Health Plan UHC Global for US Expats Overview 2023
UHC Global
Coverage for expats
Covers both in the US and Internationally
Tax Advantaged Account
Healthcare FSA
What is the program?
For expats located overseas who are paid on the US Payroll, UnitedHealthcare Global provides premier healthcare coverage. Information can be found by clicking here.
Who is this program for?
US expats paid on the US payroll.
Key program benefits:
- There can be differences in cost when in the US, than when international.
- For lab, x-ray, or any procedure you would pay the first $600 in costs and then 20% for any amounts above that.
- The most any one person in the plan would pay out of your pocket for in-network services in this plan is $4,000 after which the plan would pick up 100% of the costs.
Network | UHC Global | |
Can you use out of network doctors when in the US? | Yes | But out of network services will cost more |
In-Network Deductible | $600 / $1,200 (Individual / Family) | In the UHC Global plan, any member of a family only has the “individual” deductible to get through. The family deductible is the maximum amount in deductibles a family will pay across all members. |
Out-of-Network Deductible | $1,200 / $2,400 (Individual / Family) | In the UHC Global Plan any member of a family only has the “individual” deductible to get through. The family deductible is the maximum amount in deductibles a family will pay across all members. |
Copays for In-Network Office visits | When in the US: $35 Primary Care Physician $50 Specialist International: Covered 100% | |
In-Network Coinsurance – Amount you pay | 20% after deductible | This amount is capped at the plan’s Out of Pocket Maximum |
Out-of-Network Coinsurance – Amount you pay | 40% of reasonable and customary | Reasonable and Customary is the prevailing charge for a service in a geographic area. |
In-Network Out of Pocket Maximum | $4,000 / $8,000 (Individual / Family) | |
Out-of-Network Out of Pocket Maximum | $8,000 / $16,000 (Individual / Family) | Does not include any amounts in excess of the reasonable and customary limit |
Copay for Emergency Room | 20% of after deductible | All Emergency Rooms are considered in network for true emergencies |
Prescription Drugs | 20% | |
Prescription Drug Out of Pocket | N/A |
How can I enroll?
Log onto www.link2mybenefits.com to make your healthcare election.