted to the hospital in Mexico City. They wanted to bring him back to the states but the doctor said he wouldn't have made it. Allianz paid the air evac directly, we never even saw the bill. The hospital did not have an agreement with Allianz for direct payment. So we put it on the credit cards, just over 10,000 and another 5,000 in doctors. Allianz paid us their maximum payment promptly, which was 10,000 on our policy. His home medical insurance, Tricare for Life, did pay the balance but took almost a year of paper work with them and Medicare.

Now I always use Allianz, they were helpful through the whole process Hopefully I don't need them. I recommend them on the basis of my experience.