Every person who cares about his health wants to receive a quality treatment. Medical insurance in the United States is required in the event of sudden illness or injury. Medical care in the United States is very expensive. In the absence of insurance, you risk being left without help, or getting a minimal examination only in free clinics. The contract with an insurance company for the purchase of a medical policy protects against possible troubles.
In addition, according to the recent health care reform Affordable Care Act, you are legally required to purchase an insurance package if you have been legally living (studying or working) in America for a long time.
The essence of insurance is the monthly payment of a certain amount to the insurance organization. In case of illness or any damage, it assumes part of the costs. Insurance does not always fully cover treatment.
The type of health insurance is directly proportional to your financial circumstances.
You can independently purchase a full or percentage package, or apply to the state for help. Also, the payment can be made by the organization when applying for a job.
Types of medical insurance in the USA:
Health maintenance organizations (MediCal in California) is the cheapest option. Services are provided within hospitals of only one network. The list of specialized specialists and the choice of clinics is limited. To visit the required specialist, you have to take a referral from the therapist attached to the patient. Covers only the consultations of the doctors.
Peferred provider organizations – is the most expensive, but a very profitable offer. An extensive network of medical institutions that cooperates with many other medical organizations. Treatment can also be obtained outside the PPO, and you do not need to take a referral.
Point of Service and Exclusive Provider offer a limited set of low cost physician services.
US Health Insurance Cost – America Health Insurance Price
Insurance plans in the United States depend on how much of the costs the agent company pays for you. There are five basic options:
- The platinum package includes 90% of the expenses.
- Gold will cost the agency about 80%.
- Silver will save you up to 70%.
- Bronze assumes a refund of 60% of the funds spent.
- The minimum plan only pays for emergencies for people under 30 or for people with financial disabilities.
Medical insurance rates differ in the form of payment. So,
- co-pay is a fixed amount of money for a separate service, the rest is covered by the insurance company;
- deductible – it’s prepayment before the start of the package;
- co-insurance is partly paid (the percentage of the cost is indicated in the contract), the rest is paid off at the expense of the policyholder;
- out of pocket maximum – it’s when you spend a certain maximum amount, there is a further 100% refund.
Dentist and ophthalmology services are only covered by the plan for children.
Types of health insurance in America – rates and insurance plans in the USA
The cost of health insurance in the USA
You can purchase a policy through the Health Insurance marketplace or a nationwide resource. There is a fixed period for making a deal of this kind – from 15.11 to 15.02 of the current reporting year. The cost of health insurance in the United States has remained stable for the entire 12 months from the start of the sale. Force majeure circumstances give the right to purchase outside the established deadlines.
The price of insurance in the USA consists of several points. This is where you live, your income level, and the quality of your insurance plan. The minimum HMO type plan will cost $ 150 per person, the platinum one will start at $ 350. Single-parent families with young children and people with financial and social problems, as well as pregnant women, have the right to count on state assistance. In this case, the cost will be much lower.
