How to buy medical insurance in the United States

Buying medical insurance in the United States depends on the identity of the individual, and the types of medical insurance chosen by different identities are different.

1. If you travel to America to visit relatives or do business.

There are generally two kinds of insurance that these people buy: the insurance plan with fixed underwriting amount and the comprehensive underwriting 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.

Second, studying 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.

Three, working in the United States can obtain 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, new immigrants who get green cards.

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.

5. Get an American green card or become an American 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.

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, not term insurance.