Premiums, deductibles, copays — what you'll actually pay

Having insurance does not mean care is free. The vocabulary here is what catches people out — and it's the difference between a $30 visit and a $3,000 bill.

Key points to understand

Premium (monthly), deductible (what you pay before cover starts), copay/coinsurance (your share after)

Premium (monthly), deductible (what you pay before cover starts), copay/coinsurance (your share after). In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

Out-of-pocket maximum — the ceiling that actually protects you in a bad year

Out-of-pocket maximum — the ceiling that actually protects you in a bad year. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

In-network vs out-of-network: the same treatment can cost wildly different amounts

In-network vs out-of-network: the same treatment can cost wildly different amounts. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

Practical tips

• Prepare your documents and translations in advance — most delays come from missing paperwork.
• Always note the office name, address, and a contact number before you go.
• Ask the community on MyHAbroad if you’re unsure — chances are someone has already been through it.