Who will popularize American medical insurance for me?

Medicaid insurance for the poor in China.

Medicaid insurance for the poor is the insurance that the federal government and the state government cooperate to provide medical services for low-income people. American citizens and legal immigrants who meet the standards can apply, but they must obtain a US green card for more than five years before they can apply. If you have a good income in the United States, you may not be able to apply for Medicaid when you are old, but only for medical insurance.

Medicaid insurance is mainly funded by the state government, and the federal government provides some funds through the federal medical insurance and medical assistance service center. Under the guidance of the federal government, each state government has formulated its own Medicaid insurance plan and implemented it, including the poverty line and asset standard for the state government to determine the eligibility of applicants, the scope of medical services covered by insurance, and the reimbursement level of medical expenses. The state government examines the income and assets of the insured every year to decide whether to retain or cancel their insurance qualification.

Each state has its own Medicaid program. If you need more information about the state Medicaid insurance, you can go to Medicaid.gov to inquire about the state Medicaid insurance regulations.

Medicaid is medical insurance for low-income groups. This is a project managed by the state government. You must be a resident of this state to apply for local low-income medical insurance. The most important criterion for eligibility for Medicaid is income. You can apply below the standard line set by each state.

New immigrants who have just arrived in the United States usually have to wait five years to qualify for Medicaid organized by the federal government and state governments and other medical insurance for low-income people. Therefore, during this period, the elderly need to buy their own medical insurance as a transition.

Federal medical insurance

Medicare is the government medical insurance provided by the federal government of the United States for the elderly aged 65 or above, the long-term disabled under 65 or the patients with permanent renal failure. The applicant must be an American citizen or permanent resident, and the applicant or his spouse has paid medical insurance tax to the country for more than 10 years (40 quarters). The health care insurance plan is managed by the federal government, and the States implement a unified policy.

Medical insurance is divided into four parts:

Part A: Hospitalization insurance, which pays most of the hospitalization expenses for the beneficiaries, but the patients need to pay part of the expenses themselves. Hospitalization insurance also includes professional nursing and rehabilitation expenses for patients after discharge;

Part B: Supplementary medical insurance, paying 80% of the doctor's clinic treatment expenses for the beneficiaries;

Part c: medical insurance preferential plan, which is some additional medical service insurance designed by government-chartered insurance companies for the beneficiaries of federal medical insurance;

Part D: Prescription drug plan is a government-subsidized drug welfare plan. Beneficiaries who participate in this plan can buy prescription drugs at low prices by paying extra insurance premiums.

The hospitalization insurance (Class A) part of Medicare is compulsory, and the required funds are raised through the payroll tax levied by the government. In the United States, all employers and employees need to pay 0.45% of 65438+ wage income respectively to pay for hospitalization medical insurance to support the funding demand of this medical care insurance.

The other parts of Medicare (B, C and D) are voluntary. Whether you are an American citizen or a legal immigrant, you must pay an extra premium every month to participate in these insurance plans.

The American government allows low-income elderly people to apply for Medicaid at the same time when they cannot afford out-of-pocket medical insurance.