In the United States, the patient is responsible for their medical expenses. Most people have insurance to help pay for their regular health care and in case of emergency. Insurance plans go from almost full-coverage to very poor plans that make the patient pay for just about everything. Insurance tends to be very expensive in America, but it is impossible to enter the country without it and in case of emergency it is especially essential. Many plans are offered through companies for their employees and usually offer the best coverage with automatic deductions being made out of their paycheck.
Healthy San Francisco is a fairly new program in San Francisco that is working to change what is the norm in the United States. Qualified residents can get low cost insurance through the city that focuses on preventive care rather than treating sick patients.
If you do not qualify for Healthy San Francisco and the company you are employed with does not offer this program, insurance can be purchased independently from a number of providers. Check into plans carefully to be clear on exactly what you are covered for and what kinds of co-pays are expected.
Basic health insurance in the US is not designed for expatriates who, for example, may want medical care in their home country or access to many facilities. Therefore, many expatriates find it advantageous to take an expatriate health insurance. Costs depend on age, where you live and for which countries you want to be covered. Most people get it through their work.
Travel insurance is a good option if you are planning on just visiting another country. Travel Insurance ensures the safety and worry-free nature of your trip. Without appropriate travel insurance, you may be exposed to significant financial liability. You will find more details in our Travel Guide.
Update 16/01/2013
Expatriate health insurance in the United States
With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to San Francisco is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in the United States So, before leaving, make sure you have appropriate cover!
Cigna is one of the world's biggest international insurers with more than 30 years' experience in providing global health insurance across 200 countries and territories. They have access to more than 1.65 million hospitals, physicians, clinics and specialists worldwide.
Cigna Global's flexible plans are specifically designed for expats and globally mobile individuals who move to the United States. All their plans can be tailored to your individual requirements in the United States, always finding the right healthcare solution, whatever the situation and budget.
Getting a health insurance quote
Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.
Click on the button to access the online tool and get a quote in 2 minutes.