Almost all international health plans will either include medical treatment in the USA or exclude it. Some global medical plans will give individual expatriates the option to purchase coverage in America at an extra cost. For some plans, this can mean a much higher premium while others may include it for American nationals residing abroad at a fraction of the cost. Most American expats living abroad will seek out a global medical plan that provides for the USA because if they suffer a severe medical illness or injury, the expat will most likely want to seek medical treatment back home in the USA. For non-US citizens who are residing in the USA who are not eligible for a local health plan on a group or individual basis, it is critical that one purchase a medical plan that includes treatment in the United States.
If you are an expatriate who is living abroad and often travel to the United States, it is also critical to get the USA coverage option. For non-US expats residing in a country that is close to the USA, it is also advisable that you get the USA coverage option because the local medical system in your host country may not be able to handle a severe medical claim and you may be sent to the USA for medical treatment. This is especially important for expatriates who reside in the Caribbean, Mexico and even Central and South America. Yes, it will add to your monthly premium, but you do not want to be in the USA without medical insurance, mainly if you are evacuated to a hospital in Miami or California for treatment.
While some individual expat health plans will cover emergency medical treatment in the USA, some expats who do not wish the substantial cost of including coverage in the United States will choose to purchase single or multi-trip travel medical coverage for any trips to the USA. It is important to contact your international health insurance needs with an expat insurance expert and weigh the costs and benefits of having an international health insurance plan that provides full coverage in the United States of America. Expat Financial provides a variety of individual health plans that can provide global coverage – including Cigna, BUPA, IMG and Allianz. The Cigna Global Health Options plan offers very attractive rates for Americans living abroad who require access to treatment in the United States.