AARO’s Health Care Program for Expatriate America
Since 1987 AARO has provided a reasonably priced health care plan to Americans resident outside the USA. Backed by an internationally recognized insurer and administered by Mobilité Saint Honoré, it is designed for AARO's American members living abroad, who have no medical insurance in their country of residence or wish to supplement their local plan.
The AARO medical insurance plans are open to US citizens whose primary residence is outside the USA and who become members of AARO.
AARO’s health care program not only offers coverage in any country of residence outside the USA but also insures emergency medical costs incurred elsewhere, including the USA, with reasonable US medical expenses reimbursed up to 80% during a maximum of 30 days annually. The program offers a variety of plans, from hospitalization to comprehensive coverage, including outpatient, dental and optical care. Pregnancy and childbirth costs are also covered by certain plans.
In many countries the AARO plans can be used to meet residence requirements for private health care insurance or to supplement local social security protection.
An annual fee of $30 (€20) is charged per family for AARO's administrative costs associated with the program. AARO does not receive any payments from from its carrier or its program administrator.
AARO believes it has a health care plan for you at a cost reasonable by US standards.
Most applications to the plan are approved. However, AARO's carrier reserves the right to reject applicants receiving treatment for serious illness or a combination of illnesses which raise the applicant's risk profile.
Insurance Information
2012 Annual Premium Healthcare Plan and Assistance.pdf
AARO 2011 Brochure_V06.2010.pdf AARO Application Form: How to Subscribe_V01.2011.pdf AARO Assistance and Repatriation_V01.2011.pdf AARO CB Debit Authorization Form_V01.2011.pdf AARO Medical Questionnaire_V01.2011.pdf
The challenge of obtaining health insurance as an American in France.
In the April 2008 AARP magazine Perspectives column, Thomas Rose, former President of Association of Americans Resident Overseas (AARO) and current chair of the Insurance Committee discusses the challenge of obtaining health insurance as an American in France. http://www.aarpinternational.org/resourcelibrary/resourcelibrary_show.htm?doc_id=678534
Members of the AARO Medical Insurance programs:
From AARO Medical Insurance coordinator to all subscribers:
Please be advised that your premiums on AARO medical insurance will be increased as of January 1, 2012 as follows:
- On Supplementary coverage, the increase will be 5% across the board. This has been dictated by the financial results of Supplementary Programs.
- On all First Euro coverage, the increase will be 2% across the board.
Your premium may also be affected if your age promotes you into a higher age-group category.
Although increases are not good news, let me remind you that our underwriter has not raised the premiums (with the exception of a minor increase in 2010 due to a change of terms for medical repatriation) for at least the last three years, despite its right to do so according to relevant Inflation indexes of medical services. Moreover, a new tax on insurance coverage has burdened the financial results.
The AARO programs remain soundly managed and dedicated to making relations with subscribers as user-friendly as possible. On-line information regarding your account is one example of this. Please don’t hesitate to bring your comments and suggestions to the attention of European Benefits Administrators (EBA), manager of the programs.
Each subscriber will receive a letter in the next ten days from EBA detailing the new premium for 2012.
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