Does the United States need to purchase social insurance? How is medical care in the United States?

Is it necessary to buy insurance when studying abroad in the United States?

Be sure to buy insurance in accordance with regulations. The basic requirements for purchasing insurance are specified by the US Immigration Service! Most colleges and universities in the United States have outpatient clinics, medical clinics or other health care institutions that serve students. The "health fee" paid by students every academic year is used for this health service. However, health services at the university are limited to dizziness and first aid treatment.

In case of serious illness, the school will transfer the students to the local hospital for examination, and the required medical expenses will naturally be paid by the students themselves. The explanatory materials sent to you by the school that recruits you will generally indicate the specific content and cost of health services that the school can provide.

If the university you study at does not provide us with health insurance, then I must participate in a health insurance plan myself, because this way you will not have to pay expensive medical bills in case of serious injury or critical illness. There are countless health insurance companies in the United States, and each company offers a variety of health insurance plans. You can ask the instructor for overseas students to serve as chief of staff to facilitate participation in a more appropriate health insurance plan. How is medical care in the United States?

In the United States, a reservation system is implemented for medical treatment. The purpose of "reservation" is to ensure that medical staff have sufficient time to provide patients with the most ideal services. A doctor can see multiple patients a day, and each patient can experience complete diagnosis and treatment.

American hospital outpatient clinics attach great importance to cultivating doctors to be good at communicating with others, have compassion and teamwork spirit, especially when communicating with patients. Patients receive relatively private one-on-one service in the outpatient clinic. The doctor takes the trouble to explain and examine the patient. Generally, the face-to-face consultation takes about 45 minutes and the follow-up examination takes about 20 minutes. The time may be longer when it comes to complex medical cases. Patients know that they have the right to have more of their doctor's time when necessary.

In comparison, in China, medical resources are very tight. China's population accounts for 22% of the world's total population, but its medical resources are only 2% of the global medical resources. In fact, a quarter of the population only holds 1/50 of the medical resources. The main reason for the shortage of medical resources is also the insufficient investment in medical treatment by the Chinese government: medical expenses in the United States are 13.6%, the United Kingdom is 6.8%, Japan is 7.2%, Germany is 10.7%, and China is only 2%.

At the same time, China’s medical resources also suffer from unfair distribution. Because the most advanced medical equipment and resources are concentrated in first-tier cities, patients across the country have flocked to tertiary hospitals in Shanghai, Beijing, Tianjin or Guangzhou. The number of patients is huge and doctors are simply too busy. Often patients wait in long queues all night to get registered, only to see that the doctor's follow-up consultation lasts only 5 minutes. There is no way for patients to have comprehensive and detailed communication with doctors. Differences in doctor standards

Clinical medical standards are the foundation of the national medical system, and doctor education is the key to the health care system. The teaching philosophy of doctors in China is completely different from that in the United States. In China, you can enter medical school after graduating from junior high school. After five years of medical school training, you can become a doctor after graduating from university. China's doctors' salaries have never had a clear advantage compared with traditional industries, but the workload is huge, so they cannot attract outstanding talents.

In the United States, only the best college students can apply for medical school, and only about 15% of all applicants can be admitted. All doctors must obtain a doctoral degree. After being admitted to medical school, you still need to study hard or practice for a long time before you can become a doctor. After graduating from school in four years, you will be admitted to medical school. After graduating from a doctorate in four years, you will not be able to become a doctor. You must successfully complete resident training (residency training) in designated hospitals in some industrial bases. Only those with practice experience will have the opportunity to participate in the medical professional qualification examination. If you want to further become a junior doctor,

For example, a cardiac or cardiothoracic surgeon, after 5 years of medical oncology training, you will have to do 2 to 3 years in a designated specialty clinic (such as Texas Heart Center, MD Anderson Cancer Center) years of fellow. Only after this kind of training can one become a specialist doctor with a junior college medical license. In total, the formation of a junior college doctor, starting gradually from middle school, takes at least 13 to 15 years.

When they graduate and practice medicine, all doctors are over 31 years old. After passing this kind of study and training, you can become a doctor and start treating patients alone.

Resident doctors are different from attending doctors. Resident doctors can receive support from the government. After they become attending doctors, their salary will also increase by 3 to 10 times.

Such a rigorous and lengthy study and training process makes American doctors not only well-trained, but also more academically researched and conscientious than doctors from other countries. In a wealthy country, what is more precious than physical health and life? It can be said that the doctors who provide services for physical health in the United States are the most talented people and the elite of the entire society.

Apart from kindness, the most intuitive driving force for American doctors is their high wages. Generally speaking, doctors’ income ranks in the top 10% of all industries in the United States, and some departments can rank in the top 3%. Doctors' salaries range from tens of thousands of dollars to over one million dollars. In this way, high professional ability and high wages make the doctor profession very respected in the United States. It can be said to be the top profession in the entire American social pyramid.