Know what options exist or how to plan for health coverage while on an exchange program if you have pre-existing conditions or need ongoing medications and treatment while abroad.
Plans offered to international exchange participants for less than a year of coverage are not fully licensed products so changes to U.S. health laws through the Patient Protection and Affordable Care Act (ACA) do not apply. These plans can increase costs, have pre-existing condition exclusions, or deny enrollment to an individual based on health status.
"Every four hours, every day, for the past fifteen years I have had to insert a tube to empty my bladder" writes John Hockenberry in his book "Moving Violations," which accounts his international travels as a journalist who happens to have a disability. "It is a detail which can remain fairly discreetly hidden in most situations."
Hidden, that is, until Hockenberry found himself reporting abroad in a remote area of Iraq "soaked in mud and surrounded by human waste," struggling to minimize the risk of contamination while going about his business.