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  • bjinglee
  • Expert Waygook

    • 545

    • March 10, 2011, 10:29:48 pm
    • South Korea
Americans - Health Insurance
« on: March 06, 2012, 11:08:45 pm »
Was wondering what other Americans do about health insurance when you go back to the States. Are you covered under your parents plan? Did you keep you coverage in the States so you don't have any gaps in coverage? I started thinking about this when I came across this the other day....  Not trying to scare people, but just food for thought if you have any preexisting conditions and want to try to get health insurance when you go back.

http://www.huffingtonpost.com/james-glave/private-health-care-is-st_b_258025.html

Here's the Youtube Video that goes along with it...

http://www.youtube.com/watch?v=9TWuO5dBYjo&feature=player_embedded



Re: Americans - Health Insurance
« Reply #1 on: March 07, 2012, 08:08:47 am »
Visit the following address for extensive health insurance coverage for short term or temporary use until you find a job back home!

http://www.hccmis.com/short-term-medical-insurance/

Also, if you don't want a plan with all the bells and whistles you can pay significantly less if you search for a plan at...

http://www.ehealthinsurance.com/

I used hccmis when I graduated from college for the 5 months before I left for Korea, then ehealthinsurance.co m to find a plan for when I went home for 3 months over the summer.

Process is quick, simple, cheap, and both offer great coverage until you find a job back home.

Hunter


  • jdnewland
  • Explorer

    • 5

    • February 27, 2012, 10:18:10 pm
    • Gwangju, South Korea
Re: Americans - Health Insurance
« Reply #2 on: March 07, 2012, 09:05:49 am »
Insurance. I didn't have it before SK and I doubt I will have it after SK.


  • vw08
  • Super Waygook

    • 331

    • May 11, 2011, 01:26:31 am
    • South Korea
Re: Americans - Health Insurance
« Reply #3 on: March 07, 2012, 01:20:30 pm »
Being under 26, I'm still on my parent's insurance plan.  However, before that law went into effect, there were a few months when I was not working, hence no insurance through work.  I purchased a plan for those months so that if anything happened I would at least have some coverage.  It was a little expensive, but still much less than having to pay for everything out of pocket.

This summer, a few weeks before my contract ends, I'll turn 26, so goodbye insurance.  Depending upon my situation at that time, I'll either return to the US to a job with insurance or end up buying a supplemental plan until insurance kicks in.  One of my concerns is if I decide to renew and go home for a few weeks, I will be without insurance, so one car accident or severe illness while at home, and all the money I've saved this year will be gone.


  • ahess.wisc
  • Veteran

    • 90

    • March 01, 2012, 03:51:33 pm
    • Yoeng Duek South Korea
Re: Americans - Health Insurance
« Reply #4 on: March 07, 2012, 02:27:46 pm »
Another key thing to consider is that if you get terminally sick in Korea eventually you will be forced to go home, and will no longer be under the Korean health care plan. If all of the policies of the Affordable Care act take effect, this won't matter, but if they don't and (god forbid) you get cancer while in Korea you will be in trouble when you go home. I would reccomend to anyone in or going to Korea that they purchase a very cheap high deductible health care plan in the states while they are in Korea. I think mine has like an $11,000 deductible and it's super cheap.