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    USA

    Private international health insurance in the USA

    If you’ve relocated to the USA for work, study, or living, expat health insurance offers essential protection for you and your family.

    Cigna’s 3 straightforward global plans provide coverage in the USA and over 200 countries and territories worldwide.

    • Get a quote in under two minutes
    • Customizable plan to meet your needs
    • 24/7 support and assistance available

    Get a quote, it takes only 2 minutes!

    Get a Free Quote
    greenLeaf

    Why choose Cigna for global health insurance in the USA?

    Broad range of cover for medical expenses

    We cover a wide range of healthcare costs in the USA or anywhere you are, including hospital stays, emergency room visits, cancer care, and mental health services.

    Direct billing with most care providers

    We often settle the cost of treatment directly with the provider, so you don't have to foot the bill in your time of need. Get access to medical support in over 200 locations worldwide.

    24/7 Customer Care

    Our customer support team is available 24/7, every day of the week. You can also access consultations or advice from a doctor, no matter where you are via our app.

    Our health insurance plans

    We offer three main levels of international health insurance for the USA and worldwide – Silver, Gold, and Platinum. Enjoy comprehensive coverage for inpatient and day-patient treatments, with extensive support across US hospitals and beyond. This includes emergency care, transplant services, rehabilitation, and more. Key coverage includes:

    • Mental and behavioral healthcare.
    • Cancer care and preventative surgery.
    • Emergency outpatient treatments in emergency departments.

    There’s also the opportunity to receive maternity care, depending on your plan.

    Global Health Options plans

    Silver Gold Platinum

     

    Our Silver plan covers day-patient cover, including hospital stays and treatment.

    Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family.

    Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full.
    Geographic cover

    Worldwide

    Worldwide

    Worldwide
    Overall annual benefit

    $1,000,000

    $2,000,000

    Unlimited
    Inpatient, day-patient and accommodation costs

    Private room paid in full

    Private room paid in full

    Private room paid in full
    Cancer care

    Paid in full

    Paid in full

    Paid in full
    Mental and behavioral healthcare

    Up to $5,000

    Up to $10,000

    Paid in full
    Maternity care

    Not included

    Routine inpatient maternity cover – paid in full up to $7,000

    Routine inpatient maternity cover – paid in full up to $14,000

    Close Care℠

    Our essential plan covers you in your country of residence and your home country.

    You can also add modules to extend this cover, including dental and wider outpatient care.

    Close Care℠
    Geographic cover

    Country you’re living in and home country only
    Overall annual benefit

    $500,000 (with $250,000 condition limit)
    Inpatient, day-patient and accommodation costs

    Semi-private room paid in full
    Cancer care

    Paid in full
    Mental and behavioral healthcare

    Not included
    Maternity care

    Not included
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    How does international health insurance work?

    1. Get a free quote and buy your policy

    Build a quote online or give us a call at +44 (0)1475 492119
    Choose a plan, customise your deductibles & cost shares, find a cost that meets your needs, and choose how you want to pay. Choose from monthly, quarterly and annual payments.

    2. Manage your policy with our easy app

    Manage your health and wellbeing on the go, wherever you may be.

    The Cigna Wellbeing® App gives you access to Global Telehealth consultations from anywhere in the world. Use our online customer area to access your policy documents, at any time.

    3. Get your treatment and make a claim

    Get in touch with our customer care team to make a claim.
    We’ll connect you to a medical expert within 24 hours, via global network of over 2.2 million partnerships.

    Direct billing available in most cases, as we liaise directly with your treatment provider.

    Expat healthcare cover in the USA

    Kick off your American dream with international medical insurance from Cigna. Whether it’s to learn, explore, or build your successful career, the 50 states of the USA offer the perfect place to do it.

    The United States healthcare system is a mix of private insurance and limited government-backed coverage. Publicly funded schemes like Medicare and Medicaid can offer support to older citizens, people with disabilities, and children.


    But with no universal healthcare in place, many residents and visitors will require private US medical insurance.

    Having health insurance in the USA helps you to access vital treatments – when you need them most. For example, our international medical insurance can send you to highly rated hospitals in the US and elsewhere. It can also cover prescribed medicines linked to your inpatient or day-patient treatment.
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    Additional add-ons for even greater cover

    Telehealth consultations

    If you’re concerned about support in the event of a crisis, or your optical and dental needs, add Crisis Assistance or International Vision and Dental cover to your policy.

    International cover, wherever you are

    Your international cover (Silver, Gold or Platinum) can help wherever you are, even on trips outside the USA. Ideal for globe-trotting travelers and mobile workers alike.

    Flexible plans, made for you

    Your quote is personalized to you and anyone else on your policy. Match it to your budget and specific needs.

    Add more cover to your policy

    Once you’ve chosen from our Silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.

    International Outpatient – optional cover

    Our international outpatient insurance provides access to a broad range of healthcare treatments that don’t require admission to a hospital. For example, you can get:

    • Consultations with specialists, in-person or online
    • Prescribed drugs and dressings
    • Radiology and diagnostic tests
    • Outpatient rehabilitation
    • Cover for hearing aids

    International Evacuation & Crisis Assistance PlusTM – optional cover

    This medical insurance add-on covers emergency healthcare and assistance. It could help if there’s a global crisis, or to evacuate you if local treatment can’t help. It can give you:

    • Emergency transport to good hospitals.
    • Repatriation if you experience a serious medical event
    • Crisis response services following travel or security risks
    • Help with compassionate travel and living costs
    • Travel costs for people who accompany you

    International Health & Wellbeing – optional cover

    Boost your health with insurance for screening, tests and dietetic consultations. There’s also a mental health support program for expats as well.

    • Support from wellness coaches
    • Access to preventative cancer screenings
    • Emotional support from counselors
    • Non-symptomatic, routine physical examinations each year
    • Transport to a specialist center

    International Vision & Dental – optional cover

    Get eye tests and help with the cost of eyewear, plus a wide range of preventative, and routine dental treatments:

    • Cover for dental appointments
    • Preventative, routine, and major dental treatments
    • Routine eye exams
    • Support with costs for glasses and lenses
    greenLeaf

    Who comes to us for US health insurance?

    International students

    America’s world-class universities are the perfect places to immerse yourself in its culture and heritage. But even the most adventurous student may need a safety net.

    We make it easy to access US healthcare. Our affordable student cover can help to tackle an unexpected event, or get support with your mental health.

    Mobile workers

    From the political powerhouses of Washington DC to the film studios of LA, the US offers a huge variety of renowned industries.

    Whatever your line of work, our insurance can help provide peace of mind for globally mobile professionals and their families.

    Retirees

    Whether you’re seeking a quieter life in New England, or sunning yourself on the west coast, there are so many reasons to retire to the US.

    Seniors’ insurance is tailor-made for the over-60s. Depending on the plan, you could get support with pre-existing conditions like arthritis. Plus, health checks and cancer treatments.
    Trustpilot

    More information about healthcare in the USA

    Quick facts about healthcare in the USA

    Hospitals: More than 6,000 across the country (American Hospital Association, 2024)

    Healthcare ranking: 69th out of 167 countries (Legatum Institute Foundation)

    Useful drug names: Paracetamol is called acetaminophen. Ibuprofen is commonly sold as Motrin and Advil.

    Emergency services number (while in USA):: 911

    Cigna claim number (while in USA):: 800 835 7677

    Emergency Care

    You should head to your nearest hospital during an emergency. Here you will typically be provided treatment whether you’re insured or not – though costs can be high, and medical cover can help to pay for any unexpected situations you may face.

    If you can’t get to hospital yourself, you can request an ambulance by calling 911. However, you might be asked to pay towards it, even if you have health insurance.

    Temperatures and climate

    Certain parts of the USA can experience extremely hot and dry conditions, while others can be bitterly cold. For detailed advice on air quality, heatwaves, and other climate factors that could impact your health, head to the National Weather Service

    Read our full country guide to the USA< /strong>

    Frequently asked questions about health insurance in the USA

    How much does health insurance cost per month in America?

    The exact cost of your Cigna medical insurance in the USA will depend on the plan you choose (Silver, Gold or Platinum), plus any optional add-ons you sign up for. The cost of paying monthly might also be slightly different to doing so quarterly or annually.

    What happens if you have no health insurance in America?

    Without health insurance, you could fall into medical debt or be forced to delay important treatments. Certain US states can also charge tax penalties if you lack adequate cover. So, there are serious financial and health risks to being uninsured.

    Is health insurance in the USA mandatory?

    There’s no longer a requirement to have health insurance in the USA at a federal government level. But some states may still impose tax penalties on people without it. For example, California and Massachusetts.

    Do international students get free healthcare in the USA?

    No, international visitors, whether they’re students or otherwise, don’t receive free healthcare in the USA. So, if you’re planning to study in America as an international student, you may benefit from a private healthcare policy.

    Can an international student get health insurance in the USA?

    Yes, there’s health insurance for international students available in the USA. If you’re staying in the US as an international student, it’s recommended that you get student health insurance to cover yourself should you ever need medical treatment. Take a look at our USA student and expat insurance plans to find a suitable policy for your needs.

    What happens if a foreigner needs medical care in the USA?

    Foreign travelers, expats and students in need of medical care in the USA will have to pay for any treatments they receive if they don’t have valid insurance. Prices are likely to be high – it’s claimed that getting a few stitches at a hospital emergency room could cost hundreds of dollars. As a result, many foreigners buy tailored health insurance in the USA.

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