International Health Insurance
Gain valuable insights and practical tips for navigating international health insurance while living abroad. From coverage details to expert advice, this comprehensive guide helps travelers…
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The United States healthcare system is known worldwide for two things: the first-class, cutting-edge medical care provided at the country’s hospitals and the unique insurance system that can make receiving medical treatment confusing and potentially very expensive for visitors and expatriates.
Whether facing a medical emergency or opting for elective treatment, expats and visitors alike can expect a high standard of healthcare across the United States–but you should be aware of the costs and limitations of treatment for foreigners without health insurance.
Unlike many countries with extensive public healthcare systems, most clinics and hospitals in the United States are privately operated. The country maintains an impressively large number of hospitals with more than 5,700 facilities across the United States.
Like many other countries, most hospitals are located in urban areas: about 3,000 of the U.S.’s hospital facilities are within major metropolitan areas, with only about 2,500 serving the country’s vast rural areas.
However, while in-depth specialty care for diseases such as cancer is typically concentrated in a handful of large urban hospital networks, emergency care is widely available in even the most sparsely populated areas of this large country.
Public hospitals do exist in the United States, particularly in urban areas. Like their counterparts in other countries, the U.S.’s public healthcare facilities are often more crowded than private hospitals, leading to longer wait times.
Even public hospitals in the United States carry high treatment costs; however, these facilities are less likely to require an expat or visitor without adequate insurance to pay their entire medical bill upfront.
The high-quality and widely available medical care offered at hospitals in the United States comes at a price. For reference, U.S. citizens spend more than five times the amount on healthcare than the next highest country, and that’s with insurance.
The United States is notable for not requiring expats or visitors to maintain a health insurance plan. However, because emergency room bills can easily amount to thousands of dollars (or more) for even routine visits, obtaining medical insurance is highly advisable for short- and long-term visitors to the United States.
Remember that if you do not have health insurance and cannot demonstrate an ability to pay before receiving treatment, U.S. hospitals are not required to provide more than the minimum necessary medical care for emergencies.
If you face a medical emergency anywhere in the country, getting assistance is simple: dial 911. Ambulance services are privately run and often affiliated with the nearest hospital.
Still, service is almost always uniformly quick, and ambulances are generally well-maintained and equipped with the necessary equipment.