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Anybody recommend US health insurance with global coverage?


by @tylertringas | 5yr  | 18 comments

Any US nomads found health insurance with global coverage? My current approach has been to have US health insurance, essentially a waste of money but if I ever got very sick I could go home and have coverage. My actual healthcare is a combination of travel insurance (havenโ€™t really used it much though) and paying cash in cheap places like SE Asia and Latin America. The cobbled together approach is neither simple nor very cost-effective. Love to find a product with global coverage that also satisfies Obamacare requirements. Any leads?

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@mitch_dina | 2yr

We have Cigna Global.

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@mitch_dina | 2yr

We looked at them all and decided to go with Cigna Global. It also cover you for 6 months in the US, just in case you have to go home.

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@joefromboston | 2yr

I would suggest two options - GeoBlue and Cigna Global. Both offer great service and a variety of plan options to meet different needs and budget. Neither are ACA complaint plans - but if you live outside the USA for more than 330 days/year you donโ€™t need one.

Here is a useful article on Reddit:

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@chrispreynolds | 5yr

Yeah good point @db8871 I have a permanent US address and that is probably why they say they will cover me.

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@chrispreynolds | 5yr

@tylertringas I have a PPO plan fully insured - Blue Selectโ€ฆI am 100% sure that it covers itโ€ฆI have asked and reasked and asked again just to make sure. Try calling them to see what your plan entails exactly.

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@tylertringas | 5yr

Interesting. Iโ€™m going to do some investigating by phone. The last time I tried I got a similar response to what @db8871 writes below but it probably just pays to be persistent.

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@db8871 | 5yr

What you are neglecting to notice is the plans you are discussing are for US residents with specific state locations and premiums calculated accordingly. If an insurance company has reasons to believe you reside overseas, they will not pay claims.

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@chrispreynolds | 5yr

I use Obama care with Blue Cross and Blue Shield. They cover me overseas, but I have to front the money and cover me when I returnโ€ฆthis is with hospital visitsโ€ฆfor any medication it is just cheaper to go to a Pharmacy abroad usually.

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@tylertringas | 5yr

@chrispreynolds hmm, I have the same (Blue Cross, via Obamacare in Florida) and I think it doesnโ€™t cover it. Do you know what plan you have that covers overseas hospital visits?

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@lightmotif | 5yr

Glad to hear the good experiences with Cigna, and sorry to hear about your illnesses, @Natalie and @yujin! I think as others have pointed out, it just gets expensive when you add in the tax penalties for not having Obamacare (unless you qualify for the FEIE, in which case you get an exemption). So I have Obamacare starting again Jan. 1 when I arrive in the US again for a few months to renew my passport and do some networking, and will have to figure out if I want to cancel it completely when/ if I become an international nomad again. Itโ€™s just kind of a mess for nomads, but interesting to hear you didnโ€™t get any penalties, @Natalie ! Interested to know what you mean by โ€œthey didnโ€™t want to know my exact planโ€ โ€“ is this a question you were asked on your taxes? I thought all of that would be sort of automated/ pre-filled โ€“ they would know if you had Obamacare or not?

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@yujin | 5yr

@suuzin Regarding pre-existing conditions, because the international insurance isnโ€™t setup for the Affordable Care Act, yes, you might have exclusions by the insurer or additional cost for coverage of pre-existing conditions. I presume if you do have international insurance without coverage of pre-existing conditions that in the worst case, you could always go back to the U.S and get U.S.-based insurance.

I have Cigna Global too. Used it without issue when I caught a nasty intestinal parasite in Quito back in May. The three months of U.S. coverage is good enough for me for visits back to the States. Keep in mind that your premiums will increase though about 25-30% for this time. You have to notify Cigna every time you move in case it impacts cost. It only has so far for me in the U.S.

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@natalie1 | 5yr

I have Cigna global and had to use it for 5 hospitalizations this summer. Iโ€™d say any non-US plan is way more affordable. The Cigna plan that includes US coverage is only good for a period of 3 months per year in the US and costs a lot more for the US coverage. And I think because thereโ€™s a cap on the payments, like someone said, I donโ€™t think it qualifies for Obamacare. But last year they didnโ€™t want to know my exact plan for my taxes so I had no penalties.

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@lightmotif | 5yr

Cigna has a global health insurance plan, but as far as I know, there is no global health plan that satisfies the Obamacare requirements too. But please correct me if Iโ€™m wrong. Basically with Obamacare, you cannot be refused coverage and I donโ€™t think thatโ€™s a condition any of the global health plans want to accept. I looked briefly at the Cigna one which had the traditional long application.

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@tombonneau | 5yr

After doing research, Iโ€™m going to go with international coverage with GeoBlue explorer plan

https://www.geo-blue.com/

For a pretty affordable monthly rate - like $150 I think - the coverage seems much better than the others like Allianz and Cigna. What makes Geo Blue stand out is there is no maximum. The others cap out at $1M which seems like a lot but the only reason I carry this is for worse case scenario catastrophic and those bills can add up.

My plan is being back in states now I am using a no deductible PPO and will see all the doctors I need now and then let that lapse. As long as you are gone for 330 days in a 12-month period you wonโ€™t pay a penalty.

And Geo Blue, while it doesnโ€™t qualify under affordable care act as coverage, it meets requirements for previous coverage so when you eventually go back to States and apply for healthcare you can say you were previously covered.

If you return outside of open enrollment you can use change of address to qualify for new domestic coverage.

Just didnโ€™t make sense to me to pay $250/mo for US coverage I wouldnโ€™t need and would have extremely limited international coverage and then pay another $150. And with GeoBlue if you want you can include US coverage (even though it still wonโ€™t qualify under ACA)

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@dannybooboo | 3yr

@tombonneau Iโ€™ve just finished 3 full (I mean, 8 hour days) of research for medical insurance and Iโ€™ve also decided on GeoBlue. The only con of thier coverage is they donโ€™t provide complimentary 30 days emergency only cover in the US so Iโ€™ll have to get another insurance while Iโ€™m in the US, but thatโ€™s not a big deal. I evaluated 7 insurers based on recommendations from research related to digital nomad medical insurers and if anyone wants to see my spreadsheet, just send me an email [email protected] or ping me here.

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@dannybooboo | 1yr

I still get emails for this spreadsheet quite regularily. Iโ€™ve had to make a few claims with GeoBlue (just regular dr appointments) and all have been paid. Additionally, you can call in to them (24/7) and just have them book an appointment for you which is best because then the facility know youโ€™re coming and knows your insurance (and that theyโ€™ll pay). If you want to have a look at the spreadsheet, send me a message on IG with your email @dannybooboo0

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@dvr87 | 2yr

Or reach me on Instagram since the yahoo is now my spam email. Instagram @Dannybooboo0

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@anywhereness | 5yr

Iโ€™m currently looking into MedEx, but havenโ€™t validated if it meets the minimum for Obamacare requirements. It does look like the health care is priced by zone, where the US rates are clearly higher, so there is a possibility it does.

Edit, link to MedEx: https://www.medexassist.com/Individuals/Products/AllProducts.aspx

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Read and participate in 13,911 discussions on Nomad List

Suggested topics

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Does international health insurance for digital nomads exist?

 

by @al_steffen | 3mo 3 months ago | 59 comments

Hey Nomads!

Iโ€™m looking for an international health insurance (no travel insurance) for my nomadic life. It should cover the basic services and at least be accepted in the EU (itโ€™s ok if itโ€™s not accepted in the US as Iโ€™m aware they rarely are). Nice to have: enter into a contract online. Anyone got a good experience or a recommendation?

Thanks in advance!

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Does international health insurance for digital nomads exist?

 

by @al_steffen | 3mo 3 months ago | 59 comments

Hey Nomads!

Iโ€™m looking for an international health insurance (no travel insurance) for my nomadic life. It should cover the basic services and at least be accepted in the EU (itโ€™s ok if itโ€™s not accepted in the US as Iโ€™m aware they rarely are). Nice to have: enter into a contract online. Anyone got a good experience or a recommendation?

Thanks in advance!

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How is the health and safety in Bali right now amid the global crisis?


by @valentineworld | 4mo 3 months ago | 1 comment

I would like to avoid having to come right back home, ya know? <3

I plan to be in Bali a lot, but if this is a terrible time to go,
it could stunt my future plans of being in Bali for an extended period of time.

Would love to see you guys! <3

@valentineworld

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How is the health and safety in Bali right now amid the global crisis?


by @valentineworld | 4mo 3 months ago | 1 comment

I would like to avoid having to come right back home, ya know? <3

I plan to be in Bali a lot, but if this is a terrible time to go,
it could stunt my future plans of being in Bali for an extended period of time.

Would love to see you guys! <3

@valentineworld

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Where can I get travel insurance for "any reason"?


by @tomheartstacos | 7mo 6 months ago | 0 comments

Hi,
Iโ€™m looking for travel insurance that I can use for work. Iโ€™m in the US now, but am moving to Portugal. Iโ€™m looking for travel insurance that I can buy to recover travel costs if my plans change for any reason. World Nomad looks good, but they donโ€™t have the โ€˜Any Reasonโ€™ part. I found a helpful article on The Points Guy site, but for all the policies there, you have to be a US resident and I wouldnโ€™t be then.
Any suggestions?

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What are wise ways to handle health insurance, as a USA person


by @azurio | 11mo 10 months ago | 1 comment

Hi! Iโ€™m still struggling to figure out how to handle health insurance.

What handy guides have you found to help figure out USA health care?

Iโ€™m struggling with:

  • When itโ€™s okay/wise to go without coverage while abroad, these days.
  • What other type of insurance I want while traveling, and whether it needs to be a supplement to USA insurance or if it can be a replacement.
  • Etc.

Above all, I think I want out. I wonder about success stories in moving to some other system/location, and the method youโ€™d recommend: additional citizenship, a special visa, etc.

I have searched this topic and struggled with it, so summaries and clarity are super helpful. I appreciate any and all help with this. Thanks so much!

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What are wise ways to handle health insurance, as a USA person


by @azurio | 11mo 10 months ago | 1 comment

Hi! Iโ€™m still struggling to figure out how to handle health insurance.

What handy guides have you found to help figure out USA health care?

Iโ€™m struggling with:

  • When itโ€™s okay/wise to go without coverage while abroad, these days.
  • What other type of insurance I want while traveling, and whether it needs to be a supplement to USA insurance or if it can be a replacement.
  • Etc.

Above all, I think I want out. I wonder about success stories in moving to some other system/location, and the method youโ€™d recommend: additional citizenship, a special visa, etc.

I have searched this topic and struggled with it, so summaries and clarity are super helpful. I appreciate any and all help with this. Thanks so much!

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What's the best bank account for a global nomad?

 

by @barrybjjoubert | 12mo 11 months ago | 25 comments

Dear all
As a wanna be nomad figuring out a way to get free of the rat race, I was wondering what is the best bank account to have while travelling the globe? I need an account where is easy for me to receive payments from all over the world and it also need to be a bank that I can find almost anywhere in the world. I want to avoid carry cash on me if itโ€™s possible.

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Any insurance covers pregnancy with a good price?


by @yuko | 2yr 2 years ago | 0 comments

I will go on a working holiday to Berlin from this October.
Maybe I will fly to Romania, Poland, Hungary or Portugal after spending several months in Germany, if my budget will get tighter.

Iโ€™m considering Safetywing/.com for my insurance because it covers anywhere in the world with a good price. The problem is, German embassy requires females to sign an insurance covers medical cost for pregnancy for a working holiday visa.

People in my country write about Care College from Care Concept (care-concept/.de) , but I think itโ€™s valid only when youโ€™re in Germany.

I wonder if thereโ€™s any an add-on (free-plan) insurance for pregnancy.
Alternatively, an equivalent insurance with support of pregnancy, and same price range as Safetywing/.com.

Thank you!

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I wanna go a month in a greek island, anybody has advice?


by @leghoff | 2yr 2 years ago | 0 comments

Hey there, i wanna spend one month on a greek island in August. Just need a view by the sea in a small village. Anybody has advice? By the way, i am a translator, so i need Internetโ€ฆ

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Anybody with a software consultancy having issues finding clients while travelling?


by @raz | 2yr 2 years ago | 4 comments

I recently started running a software consultancy in the UK that specialises in MVP development and onboarding/marketing strategies. I found it relatively easy to get leads by attending networking events (quite a lot here in Edinburgh).

I plan to start travelling soon, though. Has anybody tried to travel while running a software consultancy? Iโ€™m really curious to find out how you handled finding new clients while doing that. Letโ€™s say that if I go networking somewhere in Asia I wonโ€™t find clients willing to spend much on a project (and canโ€™t just pay my employees less because I canโ€™t find good paying projects).

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Is anybody a Digital Nomad in the UK and not a resident?


by @creative_nomad_ | 2yr 2 years ago | 6 comments

The situation is that my BF is a UK citizen and I am not. We are traveling around SEA and planning to stop in the UK for 6 months to rekindle funds. Granted, the UK is not the cheapest place to rekindle funds, however, he can work and get a good job there.

I have already done my working visa in the UK so I canโ€™t legally work there again. Iโ€™m a graphic designer and web designer and have decided that I will try and get freelance work to support myself whilst Iโ€™m over there.

My question is more related to tax and visas. I am an Australia citizen so I can get a 3 month tourist visa. Iโ€™m just a little worried about how strict they are over there on visas and questioning finance etc

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Health Insurance for Europeans?


by @patrickheneise | 2yr 2 years ago | 4 comments

Hi there, Iโ€™m currently looking at Allianz Global and IM Global as a health insurance for long-term travel in Asia. Any experiences with those two or are there better options for European residents?

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Health Insurance for Europeans?


by @patrickheneise | 2yr 2 years ago | 4 comments

Hi there, Iโ€™m currently looking at Allianz Global and IM Global as a health insurance for long-term travel in Asia. Any experiences with those two or are there better options for European residents?

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Does anybody have experience with being a digital nomad on Cabo Verde?


by @marthavanderbly | 3yr 2 years ago | 4 comments

I am contemplating to spend some digital nomad time on Cabo Verde. But as it is not yet on the Nomad List I was wondering if anyone has been there and what it is like re: Internet speed and accommodation?

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International health insurance without having a permanent residence?

 

by @fabyliechti | 3yr 2 years ago | 30 comments

Hey Nomads!

Iโ€™m a Swiss Citizen but full time traveler (living a few month there and there) and therefore donโ€™t have a permanent residence/home anywhere in the world.

For this reason, Iโ€™m as well not registered in Switzerland and therefore donโ€™t have medical care since I would have to pay at least 200$ monthly for medical care which I wonโ€™t use since Iโ€™m not living there.

As a in Switzerland unregistered Swiss Citizen I donโ€™t have medical care in Switzerland but, however based on Swiss Law Iโ€™m always allowed to return to Switzerland, register and then get medical coverage (f.e. in a medical emergency).

So now I was looking for both, an international health insurance with good coverage and an additional travel insurance for my trips. Unfortunately every insurance I check, I got asked for a permanent residence - which I donโ€™t have and donโ€™t want to. So I donโ€™t know what to fill out and if I still can get insurance without having a permanent residence.

I was wondering if there are any nomads here with a similar situation like me and (not registered anywhere and without a permanent residence)? If so, what health insurance, travel insurance you have and where?

PS. As well Iโ€™m not sure if it is kind of illegal not having a permanent residence anywhere plus where do I have to pay taxes?

Would be extremely grateful for any help on those matters - thanks so much!

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International health insurance without having a permanent residence?

 

by @fabyliechti | 3yr 2 years ago | 30 comments

Hey Nomads!

Iโ€™m a Swiss Citizen but full time traveler (living a few month there and there) and therefore donโ€™t have a permanent residence/home anywhere in the world.

For this reason, Iโ€™m as well not registered in Switzerland and therefore donโ€™t have medical care since I would have to pay at least 200$ monthly for medical care which I wonโ€™t use since Iโ€™m not living there.

As a in Switzerland unregistered Swiss Citizen I donโ€™t have medical care in Switzerland but, however based on Swiss Law Iโ€™m always allowed to return to Switzerland, register and then get medical coverage (f.e. in a medical emergency).

So now I was looking for both, an international health insurance with good coverage and an additional travel insurance for my trips. Unfortunately every insurance I check, I got asked for a permanent residence - which I donโ€™t have and donโ€™t want to. So I donโ€™t know what to fill out and if I still can get insurance without having a permanent residence.

I was wondering if there are any nomads here with a similar situation like me and (not registered anywhere and without a permanent residence)? If so, what health insurance, travel insurance you have and where?

PS. As well Iโ€™m not sure if it is kind of illegal not having a permanent residence anywhere plus where do I have to pay taxes?

Would be extremely grateful for any help on those matters - thanks so much!

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How do you take care of your mental health during the transition to a digital nomad lifestyle?


by @kalitherapy | 3yr 3 years ago | 8 comments

Iโ€™m a professional psychotherapist who is starting out in this lifestyle and Iโ€™m curious to hear what specific psychological struggles people had to overcome while making the transition to life as a DM. Also, what do you do to stay mentally healthy while traveling to foreign lands. Iโ€™m interested in hearing any insights people may have, especially since I am working on a book on psychological resilience and I canโ€™t think of a more stressful transition than moving from a static to a nomadic lifestyle. If youโ€™re not comfortable putting your experiences on a public forum, feel free to PM me.

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Quito Ecuador anybody?


in Quito, Ecuador by @jjuter | 3yr 3 years ago | 3 comments

I was thinking of living in Quito for a few months. Anybody have any experience there?

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Has anybody encountered a travel gear mfr that intentionally makes crappy-looking gear?


by @octavient | 3yr 3 years ago | 8 comments

Has anybody ever encountered a travel gear manufacturer that makes gear that is solid and durable, but that is intentionally designed to look old and crappy? For international travel, I want good, durable gear, but Iโ€™m uncomfortable walking around with slick, brand-new-looking, expensive-looking gear (especially with my family in tow). Iโ€™m happy to snatch up any good used gear (reduce, reuse, recycle) that weโ€™re lucky enough to encounter, but selection is limited, and durability is often compromised. Seems like thereโ€™d be a decent market for some durable but ragged-looking travel gear. What i have in mind is luggage, backpacks, laptop cases, smartphone cases, camera bags, infant/toddler carriers, etc. Iโ€™m sensitive to the preppy fad of clueless, well-off westerners dressing up like the poor in naive but trendy mockery, but thatโ€™s not what Iโ€™m after, here. I just want good gear that doesnโ€™t put a target on my back as we traipse around various parts of the world. Anybody have any thoughts on thisโ€ฆ?

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