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Do not plan to spend any significant time in the USA without
health insurance. Accidents happen!Do no assume your coverage in
the UK will be sufficient to cover you in the USA. Do not put your
health and that of your family at risk by not having sufficient
health care coverage.
Health Insurance coverage should at a minimum cover |
- Hospital Room and Board
- Intensive Care
- Medical Expenses
- Outpatient Medical
- Ambulance
- Doctor Visits
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Optional Items should include |
- Emegency Evacuation - The option to evacuate you back to the
UK if you are seriously injured or ill.
- Dental Coverage
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Some Health Insurance terms you will be confronted with include |
- Deductible - Deductibles are provisions
that require you to accumulate a specific amount of medical
bills before benefits are provided. For example, if the policy
contains a $250 deductible, the you must accumulate $250 in
covered expenses before reimbursement begins. Most traditional
plans feature a $200 to $500 deductible, and then pay 80% to
100% for covered services. With any plan, the higher the
deductible, the lower the premium.
- Coinsurance - After deductibles are met, the plan
begins paying a percentage (usually between 80% to 100%) of
covered services. The remaining amount, called coinsurance, is
borne by you. Coinsurance is a form of cost sharing.
- Co-payment - Usually a fixed fee ($5, $10, $15, $20) you pay
to at the time covered services are performed. The level of
co-payment is determined by the benefit option. Co-payments are
applied to office visits, emergency room visits, hospital
admissions and other medical care under some products.
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For information on plans and to apply for insurance visit
our recommended foreign national insurance specialists
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