CHOOSING AN INSURANCE PLAN - HEALTH INSURANCE COVERAGE

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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

HEALTH INSURANCE COVERAGE HERE, THERE, OR HERE & THERE?

The least expensive international health insurance coverage is coverage that only covers a person outside the USA and Canada. The problem with this kind of coverage is that if you develop a chronic medical condition and want to return to the USA you will have no coverage. Yet the rates are excellent. For a couple in their early forties who do not want maternity coverage the annual rate for a $1000 deductible would be: $2,136 a year.

The most expensive coverage is a plan that guarantees lifetime coverage outside and inside the USA. This plan would provide on-going medical coverage in the USA if a person returned to the States with a chronic condition. The same couple as listed above would have to pay $7,272 a year for this kind of coverage.

The middle ground between those two options is a plan that will give limited coverage in the USA, at least six months and up to a year if the individual intends to return overseas. And the person would have coverage in the USA and Canada during furloughs. The annual premium in this case would be $2,848.

Good Neighbor Insurance also provides health plans limited just to the USA. The couple above, if they applied for a Blue Cross plan in Arizona with a $1,000 deductible, would have an annual premium of $5,712.