4 ms·

So there aren't any insurance with 100% coverage? He would always have to pay some percent of the final costs? I'm a french expat living in China and I get 100

by gommm 16y ago

So there aren't any insurance with 100% coverage? He would always have to pay some percent of the final costs? I'm a french expat living in China and I get 100% coverage (up to 3 million dollars) everywhere in the world except the US and canada for 3250$/year. To also have coverage in the US, it would cost me almost double price... As a side note, when I was researching insurances for expats, I found that American insurances like Allianz had a lot more exclusions than European ones...

noahc 16y ago
I am sure there are 100% coverage plans, but I would expect them to be very expensive. Many health insurance plans basically say, the most you will pay in one calendar year is $x,xxx. Since it's so early in the year and assuming his year starts on Jan 1st, I would expect that he will have some expense for the doctors visit. A personal example,I pay the first $3500 dollars of medical expenses and most things after that are covered. I pay about $2500 a year for high deductible insurance. So the most my out of pocket expenses for the year would be ~$6000. Because I'm a part of an insurance plan they've pre-negotiated rates with hospitals for me. My full medical expenses for the year tend to be around $3000 ($2500 insurance payments + $500 medical expenses).
- gommm 16y ago
  Ok, then I actually have something similar... I can get the insurance 1100$ cheaper if I agree to a 1250$ yearly deductible.. And actually your insurance is then about the same price as it would cost me to have worldwide coverage including US and Canada as someone who is under 30 years old. Except that I can't have a deductible this high...
pyre 16y ago
Why is Canada excluded?
- gommm 16y ago
  Good question, most of the expats insurances I've seen exclude both Canada and US except if you pay the higher version... I've never been to Canada so I don't know how the healthcare situation and cost is there.
nolite 16y ago
gommm, can you recommend me your insurance provider? That sounds really interesting
- gommm 16y ago
  I've just sent you an email

by gommm 16y ago

noahc 16y ago

I am sure there are 100% coverage plans, but I would expect them to be very expensive. Many health insurance plans basically say, the most you will pay in one calendar year is $x,xxx. Since it's so early in the year and assuming his year starts on Jan 1st, I would expect that he will have some expense for the doctors visit. A personal example,I pay the first $3500 dollars of medical expenses and most things after that are covered. I pay about $2500 a year for high deductible insurance. So the most my out of pocket expenses for the year would be ~$6000. Because I'm a part of an insurance plan they've pre-negotiated rates with hospitals for me. My full medical expenses for the year tend to be around $3000 ($2500 insurance payments + $500 medical expenses).

gommm 16y ago
Ok, then I actually have something similar... I can get the insurance 1100$ cheaper if I agree to a 1250$ yearly deductible.. And actually your insurance is then about the same price as it would cost me to have worldwide coverage including US and Canada as someone who is under 30 years old. Except that I can't have a deductible this high...

pyre 16y ago

Why is Canada excluded?

gommm 16y ago
Good question, most of the expats insurances I've seen exclude both Canada and US except if you pay the higher version... I've never been to Canada so I don't know how the healthcare situation and cost is there.

nolite 16y ago

gommm, can you recommend me your insurance provider? That sounds really interesting

gommm 16y ago
I've just sent you an email