But a company that offers benefits already has an insurance contract with a broker and provider. That policy probably doesn't cover anyone outside the country;

But a company that offers benefits already has an insurance contract with a broker and provider. That policy probably doesn't cover anyone outside the country; it may not even cover people in or out of certain states. So your remote benefits, while possibly cheaper, are a one-off, and a company may be reluctant to bother with such an unknown.