Can I use my U.S. health insurance in Europe?

Asked by: Heaven Schoen  |  Last update: August 16, 2022
Score: 4.8/5 (8 votes)

While many US citizens think that they have excellent health coverage and may not need to purchase anything separate for Europe, you must be aware that domestic US insurance plans have very little or no coverage outside US national borders.

Is my US health insurance valid internationally?

Unfortunately, most domestic health insurance policies dont provide coverage outside your home country. In general, domestic plans limit their coverage to specific geographic areas.

Do you need health insurance when you travel to Europe?

Yes, US citizens absolutely need travel medical insurance for Europe, including the Schengen area. If you're a US citizen and you get sick or if you're seriously hurt while in Europe or the Schengen area, you could face crazy high medical expenses.

Is European healthcare free for US citizens?

Government Owned and Run Universal Healthcare

Britain, France, Italy, Norway, Spain, and Sweden use variations of this system. Every citizen is enrolled in the national healthcare system and a good portion of medical services are provided free of charge by doctors who are employed by the government.

Is Blue Cross Blue Shield valid in Europe?

The Blue Cross and Blue Shield Service Benefit Plan has you covered worldwide. If you need medical care outside the U.S, Puerto Rico, and the U.S. Virgin Islands you can rest assured that the Blue Cross and Blue Shield Service Benefit Plan offers worldwide coverage.

US health insurance vs European insurance

42 related questions found

Does United healthcare cover out of country?

Travel medical insurance is for people who are leaving the country and provides coverage while they are outside of the country. A travel medical policy focuses on emergency medical and dental. It also covers medical evacuation if it's needed.

Can I use medical out of country?

Health Savings Plan members have access to urgent and emergency care anywhere in the world. UC Care and Core plan members travelling or living outside the United States have access to the same covered services as members living in the United States.

What happens if an American goes to the hospital in Europe?

In most countries, you can call 112, the European Union's universal emergency number for ambulance, fire department or police. Most countries also have a 911 equivalent that works as well. Or you can ask a hotelier, restaurant host, or whoever's around to call an ambulance or taxi for you.

What if I need medical care in Europe?

The European Union's universal emergency number is 112. If you are not experiencing an emergency but would like to see a doctor you can go to a clinic and talk to a receptionist about your issues and why you'd like to see a doctor. You will likely have to wait but will be seen by a doctor or physician.

Does Medicare cover US citizens living abroad?

Yes. Because Medicare has limited coverage of health care services outside the U.S., you can choose to buy a travel insurance policy to get more coverage.

What countries does united healthcare cover?

UnitedHealthcare Global - serves 6.2 million people with medical benefits, residing principally in Brazil, Chile, Colombia and Peru but also in more than 130 other countries.

Does US health insurance work in Greece?

Travel insurance for visiting Greece

Most domestic health insurance plans including US Medicare do not insure travelers outside their home countries. This is where travel medical insurance is important as they are designed for the specific needs of international travelers.

How much is international travel health insurance?

The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 trip, the average travel insurance cost is $228, and the range of rates is from $154 for a basic policy up to $437 for a policy with generous coverage .

How does health insurance work when traveling abroad?

If your insurer does provide coverage for medical treatment you get in another country, the care is typically reimbursed at an out-of-network rate, which means higher out-of-pocket costs.

Do I need insurance when traveling abroad?

Who Needs Travel Medical Insurance? Purchasing health insurance for traveling abroad is a simple way to save money in an emergency, and anyone can benefit from the coverage. If you're traveling to a country in which your health insurance provider doesn't provide coverage, buying travel medical insurance is a must.

Does ObamaCare cover international travel?

Most ObamaCare health plans do not cover foreign emergency care. When traveling abroad and while cruising you'll want to get travel insurance.

Can I get free medical treatment in Europe?

Apply for a GHIC

A GHIC lets you get medically necessary state healthcare in Europe at a reduced cost or sometimes for free. If your EHIC is still in date, you do not need to apply for a new GHIC .

What happens if American gets sick in Italy?

If you or a U.S. citizen loved one become seriously ill or injured abroad, a consular officer from the U.S. Embassy in Rome or from the Consulates General in Milan, Florence and Naples can assist in locating appropriate medical services and informing your family or friends.

Is healthcare in Europe better than the US?

The amount of money Americans spend on healthcare services is higher than in any of the developed world countries, according to OECD Data. At the same time, only 23% of them think that they get the best care possible — compare this to an average of 70% of satisfaction with healthcare's quality among EU citizens.

Where is the best healthcare in Europe?

Europe's best healthcare systems
  • Switzerland.
  • The Netherlands.
  • Norway.
  • Denmark.
  • Belgium.
  • Finland.
  • Luxembourg.
  • Sweden.

How do I see a doctor in a foreign country?

How Do I See a Doctor in a Foreign Country? If you have an international health insurance plan, or travel insurance, they should provide you with an emergency medical assistance number you can call to help you arrange for a doctor visit. To schedule an appointment, first contact your insurance company.

What happens if you have a medical emergency abroad?

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

What happens if you don't have health insurance and you go to the hospital?

However, if you don't have health insurance, you will be billed for all medical services, which may include doctor fees, hospital and medical costs, and specialists' payments. Without an insurer to absorb some or even most of those costs, the bills can increase exponentially.

Does UnitedHealthcare Medicare Advantage cover foreign travel?

Your Compass Rose Medicare Advantage Plan covers care even when you're traveling outside the United States just as if you were in the United States. UnitedHealthcare will reimburse you for any covered services or prescriptions you may need while traveling minus any copays that may apply.

Does Medicaid cover international travel?

In general, Medicare and Medicaid do not cover medical costs overseas.