Moving to the US? We've got you.
Relocating to the US is a big change. This hub walks you through the US benefits system, what to expect, and how to enroll — step by step.
US benefits are different
If you're coming from a country with public healthcare or a different benefits model, the US system may feel unfamiliar. Here's what's important to know.
Employer-sponsored coverage
In the US, your health insurance is provided through BMC — not by a government.
You choose your plan
You'll select from a variety of plans including medical, dental, and vision during enrollment
Cost-sharing
Plans have premiums, deductibles, copays, and coinsurance — we'll explain each one.
Understanding US benefits language
These terms will come up as you review your plan options. Here's a quick reference.
Premium
The amount deducted from your paycheck each period for your health coverage.
Deductible
The amount you pay out of pocket before your plan starts paying.
Copay
A fixed dollar amount you pay for a covered service (e.g., $25 for a doctor visit).
Coinsurance
Your percentage share of costs after meeting your deductible (e.g., you pay 20%).
In-Network
Doctors and facilities that have contracted rates with your insurance plan.
Out-of-Pocket Max
The most you pay in a year before insurance covers 100%.
HSA
Health Savings Account — tax-free savings for medical expenses.
Open Enrollment
The annual window when you can change your benefits elections.
Transition step by step
Follow this timeline to make your transition smooth and complete.
Review the US benefits overview
Read the Welcome to US Benefits guide sent to your personal email.
Gather dependent documents
Collect supporting documents (proof of marriage, birth certificates, etc.), dates of birth, and addresses for anyone you want to cover.
Attend benefits orientation
Join the live session or watch the recorded overview.
Complete enrollment
Submit your elections within 31 days of joining the US payroll through the enrollment portal.
Set up HSA and 401(k) (Optional)
Activate your wellness account and start retirement contributions.
Settle in and review
Schedule a check-in with the Benefits Team to make sure everything is set.
SSN and Enrollment
If your Social Security Number hasn't been issued yet, you can still enroll. You will be issued a temporary ID that allows you to enroll once you begin working in the US. Once you receive your SSN, please advise Benefits so that your permanent account may be opened and your temporary account details can be migrated.
International dependents
If your family members haven't relocated yet, you can still add them to your coverage. Contact the Benefits Team for guidance.
Transition Resources
Helpful tools and documents for your move to US benefits.
Transition FAQs
Do I lose my benefits from my home country?
Your home country benefits typically end when you transfer to the US payroll. US benefits coverage begins on your US start date. The transition is designed so there is no gap in coverage — your US enrollment window opens immediately. Work with your HR representative and the global mobility team to confirm exact timing for your situation.
Can I use my current doctors?
Your US medical plan uses a provider network specific to the United States. If your current doctors are based outside the US, they will likely be out of network under your new plan. Use your plan's provider directory to find in-network doctors, dentists, and specialists near your US location. You can search for providers before your coverage begins so you are ready from day one.
Is there a dedicated contact for international transfers?
Yes. BMC provides support specifically for employees transitioning from global offices to US-based roles. Your HR representative can connect you with the global mobility team, who can assist with benefits transition timing, enrollment guidance, and coordination between your home country and US benefits. You can also reach the benefits team through the Contacts page.
What if my family is still abroad?
If your dependents remain outside the United States while you transition, your US medical plan may still cover them — but access to in-network providers will be limited to the US. Emergency and urgent care may be covered internationally depending on your plan. Contact the benefits team to discuss your specific family situation and explore coverage options, including any interim international coverage that may be available during your transition.