When you expatriate to the United States, you come up against a very expensive healthcare system. The obamacare law under Trump is in jeopardy, he has planned health insurance reforms, access to public programs remains very limited for foreigners.
So it’s essential to take out an international health insurance policy in the USA offering coverage tailored to these specific needs. Mondassur sets itself apart by offering extensive coverage and letting you choose your benefits. So you can deal with unforeseen medical circumstances without incurring excessive costs.
Obamacare definitively repealed?
Donald Trump’s new presidency is marked by recurring promises to repeal Obamacare (or the Affordable Care Act). In addition, he wants to implement new reforms to weaken its scope.
Among these initiatives was the abolition of the requirement to have health coverage, as well as support for several lawsuits seeking to overturn the ACA. Despite these actions, Obamacare remains in force, ensuring that Americans living in the United States continue to have access to the benefits provided by the law.
As an expatriate, this situation reinforces the importance of taking out international health insurance. Mondassur is able to meet your specific needs, if you’re based in the USA. Whether or not the ACA is eventually repealed, its coverage remains very limited. Private health insurance, on the other hand, offers far more comprehensive protection, specifically designed to meet the needs of expatriates.
Choosing health insurance in the United States
Choosing health insurance in the United States can seem complex. What criteria are important? Which insurance system should you choose? Before making your decision, carefully assess your needs (budget, healthcare network, specificities linked to your status) to select the solution best suited to your profile and lifestyle. You may also be required to take out insurance in order to obtain a visa. Indeed, medical insurance in the USA may be mandatory with an immigrant visa.
Is there such a thing as American public health insurance?
As an expatriate, you are not eligible for American public programs (Medicaid, Medicare, etc.). This is because you have to meet very specific eligibility criteria. For example, Medicaid is reserved for low-income people with a certain migratory status (permanent resident, refugee, etc.). Medicare, on the other hand, is mainly aimed at senior citizens or certain disabled people.
It will be difficult for you to gain access to these programs. What’s more, these programs don’t offer comprehensive coverage like Mondassur, for example. Our international health insurance in the USA is much more comprehensive, and will enable you to deal with any unforeseen medical situation abroad.
Private insurance for comprehensive coverage in the USA
Opting for private international health insurance is a must when expatriating to the United States. It is very useful in view of the very high cost of care and the complexity of the American medical system. An international insurance plan, such as Mondassur, will be better adapted to the American system in terms of coverage and price than a local plan.
To give you an idea of the priorities, here are the essential aspects to consider when spending on your health insurance:
- Hospitalization: This is the most expensive item, costing up to $10,000 for a simple, uncomplicated hospital stay (and hundreds of thousands of dollars if you undergo major surgery or intensive care, for example).
- Routine care: Even without a major emergency, regular consultations. A general practitioner can charge up to $150, whilean appointment with a specialist can exceed $300.
- Repatriation: In the event of a critical medical situation, the possibility of being repatriated to your home country can be essential.
- Healthcare network: The advantage of choosing Mondassur is that there is no imposed network of practitioners. In fact, you are free to consult the healthcare professional or establishment of your choice. There are no restrictions on your choice.
Mondassur’s flexibility, combined with extensive guarantees and worldwide coverage for occasional travelers, far exceeds what most local insurance companies offer.
