Why U.S. care models don’t work abroad—and what really matters when care crosses borders.
At first glance, a global healthcare network might seem similar to what we know in the U.S.—a group of doctors and hospitals that work with an insurance carrier to provide care at agreed-upon rates. Same idea, just on a larger scale . . . right?
Not exactly.
Healthcare systems around the world operate differently. That’s why global networks must take a different approach.
Why U.S. healthcare models don’t translate.
In the U.S., most people pay a share of the cost when they get care. This includes copays, deductibles, or coinsurance. After a visit, providers send the bill to the insurance company and receive payment later.
In many other countries, healthcare follows a different model—often run and funded by the government. Doctors and hospitals in those systems usually expect full payment at the time of service. When a U.S.-style plan includes cost-sharing, it often doesn’t match how those providers work. That’s why global networks need a setup that aligns with local systems.
What really matters in a global network.
In the U.S., we often measure a network’s strength by its size and the discounts it offers. Outside the U.S., those benchmarks don’t always tell the full story. Here’s what truly matters:
- Reliable quality care. Healthcare quality can vary across countries. Some areas have limited resources or follow different treatment standards. A strong global network identifies accessible, high-quality providers, especially in regions with fewer options.
- Direct payment to providers. Many international providers expect full payment immediately. The most effective global networks pay providers directly—so members don’t need to pay upfront and wait for reimbursement.
- Familiar, comfortable care. For expats and frequent travelers, familiarity builds confidence. U.S. members often prefer English-speaking doctors trained in systems similar to what they know who are accustomed to seeing expats and travelers. That comfort level encourages timely care.
- Local coverage where required. Some countries like the UAE, Qatar, Saudi Arabia, the Netherlands and Australia require expats to join a local health plan. Insurers that partner with in-country carriers can meet those legal requirements and ensure local access. Not all carriers offer this.
- A trusted name. In the U.S., most doctors recognize major insurance brands. Globally, that’s not always the case. A well-known, trusted name gives providers confidence in timely payment—and that helps members get care without added stress.
Helping your clients make smart choices.
When you understand how global networks work, you can guide your clients more effectively—especially those supporting employees abroad.
A strong global network offers more than just access. It provides quality care, smoother experiences and peace of mind in unfamiliar places.
When you explain these differences clearly, you show clients you’re not just offering a product—you’re helping them choose the right solution to support a complex global healthcare system.
