Health Insurance in the USA

Health Insurance in the USA

The term health insurance is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a social welfare program funded by the government.

Health Insurance for Expatriates

Most expat employees take advantage of group health insurance plans offered by their employer. They can be extended to also cover the employee´s spouse or the entire family.

Usually, there is a choice of different packages. For example, plans with high monthly contributions expect individuals to pay only a low share of the costs incurred through medical treatment.

General Health Advice

No common health risks are known at present in the United States. General health, safety and hygiene standards are high, and there are no special immunization requirements. Expats with families whose children are likely to attend school in the USA should, however, make sure that the child´s standard vaccination record is up to date and that no booster injection is outstanding.

There are numerous public and private hospitals across the country. Private hospitals often have more modern facilities and better service, but are considerably more expensive. Public hospitals that are affiliated to a near-by university are usually better equipped than standard public hospitals.

The daily cost for hospital treatment can be quite high, and any bills arising from emergency treatment usually need to be settled immediately. If specialist treatment is not required, walk-in clinics in drugstore or supermarket chains offer a cheaper and increasingly popular alternative to doctors. They are staffed by nurses and physician assistants and mostly provide fast and reliable service

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