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USA Health Insurance

Locally compliant medical insurance for those living or working in USA. Customized USA health insurance plans and quotes available.

The USA is world famous for the quality of its superior healthcare services. The country is also famous however, for the extremely high costs associated with medical treatment. The USA ranks as the most expensive place in the world for healthcare and medical services, with high levels of annual medical inflation, the costs in America , for even the most basic medical services can be extremely high.

There is no single reason for the high costs of healthcare in the USA , however one of the main reasons is the fact that hospitals and medical facilities are, for the most part, private entities that are looking to make a profit on their services. This means that, because of the inflation that is being experienced all over the world in every single industry sector, these medical facilities are forced to raise prices to keep the profit margin that they have targeted.

The second reason for high healthcare costs in the USA comes from the expenses associated with pharmaceuticals and medicines. The USA has extremely high medicine prices. This is because the US economy is, in effect, subsidizing the drug costs in many developing countries around the world. The Pharmaceutical companies raise the prices associated with medicine in the USA in order to keep research projects running and to meet profit targets. One of the reasons for this is because of the extensive approval and safety testing that is done in the USA before drugs are released into the open market. This often means that a drug company will not see returns on an investment for many months, and in some cases even years, after it has produced a product. In turn these companies must raise their prices to fund continuing business.

With the private healthcare system and high drug prices working together to raise the overall costs of medical care and treatment in the USA , many people are finding it very hard to cope with the costs. In modern America the number one reason for the declaration of individual bankruptcy is an inability to pay for costly medical treatment.

The only way to protect yourself and your loved ones from high medical costs in the USA is with a comprehensive USA international health insurance plan. We can provide international health insurance that will provide you with the highest levels of coverage available. Plans that we offer can be tailored to meet specific requirements and can include benefits for in-patient, out-patient, maternity, dental, and emergency evacuation coverage. International health insurance plans that we can offer to expatriates in the USA are guaranteed renewable for life, and globally portable. This means that should you ever decide to leave the USA and relocate to a different country your plan will continue to provide you with the coverage that you deserve.

We can also provide comprehensive USA health insurance plans. The insurance that we can offer to Americans overseas, in many cases will allow you to return to the USA with your plan whilst still remaining COBRA and HIPAA compliant.

Our expert team of advisers can help you protect yourself and your loved ones against the high cost of medical treatment worldwide. Our relationships with many of the world’s top insurance companies means that we have access to all the top plans and can find policies to meet most budgets.

USA Travel Tips

Whilst travelling in the USA it is important to be aware of the following travel advice:

The majority of incidents for which foreign nationals require consular assistance in the USA are for replacing stolen or lost passports, street related crimes and road accidents. These incidents occur mainly in the tourist areas in: Florida, New York City, Los Angeles and San Francisco.

The hurricane season in the USA generally runs from June to November, and can affect the whole of the southern USA

It is important to be aware of the global risk of indiscriminate terrorist attacks; these could be against civilian targets in places frequented by foreigners. You should remain vigilant in high profile public places

To reduce the chances of being the victim of crime you should not leave your door open at any time; do not sleep in your car by the roadside; refrain from wearing expensive jewellery and avoid leaving items on display in cars

If you are intending to drive whilst in the USA then you are recommended to obtain an international driving license. You should also learn the US traffic laws before arriving in the country

Under no circumstances should you make flippant remarks about terrorism or bombing, this is especially important when passing through US airports

If you are unsure as to whether you are eligible to enter the US you should contact the US embassy in your home country before leaving

Forest fires can be a danger in many dry areas of the US . We strongly recommend that you monitor media reports about fires in your area and take precautions as necessary

It is essential to purchase comprehensive medical and travel insurance before arriving in the USA . The insurance policy should provide coverage for your medical expenses and it is important to check the exclusions of your policy. The United States has the highest average cost of medical treatment in the world. As such you should have a medical insurance USA plan that will offer you the protection that you deserve should an unexpected situation arise.

 

Pacific Prime has articles published on the following partners websites: DoctorCharley.com

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