CHOOSING AN INSURANCE PLAN - EXCLUDED USA COVERAGE HEALTH RATES

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HEALTH RATES IF COVERAGE IN THE USA IS EXCLUDED

With soaring insurance costs everyone is looking for a way to control their health insurance premium. One way is to take out a long-term policy that only provides coverage outside the USA. Then, when you come on furlough, take out a short-term policy for furlough coverage. Here is a comparison of what rates look like when US coverage is excluded for a couple in their early thirties with two children under nine and a $1000 deductible: Including coverage in the USA = $2258 per year; Excluding coverage in the USA = $1694 per year. Thus rates excluding the USA are 25 percent lower. Of course, you would need furlough coverage which would be about $150-$200 per month during your furlough, depending on deductibles, etc.

  1. Individuals usually want to receive medical care in their home country for serious illnesses
  2. If you are in Europe or certain places in Asia or South Africa, you can get excellent medical care, plus there are excellent world-class hospitals in many other countries
  3. Preexisting conditions are not covered on short-term plans

However, for those who are interested in cutting the cost of their insurance, excluding the USA in a policy is an option.

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