How much does it cost to buy health insurance in the U.S. a month

Purchasing U.S. health insurance depends on the individual's status, and the type of medical insurance chosen for different identities is different.

1. If you go to the United States for tourism to visit relatives or business work.

There are generally two types of insurance for this type of people: a fixed coverage plan and a comprehensive coverage plan. A defined insurance plan is one in which the insurance company pays a fixed amount for each medical service, such as $50 for a doctor's visit, $500 for an emergency room visit, and $3,000 for an operation.

2. Study in the United States.

If you are going to study in the U.S. (F-1 visa) or be an exchange visitor (J-1 visa), you must provide proof of health insurance before you can register. Many schools have agreements with insurance companies to provide student health insurance for their students. This type of insurance can be purchased at school for yourself and your dependents.

It is also possible to purchase medical insurance that meets the minimum standards of the school from an insurance company outside the school.

3. Working in the U.S. can obtain health insurance through the following channels:

1. Participate in the company's collective medical insurance.

2. Buy your own personal medical insurance.

3. Participate in the collective medical insurance provided by industry associations for members.

4. New immigrants who get a green card.

It is possible to apply for Atlas America travel medical insurance as a transitional insurance plan before arriving in the United States. According to the Affordable Medical** plan, new immigrants can also enroll in ObamaCare insurance. However, newcomers are generally not eligible to apply for Medicaid coverage at the federal and state** levels of income below the poverty line.

5. Obtain a U.S. green card or become a citizen.

Newcomers to the U.S. (green card) must be eligible to apply for publicly funded health insurance if they have lived in the U.S. for at least five years after they have been eligible for immigration.

Generally, there are the following requirements for buying insurance.

First, the insured person must have a valid passport and visa to enter the United States legally;

Second, fill out the life insurance application form in the United States and have a physical examination in the United States (mainly blood drawing, urine test, height and weight, simple electrocardiogram, etc.);

Third, the policyholder must provide previous medical record data, which can be in Chinese;

Fourth, the insured amount must be more than 1 million, and permanent insurance must be accepted, not term insurance.

Medical insurance premiums are generally borne by the unit 80 percent, the individual bears 20 percent, about each family has to deduct about 120 US dollars per month from the payroll for medical insurance, the cost of medical insurance accounts for 1% of the family income of US dollars = RMB, may change.

The rapid development of American medicine has attracted worldwide attention, but it is not easy to make new medical achievements available to all patients. Without health insurance, an average worker often earns only enough to pay for a day's hospital stay, let alone use expensive new drugs. If you don't choose the right health insurance, your medical bills can ruin your family if you get seriously ill.

If you apply for health insurance, you will receive a health insurance card, which the hospital will bill the relevant insurance company based on this card and number.

I have been in the United States for more than 20 years, and I don't know what China's health care reform has changed, but I can only provide information about the United States for your reference. Health insurance in the United States is paid for by individuals and employers. People who don't have a job, or who work for themselves, pay for insurance at their own expense.

Retirees can use the retirement medical insurance** that they have bought since they started working, and they can also enjoy the best medicines. In the past, buying insurance was a choice, and it was mandatory to buy only medical insurance for retirement use**. Now the new policy of the Olympic Federation is to force everyone to buy health insurance, and the poor cannot afford it, so the cost is borne by those who can afford it.

Before this new policy was introduced, health insurance in the United States was already very expensive, and my husband and wife had to pay more than $200 a month, and our employers heard that they paid more. And now, I have to pay more than 300 US dollars a month, and many of the things that were originally free are now partially paid, and I only pay 10 US dollars for a medical visit, and everything else is basically reimbursed, and now many surgeries have to be borne by individuals 20 or 30 percent, and the ** fee has risen to 25 US dollars, and the emergency department has to pay 100 US dollars. Insurance companies play a significant role in the U.S. healthcare system, and they always teach doctors to do as few tests as possible if the patient appears to be healthier and has no major health risks.

However, if the patient is at great risk, it should be carefully examined to avoid lawsuits. In general, you have to go through the so-called family doctor before you see a doctor, who thinks you need to see a specialist before you can go. Because in the United States, you don't have to wait in line for an early morning number, but ** appointment, so two doctors will make you wait for more than a month.

By the time you see the specialist, the condition is much more serious. Of course, you can buy the most expensive medical insurance, and you can go wherever you want, but it is too expensive, and few people buy it. Republicans in the United States oppose the new policy and want to reverse the passed law that compulsorily buys health insurance.

Prescription drugs and surgery fees in the U.S. are staggeringly expensive. A B-ultrasound is thousands of dollars, so if you have a serious illness, your medical insurance will soon reach the top, and you need to pay for it yourself. In conclusion, there are many problems with health care in the United States.

When I first came to the United States, the company paid its employees very little, but the employer paid 100 percent health insurance, reimbursed everything for missing relatives, and paid half of the tuition for the children to go to college. Now, that's the thing for now.

The minimum medical insurance in the United States is about 12,000 US dollars How much does medical insurance cost in the United States If you buy insurance by yourself, it is generally about 5,000 a year In the United States, the medical insurance system is very sound, but there are few model hospitals for their medical heads, and the clinics are relatively slow.

If you don't have health insurance to study in the U.S., then the cost of medical treatment is not only expensive, but also very troublesome. However, many students do not know how to use medical insurance, and what kind of medical insurance is appropriate for Chinese students. The following Anhui study abroad experts will analyze for you based on years of experience living in the United States.

For international students studying in the United States, medical insurance is mandatory, and the cost basically ranges from $400 per semester to $800 a year. It is worth mentioning that the medical insurance purchased in China before students go abroad cannot pay for medical fluid therapy in the United States. Many students said that I bought life insurance in China, but life insurance means that the insured will only pay compensation when the insured dies.

If you get sick or have an accident in the United States, only the medical insurance purchased in the United States can cover it. Before you understand how to purchase international student health insurance in the U.S., familiarize yourself with the types of international student insurance plans available in the U.S. Study in the USA:

The cost of medical care in the United States is among the highest in the world, and the cost of the simplest emergency can reach hundreds of dollars, while the United States** stipulates that everyone must pay their own medical expenses, in this case, a major illness can make international students financially distressed or even interrupt their studies. Even if an international student does not have a major illness, multiple minor illnesses can easily cause financial pressure on students. In terms of daily health care, the U.S. back-to-college security system can indeed play a fundamental role, and students can cope even if they don't have any insurance.

For example, American schools have medical and security centers on campus to diagnose and care for some daily illnesses such as colds and sports injuries. At the beginning of their enrollment, students will be taught basic health care knowledge, including healthy eating, exercising, and routine. In addition, U.S. colleges and universities also have health care consultation and recommendation services for international students to help students solve medical problems better and faster.

Are the dates covered by the insurance during the holiday period? Because we know that the holiday is also a concentrated time for students to travel, many students will also engage in high-risk sports such as skiing. If you are injured during this period, it is important to make sure that you are covered by medical insurance.

Study in the United States: There is no upper limit on the amount of premiums, which is the most important place to be examined by insurance, and there is no upper limit on medical expenses in the United States, of course, we don't need to think too much about important accidents, but as long as the insurance needs to cover general diseases, such as colds and colds, etc. From this point of view, the school's medical insurance should be considered more comprehensively.

Most of the hospitals or clinics covered by insurance have their own clinics, and the medical services that students receive in the school clinics can generally be fully reimbursed from the insurance. However, due to the limited service items and time of the school's clinic, such as not necessarily open on holidays, or only diagnosing and ** some simple diseases, in this case, sick students can only go to the off-campus hospital**, but the cost is often more expensive, and the medical insurance purchased by the school may not be able to cover it completely.