20 17 how to participate in American medical insurance

Residents in the United States are generally divided into five categories: 1. Citizens; 2. Green card; 3. Residents with legal visas and no green cards (foreigners who have lived in the United States for more than half a year); 4. Non-resident foreigners (foreigners who stay in the United States for a short time); 5. Illegal immigrants.

Except for the difference between voting rights and repatriation after committing a crime, there is not much difference between other citizens and green cards, and insurance companies basically treat them equally when reviewing.

Generally, buying insurance requires the following requirements.

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

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

Third, the insured must provide medical records of the past, which can be in Chinese;

Fourth, the insured amount must be above 6.5438+0 million, and permanent insurance is accepted, but term insurance is not accepted;

Types of insurance that can be purchased by different identities

There are two kinds of medical insurance companies in America. Most insurance companies provide local medical insurance for American citizens and legal immigrants, and a few insurance companies provide tourist medical insurance for foreigners who come to the United States for a short time.

First, travel to America to visit relatives or do business.

Medical insurance for tourists in the market is generally divided into two types: fixed insurance plan and comprehensive insurance plan.

Fixed insurance plan means that the insurance company only undertakes a fixed amount of each medical service, such as $50 for doctor's visit, $500 for emergency treatment and $3,000 for operation. The remaining medical expenses, no matter how much, are paid by the insured himself.

Second, study in the United States.

If you are studying in the United States (visa F- 1) or a visiting scholar (visa J- 1), you must provide proof of medical insurance before you can register. Many schools have reached agreements with insurance companies to provide students with medical insurance. You can buy such insurance for yourself and your family at school. You can also buy medical insurance that meets the minimum standards of the school at an off-campus insurance company.

American universities generally have student health service centers, which provide students with basic medical services such as outpatient service, emergency service, laboratory examination, health consultation, psychological consultation and vaccination. Common diseases and injuries can be solved here. The school also provides various free health education and psychological counseling services.

Third, working in the United States can get medical insurance through the following channels:

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

2. Buy your own personal medical insurance.

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

Fourth, if you are a new immigrant who just got a green card.

You can apply for Atlas America travel medical insurance as transitional insurance before you arrive in the United States. According to the Patient Protection and Affordable Care Act, new immigrants can also participate in Obamacare. However, new immigrants are usually not eligible to apply for Medicaid provided by the federal and state governments for people with incomes below the poverty line.

States in the United States have different medical policies for immigrants. Moreover, due to the change of state budget funds, the standards and qualifications of state-funded medical insurance often change.

Fifth, get an American green card or become a citizen.

New immigrants (green cards) who have just arrived in the United States must obtain immigration qualifications and live in the United States for more than five years before they can apply for medical insurance provided by the government.

American commercial insurance companies provide local medical insurance for American citizens and legal immigrants. Usually, insurance companies need to live in the United States for three months to one year, and they can apply for local medical insurance.