Why is it necessary to have insurance in the U.S.?

Coverage of social security will not reimburse you your costs up extremely high amounts practiced by U.S. hospitals and doctors.

Your insurance will not reimburse you further your health care costs in the United States.

Once you arrive in the U.S., either for sightseeing or to settle permanently, your insurance will not take additional care unless you have a contract stating that coverage, which is extremely rare.

Medical costs are among the highest in the world.

Health care costs are out of proportion to what we know in Europe. If you have an accident or if you get sick, you will suffer the financial consequences for a long time or for life.
The US consultations with a general practitioner starting from $ 70 to over $ 300. Consultation with a specialist is still much higher. Drugs are much more expensive and a simple blood test can easily cost you $ 150.

The medical process quickly becomes very expensive.

In the U.S., if you get sick with influenza, which is not what's worse ... your first visit to the doctor usually will cost a minimum of $ 150 (the following consultations are often less expensive but remain around $ 100), he will prescribe antibiotics for example that will be much more expensive and not reimbursed by the U.S. Social Security.

The American social system is very different from the European and especially French social security. Remember that Social Security is not an American health insurance in the sense we understand it in France with social security.

No hospital or American doctor, unless you're at the point of death, will agree to treat you if you can not have a credit card or a care insurance.

Before you administer any medical care in the United States, you will be asked to prove that you are "insolvent" (show a care insurance, your credit card ... etc.).. If you need to be hospitalized, this can be very expensive and if you do not have insurance, you can sometimes suffer the consequences of your life ... So choose an insurance policy that is committed to provide a support in as soon as possible and have the relay in the United States or a platform of contact available 24/24 and 7 days on 7.

Your credit card does not offer health insurance adapted to American medical costs.

Insurance with your credit card (Visa, Mastercard, American Express) are more like support contracts that assists you in case of incidents, for a short time without offering you a real health insurance and under no circumstances if you stay more than 3 consecutive months in the United States.

In general, insurance coverage (mainly insurance against accidental death or disability) apply only if you purchased your ticket with the card. Concerning the reimbursement of medical expenses, the maximum insurance credit card are very low and insignificant compared to the high cost of medical expenses in the United States or the maximum reimbursement is higher (eg Visa Premier card), you to pay a franchise high for all care generated.

Do not mess with health.

According to the adage "prevention is better than cure", take all measures to prevent a health glitch or it will cost much especially in the United States.