{"id":22198,"date":"2021-11-30T20:47:34","date_gmt":"2021-11-30T18:47:34","guid":{"rendered":"https:\/\/expat-assurance.com\/?p=22198"},"modified":"2021-11-30T20:47:37","modified_gmt":"2021-11-30T18:47:37","slug":"health-insurance-united-states","status":"publish","type":"post","link":"https:\/\/expat-assurance.com\/en\/expat-insurance\/health-insurance-united-states\/","title":{"rendered":"How to Choose Your Health Insurance for the United States?"},"content":{"rendered":"\n<p>Choosing health insurance for the United States is not easy. Especially when you are an expatriate coming from a foreign country. <\/p>\n\n\n\n<p>On the one hand, the stakes are high because healthcare is very expensive in the USA.<\/p>\n\n\n\n<p>On the other hand, the American medical system is very different from other places. Here, you can find some useful information that will help you make the right choice!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-some-important-facts-about-health-insurance-in-the-united-states\">Some Important Facts About Health Insurance in the United States<\/h2>\n\n\n\n<p>The American health care system relies almost entirely on private insurance companies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-different-types-of-health-insurance-in-the-united-states\">Different Types of Health Insurance in the United States<\/h3>\n\n\n\n<p>There are 4 types of health insurance in the United States:<\/p>\n\n\n\n<ul><li><strong>PPOs (Preferred Provider Organizations):&nbsp;<\/strong>they offer the most flexible health coverage. All expenses are covered, but they are better reimbursed if the care is performed within the company&#8217;s network<\/li><li><strong>HMOs (Health Maintenance Organization):<\/strong>&nbsp;they only cover the costs of care received in their network of practitioners and health facilities. And they impose a system of Primary Care Provider who must be consulted before any visit to a specialist<\/li><li><strong>EPOs (Exclusive Provider Organizations):<\/strong>&nbsp;they only cover care received in their network, but do not require a referral physician<\/li><li><strong>POS (Point Of Service):<\/strong>&nbsp;they are similar to HMOs but cover certain care performed outside their network.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-vocabulary-to-help-you-understand-the-health-insurance-plans-in-the-united-states\">Vocabulary to Help You Understand the Health Insurance Plans in the United States<\/h3>\n\n\n\n<p>There are certain words you must know when looking at health insurance plans in the United States:<\/p>\n\n\n\n<ul><li>The&nbsp;<strong>deductible<\/strong>&nbsp;is the amount that the insured must pay before the insurance company starts covering any costs<\/li><li>The&nbsp;<strong>coinsurance<\/strong>&nbsp;is the part of the expenses that remains payable by the insured<\/li><li><strong>The out-of-pocket maximum<\/strong>&nbsp;is the maximum amount an insured can have to spend in a year; once this limit is reached, the insurance will pay the full amount of the medical expenses<\/li><li><strong>Coverages and exclusions<\/strong>&nbsp;are the risks covered or not by the insurance.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-necessary-to-take-out-private-health-insurance-in-the-united-states-with-a-local-company\">Is It Necessary to Take Out Private Health Insurance in the United States With a Local Company?<\/h2>\n\n\n\n<p>Most of the expatriates in the United States have three types of health insurance options:<\/p>\n\n\n\n<ul><li>Choose a local insurance<\/li><li>Remain affiliated to their country&#8217;s Social Security<\/li><li>Take out an international policy.<\/li><\/ul>\n\n\n\n<p>Taking out a local policy for your health insurance in the United States is a common choice among American companies. They pay a part or the full amount of their employees&#8217; policies.<\/p>\n\n\n\n<p>This can be an interesting solution. But all the procedures will be done in the American way, which can be slightly different from how things are done in your country.<\/p>\n\n\n\n<p>Also, the coverage will be regulated by the American insurance system laws and habits.<\/p>\n\n\n\n<p>It&#8217;s recommendable that you are familiarized with all the facts about health insurance in the United States. And you should pay close attention to:<\/p>\n\n\n\n<ul><li>Deductibles<\/li><li>Out-of-pocket expenses<\/li><li>Imposition of a care network<\/li><li>Limitation of the choice of practitioners.<\/li><\/ul>\n\n\n\n<p>This is not always the most comfortable solution when you are not familiar with the subtleties of the local health care system, its practices, and its particular vocabulary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-local-policies-only-work-in-the-usa\">Local Policies Only Work in the USA<\/h3>\n\n\n\n<p>Expatriates who have the possibility of taking out local insurance must remember to verify that the contract covers all the members of their family.<\/p>\n\n\n\n<p>He must also make sure that the proposed coverage corresponds to his specific needs as an expatriate living in the USA. <\/p>\n\n\n\n<p>These policies generally offer a much lower level of coverage than what is offered in other countries.<\/p>\n\n\n\n<p>And above all, this type of health insurance only works in the United States. It does not take into account the expatriate&#8217;s needs abroad. <\/p>\n\n\n\n<p>For example, it will not be possible to benefit from certain important guarantees such as:<\/p>\n\n\n\n<ul><li>Repatriation to your country in case of illness or accident requiring long-term hospitalization<\/li><li>To be taken care of in case of early return in case of death or hospitalization of a relative in your country<\/li><li>Be reimbursed for health care expenses during a temporary stay in your home country or a vacation outside the United States.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-international-health-insurance-in-the-united-states\">International Health Insurance in the United States<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-advantages-of-international-health-insurance-plans-in-the-united-states\">The Advantages of International Health Insurance Plans in the United States<\/h3>\n\n\n\n<p>International policies offer all the services listed in the previous section. This makes them the best health insurance in the United States for expats. <\/p>\n\n\n\n<p>It&#8217;s even possible to add extended coverage according to his needs, such as:<\/p>\n\n\n\n<ul><li>Personal effects insurance<\/li><li>Insurance of identity papers in case of loss or theft<\/li><li>Cancellation insurance for airline tickets<\/li><li>etc.<\/li><\/ul>\n\n\n\n<p>These contracts are offered by specialized companies that put their expertise at the service of the insured.<\/p>\n\n\n\n<p>The communication with an advisor, as well as all the steps related to the subscription and the management of the contract are done in your language.<\/p>\n\n\n\n<p>You generally have to choose between a 1st dollar insurance or a supplementary policy to your Social Security coverage. Each of them has its advantages and disadvantages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-social-security-coverage\">Social Security Coverage<\/h3>\n\n\n\n<p>In some countries, Social Security offers coverage to expats when they go abroad. The main advantage is that there is no medical questionnaire upon enrollment.<\/p>\n\n\n\n<p>People suffering from medical pre-existing conditions (chronic illness, serious pathologies&#8230;) can enroll without paying any additional fee or being excluded from coverage.<\/p>\n\n\n\n<p>The main drawback is that its reimbursements are often too limited to cover the cost of care in the United States. <\/p>\n\n\n\n<p>Some health care services are reimbursed according to the same scales and ceilings as those applied in your home country.<\/p>\n\n\n\n<p>Other services are reimbursed at a fraction of the actual expenses. And it depends on the procedures performed.<\/p>\n\n\n\n<p>In all cases, these reimbursements are much lower than the amounts invoiced, resulting in a high out-of-pocket expense for the insured.<\/p>\n\n\n\n<p>This is why you should subscribe to a supplementary policy if you are planning to use your country&#8217;s Social Security as your insurance in the USA. And this increases the final costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-first-dollar-policies-the-best-health-insurance-in-the-united-states\">First Dollar Policies: The Best Health Insurance in the United States<\/h3>\n\n\n\n<p>The best way to get cost-effective health coverage in the U.S. is to purchase a &#8220;first dollar&#8221; international health insurance policy.<\/p>\n\n\n\n<p>These insurances cover health expenses from the first dollar spent by the insured, And at rates of real expenses known in advance, which avoids bad surprises.<\/p>\n\n\n\n<p>Generally, the companies that market these contracts have concluded partnerships with American health networks. <\/p>\n\n\n\n<p>This allows them to facilitate the procedures and reimbursements of their policyholders, and to optimize their coverage.<\/p>\n\n\n\n<p>It is thus possible, for example, to benefit from a waiver of advance payment in case of hospitalization.<\/p>\n\n\n\n<p>This private health insurance for the United States is very appreciated among the expatriates for its great flexibility. <\/p>\n\n\n\n<p>The offers available are numerous and varied. And it is possible to add specific services according to one&#8217;s real needs. It&#8217;s like an \u00e0 la carte coverage, or almost.<\/p>\n\n\n\n<p>Finally, these contracts include repatriation insurance in case of accident or serious illness. And cover care provided during stays in your home country or other foreign countries.<\/p>\n\n\n\n<p>It grants you that you will be taken care of efficiently at any time all over the world. But they still have a flaw:<\/p>\n\n\n\n<ul><li>There is a compulsory medical questionnaire at the time of enrollment. And it can lead to an increase in the costs<\/li><li>There can be exclusions of coverage or even a rejection of the application in case of declared pre-existing medical conditions.<\/li><\/ul>\n\n\n\n<p>Taking out Social Security insurance may be more advantageous if this is your case.<\/p>\n\n\n\n<p>Since there are so many insurers out there, it can be complicated to make a choice, But it is possible to use an online comparator to find the best contract simply and quickly.<\/p>\n\n\n\n<p>You will then be able to compare and find the most suitable health insurance for the United States.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1638129906829\"><strong class=\"schema-faq-question\">What Are the Different Types of Health Insurance in the United States?<\/strong> <p class=\"schema-faq-answer\">In the United States, there are 4 main categories of health insurance:<br\/>&#8211; PPO (Preferred Provider Organization)<br\/>&#8211; HMO (Health Maintenance Organization)<br\/>&#8211; EPO (Exclusive Provider Organization)<br\/>&#8211; POS (Point Of Service)<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1638129940724\"><strong class=\"schema-faq-question\">What Are the Most Important Concepts You Should Know About Insurance Policies in the USA?<\/strong> <p class=\"schema-faq-answer\">The concepts of health insurance to know in the United States are:<br\/>&#8211; The deductible<br\/>&#8211; Coinsurance<br\/>&#8211; The out-of-pocket maximum<br\/>&#8211; Coverages and exclusions<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1638129996684\"><strong class=\"schema-faq-question\">What Is the Cost of Health Care in the United States?<\/strong> <p class=\"schema-faq-answer\">The cost of health care in the United States is much higher than in most of the world. For example, the price of a consultation with a general practitioner in the United States costs between 120 and 230 dollars.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Choosing health insurance for the United States is not easy. Especially when you are an expatriate coming from a foreign country. On the one hand, the stakes are high because healthcare is very expensive in the USA.<br \/>\nOn the other hand, the American medical system is very different from other places. Here, you can find some useful information that will help you make the right choice!<\/p>\n","protected":false},"author":5,"featured_media":7100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[200,204],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.9 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Choosing Health Insurance for the United States - Expat Assurance<\/title>\n<meta name=\"description\" content=\"Read useful information about health insurance for the United States. 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