Being an expat can be both the most amazing experience and also extremely difficult! From new friends and a new life far from your home, planning for your life abroad also means figuring out how to manage your health and medical needs. Finding the appropriate level of health coverage is essential for everyone, especially expats. However, with so many options, it can be stressful to determine which package is adequate for expatriate healthcare. Should you be covered in multiple countries? Should I just get local coverage?
We at E&M Global Insurance offer both domestic health insurance and international health insurance. But what’s the difference exactly?
Domestic Health Insurance
In certain states, immigrants can purchase a non Affordable Care Act plan which are short-term plans varying in length from one month to three years. Non-ACA plans can be renewed yearly, however, it depends on the state of residence.
Affordable Act Plans (ACA) is also another option for Domestic Health Insurance and can be purchased during open enrollment or a Special Election Period. These plans cover all pre-existing conditions and most carriers don’t require a Social Security or Tax ID Number. We can also determine whether one is eligible for subsidies to help offset any plan costs.
International Health Insurance
International health insurance is available in all 50 states and plans don’t require a Social Security Number. They can be purchased before applicants are even in the country and don’t have waiting periods.
We understand that everyone moving to the US is seeking world-class/medical health insurance coverage. We work directly with attorneys, accountants, and regional centers and know the challenges — as well as the advantages — of the programs offered. We not only review your current medical/health insurance policy, but we also ensure any new plan is up to the care you’re accustomed to — and expect.
Questions? Give us a call! Our expert agents are ready and waiting to help!