International Health Insurance in the USA
The USA is recognised as a land full of opportunity and excitement – perfect for students and expats looking for a new spot to learn, live and thrive. From the ‘Big Apple’ to California, the USA has plenty to offer to visitors and new citizens from across the globe.
If you’re planning to move to the USA, getting international health insurance should be at the top of your to-do list. Universal healthcare is not readily available in the US, nor does the government fund health insurance for expats or foreign students in the USA.
By getting private healthcare insurance with Cigna Healthcare, you can ensure that you’re covered for your medical expenses.
How does the healthcare system work in the USA?
In the USA, there is no universal healthcare in place for residents or visitors. All medical costs must be covered by private insurance. This is usually paid for by the individual or their employer. The country does, however, offer health plans to the elderly, disabled and young through schemes such as Medicare and Medicaid.
As a result of this system, it’s possible to rack up huge bills if you need emergency care while uninsured. Research has shown that a quarter of Americans owe $10,000 or more in medical debt.
The US medical system is also under significant pressure, with a reported lack of nurses, physicians and specialists in hospitals and health centres – resulting in many Americans failing to get the medical care they need.
If you’re living in the USA or planning to move there, one of the best ways to ensure that you receive quality healthcare is by getting private health insurance with Cigna Healthcare. We offer a range of services including expat insurance in the USA and USA student health insurance.
Pros and cons of using the USA’s health system
Pros
- High quality medical services funded through private access.
- Waiting lists can be short for major procedures.
- Peace of mind in knowing that you’re covered if you have adequate insurance.
Cons
- Some insurance policies can be expensive.
- Could still face medical debt.
How can international health insurance help you in the USA?
Getting international health insurance in the US can help by providing you with access to professional medical services when you’re in need. Great peace of mind can come with knowing that you’re covered.
Plus, at Cigna Healthcare, we aim to offer plans that suit your individual needs, so you can rest easy knowing that you’ve got quality cover should you ever need it.
Choosing your international health insurance
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Cigna Global Health Options Plans
Overview
The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: $1,000,000
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Newborn care cover
Overview
Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: $2,000,000
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Inpatient Maternity
Overview
Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: Paid in full
- Inpatient and daypatient treatment
- Private room
- Full cancer care
- Inpatient Maternity
- Mental and Behavioural Health care paid in full
Cigna Close Care℠ Plan
Overview
An essential health plan created for those who need coverage only in their country of residence, and their country of nationality.
Available additional modules:Core hospitalisation cover overview:
- Annual benefit limit: $500,000
- Condition limit: $250,000
- Inpatient and daypatient treatment
- Semi-private room
- Full cancer care
Why choose Cigna Healthcare for health insurance in the USA?
- We have a global network of 1.5 million hospitals and healthcare professionals.
- Get access to medical support in over 200 locations worldwide.
- Our multilingual service centres are open 24/7.
- Get a quote for your insurance in just two minutes online.
FAQs
No, international visitors, students or otherwise, do not receive free healthcare in the USA. If you’re planning to study in America as an international student, you should sign up to a private healthcare policy.
Yes, there is health insurance for international students available in the USA. If you’re staying in the US as an international student, it is recommended that you get student health insurance to cover yourself should you ever need medical treatment.
Take a look at our USA student and expat insurance plans to find a suitable policy for your needs.
Foreign travellers, expats and students in need of medical care in the USA will have to pay for any medical treatment they receive if they do not have valid insurance.
Prices are likely to be high – it’s claimed that getting a few stitches at a hospital emergency room can cost hundreds of dollars. Thus, it’s recommended that all visitors get private insurance.