You live outside the United States and want to know what kind of health coverage to get.
By asking five key questions you will be able to narrow down your search for a long-term international health care plan.
Here they are: First Question: "Do we want maternity coverage?" If you do, that will rule out all three-year plans.
It will also affect the rates offered on career plans.
In fact, one good career plan charges $2,500 a year extra for maternity.
Second Question: "Will we be happy getting all of our health care outside the USA?" Certain countries provide excellent health care.
If you say "yes" to that question, then you can get a plan that excludes all coverage in the USA.
Third Question: "Will we get most of our medical care outside the USA, but want travel insurance for trips home and the option of getting some medical care in the USA?" If you answer "yes" to this question, you may want to purchase an international plan that has limited coverage in the USA, but adequate coverage for all countries of the world.
Fourth Question: "Will we get most of our medical care in the USA?" If you answer "yes," you will want a plan that provides coverage comparable to what is charged by American medical facilities and practitioners.
Fifth Question: "Do we want a plan that will provide permanent international and USA coverage?" This is possible for residents of most states of the USA.
Of course, this is the best and most expensive of all of the career insurance options.