Quote:
Originally Posted by Elphaba
The plans we arrange here are not suitable for US citizens living in the US, so when he eventually returns he will have to replace the plan.
My question therefore, is would he be likely able to obtain some sort of continuous cover upon his return? Full claims history would be available for medical underwiting, but he would want a plan where any existing conditions would be covered on what is called 'no worse terms'.
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Medical insurance in the US is a highly charged (at this moment) and very complicated matter. Basically, nothing regarding his prior claims history is going to help him on his return to the US.
Under normal circumstances, medical insurance is a benefit offered by your employer - with the premiums either covered or split between employer and employee. You do everything in your power to avoid having to buy medical insurance on your own because it's just too darned expensive that way, even if you're perfectly healthy and have no bad habits (i.e. smoking, sky diving or other "dangerous pursuits").
Short of having an employer who offers insurance, some people are able to insure through a club, church or professional association. But single policies are to be avoided like the plague unless you have lots of money to throw around.
Cheers,
Bev