What Do I Want From My International Health Insurance?
You may be considering a move overseas or you may already reside in a country outside North America. Even though you might have health insurance, this is a good time to reconsider your insurance options. By asking five important questions you will more easily find a career international health plan that best suits your needs.
Will we be content with getting most of our medical care outside the USA? Certain regions provide excellent health care. If you can answer that question in the affirmative, then you can get a plan that excludes all coverage in the USA.
Will we get most of the medical care outside the USA, but want coverage for trips home and the option of getting some medical care in the USA? If this is what you want then consider procuring an international plan that has limited coverage in the USA, but satisfactory coverage for all countries of the world.
Will we get most of our medical care in the USA? If you answer "yes" you will want a plan that provides coverage akin to what is charged by United States medical institutions and practitioners.
Do I want a policy that guarantees long-term international and USA coverage? This is possible for residents of most states of the USA. Naturally this is the best but also the most expensive of all of the career insurance plans
Do I want maternity coverage? If you do, that will eliminate all three-year plans. It will also significantly impact the rates offered on career health insurance plans. In fact, one good career plan charges ,500 a year extra for maternity.
Jeff Gulleson is the President of Good Neighbor Insurance that represents 10 international health insurance companies and provides international health and travel insurance for every country in the world. Email us to get an international health insurance quote.
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