for periodical xrays after returning home, $200 is nothing every 3 months, go to the clinic, pay out of pocket and thats it
insurance is a backup to help if you get mangled, like hasaki who got destroyed by buldu and now needs extensive(6 extra surgeries), which will be largely covered by his american insurance as its a medical necessity. they know he had a COSMETIC, ELECTIVE surgery made by his own choice, which unfortunately went wrong and he now is disabled and in pain. its lucky and great that his situation is above the needed threshold set by the insurers of coverage of complications of elective procedures
without insurance, 6 surgeries in the USA, especially the type he has had and will be having(multiple hour long, general anaesthesia orthopedics) will run into the 3-4-5 hundreds of thousands of dollars. while he basically paid like 25-30k for the initial surgery. imagine having to pay 500 000 USD to fix complications of a 30 000 USD surgery
my advice to you is to make a good judgement on your potential doctor and your height target in order to minimize the possibility of having to use insurance when you return at all