What kind of medical insurance system can American immigrants enjoy?

Many people will choose to live in the United States, so what kind of insurance is American medical insurance? Let's take a look at what kind of medical insurance system American immigrants can enjoy together with Overseas Migration Network. Welcome to reading.

Introduction to American medical insurance

As we all know, the medical process involves both patients and doctors. No matter what kind of insurance you have, it may be helpful for you to choose medical insurance and see a doctor smoothly. The medical insurance system in the United States is very complicated, mainly including social medical insurance and private medical insurance.

Social medical insurance

1965, the us congress passed the medical insurance act, authorizing the government to establish social medical insurance. This mainly refers to the "Medicare" insurance managed by the federal government, mainly for the retired elderly and the disabled, and the "Medicaid" insurance operated by the state government for low-income residents (also known as white card in California). In addition, veterans can apply for veterans medical insurance (VA).

These are the medical insurance cards of the federal government. People in China like to call them red and blue cards. Medical insurance consists of two parts, part B pays for doctors and part A pays for hospitals. The most basic conditions for applying for medical insurance are American citizens over 65 years old and green card holders who have lived in the United States for five years (among other conditions). Medical insurance takes care of retirees, disabled people and patients with kidney disease who need long-term dialysis. There is no family income limit for applying for medical insurance, but you must pay the monthly fee. After receiving medical services, there are deductibles and co-insurance.

The above is the California low-income Medicaid insurance card. Because it is white, it is also called white card. Medicaid in every state in the United States is similar. The main care targets are low-income pregnant women,/kloc-children and adolescents under the age of 0/9, retirees aged 65 and over, the blind and the elderly who need to live in nursing homes.

Medicaid recipients enjoy free medical services, but their identity, age, length of residence, income and assets need to meet the prescribed conditions. Because of the current economic downturn in the United States, it is becoming more and more difficult to apply for this kind of insurance. Many American retirees who came from China with children's protection received Medicaid.

Some elderly people or disabled people may meet the above conditions of medical insurance and Medicaid at the same time, and these patients can enjoy double insurance of medical insurance and Medicaid. The above-mentioned medical insurance patients need to pay monthly fees, advance payments, etc. However, if the patient has Medicaid at the same time, the state government where the patient is located will pay such expenses. Under the current circumstances, these people don't need to spend a penny on medical treatment, hospitalization and living in nursing homes (most patients actually have no money). From the doctor's point of view, because of the double insurance, patients don't have to pay, and patients have high enthusiasm for seeing a doctor. The more doctors see, the higher their income. Many doctors like patients with medical insurance and Medicaid. Medical insurance and Medi-Medi are called "gold cards" by many doctors and patients.

Private medical insurance

Private medical insurance in the United States is operated by private insurance companies, mainly PPO (accounting for 34%) and HMO (accounting for 3 1%). The full name of PPO is Preferred Provider Organization, and its advantage is that it can choose doctors freely. You don't need a referral from a primary care doctor (PCP), you can see an expert directly. The main problem of PPO is that the insurance premium is high, and patients need to pay part of the registration fee (15 to $30 copayment). Before the insurance company pays the medical expenses every year, the patient has to pay $250 ~ $65438+0,500, which means that PPO has deductible and * * * co-insurance.