– USA Free Health Insurance for Africans and Migration Opportunity –
It is said that health is wealth, which is very true. When you are healthy, you are wealthy as you can save for rainy days. USA Free Health Insurance for Africans and Migration Opportunity can help you. They give you access to free health insurance if you are an African and also an immigrant. These expenses could be related to hospitalisation costs, cost of medicines or doctor’s consultation fees.
Health insurance is a type of insurance that covers medical expenses that arise because of an illness. In terms of health care, governments face several challenges, including a lack of funds and poor infrastructure.
This is compounded by epidemics, poverty and the brain drain of homegrown doctors moving abroad, in search of higher wages and a better standard of living.
List of African Countries with USA free Health Insurance
Free Health care in the United States is provided by many distinct organizations, made up of insurance companies, healthcare providers, hospital systems, and independent providers.
Here is a list of African countries enjoying free health insurance by the U. S government:
1. Nigeria Health Insurance
While Nigeria has a public health service financed through a national insurance scheme, newcomers to the country might want to consider their own private medical insurance, use private health care facilities, and make sure they are covered for repatriation (in the event of death) or medical evacuation to another well-equipped country. If really necessary.
Public health care is improving, but it faces several difficulties, including a low ratio of doctors at only 1 per 2,000 inhabitants (low on a global scale but higher than most of its African neighbours) and an infrastructure struggling to cope.
The country spends 3.7% of its GDP on health care: a figure well below the global average but on a par with many of the surrounding countries.
Although it has a network of multi-discipline hospitals, mainly in the more urban areas, doctors complain of low pay.
Despite only being ranked at 187 on the World Health Organization’s (WHO) league tables (World health report published in 2000) for the overall effectiveness of its health care system.
Several initiatives are improving life for inhabitants, including family planning and immunisation programmes, and the country’s prospects continue to change as its economy grows to become one of the largest in Africa.
There is an excellent level of care to be found at the private hospitals in the major cities and around the game parks in South Africa, so much so that it’s not uncommon for patients to be flown in for treatment from other countries.
This is against a backdrop of a poor standard of public health care and one of the shortest average life expectancies on the planet. It’s fair to say that South Africa has more than its fair share of challenges.
As a whole, the country spends nearly 9% of its GDP on health care (on a par with countries like Spain and Malta) but the doctor to population ratio is just under 1 to 1000, well below the world average.
As public facilities can be poorly equipped, overcrowded, and waiting times long, comprehensive private medical insurance is worth thinking about for anyone looking to move to South Africa.
3. Kenya Health Insurance
With spending on health care just 5.7% of GDP, low by global standards, it is higher than that of some neighbouring countries like Sudan and Ethiopia.
There is one doctor per 5,000 inhabitants and there can be a huge variation in standards of care across geographical areas, private and public facilities, and the type of treatment available.
The best private hospitals are in the larger cities such as Nairobi and Mombasa, offering the kind of provision akin to that available in developed countries for many conditions.
Foreign nationals can join the national health insurance scheme (which is compulsory for civil service staff), but most have their own private insurance, often arranged by an employer.
Consider having insurance in place to cover evacuation or repatriation, and set cash aside in case any payments need to be made upfront.
4. Zimbabwe Health Insurance
Foreign nationals seeking to live and work in Zimbabwe might want to ensure they have adequate private medical insurance to cover private treatment and evacuation to somewhere with additional facilities, if necessary.
The availability of staff, beds, technology, and pharmaceuticals is unreliable in hospitals and, although the government has promised to improve the health of the nation as a whole, many foreign nationals will find that provision is under-funded and varies in standard.
Have access to enough cash to cover emergency care, as many private clinics will not treat patients until they have paid upfront.
With just 1 doctor per 10,000 people, the World Health Organization ranks as 155th out of 191 in the world the country’s health care system.
5. Zambia Health Insurance
Although Zambia has a basic public health care system, most newcomers and wealthier Zambians use the private system.
With much of the international community and commerce based around Lusaka, this is where the best private hospitals are located.
Those relocating to live in mining community compounds may find there are medical facilities on-site, provided by their employer.
The country as a whole spends 5% of its GDP on health care (less than a third of somewhere like the U.S.) And the health care system sits in position 182 out of 191 countries on WHO’s league table.
Public facilities are below the standard found in more developed countries and, with doctors receiving better pay in private hospitals and abroad, the country is struggling to keep its talent there is roughly 1 doctor per 6,000 inhabitants (compared with nearly 5 for the same amount of people in South Africa).
6. Tanzania Health Insurance
One of the poorest countries in the world, the standard of health care facilities in Tanzania is low by global standards.
There has been much improvement in recent years but challenges such as underfunding (just 5.6% of GDP, which translates as $51 per capita, compared to $4,000 per capita in the UK), chronic staff shortages (just one doctor per 30,000 inhabitants), and a lack of medical technology mean that provision is inadequate for both the population and foreign workers alike.
Despite this, the health care system sits at 156th place on the WHO league table, which although poor is still above many neighbouring countries such as Mozambique and Zambia.
The government has a universal health care programme, but the quality and scarcity of facilities (only available in urban areas) mean that foreign nationals might want to think about having comprehensive private medical insurance, including cover for medical evacuation to other territories with higher standard facilities, such as Kenya and South Africa, in the event of a medical emergency.
7. Uganda Health Insurance
While the standard of medical facilities in Uganda differs from those found in developed countries, there are private clinics in Kampala that offer a good level of provision–some employing British doctors.
Publicly run hospitals, and those in rural areas, maybe overcrowded and under-stocked, and private clinics very expensive, so ex-pats will want to consider having comprehensive private medical insurance.
It’s worth investigating whether the insurance covers treatment and evacuation to countries with better facilities, such as South Africa, as well as repatriation if necessary.
They commonly spoken English across the country, so a language barrier shouldn’t be a problem. WHO ranked Uganda’s health care system in 149th place out of 191 countries in the world.
There is roughly one doctor per 1,000 people (not dissimilar to many neighbouring states) and its population spends 7.2% of its GDP on keeping healthy.
● Guidelines on Health Insurance for Immigrant
With differing economies, governments and approaches to public health care, it’s impossible to summarise the standard of health care across the continent. But there are several common-sense guidelines every newcomer would do well to consider:
Poor infrastructure may mean provision in rural and remote areas is sparse or non-existent. Major cities and tourist areas are more likely to have good medical facilities, university hospitals, and specialist cardiac care centres.
Where there is a shortage of doctors, you may find they are mainly in the major hospitals, with satellite clinics being staffed by nurses or medically trained community personnel.
Private facilities may provide better services and care, but some may require a deposit before treatment starts — even in an emergency. It’s important you have enough funds available and talk to your insurance provider as soon as you can.
Make sure your medical insurance company has permission to operate in the area. Aetna International’s partnership with a Medical Insurance Provider License holder means they have permission to operate in countries like Kenya and Tanzania.
Choose a company that already has good links with doctors and care staff at ground level, as well as across the whole medical network.
Aetna International’s African partnership and access to a wide network of medical experts have seen members go from just four to 15,000 people in under twenty years.
South Africa alone comprises 13 national languages, and although English is widely spoken in urban centres, for ex-pats who don’t have a powerful grasp of English or local languages, it would be worthwhile having a translator with you when seeking medical treatment.
One of the best places for citizens to get information before they move is their own government’s foreign travel website.
The U.S. Passports site is a mine of valuable, up-to-date information, for example, as is the UK’s equivalent. Find details about recent epidemics, what to do in an emergency, and what the general health care provision is like.
If you’re planning to move or travel overseas and need more information on private health care insurance for a specific country, get in touch with one of our expert sales consultants today.
● Guidelines on Migration Opportunities
For anyone considering a move to another country to live and work, it is worth doing some detailed research on the health care system. You will need to find out:
• Where are the best hospitals?
‣ What access do foreign nationals have to universal health care?
• What standard of facilities and personnel are available?
And what about insurance? In most cases, this will be compulsory but, in order to ensure your health and safety, what level of cover will you need? Consider whether you might need:
• Access to a General Practitioner
‣ Inpatient and outpatient care
• Specialist treatment for ongoing care and emergency provision
‣ Evacuation or repatriation if the treatment you need isn’t available locally
Choosing the right health care insurance provider can make all the difference. Established systems, networks and relationships create the operational core of a company like Aetna.
Affordable Care Act (ACA) in The United States
The Affordable Care Act (ACA) is the comprehensive healthcare reform signed into law by President Barack Obama in March 2010.
Formally known as the Patient Protection and Affordable Care Act and often called Obamacare, the law includes a list of healthcare policies intended to extend health insurance coverage to millions of uninsured Americans.
The comprehensive health care reform law was enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”).
● The law has 3 primary goals
1. Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level (FPL). Note: If your income is above 400% FPL, you may still qualify for the premium tax credit in 2021.
2. Expand the Medicaid program to cover all adults with income below 138% of the FPL. (Not all states have expanded their Medicaid programs.)
3. Support innovative medical care delivery methods designed to lower the costs of health care generally.
The ACA was designed to reduce the cost of health insurance coverage for people who qualify. The law includes premium tax credits and cost-sharing reductions to help lower expenses for lower-income individuals and families.
What Immigrants Need to Know About The Affordable Care Act (ACA)
Getting health insurance that you can afford is important. Thanks to the ACA, you can get health coverage to help keep you and your family healthy. The ACA is sometimes called “Obamacare.” If you are an immigrant or refugee, there are some things about the ACA you need to know.
The ACA helps people get health insurance through the Health Insurance Marketplace. We will talk about why you need health insurance coverage, your eligibility for health coverage, and how to enrol in health coverage.
● Why is Health Insurance Important?
Enrolling in quality health insurance for you and your family is critical to your success! Health is important, and emotional and mental wellbeing is part of our overall health.
Adults with serious mental health challenges are more likely to have asthma, high blood pressure and diabetes. Having health insurance makes it easier for you and your family to get and stay healthy.
If you are physically, emotionally, mentally and spiritually healthy, you can be a positive part of your family, friends and community.
No one plans to get sick or hurt, but most people need medical care at some point. People without health insurance are more likely to use the emergency room. Using the emergency room for non-life threatening issues can be expensive.
Health insurance helps cover these costs and protects you from very high expenses.
● What Does Health Insurance Do?
Health insurance helps you get access to affordable, quality health care for your physical and mental health needs, and can also help with substance abuse services.
Health insurance is a contract between you and your insurance company. You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
You can shop for health insurance plans in the Health Insurance Marketplace and find a plan that meets the needs of you and your family.
Each state is different, so depending on where you live, you will have access to different insurance plans. If you don’t have health insurance, you may have to pay a fee.
The fee is also called the “penalty,” “fine,” or “individual shared responsibility payment.” The fee is calculated based on a percentage of your household income or a flat rate per person, whichever is higher.
● Immigrant Concern About Enrollment
You might be worried about enrolling because the application is hard to complete or you might be confused about eligibility.
You might also be worried about immigration enforcement, especially if people in your family have different immigration statuses, and if you might expose other family members to the risk of deportation.
If you work in seasonal jobs, are paid in cash or travel or move a lot, it might have been hard for you to renew your coverage.
If you don’t speak or read English well, the forms and notices might be hard to understand. You might also not enrol online because you don’t have a computer or know how to use a computer well.
You and your family might have also had a hard time getting health care, because of transportation and language barriers.
● To Get Insurance You Need to Meet These Requirements
To become a U.S. citizen or be lawfully present in the United States, such individuals have:
1. Qualified non-citizen status without a waiting period
2. Humanitarian statuses or circumstances
3. Valid non-immigrant visa
4. Legal Status conferred by other laws
While there are many barriers for immigrants and refugees and their families. The ACA and Marketplace make it easier to get health insurance and health care.
The Marketplace is where you can find private insurance plans and get help to pay for insurance. There are some things you need to know about eligibility.
In order to get private health insurance through the Marketplace, you must be a U.S. citizen or be lawfully present in the United States.
The term “lawfully present” includes individuals who have “qualified non-citizen” immigration status without a waiting period, humanitarian statuses or circumstances, or valid non-immigrant visas.
● You May Qualify for Government Help As an Immigrant
1. If you’re a lawfully present individual, you can get private health insurance on the Marketplace. You might be able to get help pay for insurance too.
2. You may be eligible for lower costs on monthly premiums and lower out-of-pocket costs if your annual income is 400% of the federal poverty level or below or if your annual household income is below 100% federal poverty level.
3. The federal poverty level, or FPL, is a measure of income level issued each year by the Department of Health and Human Services to determine your eligibility for certain programs and benefits.
4. Lawfully present individuals with estimated household incomes of up to 400% of the FPL in 2014 may be eligible for tax credits.
They can use immediately the tax credit to reduce monthly premiums for insurance bought in the Marketplace.
5. 400% of the FPL is about $45,960 for an individual or $94,200 for a family of 4 according to the 2013 Poverty Guidelines.
6. If you are a lawfully present individual with an estimated household income under 100% of the FPL in 2014 and not eligible for Medicaid, you will be eligible for tax credits and lower out-of-pocket costs for private insurance through the Marketplace when all other eligibility requirements are met.
7. 100% of the FPL in 2014 is about $11,490 for an individual or $23,550 for a family of 4.
8. When you have insurance, you pay some costs and your insurance plan pays some others.
● Health Insurance Words For Immigrants
Each month, you pay what’s called a premium to have health insurance, even if you do not use any health care services.
Once you’ve paid your premium, most plans help pay for the costs of doctor visits and drugs you only pay a small portion or a fixed amount called a co-pay.
Your insurance company won’t pay anything until you use enough health care services each year to reach what is called a deductible.
After that, your plan will cover most of your costs for you, and you will pay a small percentage called co-insurance.
This amount varies depending on the plan you choose, but a typical plan might cover 80 per cent of the costs once you meet a deductible and you will only pay 20 per cent.
Usually, you pay a lower monthly premium if you have a higher deductible. So if you think you and your family will use a lot of health care in a year, you want a plan with a higher monthly cost. Because it will have a lower overall cost when you add up all of your treatments and medicines.
The out-of-pocket maximum is the most you pay during a policy period, which is usually one year before your health insurance or plan pays 100% for covered essential health benefits.
The maximum out-of-pocket cost limit for any individual Marketplace plan for 2014 can be only $6,350 for an individual plan and $12,700 for a family plan.
Varying wildly from country to country and region to region, public health care does not exist, but most ex-pats will want to use the private sector.
They often base this in large cities and major tourist locations or have international health insurance and funds to be evacuated to another country.
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