American expats have a few different options when it comes to health insurance. There are a few different ways to get coverage, but the seven best health insurance plans for American expats are detailed below.
These plans offer different levels of coverage and have different costs, so be sure to read through each one carefully before making a decision.
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Introduction: Why You Might Need Expat Health Insurance
American citizens who are living abroad may want to consider purchasing expat health insurance, which can help them access quality healthcare services while abroad.
Expat health insurance is different from the healthcare coverage that most Americans receive through their employers.
While many expat health insurance plans provide similar benefits, there are some key differences.
There are many reasons why you might need expat health insurance.
If you are moving to a country with a higher cost of living…
You may need to purchase health insurance in order to maintain the same standard of living.
You may need to purchase health insurance in order to maintain the same level of coverage.
You may need to purchase health insurance in order to have access to the same level of care.
You may need to purchase health insurance in order to protect yourself financially.
If you are moving to a country where your current health insurance is not accepted, you may need to purchase health insurance in order to have any coverage at all.
Also read: Health Insurance for Foreigners in USA
What Does Expat Health Insurance Cover?
Expat health insurance is a type of insurance that provides coverage for individuals who are living outside of their home country.
This type of insurance is typically used by individuals who are working in another country or who are studying abroad.
Expat health insurance typically provides coverage for medical expenses, including hospitalization, prescription drugs, and emergency medical evacuation.
Some policies may also provide coverage for dental care, mental health care, and maternity care.
How Much Does Expat Health Insurance Cost?
The cost of expat health insurance will vary depending on the insurer, the level of coverage, and the country where the policyholder resides.
However, it is generally more expensive than domestic health insurance.
This is because insurers consider expats to be a higher risk than those who live in their home country.
There are a few ways to reduce the cost of expat health insurance. One is to choose a policy with a higher deductible. This means that the policyholder will have to pay more out-of-pocket before the insurer covers expenses.
Another way to reduce costs is to select a policy with a lower level of coverage. This will cover less of the policyholder’s medical expenses, but it can still provide some financial protection.
Some insurers offer discounts for healthy lifestyles.
For example, some will give a lower rate to policyholders who do not smoke or who exercise regularly.
It is also possible to get a discount by paying for the policy in full upfront.
There are a number of factors to consider when choosing an expat health insurance policy. The most important is to make sure that the policy provides adequate coverage.
It is also important to compare the costs of different policies before selecting one.
Best Health Insurance Plans for American Expats Living Abroad
We all know that having health insurance is important, but many Americans living abroad aren’t aware of the best plans for them.
That’s why we analyzed more than 200 plans to find the best options for Americans living abroad – and we found that there is a plan out there perfect for you!
1. Cigna Global Health Options
Cigna Global Health Options is an insurance policy designed to provide health coverage for individuals who are living and working outside of their home country.
The policy provides access to a network of hospitals and physicians around the world, as well as emergency evacuation and repatriation coverage.
The policy can be customized to meet the needs of the individual and is available in both short-term and long-term options.
2. Aetna International
Aetna International is a leading provider of health insurance for expatriates. The company offers a comprehensive range of health insurance plans that are designed to meet the needs of expatriates and their families.
The company offers a comprehensive range of health insurance plans that are designed to meet the needs of expatriates and their families.
They offer comprehensive plans that provide access to quality care in more than 190 countries, as well as evacuation and repatriation coverage.
GeoBlue plans are backed by the strength and stability of Blue Cross and Blue Shield companies, and their team of expert customer service representatives are available 24/7 to help members with claims, billing and other questions.
4. Seven Corners
If you’re looking for a comprehensive and affordable health insurance plan for your time abroad, Seven Corners is a great option to consider.
With over 20 years of experience in the international health insurance industry, Seven Corners has a wealth of knowledge and resources to offer its customers.
One of the biggest advantages of Seven Corners expat insurance is that it offers a wide range of coverage options, so you can tailor your plan to your specific needs and budget.
For example, you can choose to add on optional coverages like evacuation and repatriation, dental, and mental health, or you can opt for a more basic plan that covers only essential medical expenses.
Another advantage of Seven Corners is that it has a large network of providers worldwide, so you’ll be able to find quality care no matter where you are.
And if you need to make a claim, Seven Corners will work with you directly to help you get the care and reimbursement you need.
So if you’re looking for a comprehensive and affordable health insurance plan for your time abroad, Seven Corners is a great option to consider.
5. HTH Worldwide
HTH Worldwide is a leading provider of international health insurance for expatriates. Founded in 1974, HTH Worldwide insures over 1 million members in more than 190 countries.
With a comprehensive range of plans, HTH Worldwide offers protection for every stage of life, from students and gap year travelers to families and retirees.
All plans provide access to the HTH Worldwide network of quality providers, which includes some of the world’s leading hospitals and clinics.
HTH Worldwide plans are designed to meet the needs of expatriates, whether they are living or working abroad.
All plans provide comprehensive coverage for medical expenses, including doctor’s visits, hospitalization, surgery, prescription drugs, and more.
Plans also include coverage for emergency evacuation and repatriation, as well as optional benefits for dental, vision, and mental health.
HTH Worldwide plans are available both as standalone policies and as an addition to existing health insurance coverage. Expatriates can choose from a variety of deductibles, copayments, and coinsurance options to tailor their coverage to their needs and budget.
Whether you are a student studying abroad, a digital nomad working from anywhere in the world, or a retiree enjoying your golden years overseas, HTH Worldwide has a plan to fit your needs.
What to look for in an insurance plan as an American expat
As an American expat, you will want to find an insurance plan that covers you for medical expenses, repatriation, and evacuation.
You will also want to make sure that the plan covers you for any pre-existing medical conditions that you may have.
- The plan should provide comprehensive coverage for medical expenses, including hospitalization, surgery, and outpatient care.
- Should cover pre-existing medical conditions.
- Should have no exclusions for medical conditions that are common among expats.
- Should cover maternity and newborn care.
- Should cover mental health and counseling services.
- Should cover prescription drugs.
- Should cover emergency evacuation and repatriation.
- Should have a global network of doctors and hospitals.
- Should have 24/7 customer service.
How to find the best health insurance rates for American expats
There are a few different ways to find the best health insurance rates for American expats. The first is to use an insurance broker.
Insurance brokers are able to compare rates from different insurance companies and help you find the best rate for your needs.
Another way to find the best health insurance rates for American expats is to use an online comparison tool.
These tools allow you to enter your information and then compare rates from different insurance companies. This can be a great way to save time and money.
Finally, you can also contact the insurance companies directly and ask for quotes.
This can be a good option if you know what you’re looking for and you’re comfortable talking to insurance representatives.
Also read: Best Health Insurance Companies for Expats