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That could be because for the really expensive stuff they'll pay for you to be transported back to your home country, where your primary insurance will treat yo

That could be because for the really expensive stuff they'll pay for you to be transported back to your home country, where your primary insurance will treat you.

nraynaud 8y ago
I am a foreigner in the US, and I am not eligible to health insurance at home anymore, there is a residence condition.
jwr 8y ago
No, that is not the type of insurance I was writing about. To take an example, take a look at Patriot America Plus from https://www.visitorscoverage.com/visitor-health-insurance/plans/ https://www.visitorscoverage.com/visitor-health-insurance/pl... It does include the acute onset of pre-existing conditions, $250 total yearly deductible, 100% percent in-network coverage. But it is not available to US residents, only for short term (up to two years) stays.
- IncRnd 8y ago
  From Patriot on that page, "Cannot accept an address in Maryland (MD)."
- kalleboo 8y ago
  > The Patriot America Plus Plan is available for any non-US Resident , visiting the USA for a short period of time > Pre-existing conditions are not covered by Patriot America Plus Plan It requires you to already have insurance somewhere else, and they expect you to go home for anything chronic (expensive). It sounds exactly the same as any travel insurance you can get in your home country (and is included in many fancy credit cards) You said "expats" before, but ex-pat implies residency in the US. Tourists/business travelers are a whole other ballgame. They're just protecting against not getting hit by a car when they're at their week-long conference. They're all limited in scope of their costs by their visitor's visa duration (typically 90 days)
- yc2050 8y ago
  Maximum coverage limits are low on these plans. This is definitely a contributing factor. Since the affordable Care Act passed, there are no maximum coverage limits. This has increased the cost of health care dramatically.

That could be because for the really expensive stuff they'll pay for you to be transported back to your home country, where your primary insurance will treat you.

nraynaud 8y ago

I am a foreigner in the US, and I am not eligible to health insurance at home anymore, there is a residence condition.

jwr 8y ago

No, that is not the type of insurance I was writing about. To take an example, take a look at Patriot America Plus from https://www.visitorscoverage.com/visitor-health-insurance/plans/ https://www.visitorscoverage.com/visitor-health-insurance/pl... It does include the acute onset of pre-existing conditions, $250 total yearly deductible, 100% percent in-network coverage. But it is not available to US residents, only for short term (up to two years) stays.

IncRnd 8y ago
From Patriot on that page, "Cannot accept an address in Maryland (MD)."
kalleboo 8y ago
> The Patriot America Plus Plan is available for any non-US Resident , visiting the USA for a short period of time > Pre-existing conditions are not covered by Patriot America Plus Plan It requires you to already have insurance somewhere else, and they expect you to go home for anything chronic (expensive). It sounds exactly the same as any travel insurance you can get in your home country (and is included in many fancy credit cards) You said "expats" before, but ex-pat implies residency in the US. Tourists/business travelers are a whole other ballgame. They're just protecting against not getting hit by a car when they're at their week-long conference. They're all limited in scope of their costs by their visitor's visa duration (typically 90 days)
yc2050 8y ago
Maximum coverage limits are low on these plans. This is definitely a contributing factor. Since the affordable Care Act passed, there are no maximum coverage limits. This has increased the cost of health care dramatically.