We’re heading back to the US this summer to drop our daughter off to college. We’ll have to stay 6 weeks (two Pfizer shots 3 weeks apart + 2 week self-health management + 1 week college drop-off). As we all know, NHI reimburses for overseas medical, but only at the average service rate within Taiwan. Medical care in US is 10x the cost. We’re US citizens and our initial screen found:
- Healthcare.gov (most expensive, least coverage)
- Short-term health insurance like UnitedHealthOne (no pre-existing conditions or COVID coverage)
- Travel health insurance like Patriot Platinum America (cheapest, includes COVID coverage)
- Self-insure (not a rational option during the pandemic)
We haven’t checked the Taiwan insurance companies yet. Any suggestions or previous experiences are much appreciated!