The New American is an expatriate health program for US-bound individuals and families compliant with the Affordable Care Act. The New American program is a unique expatriate health insurance that allows you to focus on settling down in your life abroad through peace of mind.
Your personal ConciergeCare counselor will help you to:
| Premier Freedom 4500 | Premier Freedom 3500 | Prestige Freedom 2500 | Prestige Freedom 1500 | Elite Freedom 1000 | |
|---|---|---|---|---|---|
| Deductible | USD $4,500 Individual USD $9,000 Family |
USD $3,500 Individual USD $7,000 Family |
USD $2,500 Individual USD $5,000 Family |
USD $1,500 Individual USD $3,000 Family |
USD $1,000 Individual USD $2,000 Family |
| Coinsurance | 30% | 30% | 20% | 20% | 10% |
| Annual Out-of-Pocket Maximum | USD $7,150 Individual USD $14,300 Family |
USD $7,150 Individual USD $14,300 Family |
USD $5,000 Individual USD $10,000 Family |
USD $5,000 Individual USD $10,000 Family |
USD $3,500 Individual USD $7,000 Family |
| Benefits |
Our multi-cultural ConciergeCare counselors provide the necessary healthcare expertise and guidance so that you can confidently build your life in the United States.
For everything we do; service excellence is our guidelineWe provide you with your own, personal ConciergeCare counselor in your native language. Your ConciergeCare counselor will assist you when you look for or want to set up medical treatment in the US. As an exclusive member, you are entitled to these services at no extra cost. You’ll live as a New American!
Our 5-star ConciergeCare service includes the following:We offer you the convenience and comfort of knowing you can easily obtain an e-Consultation or second medical opinion at any time and anywhere.
Our e-Consultations and second medical opinion service allow you to schedule a virtual office visit with physicians via phone or webcam on a secure, encrypted platform.
For those members who require an in-person consultation with a medical specialist, we can arrange for medical appointments, organize hospitals admissions, set up travel and lodging accommodations.
On March 23, 2010, President Barack Obama signed the Health Care reform bill, also known as the Patient Protection & Affordable Care Act (PPACA or ACA), into law. The ACA has made sweeping changes to the U.S. health care system and how individuals receive access and coverage for medical care. Many of the ACA’s health care reforms are primarily focused on reducing the uninsured population and decreasing insurance and health care costs. The law consists of a number of provisions and mandates that affect US citizens or residents alike.
A key provision implemented under the ACA which requires most individuals to obtain a compliant health insurance coverage or to pay a tax penalty, starting in 2014.
Yes. Foreign nationals and expatriates residing or moving to the US, who maintain residency for 11 months or more, must abide by all provisions and mandates of the Affordable Care Act.
As mentioned above, the Individual Mandate will penalize those who DO NOT obtain compliant health insurance coverage. To avoid paying penalties, it is recommended that you purchase and maintain health insurance coverage that meets Minimum Essential Coverage (MEC), such as La Vie a L'Etranger - USA or the New American.