Expat Health Insurance for Expatriates in U.S.A

In most cases the answer is yes.

Why?

Because in the USA, there is no nationwide system of government-owned medical facilities that is open to the general public. Doctors and hospitals are generally funded by payments from patients and insurance companies. USA hospitals provide some outpatient care in their emergency rooms, but primarily provide inpatient care.

Most American citizens have some form of health insurance – Many through their employer or the employer of their spouse or parent, some purchase medical insurance individually, and only a small percent is entitled to health insurance through government programs. These programs have restricted eligibility, and are usually available for the elderly, disabled, children, veterans, and some of the poor.

Some Americans citizens are unable to afford, cannot qualify for, or choose not to purchase, private health insurance, and they sometimes simply go without needed medical treatment.

You should be aware that among those whose employer pays for health insurance, the employee usually has to contribute part of the cost of this insurance, while the employer usually chooses the plan and, for large groups negotiates with the insurance company. So it is recommended for the employee to check what services does the health insurance covers.

Other than that USA citizens with private or government insurance must generally find a medical facility which accepts the particular type of medical insurance they carry. Visits to facilities outside the insurance programs are usually either not covered or the patient must bear more of the cost.

What else should you know?

Dental and vision care insurance is usually sold separately.

Prescription drugs are often handled differently than medical services. As a matter of fact during the 1990s, the price of prescription drugs became a major issue in American politics as the prices of many new drugs increased tremendously, and many citizens discovered that neither the government nor their insurer would cover the cost of such drugs.

According to the Institute of Medicine of the National Academy of Sciences, the United States is the only wealthy, industrialized nation that does not ensure universal coverage.

If you are moving to USA and you do not have an employer yet, or if your future employer doesn’t offer sufficient health insurance coverage then you must consider seriously an expat health insurance.

MultiNational Underwriters and Goodhealth Worldwide are examples for two international medical insurance companies that offer great programs for expats all over the world.

Goodhealth Worldwide is a specialist international health insurance provider for expatriates. Globalhealth Worldwide has been active in this market for over 25 years. And provides overseas health insurance to expatriates of all nationalities, all over the globe, and wherever you are in the world.

Goodhealth offer a full range of expat medical insurance plans. Whether you are looking for individual, family, group or company cover, they have an international medical insurance plan to suit your requirements. Goodhealth makes sure you have access to the finest medical facilities worldwide, enabling you to obtain the best possible treatment whenever and wherever you need it.

MultiNational Travel Insurance offers a comprehensive portfolio of insurance products designed specifically to address the insurance needs of expats worldwide.

As a Non-U.S. citizen residing in the USA, you can choose from several expat insurance programs, which can be found here