Unlicensed Health Insurance: What’s Available?

June 8, 2021 0 Comments

Some international workers, to save money on premiums, are buying international health insurance plans that exclude coverage in the US Others, working in countries with good national health care plans, opt for those plans. In both cases, these workers need health insurance coverage when they return to the US.

If you live abroad and do not have an insurance plan that includes coverage in the US, suppose you will travel frequently from your country of residence to the US Be prepared.

Gone are the days when international workers returned to the US once every 4-5 years. Now transcontinental travel has never been easier. Permits are short and taken frequently, sometimes once every two years for 1-2 months at a time. Parents return to the US for their children’s college graduation or for a wedding. A son returns home to spend time with a sick father. Business meetings or conferences are often held in the US and require frequent travel. Permits are short and taken frequently, sometimes once every two years for 1-2 months at a time.

Generally, the easiest and sometimes the only options for workers on leave in the United States are short-term plans. Some of these plans offer daily rates and other monthly rates. The rate per day is a better option. With monthly, if you need health insurance coverage for 34 days, you will need to purchase coverage for two full months.

It’s important to remember that short-term plans don’t cover pre-existing conditions, checkups, preventive care, maternity, and immunizations. If you want coverage with these benefits, you will need to enroll in a US-based international long-term health insurance plan.

If a person returns to the US and has no plans to return abroad, there are several short-term health insurance plans available. The minimum coverage is one month, but the coverage can be contracted for up to three years. Since there are a variety of deductibles, there are a variety of fees. For example, a 28-year-old man can be covered with a $ 500 deductible and 80/20 coinsurance for $ 75 per month or $ 101 per month, depending on the plan chosen. Obviously, as the deductible increases, the fees go down. You can apply for month-to-month coverage and also cancel the insurance whenever you want.

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