Health coverage in the USA

Whilst it is among the best in the world, the American healthcare system is also one of the most expensive, especially since it is not backed by a universal health insurance system. In order to meet their healthcare expenses, most citizens and residents in the United States can only rely on their private health insurance, either local or international.

Get a quote according to the duration of your stay:

Health insurance for expats in the U.S.

How does the healthcare system work in the U.S.?
 

The United States does not have a universal health insurance system. While social assistance provides coverage to disadvantaged households through Medicaid and Medicare, other citizens and residents rely on private insurance to access the U.S. healthcare system

  • Either provided by their employer: Companies with more than 50 employees are obliged to offer insurance to their employees working more than 30 hours a week;
  • Or taken out individually: Made mandatory by Obamacare, individual insurance has been optional again since 2019 (except in certain states that have decided to maintain the mandatory provision). 

Important to know: As the coverage provided by employers is not always sufficient, many employees take out additional individual health insurance.

> Learn the latest about Obamacare health reform


How to choose health insurance in the United States: local or international?
 

U.S. health insurance plans are divided into 5 categories, depending on the level of coverage:

  • Catastrophic coverage (for people under 30 and for people with a hardship exemption)
  • Bronze (60% of healthcare costs)
  • Silver (70% of healthcare costs)
  • Gold (80% of healthcare costs)
  • Platinum (90% of healthcare costs)

You can compare the different plans’ terms and conditions as well as rates on an official marketplace. Beyond that, you should pay close attention to the specific conditions of contracts, which often include:

  • Copayments (mandatory out-of-pocket expenses for certain treatments)
  • Fee-for-service deductibles
  • Annual deductibles (maximum out of pocket)

Another option is to choose international health insurance. This is often advantageous as it offers levels and conditions of coverage that are often superior to those of U.S. insurers, as well as specific guarantees that are particularly useful for expats.

What is the cost of healthcare in the U.S.?

Liste exemple remboursements

GP CONSULTATION

For a consultation with a general practitioner, you will have to pay around USD 230 or €197.

APRIL International up to 197 €*

Out-of-pocket expenses 0€**

DENTAL SCALING

A scaling at a dentist's office costs around USD 1,000 , or €856.

APRIL International up to 856 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - APPENDICITIS

An appendectomy (5 days in hospital) will cost you USD 50,000 or about €42,800.

APRIL International up to 42800 €*

Out-of-pocket expenses 0€**

Disclaimer

Reasonable costs of care in the private sector, APRIL International Care 06/2018.

Examples of rates(1), reimbursed from 60 to 90% maximum through local U.S. health insurance (excluding deductibles and copayments)

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in the United States

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Where to get treatment in the US?
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Choosing hospitals in the U.S.
 

The U.S. healthcare system is one of the best in the world: state-of-the-art infrastructure and equipment and qualified professionals in both the private and public sectors. Every year a number of organisations list the various U.S. hospitals according to their specialties.

However, public institutions suffer from structural saturation, which often imposes on patients very long waiting times, and sometimes uneven conveniences from one facility to another. Thus, private hospitals are key when looking for speedy care, but their rates are much more expensive.

The above disadvantages can be circumvented by using the private hospitals listed by your international health insurance company: these healthcare networks, which have been carefully set up, guarantee both an excellent quality of care and adjusted treatment rates. 
 

 

Titre phone establishment list
Health facilities

Phone establishment list

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Emergency numbers in the U.S.

Phone display list
Label
All emergencies (health, police, fire)
Phone number
Services group
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Title
COVER IN ALL THE STATES
Description
Coverage throughout the various U.S. states (which is not always the case for local insurance), or even in other countries
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Title
OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care in some plans
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Title
TELEMEDICINE SERVICE 24/7
Description
Free telemedicine service available anywhere in the world
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Title
ACCIDENTS & UNFORESEEN EVENTS
Description
Repatriation assistance is included in your insurance
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Title
NO UPFRONT FEES
Description
We advance the costs in the event of hospitalisation, you won't pay anything out of pocket
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Title
PRIVATE HOSPITALS
Description
Reimbursement of health expenses from the first euro/dollar spent, including in private hospitals

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We care about our clients

The opinion of our customers is important and allows us to better meet their expectations. To this end, we collect the opinions of our policyholders via a questionnaire sent by the independent platform eKomi.

We care about our clients

08/07/2022

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08/07/2022

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28/06/2022

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