New American

Comprehensive Affordable Health Care (Obamacare) compliant health coverage for foreign nationals



An Affordable Care Act (Obamacare) compliant health plan & wellness program for US-bound expatriates and their families

Keeping your family healthy has never been this easy

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.

  • Includes an Affordable Health Care (Obamacare) compliant health plan designed to offer a comprehensive coverage to expatriates and their families.
  • Access to a medical provider network of over 1.1 million healthcare professionals.
  • Innovative wellness tools such as the Mobile Personal Health Records (PHR) with a record retrieval assistance to better manage the health of your entire family.
  • 24/7 ConciergeCare service, medical assistance, e-Consultations and a variety of other services
Going Beyond Expat Health Insurance

Your personal ConciergeCare counselor will help you to:

  • Schedule medical appointments
  • Get a second medical opinion
  • Use case management services
  • Arrange emergency repatriation
  • Provide clear information about the complex US healthcare system.


A unique combination of health coverage and wellness tools for a smooth expatriation to the United States

Complete health and wellness options for you and your family
  • USA-compliant coverage with unlimited annual maximums, no waiting periods, and no tax penalty
  • Three New American plans available:
    • Premier Freedom
    • Prestige Freedom
    • Elite Freedom
  • Competitive prices with free coverage starting from your third child if your plan includes both parents
  • Access to medical services through a worldwide Open-access network provider with no necessary referrals
  • Access to our ConciergeCare counselors available in different languages
  • Convenient and efficient mail-in pharmacy network
  • Mobile Personal Health Record (PHR) access with your medical record history
  • Online e-Consultations with pre-approved medical experts
  • Second medical opinion from an accredited doctor delivered within 48 hours
  • Digital health and wellness resources including state-by-state guides to accessing healthcare.

New American Plans

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

How are our Expatriate programs different from traditional international health insurance?

  • Affordable Care Act (Obamacare) compliance meets the Minimum Essential Coverage (MEC) requirements so that our members will not be forced to pay a tax penalty
  • Inclusion of wellness and preventive care benefits such as blood pressure and cholesterol screening, mammogram, immunization, colonoscopy and much more
  • Unlimited lifetime benefits
  • A mobile Personal Health Record (PHR), ConciergeCare customer service and a travel allowance to return home for certain types of medical care
  • Competitive Price

Our ConciergeCare Services are designed to provide complete assistance and peace of mind.

Navigate the largest health system in the world with ease and peace of mind.

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 guideline

We 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:
  • 24/7 emergency medical assistance
  • Disease and case management
  • Provider search assistance and appointment setting with the best in class providers
  • Multi-lingual 5-star customer service
  • Social assistance and counseling for expatriates and their families

Your doctor whenever and wherever you are!

E-Consultations and second medical opinion

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.

  • Obtain a second medical opinion online
  • Access a large network of doctors and medical specialists
  • Set appointments online
  • Retrieve your medical records via smartphone to get a quick view of your medical history
  • Receive a medical report with diagnosis and a recommended treatment plan
  • Reduce E.R. visits and unnecessary treatment
Convenience and peace of mind when you need it most

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.

  • What is ACA - Obamacare?

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.

  • What is the Individual Mandate?

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.

  • Does The ACA and Individual Mandate Affect Expats?

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.

  • How do I avoid the penalties?

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.