As an American citizen, you’re most probably used to a certain level or standard of healthcare — but now that you’re moving (or have moved) away, you most probably want to make sure you’ll still be able to have that kind of healthcare overseas.
Having health insurance for American expats can go a long way towards setting your mind at ease. Thing is, it’s not just a question of picking out or even affording a plan — it’s also about making sure you steer clear of the trouble that comes with not following ACA requirements.
But more on that, later. First, let’s get a look at the basics of making sure you’re covered (the way you’re used to) in case you get sick or have a little mishap while you’re abroad.
US Healthcare Won’t Cover You Outside of the US
Before anything else, you need to understand that your privileges as a US citizen who is covered by the US healthcare system will not apply the minute you leave the country. Whether you get a hangnail in Hong Kong or a heart attack in Hungary, Obamacare will not pay for it.
Even if you go to a country that has free healthcare (usually subsidized by their government), that’s really only for the citizens of that country — and since you’re American, that doesn’t include you.
And even if you go to a country where the exchange rate gives you more bang for your US buck, the cost of going to the hospital or getting emergency care can still take a significant chunk out of your finances.
US Healthcare Laws Will Still Apply to You
But the real catch-22 here is that the ACA or the Affordable Care Act will still have some say over your healthcare. Depending on how long you’ll be away, for instance, your insurance might still have to meet ACA requirements.
You’re going to have to check the specific ACA provisions against your immigration plans to stay on the safe side, or ask your insurance company to make doubly sure.
What’s Covered by Health Insurance for American Expats?
A lot of what’s covered and for how long when it comes to insurance plans for US citizens overseas will depend on what “expat” means for the insurance company. Just getting over to another country and moving into an apartment doesn’t automatically make you one, at least not in the eyes of who you bought your plan from.
But if and when you do check all the “You Are An Expat If” boxes, your coverage will usually include:
- Medical and Dental
- Urgent Care and Medical Evaluation
Some plans also come with maternity and pediatrics, while others will also give you telemedicine and evacuation in case of a political crisis in the country you’re in. Still other plans will let you pick and choose which benefits you want included, and even cover you whichever country you end up in.
What May NOT Be Covered by Health Insurance for American Expats
Be aware, though, that the insurance for US expats you get to cover you overseas, may not cover you while you’re back home. Say a friend back in the States is having a major birthday or anniversary celebration, or, you get homesick and just want to visit. If you see yourself visiting home once in a while, you’re going to want to double check your coverage.
Getting the Best Health Insurance for US Expats — For You
Everyone has their own unique circumstances, so even if you and your family are among the millions of Americans living and working outside of the US, the best health insurance for them may not work so well for you.
To wrap things up, here are some pointers for picking out a health insurance plan while you are overseas.
- Find out whether there are any ACA requirements your insurance plan needs to meet.
- Figure out how long you’ll be abroad and whether you’re likely to visit back home.
- Figure out how much the coverage is really worth in the country you’ll be staying in.
- Find out which healthcare facilities in that country are able to give you that same level or standard of care you want and whether they accept the insurance you’re looking at.
- Scrutinize the fine print that talks about exclusions, penalties, portability, and limitations.
- See whether there are cost-effective alternatives for getting the benefits you need.
Also Read: Health Coverage Options for Expats in France: Public vs. Private Insurance
