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Anybody recommend US health insurance with global coverage?


by @tylertringas 8yr  | 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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We have Cigna Global.

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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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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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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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@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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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 8yr

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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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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@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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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 8yr

@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 8yr

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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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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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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@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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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 5yr

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

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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 14,117 discussions on Nomad List

Suggested topics

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How do I get Travel/Medical Insurance for Portugal for visa application from Australia?


in Portugal by @jonathanpoh 3yr 3 years ago  | 5 comments

I'm preparing my Portuguese D7 long-term visa application and one of the required documents is proof of travel insurance with medical coverage. However, as an Australian citizen, if put that as my country of residence in many travel insurance companies' quick quote forms, I'm unable to get ANY insurance coverage at all because of the current travel ban out of Australia, and the Australian govt's 'Do Not Travel' advice to ALL countries. I know that Aussies are applying for, and successfully getting visas from the Portuguese Consulate here, so where and how are they fulfilling this insurance requirement if insurers aren't selling any coverage? Does anybody know or have any ideas?

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What is the best online insurance for digital nomads ?


by @berberos 4yr 4 years ago  | 4 comments

Hi guys ! hope you are doing well.

I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :

- health

- laptop, phone ...

- Flights

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Anybody bring their car to Mexico instead of flying?


in Mexico by @digitaldiva 4yr 4 years ago  | 2 comments

Iโ€™m curious whether anyone drove to Mexico instead of flying and used their car down there. Iโ€™ve heard bad stories of people driving down there but not sure I believe them. How safe is it to drive through rural areas, and to park in cities? It would be cool to have the car to explore while there.

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Does international health insurance for digital nomads exist?

 

by @al_steffen 4yr 4 years 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 4yr 4 years 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 4yr 4 years 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 5yr 5 years 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 5yr 5 years 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 6yr 6 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 6yr 6 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 6yr 6 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_ 6yr 6 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 6yr 6 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 6yr 6 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 6yr 6 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 7yr 7 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 7yr 7 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 7yr 7 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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Anybody around Europe over the next few months?


by @paulrose 7yr 7 years ago  | 9 comments

Hi All

Soโ€ฆ a few months ago when I was in Asia, for some reason I decided that it was gonna be too hot over the summer months and I wanted to mix it up with a few months touring Europe. So I had the idea to buy and RV and drive round for a few months.

Meet Teagan :slight_smile:

Itโ€™s taken a few months going through the process of getting my license to drive the RV, because itโ€™s so large it wasnโ€™t covered on my standard driving license. Add to that, I had some solar panels fitted for unlimited power, and a massive satellite dish for internet wherever I go.

Iโ€™ve now got my ferry booked out of the UK for September 11th and at the moment have no plans past the first few weeks.

Has anyone on here done anything similar before? Any places recommended, or anyone around Europe over the next few months?

Iโ€™m doing about 3 months worth before heading to Vegas for NYE and around the states for a few months after that before back to Asia for a bit.

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What's best internet solution for travelers? SkyRoam vs Global Roaming Data plans


by @alexmarinov 7yr 7 years ago  | 2 comments

Whatโ€™s up nomads!

What do you use to get internet for work when you travel? Iโ€™m trying to figure out the best option to get internet when Iโ€™m traveling. For now mostly in Europe and mostly for conference calls with screen sharing. Iโ€™m willing to spend $200-300 per month.

I need to:

  1. tether my laptop to my data plan on my phone, or on another device (like SkyRoam which I donโ€™t have yet, but considering)
  2. have data on my phone for essentials like Google Maps when driving around.

My US carrier is Sprint Wireless. I have unlimited data, which I can enable globally at no extra charge but itโ€™s supposedly 3G, but doesnโ€™t really work. Sprint also has a plan called Sprint Global Roaming, which offers high speed internet, but itโ€™s $30 per 1GB which can add up to $500-$600 per month given my usage.

Iโ€™m not always close to WiFi or Co-Working spaces. Iโ€™m looking for a solution that would basically allow me to get on a Google Hangout or GoToMeeting call on my laptop from my car.

Any experience with gadgets like SkyRoam or similar ones from Verizon or AT&T? How good and reliable are those?

Any ideas? What do you use?

Thanks,
Alex

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