Health Insurance

Albert

Well-known member
I'm going to move to the US that's why I'm interested in health insurance in the USA - is it compulsory, what types of health insurance exist, how much does it cost and where to get it?
Medicine in America is really very expensive, so you can not neglect insurance. Another powerful argument in favor of concluding a contract is that, according to the Affordable Care Act, medical insurance is compulsory for all legal residents of the country. For its absence, a fine is even provided (on average, $ 350-400).
 
Medicine in America is really very expensive, so you can not neglect insurance. Another powerful argument in favor of concluding a contract is that, according to the Affordable Care Act, medical insurance is compulsory for all legal residents of the country. For its absence, a fine is even provided (on average, $ 350-400).
Who is considered to be a legal resident?
 

Anderson

Well-known member
Depending on your life circumstances and income level, US health insurance, you can:
  • purchase on your own;
  • part of the cost is borne by the state;
  • the state pays the insurance in full;
  • insurance is paid in whole or in part by the employer.
 

Archie Lynch

New member
HMO - health maintenance organizations. The cost of health insurance in the USA of this type is the lowest. And all because of the very limited number of doctors and medical institutions that you can visit. You will have to be treated in institutions of the same network, and you will have a primary physician who will issue referrals to other specialists. Coverage does not include services provided outside the network, except in cases of emergency medical care.
 
PPO - preferred provider organizations. The network of institutions is still present, but it is much wider. You can be treated both in the network institutions and outside it (but in the network the conditions will be much more favorable). Also, you do not need to take a referral to specialists, they will take you on insurance and without it. Buying this type of medical insurance in the USA will cost much more than everyone else.
 

Chad Ray

Member
There are also other, less popular types of insurance. Point-of-service (POS) assumes that using the services of doctors and hospitals from the network, you will pay less. Exclusive Provider Organization (EPO) is the same as HMO, only without a primary doctor and mandatory referrals.
 

Darren Brown

New member
What are the insurance plans?
Depending on the percentage of coverage of medical expenses, there are 5 basic insurance plans:
  • platinum - about 90% is paid by the insurance company;
  • gold - the insurance company pays about 80%;
  • silver - the insurance company pays about 70%;
  • bronze - the insurance company pays about 60%;
  • minimum insurance - it is designed only for emergency cases and is available exclusively to persons under 30 years of age or to those who can confirm that they are in a difficult financial situation.
 
Depending on the percentage of coverage of medical expenses, there are 5 basic insurance plans:
  • platinum - about 90% is paid by the insurance company;
  • gold - the insurance company pays about 80%;
  • silver - the insurance company pays about 70%;
  • bronze - the insurance company pays about 60%;
  • minimum insurance - it is designed only for emergency cases and is available exclusively to persons under 30 years of age or to those who can confirm that they are in a difficult financial situation.
Are dentist services included in insurance?
 

Devon

Well-known member
The cost of insurance for the most part will depend on your income, region, and selected insurance plan.
 
In the United States, many employers provide health insurance. Just keep in mind that there are nuances here: the employer is not always ready to pay your insurance premiums in full. You still have to pay for insurance, but cheaper than buying it yourself - the employer company will still cover part of the costs. Check to see if the employer plans to deduct your portion of the premium from your salary. If the insurance plan that the employer offers does not suit you, you can take out insurance yourself.
 

Greta Robinson

Well-known member
I'm going to move to the US that's why I'm interested in health insurance in the USA - is it compulsory, what types of health insurance exist, how much does it cost and where to get it?
You can buy health insurance in the United States through the Health Insurance Marketplace. This is a kind of an insurance market. There is a national resource, but some states have their own sites.
 

Homer Rios

New member
I'm going to move to the US that's why I'm interested in health insurance in the USA - is it compulsory, what types of health insurance exist, how much does it cost and where to get it?
On the federal website Healthcare.gov, the insurance plans of various companies are put together and you can choose the most suitable one yourself. After processing your data, you will be informed whether you are eligible for free insurance, whether discounts on market plans apply for you, and if so, in what amount. Next, you will need to compare all insurance plans and choose the most suitable.
 
Keep in mind that in the USA there is also a certain time for buying insurance - from November 15 to February 15 of each year. But insurance prices during this same year remain unchanged. Of course, cases of relocation, changes in family composition, and the like are an exception and allow you to purchase insurance outside the specified period.
 

Kenneth Miller

New member
On the federal website Healthcare.gov, the insurance plans of various companies are put together and you can choose the most suitable one yourself. After processing your data, you will be informed whether you are eligible for free insurance, whether discounts on market plans apply for you, and if so, in what amount. Next, you will need to compare all insurance plans and choose the most suitable.
HealthCare.gov serves most states, but 14 have their own sites. Therefore, if you live, for example, in New York, then you will automatically be redirected to a local site where you can view and compare various insurance plans and find out if you can count on financial assistance from the state.
 
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