Have you just arrived in the United States or do you plan to live there? You don’t know how the American healthcare system works? Do you have questions about what awaits you? We explain everything to you.
Examples of healthcare costs in the United States
In the United States, a consultation is 5 times more expensive than in France. You will easily pay between $150 and $300 for a routine exam. If the consultation is done in the hospital, in an emergency room, the costs can go up to $375 and approach $700, without travel insurance.
For complicated procedures, it takes thousands of dollars. For example, you can get out of an evening in the emergency room for a broken arm with a hefty note: up to $30,000.
The average cost of an MRI in the US is $1,119, compared to just $788 in the UK and $215 in Australia.
As you will have understood, the prices are excessive, and the American health care system is completely different from ours.
How the US healthcare system works
In America, there is no general health insurance scheme like in France. Getting treatment is extremely expensive if you can’t afford private insurance.
Little info: more than 1 in 10 inhabitants of the United States live without health coverage!
Indeed, Social Security is not compulsory. It is not intended to reimburse the medical expenses of its members and does not give the right to social benefits offered by the State.
The SSN (Social Security Number) is often required for administrative formalities: opening a bank account, paying taxes, renting an apartment, etc.
More generally, it is used for easier and faster identification but does not cover in the event of health problems.
What about drugs in the United States?
Medicines in the United States are 2 to 3 times more expensive than French prices. There is no universal pricing, prices may vary from one pharmacy to another, and depending on the location.
An amoxicillin antibiotic that will cost you 5 or 6 euros in France can go up to 35 dollars in the USA. Laboratories set their prices, based on supply and demand, without regulation.
What is the solution for a stay in the United States?
Obtaining international health insurance before leaving for the United States is strongly recommended.
HEYME, a key player in international mobility among young people, offers insurance solutions to protect their health abroad.
Whether to study, work or travel abroad, being well protected and benefiting from appropriate health coverage is a priority.
World Pass insurance provides coverage anywhere in the world! Whatever the option chosen, it is a 100% reimbursement of the actual costs of health expenses, full coverage in the event of hospitalization, repatriation assistance but also (because you never know) luggage insurance , liability insurance and a legal assistant!
To meet the requirements of American universities, HEYME has also developed special offers adapted to students moving to the United States.
Read also : My health in the United States: which insurance should I choose?
What if I go to work in the United States?
In this case, your employer can offer you 2 or 3 insurance options to choose from. Generally, there are two reimbursement systems:
- The Preferred Provider Organization (PPO) : it offers more expensive services, with freedom of choice of doctor
- The Health Maintenance Organization (HMO) : it offers less expensive services, but requires the consultation of affiliated doctors.
When choosing, the monthly premium you will pay to your insurer should not be the only criterion of choice. Sometimes other amounts, such as out-of-pocket expenses, can affect your total health care expenses. Be vigilant!
HEYME WORLD PASS: the international health insurance par excellence!
HEYME accompanies travelers, young and old adventurers all over the world thanks to its HEYME World pass offer which offers complete coverage of unannounced treatments at their real costs from the 1st euro, even in the event of COVID-19.
HEYME World pass offers direct coverage in the event of hospitalization with the medical establishment as well as medical assistance and repatriation.
With HEYME World pass, you will not advance any costs except for routine consultations or the purchase of medication.
👉 HEYME World pass international travel insurance