Health coverage in the U.S.: new 2011
Health coverage in the U.S.: new 2011
French Morning offers a monthly meeting monthly to manage your assets with the help of Crystal Financial Group, the leading independent wealth management intends to French nationals abroad. Founded in 1992 and now in the U.S. for 15 years, offers a complete asset and adapted to the specific needs of the French non-resident expatriates. This month our meeting on the foresight and abroad including the French health coverage in the U.S..
What changed in 2011: inflation rates
Again this year the U.S. insurers will increase their rates consistently because of medical costs increasingly important. It is a paradox because in general in times of crisis, prices tend to decline. But in fact the crisis amplifies the phenomenon. Insurers are faced with inflation of medical costs of their policyholders. And insurers are obliged to pass their costs by increasing insurance premiums. For example one of the largest U.S. insurers are increasing tariffs by more than 25%.)
Due to spending more and more large policyholders, some insurers Europeans present in the U.S. have even decided to stop covering the risk in the U.S. also takes the decision to no longer cover their clients on the U.S. zone.
Crystal Finance develops medical insurance business for over 10 years. It uses a priority group for VANBREDA International customers in the USA. VANBREDA is an insurance group specializing in the expatriate market. Crystal Finance distributes products exclusively VANBREDA USA and selected the contract of insurance ExpatPlus for its customers, individuals or businesses.
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For the year 2011, despite rising premiums Product ExpatPlus, the contract will remain highly competitive with products from U.S. insurers also presenting guarantees much higher.
Indeed, medical coverage is offered worldwide, there is no network (can visit any doctor or treatment in any hospital), and hospitalization is covered at 100% with no deductible.
Yet the French and Europeans are more widely used in medical protection system rather favorable in France and Europe. When they arrive in the U.S. the shock can be brutal to the extent that the reimbursement system of care is completely private in the U.S. and it is therefore essential to have medical insurance, either as part of its business, either privately.
The prohibitive cost of medicine in the U.S. deters some, and it is not uncommon to meet fellow without any medical coverage because the health budget is a budget that takes seriously into account when of his expatriation, especially with children.
This does not change:
The U.S. insurance operate on the basis of reimbursement of care as in France, which vary according to services (consultations, medicines, hospitalization, maternity, dental care ...)
In general they cover you only in the U.S..
There are many varieties of plans (HMO or PPO)
* HMO (Health Maintenance Organizations)
This system is fully supported will not allow you to choose your doctors and you will have less freedom in your medical choices.
* PPO (Preferred Provider Organizations)
These plans offer lists of licensed doctors in each specialty for which you will pay a participation (co-payment)
Caution, however, check for different types of care covered what is the amount of the remaining portion of the costs at your expense, because often, the lower the price of medical coverage, the higher the "deductible" is important.
French and European insurance if you are holding a French passport you can be covered in the USA. Under the proposed formulas, reimbursement of medical care (excluding outpatient hospitalization) may vary. Attention to the current limitations in reimbursements because sometimes they may not be enough for the USA.
French Morning offers a monthly meeting monthly to manage your assets with the help of Crystal Financial Group, the leading independent wealth management intends to French nationals abroad. Founded in 1992 and now in the U.S. for 15 years, offers a complete asset and adapted to the specific needs of the French non-resident expatriates. This month our meeting on the foresight and abroad including the French health coverage in the U.S..
What changed in 2011: inflation rates
Again this year the U.S. insurers will increase their rates consistently because of medical costs increasingly important. It is a paradox because in general in times of crisis, prices tend to decline. But in fact the crisis amplifies the phenomenon. Insurers are faced with inflation of medical costs of their policyholders. And insurers are obliged to pass their costs by increasing insurance premiums. For example one of the largest U.S. insurers are increasing tariffs by more than 25%.)
Due to spending more and more large policyholders, some insurers Europeans present in the U.S. have even decided to stop covering the risk in the U.S. also takes the decision to no longer cover their clients on the U.S. zone.
Crystal Finance develops medical insurance business for over 10 years. It uses a priority group for VANBREDA International customers in the USA. VANBREDA is an insurance group specializing in the expatriate market. Crystal Finance distributes products exclusively VANBREDA USA and selected the contract of insurance ExpatPlus for its customers, individuals or businesses.
Advertisement
For the year 2011, despite rising premiums Product ExpatPlus, the contract will remain highly competitive with products from U.S. insurers also presenting guarantees much higher.
Indeed, medical coverage is offered worldwide, there is no network (can visit any doctor or treatment in any hospital), and hospitalization is covered at 100% with no deductible.
Yet the French and Europeans are more widely used in medical protection system rather favorable in France and Europe. When they arrive in the U.S. the shock can be brutal to the extent that the reimbursement system of care is completely private in the U.S. and it is therefore essential to have medical insurance, either as part of its business, either privately.
The prohibitive cost of medicine in the U.S. deters some, and it is not uncommon to meet fellow without any medical coverage because the health budget is a budget that takes seriously into account when of his expatriation, especially with children.
This does not change:
The U.S. insurance operate on the basis of reimbursement of care as in France, which vary according to services (consultations, medicines, hospitalization, maternity, dental care ...)
In general they cover you only in the U.S..
There are many varieties of plans (HMO or PPO)
* HMO (Health Maintenance Organizations)
This system is fully supported will not allow you to choose your doctors and you will have less freedom in your medical choices.
* PPO (Preferred Provider Organizations)
These plans offer lists of licensed doctors in each specialty for which you will pay a participation (co-payment)
Caution, however, check for different types of care covered what is the amount of the remaining portion of the costs at your expense, because often, the lower the price of medical coverage, the higher the "deductible" is important.
French and European insurance if you are holding a French passport you can be covered in the USA. Under the proposed formulas, reimbursement of medical care (excluding outpatient hospitalization) may vary. Attention to the current limitations in reimbursements because sometimes they may not be enough for the USA.
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