International Health Insurance in the USA for Foreigners
Global Medical Insurance for Expats in the USA
Traveling abroad is exciting. Living abroad, especially in the USA, is a whole different level of adventure. An expatriate also called an expat, is a person who has left their home country to live somewhere else. The transition to a new country comes with challenges. One of those challenges is securing adequate international health insurance to cover you in the United States as well as your home country and other countries you may travel to.
Medical Coverage for Expatriates in the USA
If you are relocating the United States, it is important to know that the US does not require all expatriates (or US citizens) to have medical coverage. However, the risk of being in the US without medical coverage is massive hospital bills or even no access to medical care. There are newer requirements for certain expats on select visa types that may require you to have health coverage.
Medical costs in the US tend to be higher than in other countries for a couple of reasons. American doctors tend to order more tests and scans than in other countries, and the US deals with a relatively high rate of medical inflation.
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Health Insurance for Americans Abroad
International Health Care in the USA
The quality of medical care available in the United States is generally of a high standard. In the United States, health care is provided by private hospitals and clinics. This requires citizens to have private medical insurance. Often, an employer provides insurance that covers the employee and their immediate family. Increasingly, due to rising costs, employees are required to help cover the cost of medical insurance.
If an employer does not provide health coverage or the coverage is inadequate, most individuals purchase international medical insurance themselves.
A federal Medicare program is available for retirees. There is also Medicaid, which is a federal medical aid program for the poor.
Best International Health Insurance Plans for Living in the USA
We would recommend two options for expatriates moving to live in the USA. Cigna Global is an excellent global insurer with great service and benefits. Cigna Global offers a flexible plan design allowing you to pick and choose different modules to tailor the plan to your needs and budget. The other suggested plan would be GeoBlueXplorer which offers similar benefits and service to Cigna. GeoBlueXplorer is offered in association with Blue Cross and Blue Shield of America and comes with the excellent BCBS network of doctors and hospitals associated with BCBS.