- Plans that provide lifetime coverage overseas and in the USA. The coverage is seamless–you can leave and return to the USA at your leisure and always have insurance coverage.
- Plans that put temporary or permanent riders on pre-existing conditions. Sometimes these exemptions for pre-existing conditions or the waiting period will be waived with a Certificate of Credible Coverage. In lieu of a Certificate (Since some companies are no longer issuing them) we can try submitting other forms of proof such as a certificate of issuance, medical I.D. cards proving current coverage, a Certificate showing the last day of coverage, etc.
If the company puts temporary riders, e.g., two-, three-, or five-year riders on a condition, after that time period, pre-existing conditions will be covered. Sometimes the only way to get coverage anywhere is to accept a permanent rider.
- Plans that put a waiting period on pre-existing conditions. Generally this waiting period is two years. Sometimes companies also will include permanent riders. Plans like this are acceptable if you are not concerned about the pre-existing conditions. (See above in regards to waiving the waiting period using a Certificate of Credible Coverage.)
- Plans that exclude coverage in the USA or in the USA and Canada (And in some cases, select nations or cities in Asia). These plans are always less expensive than the plans above (No. 1) because they are excluding the location(s) of the most expensive medical care in the world. If you live in an area where the medical care is very good, you may prefer a plan like this. We heard recently that one individual had a heart transplant done in Germany for $25,000. The same operation would cost $250,000 in the USA.
Good Neighbor Insurance carries all of these types of plans. You can get a good overview of them at https://www.gninsurance.com/health/.
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.