{"id":40921,"date":"2024-10-01T08:00:00","date_gmt":"2024-10-01T06:00:00","guid":{"rendered":"https:\/\/agoraexpat.com\/?p=40921"},"modified":"2024-10-07T09:25:36","modified_gmt":"2024-10-07T07:25:36","slug":"decouvrez-le-parcours-deric-thoby-fondateur-dagoraexpat","status":"publish","type":"post","link":"https:\/\/agoraexpat.com\/decouvrez-le-parcours-deric-thoby-fondateur-dagoraexpat\/","title":{"rendered":"D\u00e9couvrez le parcours d&#8217;Eric Thoby, fondateur d&#8217;AgoraExpat"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Header mobile&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(0,0,0,0)&#8221; positioning=&#8221;fixed&#8221; position_origin_f=&#8221;top_center&#8221; vertical_offset=&#8221;55px&#8221; custom_margin=&#8221;||-274px|||&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; custom_padding_tablet=&#8221;45px||45px||true|false&#8221; 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custom_css_main_element=&#8221;margin: auto !important;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_menu menu_style=&#8221;centered&#8221; menu_icon_color=&#8221;#000000&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; menu_font=&#8221;Open Sans|600|||||||&#8221; menu_text_color=&#8221;#000000&#8243; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_menu][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;margin: auto !important;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<a href=\"mailto:contact@agoraexpat.com\"><img decoding=\"async\" style=\"margin-right: 6px\" src=\"https:\/\/agoraexpat.com\/wp-content\/uploads\/2024\/04\/CONTACT-page-contactez-nous.png\" width=\"40\" alt=\"\" class=\"wp-image-39766 alignnone size-medium\" \/><\/a> <a href=\"\/rappel\"><img decoding=\"async\" style=\"margin-right: 15px\" src=\"https:\/\/agoraexpat.com\/wp-content\/uploads\/2024\/04\/TELEPHONE.png\" width=\"40\" alt=\"\" class=\"wp-image-39764 alignnone size-full\" \/><\/a><a href=\"\/devis\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/agoraexpat.com\/wp-content\/uploads\/2024\/04\/DEMANDER-DEVIS-1.png\" width=\"170\" height=\"61\" alt=\"\" class=\"wp-image-39768 alignnone size-full\" \/><\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Top bar&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e2e2e2&#8243; positioning=&#8221;fixed&#8221; position_origin_f=&#8221;top_center&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;10px||10px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;margin-bottom: 0 !important;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; link_option_url=&#8221;tel:0033977219960 &#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: right;\"><span style=\"color: #ff6600;\">+33 (0)9 77 21 99 60\u00a0 \u00a0 \u00a0contact@agoraexpat.com<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.3&#8243; background_color_gradient_direction=&#8221;110deg&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;stretch&#8221; background_blend=&#8221;multiply&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; max_width=&#8221;850px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Texte&#8221; _builder_version=&#8221;4.24.3&#8243; text_font=&#8221;Lato||||||||&#8221; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;40px&#8221; header_line_height=&#8221;1.2em&#8221; background_layout=&#8221;dark&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|tablet&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;18px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_phone=&#8221;35px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>D\u00e9couvrez le parcours d&#8217;<span style=\"color: #ff6600;\">Eric Thoby<\/span>, fondateur d&#8217;<span style=\"color: #ff6600;\">AgoraExpat<\/span><\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#000000&#8243; 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button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_color=&#8221;#000000&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;16px|30px|16px|30px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_enable_color__hover=&#8221;on&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|30px||43px|true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Header&#8221; _builder_version=&#8221;4.24.3&#8243; background_enable_color=&#8221;off&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;contain&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; max_width=&#8221;850px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.3&#8243; text_font_size=&#8221;17px&#8221; text_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;justify&#8221; text_text_align=&#8221;justify&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Aujourd&#8217;hui, nous avons le plaisir de recevoir <span style=\"color: #ff6600;\"><strong>\u00c9ric Thoby,<\/strong><\/span> fondateur d&#8217;<strong><a href=\"http:\/\/www.agoraexpat.com\" target=\"_blank\" rel=\"noopener\">Agoraexpat<\/a><\/strong>, une entreprise d\u00e9di\u00e9e \u00e0 la protection m\u00e9dicale des expatri\u00e9s, notamment aux \u00c9tats-Unis.<\/p>\n<p>Install\u00e9 \u00e0 New York depuis 20 ans, <strong><span style=\"color: #ff6600;\">\u00c9ric<\/span><\/strong> a vite saisi les d\u00e9fis uniques que rencontrent les expatri\u00e9s, en particulier sur <strong>l\u2019assurance sant\u00e9<\/strong>.<\/p>\n<p>Fort de son exp\u00e9rience personnelle, il a cr\u00e9\u00e9 <strong>Agoraexpat<\/strong> pour <strong>offrir un accompagnement sur mesure<\/strong>.<\/p>\n<p>Dans cette interview, <span style=\"color: #ff6600;\"><strong>\u00c9ric<\/strong><\/span> nous raconte son parcours, les d\u00e9fis de <strong>l\u2019entrepreneuriat \u00e0 l\u2019\u00e9tranger<\/strong>, et partage ses conseils pour r\u00e9ussir son expatriation avec une bonne couverture sant\u00e9.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/agoraexpat.com\/wp-content\/uploads\/2024\/09\/Eric-Thoby-1.jpg&#8221; alt=&#8221;Eric Thoby&#8221; title_text=&#8221;Eric Thoby&#8221; url=&#8221;https:\/\/www.agoraexpat.com\/&#8221; url_new_window=&#8221;on&#8221; admin_label=&#8221;Image&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; max_width=&#8221;850px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.3&#8243; text_font_size=&#8221;17px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_text_align=&#8221;left&#8221; header_2_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;justified&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"react-scroll-to-bottom--css-knvpb-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-knvpb-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary\" data-testid=\"conversation-turn-5\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem] } group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-[calc(100%-115px)] agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div data-message-author-role=\"assistant\" data-message-id=\"1dd50f2e-554a-403d-bb70-652e29247fd3\" class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<h2>Bonjour Eric, pouvez-vous nous raconter d\u2019o\u00f9 est n\u00e9e l\u2019id\u00e9e de <span style=\"color: #ff6600;\">fonder Agoraexpat<\/span> ?<\/h2>\n<p>J\u2019ai d&#8217;abord travaill\u00e9 pendant 15 ann\u00e9es comme Directeur R\u00e9gional Nord Am\u00e9rique d\u2019un groupe fran\u00e7ais sp\u00e9cialis\u00e9 en gestion de patrimoine pour les Fran\u00e7ais \u00e0 l\u2019\u00e9tranger. Pour bien les conseiller et parvenir \u00e0 la meilleure optimisation possible, il \u00e9tait n\u00e9cessaire de faire des bilans patrimoniaux complets et de bien conna\u00eetre ses clients.<\/p>\n<p>C\u2019est ainsi et avec cette m\u00eame approche qu\u2019est n\u00e9e l\u2019id\u00e9e de <strong>cr\u00e9er une structure pour expatri\u00e9s sp\u00e9cialis\u00e9e dans le conseil sur mesure pour r\u00e9pondre \u00e0 leurs besoins en termes de couverture sant\u00e9<\/strong>.<\/p>\n<p>Par ailleurs, les USA ayant renforc\u00e9 avec <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Foreign_Account_Tax_Compliance_Act\" target=\"_blank\" rel=\"noopener\">FATCA<\/a> (Foreign Account Tax Compliance Act) les obligations d\u00e9claratives et les contraintes administratives avec les \u00e9tablissements financiers \u00e9tablis hors des USA, il \u00e9tait compliqu\u00e9 de poursuivre une activit\u00e9 de gestion patrimoniale avec une client\u00e8le de Fran\u00e7ais expatri\u00e9s aux USA. En effet, de nombreux acteurs financiers non US se sont alors retir\u00e9s de ce march\u00e9.<\/p>\n<p>J\u2019ai donc d\u00e9cid\u00e9 en 2012 de cr\u00e9er <strong>AGORAEXPAT dont l\u2019activit\u00e9 se concentre essentiellement sur les solutions d\u2019assurance sant\u00e9 et de pr\u00e9voyance.<\/strong><\/p>\n<h2>Lancer <span style=\"color: #ff6600;\">une entreprise aux \u00c9tats-Unis<\/span> en tant qu&#8217;expatri\u00e9 est un challenge. Pourquoi avoir choisi le march\u00e9 des expatri\u00e9s et particuli\u00e8rement aux Etats-Unis ?<\/h2>\n<p>Ma premi\u00e8re exp\u00e9rience avec les USA fut lors de mes \u00e9tudes que j\u2019ai faites en partie \u00e0 NY au College of Insurance (Saint John University) dans le cadre de ma derni\u00e8re ann\u00e9e d\u2019etudes d\u2019Ecole de Commerce Internationale \u00e0 l\u2019ISG en 1993.<\/p>\n<p>Le march\u00e9 de la sant\u00e9 aux USA est le plus cher au monde. De plus, il est complexe et compliqu\u00e9 \u00e0 appr\u00e9hender, et il est souvent n\u00e9cessaire d\u2019\u00eatre bien accompagn\u00e9 pour \u00e9viter les pi\u00e8ges et bien comprendre son fonctionnement.<\/p>\n<p>De plus, c\u2019est un march\u00e9 qui pr\u00e9sente des challenges importants, mais \u00e9galement un potentiel \u00e9lev\u00e9 si l\u2019on en ma\u00eetrise bien les rouages.<\/p>\n<p>Aux USA, vous devez vous entourer d\u2019experts, chacun comp\u00e9tent dans son domaine pour \u00eatre certain de r\u00e9ussir.<\/p>\n<h2>Quels ont \u00e9t\u00e9 <span style=\"color: #ff6600;\">les plus grands d\u00e9fis<\/span> que vous avez rencontr\u00e9s en tant qu&#8217;expatri\u00e9, notamment sur le plan culturel ?<\/h2>\n<p>Au d\u00e9part, on garde naturellement ses r\u00e9flexes fran\u00e7ais, ses habitudes fran\u00e7aises.<\/p>\n<p>Les expatri\u00e9s, et notamment Fran\u00e7ais, pour beaucoup, aiment se retrouver entre eux. Cela caract\u00e9rise parfois une certaine difficult\u00e9 d\u2019adaptation \u00e0 un mode de pens\u00e9e diff\u00e9rente de la leur, \u00e0 des pratiques et coutumes aussi diff\u00e9rentes.<\/p>\n<p>Mais apr\u00e8s plusieurs ann\u00e9es on s\u2019\u00ab am\u00e9ricanise \u00bb, on finit par fonctionner et penser \u00e0 l\u2019am\u00e9ricaine. D\u2019autant plus si vous habitez dans une ville comme New York City ! On commence \u00e0 travailler plus, on prend sans doute moins le temps de s\u2019arr\u00eater, tout va plus vite\u2026 <strong>NYC : the city that never sleeps ! <\/strong>On s\u2019habitue aussi \u00e0 un service rapide et de qualit\u00e9.<\/p>\n<p>En revanche, on profite peut \u00eatre un peu moins d\u2019un style de vie \u00e0 la fran\u00e7aise o\u00f9 la place aux loisirs, vacances et temps de repos sont plus nombreux.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/agoraexpat.com\/wp-content\/uploads\/2024\/09\/IMG_5006-1.jpg&#8221; alt=&#8221;Eric Thoby&#8221; title_text=&#8221;Eric Thoby&#8221; url=&#8221;https:\/\/www.agoraexpat.com\/&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; width=&#8221;70%&#8221; max_width=&#8221;70%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;17px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_text_align=&#8221;left&#8221; header_2_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;justified&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<h2>Quels sont les aspects de la <span style=\"color: #ff6600;\">France<\/span> qui vous manquent le plus ?<\/h2>\n<p>Je dirais les terrasses de caf\u00e9, le fait de pouvoir lire son journal avec son caf\u00e9 au coin du zinc d\u2019un bistro, le boulanger ou la p\u00e2tisserie au coin de sa rue\u2026 le <strong>French art<\/strong> de vivre en quelques sorte !<\/p>\n<h2>Comment votre exp\u00e9rience d&#8217;expatri\u00e9 a-t-elle fa\u00e7onn\u00e9 la mission d&#8217;<span style=\"color: #ff6600;\">Agoraexpat et les services<\/span> que vous proposez aujourd&#8217;hui ?<\/h2>\n<p>J\u2019ai toujours \u00e9t\u00e9 impressionn\u00e9 par le service client aux USA ! Mais aussi par la ville de NY qui ne dort jamais, l\u2019Am\u00e9rique au travail o\u00f9 les magasins sont ouverts 7j\/7&#8230; On peut toujours trouver ce que l\u2019on souhaite quand on veut.<\/p>\n<p>C\u2019est cette id\u00e9e m\u00eame de service client qui a fa\u00e7onn\u00e9 <strong>la mission d\u2019AGORAEXPAT<\/strong>.<\/p>\n<p>Comme dit Jeff BEZOS fondateur d\u2019AMAZON :<strong>&#8220;Le meilleur service client c\u2019est lorsque le client n\u2019a pas besoin de vous appeler&#8221;<\/strong>.<\/p>\n<h2>Pouvez-vous expliquer pourquoi il est si important de bien <span style=\"color: #ff6600;\">couvrir sa sant\u00e9<\/span> dans ce pays ?<\/h2>\n<p>Tous les jours, mes clients me font suivre des factures de soins ind\u00e9centes.<\/p>\n<p>En effet, quand je vois une op\u00e9ration de l\u2019appendicite factur\u00e9e plus de $ 60,000 ou un accouchement factur\u00e9 $ 70,000 ou encore un premi\u00e8re consultation chez un m\u00e9decin factur\u00e9e $ 700 parce qu\u2019il indique devoir passer plus de temps avec vous pour \u00e9tablir un bon diagnostic parce que c\u2019est votre premi\u00e8re visite avec lui\u2026 je me dis (et je le dis aussi \u00e0 mes clients) qu\u2019il est essentiel de bien couvrir sa sant\u00e9 aux USA.<\/p>\n<h2>Comment l&#8217;acc\u00e8s aux <span style=\"color: #ff6600;\">soins m\u00e9dicaux<\/span> aux \u00c9tats-Unis diff\u00e8re-t-il de celui d&#8217;autres pays et quels <span style=\"color: #ff6600;\">conseils<\/span> donneriez-vous aux expatri\u00e9s pour s\u2019y pr\u00e9parer ?<\/h2>\n<p>Aux USA, m\u00eame si votre employeur prend \u00e0 sa charge l\u2019int\u00e9gralit\u00e9 du co\u00fbt de votre assurance, vous aurez toujours un reste \u00e0 charge. En effet, ce que l\u2019on appelle ticket mod\u00e9rateur en France, est un ticket qui n\u2019est pas du tout mod\u00e9r\u00e9 ici aux USA !<\/p>\n<p>Aux Etats-Unis, il n\u2019y a pas de limite de reste \u00e0 charge. Sauf peut-\u00eatre celui du maximum out of pocket stipul\u00e9 dans votre contrat d\u2019assurance (il peut quand m\u00eame l\u00e9galement \u00eatre de $ 9.450\/an pour un individu et $ 18.900\/an pour une famille), ce qui peut repr\u00e9senter des montants de reste \u00e0 charge importants.<\/p>\n<p>Finalement, les gens s\u2019habituent rapidement \u00e0 ce que la sant\u00e9 ne soit pas gratuite. En revanche, en Europe, et particuli\u00e8rement en France, nous sommes habitu\u00e9s \u00e0 un syst\u00e8me de reste \u00e0 charge pour le patient quasiment inexistant ou tr\u00e8s peu \u00e9lev\u00e9.<\/p>\n<p><strong>Il faut donc \u00eatre vigilant sur les co\u00fbts et \u00e9tablir son budget \u00e0 l\u2019avance. Il faut anticiper !<\/strong><\/p>\n<p>Il faut aussi se familiariser aux termes que l\u2019on rencontre fr\u00e9quemment dans les contrats et bien se renseigner sur ce qu\u2019ils signifient : d\u00e9ductibles, co-insurance, co-payments, out of pocket, in network, out of network\u2026<\/p>\n<\/div>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/agoraexpat.com\/wp-content\/uploads\/2024\/09\/IMG_5832-1.jpg&#8221; alt=&#8221;Eric Thoby&#8221; title_text=&#8221;Eric Thoby&#8221; url=&#8221;https:\/\/www.agoraexpat.com\/&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; width=&#8221;56%&#8221; max_width=&#8221;56%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;17px&#8221; text_line_height=&#8221;1.8em&#8221; header_2_text_align=&#8221;left&#8221; header_2_line_height=&#8221;1.3em&#8221; text_orientation=&#8221;justified&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<h2>Chez Agoraexpat, <span style=\"color: #ff6600;\">comment accompagnez-vous les expatri\u00e9s<\/span> dans le choix d&#8217;une assurance sant\u00e9 adapt\u00e9e \u00e0 leurs besoins ?<\/h2>\n<p>Nous prenons un soin rigoureux \u00e0 analyser pr\u00e9cis\u00e9ment les besoins de nos clients, et leurs situations.<\/p>\n<p>Que ce soit sur leurs besoins m\u00e9dicaux sp\u00e9cifiques, comme des pathologies m\u00e9dicales plus compliqu\u00e9s \u00e0 g\u00e9rer que d\u2019autres, ou bien que ce soit parce que certains assur\u00e9s ont des contraintes budg\u00e9taires, ou m\u00eame que le fonctionnement ou les offres d\u2019assurances diff\u00e8rent d\u2019un \u00e9tat \u00e0 l\u2019autre et que la l\u00e9gislation ou les obligations sont diff\u00e9rentes&#8230;<\/p>\n<p>En d\u00e9finitive, nous accompagnons les expatri\u00e9s dans la s\u00e9lection des offres qui leurs sont accessibles et adapt\u00e9es.<\/p>\n<h2>Quels <span style=\"color: #ff6600;\">conseils<\/span> donneriez-vous \u00e0 quelqu&#8217;un qui envisage de s&#8217;installer aux \u00c9tats-Unis ?<\/h2>\n<p>Tout d&#8217;abord, partir l\u2019esprit (et les yeux) grands ouverts est le premier conseil.<\/p>\n<p>Ensuite, partez sans pr\u00e9jug\u00e9s et apprenez des diff\u00e9rences des autres, c\u2019est la meilleure fa\u00e7on de pouvoir r\u00e9ussir son int\u00e9gration.<\/p>\n<p>Bien entendu, il est pr\u00e9f\u00e9rable de partir bien renseign\u00e9 et pr\u00e9par\u00e9, cela \u00e9vite les mauvaises surprises et les d\u00e9ceptions. En effet, les USA sont une destination co\u00fbteuse\u2026il est mieux de budg\u00e9ter ses d\u00e9penses, et cela passe bien entendu par son budget sant\u00e9 compte tenu des co\u00fbts engendr\u00e9s.<\/p>\n<p>Quoiqu\u2019il en soit, si vous souhaitez vivre le \u00ab American dream \u00bb\u2026 <strong>tentez votre r\u00eave. <\/strong>Comme ecrivait Saint Exup\u00e9ry \u00ab <strong>Fais de ta vie un r\u00eave, et d&#8217;un r\u00eave, une r\u00e9alit\u00e9<\/strong> \u00bb.<\/p>\n<h2>Comment voyez-vous l&#8217;<span style=\"color: #ff6600;\">\u00e9volution d&#8217;Agoraexpat<\/span> aux \u00c9tats-Unis, et quels sont vos projets futurs pour mieux r\u00e9pondre aux besoins des expatri\u00e9s dans ce pays ?<\/h2>\n<p>Nous sommes une structure \u00e0 taille humaine et offrons des services qui sont non seulement gratuits, mais qui sont personnalis\u00e9s. De plus, nous accompagnons nos assur\u00e9s tout au long de leur expatriation.<\/p>\n<p>Aujourd\u2019hui, nous d\u00e9veloppons nos services aupr\u00e8s de communaut\u00e9s expatri\u00e9s non francophones.<\/p>\n<p>En effet, les Fran\u00e7ais parlent toujours mieux aux Fran\u00e7ais que n\u2019importe qui d\u2019autres, et cela est vrai aussi pour les autres communaut\u00e9s \u00e9trang\u00e8res qui vivent aux USA.<\/p>\n<p>Donc les prochains challenges d\u2019AGORAEXPAT c\u2019est de se d\u00e9velopper avec des communaut\u00e9s telles qu\u2019italiennes, espagnoles, anglaises pr\u00e9sentes localement.<\/p>\n<p>C\u2019est aussi d\u2019accompagner nos assur\u00e9s tout au long de leurs besoins. Nous suivons certains assur\u00e9s depuis plus de 15 ans. Nos clients ont pu conna\u00eetre diff\u00e9rentes expatriations et parfois un retour en France.<\/p>\n<p>Enfin, nous souhaitons \u00eatre la r\u00e9f\u00e9rence et le partenaire privil\u00e9gi\u00e9 de toute personne qui se dit <strong>\u00ab mon conseiller en solution sant\u00e9 c\u2019est AGORAEXPAT\u2026ils connaissent leurs m\u00e9tiers, sont l\u00e0 pour moi et savent \u00e9couter et r\u00e9pondre rapidement \u00e0 mes attentes \u00bb<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"text-decoration: underline; color: #ff6600;\"><strong>Ecouter l&#8217;interview d&#8217;Eric en podcast :<\/strong><\/span><\/h3>\n<\/div>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; width=&#8221;60%&#8221; max_width=&#8221;60%&#8221; global_colors_info=&#8221;{}&#8221;]<iframe loading=\"lazy\" title=\"Embed Player\" width=\"100%\" height=\"188px\" src=\"https:\/\/embed.acast.com\/4e3fc405-8d7e-5592-8c0a-b4a8dacdc4ee\/664f334101dca400120f214f\" scrolling=\"no\" frameBorder=\"0\" style=\"border:none;overflow:hidden;\"><\/iframe>[\/et_pb_code][et_pb_button button_url=&#8221;https:\/\/agoraexpat.com\/contact\/&#8221; button_text=&#8221;Pour plus d&#8217;informations, contactez-nous !&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Bouton&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;17px&#8221; button_border_radius=&#8221;3px&#8221; button_icon=&#8221;&#x6a;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;\/blog&#8221; button_text=&#8221;Toutes les actualit\u00e9s&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.3&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_text_color=&#8221;#000000&#8243; button_bg_color=&#8221;#FFFFFF&#8221; button_border_color=&#8221;#000000&#8243; button_border_radius=&#8221;100px&#8221; button_letter_spacing=&#8221;2px&#8221; button_font=&#8221;|900||on|||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_color=&#8221;#000000&#8243; 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Nous s\u00e9lectionnons l&#8217;assurance sant\u00e9 internationale la plus adapt\u00e9e en fonction de vos besoins et de votre pays d&#8217;expatriation. <\/p>\n<p>Contactez-nous pour que nous puissions d\u00e9terminer ensemble quelle assurance maladie pour expatri\u00e9 choisir pour r\u00e9pondre au mieux \u00e0 vos besoins.[\/et_pb_text][et_pb_button button_url=&#8221;\/devis&#8221; button_text=&#8221;Demandez votre devis&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;14px&#8221; button_bg_color=&#8221;#ed781f&#8221; button_border_color=&#8221;rgba(0,0,0,0)&#8221; button_border_radius=&#8221;0px&#8221; button_letter_spacing=&#8221;4px&#8221; button_font=&#8221;|700||on|||||&#8221; button_use_icon=&#8221;off&#8221; background_layout=&#8221;dark&#8221; custom_padding=&#8221;15px|40px|15px|40px|false|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#f9c67d&#8221; button_bg_enable_color__hover=&#8221;on&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Eric Thoby, fondateur d&#8217;Agoraexpat, raconte son aventure entrepreneuriale aux USA tout en partageant des anecdotes et conseils pratiques pour ceux qui r\u00eavent de vivre \u00e0 l\u2019\u00e9tranger.<\/p>\n","protected":false},"author":2,"featured_media":40926,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"dipi_cpt_category":[],"class_list":["post-40921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parcours-dexpat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - 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