 Living outside of the United States or your home country for more than 6 months creates a threshold that you cross that requires a thoughtful approach to making sure your health insurance coverage meets or exceeds your needs. This is especially true for those of us who live in the United States. If you have a domestic health plan such as a plan with Anthem Blue Cross Blue Shield it is important that you look carefully into the details of the plan should you move outside the U.S. for more than 6 months. Most plans will not cover you once your have moved and are outside the country for an extended period of time.
And for those plans that remain in force while you travel - be careful as the coverage will generally only cover you for emergencies. Coordination of payment with overseas providers will more than likely not exist and should you end up in a medical facility that is not part of their overseas networks than you will more than likely be on your own and resposible for your own payment for services. Then it will be up to you to submit all medical claims to your U.S. carrier on your own. Don't be suprised if you run into hurdles there too.
Living overseas and having a health plan is much more complicated than that. Access to care may become your biggest issue should you need care. How do you know where to go and what doctors to see that may be qualified to treat you? What if you are in a part of the world that simply does not offer the needed care to save your life or the life of a friend or family member? Domestic plans are not experts in International Medical Providers and not all international insurers are either. Here in the United States we are used to the best medical care in the world and access to care is usually not an issue. Once you leave the U.S. everything changes. In addition what if you need to be evacuated to another country for care? Again, your domestic plan will fall short.
For those who are U.S. Citizens who plan to live outside the borders of the United States for extended periods of time - this can create potential hazards when you return home to live as well. Insure your insurability with the right international health plan. Selecting the right plan is extremely important and should not be overlooked.
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 Residing or traveling for a short term period outside your country of citizenship may create challenges to your current health care program. Brief trips expose you to risks which may not be covered by your current domestic health insruance plan. It is prudent to procure International Health Insurance coverage prior to leaving your home country and traveling aboad. In addition some countries you may be traveling to may require proof of coveage as a condition to your visa.
When you are traveling abroad and your coverage needs to provide benefits for things such as Sickness, Accident and Medical Evacuation. Most domestic plans do not cover medical evacuation which can cost as much as $250,000 or more. In addition you will also need more than insurance. You will also need knowledge, information and safety resources that will help keep you safe and health.
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 Travel Insurance is primarily designed to insure against a loss during
your planned trip due to cancellations, interruptions, or delays
for unforeseen reasons. Many people prepay some or all of
their travel and accommodations prior to departure. Travel
Insurance provides the vehicle to protect your investment in your
planned vacation or business trip by providing you protection from
unforeseen events such as cancellations, interruptions, delays,
some health issues, emergency evacuations, baggage loss and more.
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