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Health insurance can help offset medical costs and ensure you get access to the medical care you need when you need it. But for foreigners living in the United States and expats moving abroad, standard health insurance may not be an option.
With an international health insurance policy, individuals living abroad can get the customizable health coverage they need to meet their needs. Cigna International Health Plans are comprehensive, flexible, and provide coverage for inpatient and day-patient care with the option to add outpatient care and other elective modules.
Here’s everything you need to know about international health insurance.
International health insurance is health coverage designed specifically for individuals moving to the United States from another country and US citizens moving abroad for more than six months.
With international health insurance, you can get access to the medical care and services you need if you don’t have access to traditional health insurance options. With Cigna Global health insurance plans, you get access to the company’s global network of trusted hospitals, doctors, and other healthcare professionals.
International health insurance plans can be customized to meet your financial and coverage needs.
International health insurance is a great option for any individual that is moving to a country other than their home country and will live there for over six months. International health policies provide robust coverage to individuals who will stay in a foreign country long-term.
For example, international health insurance can be a great solution for individuals relocating to the United States who need health coverage while they navigate the immigration process and wait to become United States citizens.
The Cigna international health plan offers three levels of coverage: Cigna Silver, Cigna Gold, and Cigna Platinum. Each of these core plans offers many of the same standard benefits, including:
Cigna Global health plans offer other great perks to members, including global telehealth services, newborn care, cancer care, coverage for vaccinations, and more.
International health plans are very flexible, allowing members to customize their policies to suit their individual needs.
Here’s how to build your personal Cigna international plan.
Members start by choosing either the Silver, Gold, or Platinum plan level. Silver plans have a $1,000,000 benefit limit, Gold plans have a $2,000,000 benefit limit, and Platinum level plans have an unlimited benefit limit.
Members can choose between two coverage area options: worldwide coverages including the U.S. or excluding the U.S. If you choose to exclude the United States, you can still receive limited emergency hospitalization benefits while in the U.S.
Policyholders can choose from a selection of optional modules to tailor their plans to meet their needs. Optional modules may include international outpatient coverage, health and wellbeing coverage, vision and dental coverage, and more.
Depending on your needs, you can adjust your policy’s premium by choosing from a wide range of deductibles and coinsurance options. Higher deductibles and coinsurance will lower your premium while increasing your out-of-pocket costs, while lower premiums and coinsurance will raise your premium but offer lower out-of-pocket expenses.
Cigna international health plan applicants can choose to pay their premiums on a monthly, quarterly, or yearly basis. Those that choose to pay quarterly or annually have lower premiums than those that choose to pay monthly.
Cigna Global international health plan policy costs depend on a variety of factors, including:
- Plan tier
- Age
- Area of coverage
- Deductibles
- Cost-share options
- Optional modules
Higher plan levels with several optional modules will be more expensive as they offer more comprehensive coverage with higher benefit limits.
With Cigna Global you have all the flexibility you need to create a health insurance plan that fits needs that are unique to you. In addition to everything you will receive from the core plan, there are add ons. One of these addons is the international evacuation and crises assistance plus module.
This module adds the following to your plan:
Cigna Global international health insurance policies offer comprehensive coverage to individuals living outside of their home countries.
At KSA Insurance, we work with individuals in South Carolina and across the southeastern United States to help them find affordable and comprehensive international health plans that meet their coverage needs.
Contact us today to get a quote and learn more about international health insurance.
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