MEDICAL COVERAGE WHILE IN THE USA - FURLOUGH INSURANCE

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FURLOUGH INSURANCE

Some international workers choose the socialized health care offered in their country of residence. Others have plans that will cover them anywhere in the world except in the USA. Others have no health insurance at all, feeling that medical costs are so inexpensive in their country of residence that health insurance is not necessary. Yet, all of the above are concerned about having insurance when they come home on furlough. Is there such a thing as furlough insurance?

The best option is to have an international health insurance plan that provides insurance coverage in the USA. We have several plans that will give coverage in the USA as long as a person is outside the USA six months in every policy year. We have one company that permits a one-year furlough.

But for those who do not want a career international health insurance plan, there are still several options. If they intend to return to their field of service, there are several companies that will let them apply for similar coverage that a non-American would purchase when visiting the USA.

Also, in every state a person can purchase short-term major medical insurance for two weeks up to one year. These short-term plans do not cover pre-existing conditions, nor do they offer co-pays or wellness check-ups, but they do protect a person from a catastrophe. Short-term health insurance rates are relatively inexpensive, being around 40 percent less expensive than a traditional long-term health insurance plan.