Working expats in the U.S. will have insurance covered by the company and for those who are not working, it is best to opt for travel insurance issued by their home country which enables covering the bills first and getting it reimbursed using proof like hospital receipts. What their expat health insurance plans include find those in detailed at now-health.com.
Company insured people will have co-payments, meaning a part of fee incurred at hospital will be deducted from the employee’s salary. The deductible fee might vary for specialists like Gynecologist or Dentist from a general practitioner. It is always advisable to have some form of expat health insurance coverage, since the cost of healthcare is immense in USA, which may not be usually affordable.