In the United States, the patient is responsible for their medical expenses. Most people have insurance to help pay for their regular health care and in case of emergency. Insurance plans go from almost full-coverage to very poor plans that make the patient pay for just about everything. Insurance tends to be very expensive in America, but it is impossible to enter the country without it and in case of emergency it is especially essential. Many plans are offered through companies for their employees and usually offer the best coverage with automatic deductions being made out of their paycheck.
If the company you are employed with does not offer this program, insurance can be purchased independently from a number of providers. Primera and Blue Shield offer a variety of options. The Yellow Pages have a complete listing of insurance companies in your area. Check into plans carefully to be clear on exactly what you are covered for and what kinds of co-pays are expected.
Basic health insurance in the US is not designed for expatriates who, for example, may want medical care in their home country or access to many facilities. Therefore, many expatriates find it advantageous to take an expatriate health insurance. Costs depend on age, where you live and for which countries you want to be covered. Most people get it through their work.
Travel insurance is a good option if you are planning on just visiting another country. Travel Insurance ensures the safety and worry-free nature of your trip. Without appropriate travel insurance, you may be exposed to significant financial liability. You will find more details in our Travel Guide.
With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to New York City is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Usa. So, before leaving, make sure you have appropriate cover!
EasyExpat.com works in partnership with APRIL International to provide specific insurance solutions for travelling or staying outside your country of nationality.
Designed for either short or long stays, APRIL International’s insurance policies offer protection against any problems that might arise before departure or during your time in Usa: cancelling your trip, medical expenses following an illness or accident, needing to be repatriated, causing damage to a third party or losing your luggage.
For more information on expat health insurance in the Usa, visit our partner APRIL International