UNITED STATES : Advice on expatriate insurance with HealthForExpats
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Les avis sur les mutuelles santé expatrié


Florian on

Reviewed by F Lepinard from international health UNITED STATES

Good insurer for co-pay and reimbursement of medical, specialist or general expenses in the US. Not much use of the mobile application so not much feedback on it.

brigitte on

Very good relationship, nice and very efficient team. Personally, a lot of work on their part to solve a big problem of reimbursement. Thanks again for the help of the whole team, especially Jihan!

Emi on

excellent service UNITED STATES

From the moment we contacted Hassan until now (about 6 months of coverage) everything has been very smooth. If we have any questions, there is always someone to help us. I recommend April for all expats.

Genevieve on

Never enough! UNITED STATES

Living in the United States where health care is extremely expensive, it is sometimes difficult not to opt for certain care because of the lack of wider coverage.

Florian on

Review of International Health by F. L. UNITED STATES

Good advice on the choice of insurance with the pluses and minuses of the different formulas. The follow-up from the Pacific time zone and the quality of the US international health expertise was a real plus that helped me choose this company.

Emma on

Excellent accompaniment UNITED STATES

I was extremely satisfied with the service and support of this insurer, which really improved and facilitated my stay in the United States and the navigation of a very complicated health system. Thank you very much!

Michel on

Thanks to International-Santé and WellAway for their support UNITED STATES

Our family moved to the US in 1998, and until the end of 2017 we were covered by CFE and my employer's complementary insurance. Then as of January 2018 I retired. As I had no American health insurance, I looked for the possibilities available to my wife and myself, either an American ACA insurance (Obamacare), or a complementary insurance to the CFE that was also ACA compliant.That's when we had a stroke of luck: I found the International Santé website on the internet, and got in touch with Raphaël Reiter. The latter was remarkably helpful and through him we decided to take a contract from WellAway: Life Abroad / Premier 4500 starting January 2018. I went on US Medicare in October 2020 and our Premier 4500 contract ended. My wife then signed a second identical contract with WellAway for herself, which will continue until she goes on US Medicare.My wife and I are pleased with the choice of WellAway and this contract. Among the most positive aspects of WellAway is the service provided by PayerFusion (based in Florida and working with WellAway), which acts as a liaison between all the different players: the health care providers, the US insurer whose network and logistics WellAway uses (Aetna until mid-2020 and now United Health Care), the CFE and of course the insured. This service, which is called ConciergeCare, has helped us on multiple occasions, and in particular Valerie provided us with invaluable assistance in resolving a situation with the CFE in early 2019.Due to a cancer diagnosed in 2019 in my wife, we still tested some limits. For example a provider at one point asked us to pay over ,000 for chemotherapy for which they (wrongly) felt insurance reimbursements were insufficient, and playing on the fact that WellAway is an international company. ConciergeCare and WellAway's claims department helped, advised and covered us in this difficult case by intervening directly with the provider. Our experience with WellAway has also included occasional "glitches", especially when we switched from Aetna to UHC as our US partner in 2020, but everything has always been resolved with the help of ConciergeCare. Some providers also have trouble understanding the difference between WellAway and UHC, but again, with a little patience, everything is eventually resolved, so if we had to do it again, we would not hesitate to take out a WellAway policy. We have encouraged our children to take out individual CFE/WellAway policies through International Santé, which they have done.

Morgane on

A very positive experience! UNITED STATES

A very positive experience! From customer service to the ease of use of the insurance, I have nothing to complain about! It's a real pleasure to be able to go to the doctor and get medicine in the US without having to make a cash advance and being covered at 100%. I can't recommend it enough!

Caty on

The experience with Patricia Nony and her team was more than friendly and emphatic, they tried and succeeded very well in analyzing the needs of their clients. As far as my insurance contract is concerned, luckily, I only used it for preventive examinations.

Catherine on

Disorganized and limited coverage UNITED STATES

The biggest problem with the Orbe Gold insurance I had for my whole family (two adults, two teenagers) is that the care is covered only up to the usual customary rates. No one explained to me what this meant when I chose this insurance. It is impossible to know in advance whether or not these "UCR" rates will be the actual rates charged by doctors and hospitals. In preparation for surgery, I tried to find out in advance about costs and reimbursements from the insurer and the hospital: I couldn't really know how much I would be covered. But despite the lack of transparency, I could see that I was at risk of having several thousand dollars out of pocket even though it was a small operation with local anesthesia, and absolutely medically necessary. It was after this experience that I decided to leave this insurer. Another example that gave me the bug: we go to a dermatologist and make sure that he is "in network". Big surprise when we received the bill: the insurer discount (which normally reduces the price of consultations by about 30-40%) was only a few cents, so the basic consultation was 0. When I tried after that to find out about these insurer discounts to choose other doctors, it was impossible for me to know in advance the amount of these discounts. Finally, this insurance has major problems with organization and management of the insured, especially since they switched from Aetna to United Healthcare. I was forced to have the insurer check to see if there was an error in my coverage, and very often they "forgot" to reimburse me as they were supposed to according to my contract. I am still waiting for dental reimbursements that they made a mistake on. If I didn't check, I would be paying out of pocket when it was covered! I have spent hours like this dealing with these insurance issues, what a waste of time! Their web portal is absolutely terrible, incomprehensible and full of bugs. They recently lost all my communications with them from last year! Their phone service is not bad at all, but again, what a waste of time. The worst thing is the opacity of the coverage and the risk of not being covered properly because of these "UCR".

Verified reviews 4.9/5