In the complex world of expatriate health insurance, finding
USA health insurance solutions tailored to the specific needs of your company and its employees can be a real challenge, especially when it comes to protecting a French family and a team of employees based in the USA. To illustrate this issue, we invite you to read the testimonial of Olivier, CEO of an Atlanta-based technology company. Faced with the challenges posed by legislation that varies from state to state, Olivier found in Santexpat.fr a trusted partner to effectively cover his family and 15 employees in the USA. This story shows how Santexpat.fr has become the ideal choice for meeting companies’
expatriate health insurance requirements.
Hello Olivier. Could you introduce yourself and tell us what are the most important things to know when you meet the Santexpat.fr team?
Hello. I run a Tech company based in Atlanta
(LENET). I took out the Santexpat.fr contract through a friend who was in Miami at the time and is in Atlanta now. It was he who put me in touch with Santexpat.fr, and I later realized that Jean-Christophe PANDOLFI, whom I already knew very well when he himself was an expatriate in Atlanta like me, is the founder and CEO of Santexpat.fr! We did a benchmark of all existing solutions. We looked at American, French and
Englishinsurances… and Santexpat.fr’s offer appeared to be the best.
Why did you find the Santexpat.fr offer the best?
We particularly liked the system, where everything is taken care of and there are no
deductibles. Because of our sector, our employees are mainly foreigners. We had never offered insurance to our employees before we met Santexpat.fr, but when my company was acquired and merged with another NYC-based company 18 months ago, it seemed an obvious need to retain our employees. Thanks to the rates offered by Santexpat.fr, we were able to afford it.
How many employees are covered by Santexpat.fr?
We have a total of 15 people covered in the United States. All our employees based in the territory are covered, whatever their nationality (with the exception of American employees), and above all whatever the US state in which they are based. In fact, we have French, Malian, Moroccan, Algerian and Vietnamese employees based in Los Angeles, Atlanta, Miami and NYC. That’s a huge asset when you consider how complex and sometimes inadequate the American healthcare system is.
Can you give us a concrete example of how Santexpat.fr has helped you since you signed the contract?
Yes, I can! One of our employees based in NYC, hired less than a year ago, is currently experiencing serious health problems. He’s covered thanks to Santexpat.fr and he recently told me: “Really, thank you for this insurance, it’s a good thing I had it, otherwise I’d have had to pay $6,000 out of pocket!” With traditional American insurance, the premium would have been $800 a month for a derisory reimbursement in the end. With Santexpat.fr,
it costs us half as much, and this employee was able to get 100% coverage with no deductible. As a company, it’s a great way to please and retain employees.
Did you also opt for family coverage?
Yes, absolutely. My whole family is included, as is another of our employees who has requested it. Our other employees didn’t need it and didn’t ask for it, as they weren’t parents yet! Everything is taken care of by the company.
If you had to sum up Santexpat.fr in 3 words?
100% reimbursement, no
co-pay, and… friend (for Jean-Christophe!)
Moving to the USA, Olivier’s story
The story of Olivier and his company in Atlanta (USA) reveals how his encounter with Santexpat.fr transformed his approach to expatriate health insurance in the USA. Through a careful review of the solutions available on Santexpat.fr our experts found the offer best suited to Olivier’s needs, thanks to comprehensive coverage, no
deductibles, and affordable rates. A concrete example illustrates how Santexpat.fr helped an employee avoid astronomical medical bills in the US, offering 100% coverage with no
co-pays, while costing far less than traditional US insurance. As a company, this has contributed to employee loyalty and invaluable peace of mind. This story highlights the benefits of health insurance for expatriates in the USA. The Santexpat.fr teams are here to help.
Covering your employees in the USA
Social protection for French employees in the United States represents a major challenge for companies expatriating their teams. Unlike the French healthcare system, which is based on universal coverage,
the United States has a private model where the cost of medical care can be astronomical. To guarantee appropriate care, it is essential to take out international health insurance or a specific insurance plan, capable of meeting the needs of expatriates. In addition, companies must ensure the continuity of their employees’ social rights, particularly in terms of retirement or work-related accidents, to secure their future and maintain a high level of satisfaction and productivity. Proactive, personalized management of insurance contracts makes it possible to reconcile legal obligations, employee expectations and cost control for the company.
Insuring your family’s health in the USA
Moving to the United States with your family means taking up the challenge of providing appropriate health cover, in a country where medical costs are among the highest in the world. For French expatriate families, taking out international health insurance is a must. It must offer comprehensive coverage to meet the specific needs of each family member, including medical consultations, hospitalization, maternity and pediatric care. Families with school-age children can also benefit from cover that includes regular medical check-ups and vaccinations required for admission to local schools. By choosing a health insurance plan that takes these specific needs into account, French families in the United States can live their expatriation with peace of mind, assured of access to the best medical care. Interview conducted in April 2021
