Navigator International Medical Insurance
Navigator is one of our best plans. It's good health insurance overseas. It's great missionary insurance. And it's also got great coverage in the U.S. Most of the other plans we have require you to be outside of the U.S. for six months. So that means you have up to six months of coverage in the U.S. per year. But the Navigator is special in this area because coverage is unlimited.
There's only one requirement, and that's the first year, you must have, you must be outside of the U.S. for at least three months. So that means you have up to nine months of coverage in the U.S. before you have to leave, if you want to do that. But after your renewal, there's unlimited coverage, so even if you move back its OK. If you take a really long furlough, you're OK. You can renew. So basically, you can renew as long as you want. It's not ACA compliant, so that's one thing about this. The ACA is Obamacare, or Affordable Care Act. Basically, health plans have to have a certain amount of coverage and otherwise you may receive a tax penalty.
For expatriates, there is no penalty or anything, so just keep in mind that these plans, nor any of our individual plans are ACA compliant. Despite not being ACA compliant, you can still get coverage anywhere. The Navigator also has a great network: Blue Cross Blue Shield and Aetna. I actually have a link to the other information video on that right below. So you can check that out if you need to. So we always recommend going in network, and overall the health coverage in the U.S. is excellent, so wherever you are in the world, Navigator is up there. It's top of the line. So this is why it's excellent missionary insurance. It's got the excellent U.S. coverage and simultaneously has the health coverage overseas. So, there you have it. That's about it for the U.S. coverage.
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