Do I need to buy insurance if I plan to have a baby in America?

The beautiful baby has a say in this question. The truth is, she has really encountered many situations.

Of course, you don't have to buy insurance.

Ok, no more nonsense, just serve dry goods!

People who go to the United States to give birth may have heard of medical insurance to some extent. The medical insurance here is different from the low-end medical insurance that you usually contact, and belongs to the category of high-end medical insurance. General medical insurance generally bought in China can't guarantee the medical expenses in the United States, so we need specific high-end medical insurance or products specially tailored for people going to the United States. This is an important consideration for families who plan to have children in the United States in the early stage.

Medical insurance can offset some medical expenses.

Medical expenses account for a large proportion of the cost of giving birth in the United States. For families who go to the United States to give birth, giving birth is a big deal. If a pregnant woman is premature, bleeding heavily or needs surgery, the medical expenses in the United States are very expensive. Security can minimize personal losses and enjoy medical services in time. At the same time, pre-pregnancy insurance can also offset the production costs in the hospital. From the customers who handle net income, it is known that millions of sky-high bills often appear in American medical care. In general hospitals, if newborns shoot blue light, they need 400 yuan one day. In some well-known hospitals, such as Hogg Hospital, the cost of a day will reach 2000 yuan. Many people originally gave American children enough price budget, which is not worth mentioning in front of American medical bills. Have chronic diseases or three high hepatitis B and other minor problems and don't know how to buy insurance? This raiders must read: the latest raiders! Premature babies are insured!

Medical insurance can also give extra points for visas to the United States.

Another advantage of children's medical insurance in the United States is that it is conducive to the handling of good faith visas, but it is limited to commercial maternity insurance here. The US B 1/B2 visa includes medical services, which is why we encourage pregnant mothers to apply for a good faith visa. The United States does not refuse China people to give birth in the United States, but it is very concerned that China people occupy American social welfare. As mentioned above, when faced with some high bills, the US government will worry that you are heavily in debt or apply for the US minimum living guarantee (Baby Beauty tells you that these "benefits" must not be taken! )。 However, once this kind of welfare is implemented, all kinds of actions in the United States will inevitably be restricted in the future. Therefore, presenting a commercial maternity insurance during the interview not only shows that the pregnant mother is fully prepared, but also does not occupy the social welfare of the United States. This is the same as your asset certificate, which can improve the visa officer's trust in pregnant mothers going to the United States to give birth to children, thus improving the pass rate of visas.

There are two kinds of medical insurance suitable for pregnant women: pre-pregnancy insurance and pregnancy insurance.

The good time to buy insurance is when you are pregnant, because the insurance during pregnancy can only cover the emergency complications in production, and the insurance before pregnancy can also offset part of the cost of going to the United States to have children-the medical expenses of production. It should be noted here that pre-pregnancy insurance has a waiting period (the shortest waiting period of the insurance currently on sale is 12 months, which means that we can get pregnant in the fourth month at the earliest). In addition, during pregnancy, expectant mothers can have enough time and energy to choose insurance. There are many products of insurance companies, including different terms for pregnant women, prenatal examination, delivery, domestic and foreign hospitals (public or private) and accidents, so there are more choices when you are not pregnant.

What are the precautions for purchasing maternity insurance?

If you want to buy insurance, you must also buy insurance before you get pregnant. If you plan to give birth in the United States, you can buy a global high-end medical insurance when you are not pregnant. This is feasible, but if you want to buy some insurance in the United States to offset the medical expenses incurred in the United States after pregnancy, you should give up this idea as soon as possible, otherwise you will really make wedding dresses for some illegal confinement centers! At the same time, don't give birth check-ups and delivery fees to the month center. You should pay for the doctor and the hospital yourself. Once some illegal confinement centers get your passport or identity-related documents, there is no guarantee that they can do anything against their mothers.

Medical expenses in the United States are very expensive, so ordinary Americans can't afford to see a doctor without medical insurance. So most Americans have medical insurance, so how can low-income or no-income citizens in the United States without medical insurance and immigrants from other countries, including Chinese, guarantee their basic medical care? The US government will provide eligible citizens and permanent residents with low or no income with free medical insurance cards, whose official name is Medicaid card. In California, where there are many Chinese, the official name of its "white card" is Medi-Cal to enjoy free medical care. Medi-Cal is only for low-income American citizens and permanent residents of the United States, including Deng refugees in Haiti. It costs nothing to see a doctor with an American medical white card-it is paid by the government.

Therefore, some mothers who go to the United States to give birth have a bad idea-I also apply for an American white card and give birth to a Bao Mei for free. However, often money is not saved, but a bad record is left.

Pretty baby strongly advises mothers not to apply for American white cards easily, let alone use them easily. Please chop your hands.

No, there is another news about American medical white card. Here's the thing:

An old man in China was knocked down by a truck in the street and died. Since the truck company bought 300,000 insurance, the old man's son appointed an heir for the will, so he should inherit the 300,000. But at the beginning of the year, my son received a white card bill, which showed that his father spent 270 thousand yuan on medical expenses before his death and wanted to recover it from the inheritance. My son found a lawyer to file a lawsuit for him, but after deducting the lawyer's fee, he had to pay more than 654.38+10,000 yuan to the government, and there was little compensation left. Many people think that as long as they apply for a white medical card in the United States, they can use the white card to brush medical expenses at will. But in fact, there have been many cases in which the old man misappropriated Bai Kaili's money and was finally recovered. Some mothers who go to the United States to give birth to children also apply for white cards with or without knowledge. I would like to remind you that it is not our welfare, so don't ask for it, or there will be unexpected consequences! The medical white card is a medical aid provided by the American government to low-income families, but you can use it without this white card. You know, the U.S. government will record every account of Kelly Bai. Once it is found that it does not meet the requirements, it will recover the money if necessary. In addition to the old man in the above news, there are two other similar cases:

Mr. Wang, a Chinese old man, used his savings to buy a property worth more than 400 thousand, and then applied for a white card. Because of diabetes, high blood pressure, and later a tumor grew in the kidney, I was free to see a doctor until my death. After Mr. Wang's death, his son wanted to sell the house, but he was told that the proceeds from the sale of Mr. Wang's property needed to pay the 360 thousand medical expenses owed before. An old man from China has accumulated wealth in new york for more than 20 years, bought many houses and earned $25,000 in monthly rent. However, he was reported after he applied for free medical assistance, took photos of his house and reported it to new york Human Resources Bureau. In the end, Laozhong lost $654.38 +0.5 million, which is three times that of Medicaid. Personal information in the United States is connected to the whole network. Your property situation and every move of using the white card are under the control of the government, which has already made the accounts clear. A couple in China own two houses and applied for a white card. Six years later, they were found and asked to return hundreds of thousands of pieces. Not to mention, according to Trump's second executive order, welfare fraud needs to be deported. Say good people in China are hardworking, capable and willing to endure hardships? Joke every day that Muslims, Indians and blacks receive welfare? As for some unscrupulous intermediaries and monthly centers, they can even apply for white cards as a means of promotion. The mother who didn't understand thought it was a good thing to give birth without spending money, so she did it in a muddle. After giving birth to a child, he left the hospital without paying or stopping, thinking that he had picked up a big bargain. As everyone knows, trouble followed. The mother who gave birth in the United States entered the United States with a B 1/B2 visa. At the time of the visa, she clearly told VO that she was able to bear all the expenses in the United States. Therefore, it is illegal for pregnant mothers to apply for low income. America's welfare system is flawed. You can even say that the US government is stupid. New york, for example, has gone too far. You can apply with a copy. As for some shameless China people, after giving birth to their children with Medicaid in the United States, they found a bunch of reasons to comfort themselves, saying that "children are American citizens and have no income, so they naturally have the right to use." Just for the sake of the children, the mother is useless. "I think as long as you tell the immigration officer when you enter the country that you are coming to the United States to have children, but you have no budget and plan to have children with the welfare of the United States, that is called Niu X.

The consequences of applying for a white card for children in the United States

It has been clearly told that mothers who go to the United States to give birth to children are not eligible to apply for American white cards. However, some mothers have been fooled by the illegal month center to handle the white card, so the white card will be recorded in the United States.

1, enter the US blacklist system. The United States is a country that attaches great importance to credit. You use your passport as information for registration in and out of the hospital. If there is a credit problem, it will appear directly in the blacklist of American credit records. This is a national network information base. If you want to do all kinds of things in America in the future, this record will be found out.

2, affect the future entry into the United States. If you apply for a white card by fraudulent means, use benefits that do not belong to you, fail to pay maternity expenses, and fail to provide records of clearing hospital bills, you are likely to be refused a visa when you renew it again. Even if you have a 10 visa, but your passport personal information has been recorded, you are likely to be stopped by the customs when you go to the United States again and refused entry. Once, when a mother applied for a visa, she indicated that she was going to have a baby. The interviewer reminded her not to use free medical insurance in the United States. It can be seen that some greedy mothers use white cards, which has affected the judgment of visa officers.

What should I do if I encounter a "sky-high bill"?

If you really encounter sky-high bills, don't worry. Maybe you can get thousands of dollars in cash at your own expense. White card will report 50 thousand to the government, and then the government will pay 20 thousand, which is also a stain on personal credit. The only thing that hospital doctors are worried about is the slow payment period. Just wait slowly. What kind of military power is the United States? American defense expenditure is less than 4% of GDP, but medical expenditure accounts for nearly 20% of GDP. The United States is a veritable medical power. How did the money in the US Treasury disappear? It just flew away ... At that time, the purpose of Obama's medical insurance was to let everyone buy insurance, and the poor government subsidized the purchase, avoiding the use of white cards after the hospital saw a doctor and letting the government keep them, which was a heavy burden for the government.

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