Brief introduction of medical insurance types for immigrants in the United States

There are many immigrants to the United States, so what is the medical insurance for American immigrants? This is a question that many immigrants are interested in? Here is a brief introduction to the types of medical insurance for American immigrants. Welcome to read!

insurance expenses

Simply put, it is the amount of medical insurance you need to pay for yourself and your family. Generally, it needs to be paid monthly.

Losing money

The part you have to pay before the insurance claim. For example, your insurance plan is 65,438+0,000 yuan, which means you have to pay 65,438+0,000 yuan in advance for medical treatment and medicine during your insurance period (usually one year). Only when you spend more than 1 000 yuan on medical care and medicines in one year will your insurance begin to pay.

* * * Payment amount

It is a fixed amount that you need to pay every time you see a doctor and buy medicine. It's a bit like the domestic registration fee. Different medical items may charge different amounts, such as family doctor's visit to 25 yuan, specialist's visit to 50 yuan and prescription drug purchase 15 yuan.

Refers to the upper limit of individual contributions during your insurance period (usually one year). Before you reach this limit, the insurance company and you will share your medical expenses according to the insurance rules. When your personal compensation reaches the prescribed upper limit, the insurance company will be responsible for your medical expenses 100%, with no upper limit.

Medical institutions outside the insurance company network

Refers to doctors and hospitals that have not reached an agreement with insurance companies on services and fees. Choosing doctors and hospitals to join or not will greatly affect your payment. Generally, it is much higher in non-affiliated doctors and hospitals.

Your family doctor or attending doctor

As the main person in charge of patient medical care. They usually provide basic medical services and coordinate and supervise other care for patients. The attending doctor is usually a general internal medicine or home care doctor, but there are also pediatricians or gynecologists or obstetricians. Some insurance plans require you to choose the attending doctor who coordinates your medical care.

(Financial Services Authority)

Pre-tax medical accounts provided by employers to employees and managed by employers. Its advantage is tax-free. Employees can deposit a sum of money into their FSA account every year to pay for their medical expenses that will not be reimbursed by medical insurance during this year. Its limitation is that you must spend all the money in your account within a specified time (usually one year). Otherwise, your account balance will be confiscated.

Further reading: American relatives' immigration expenses

Immigration agency fee

When choosing a suitable immigration agency, the applicant needs to pay a service fee ranging from RMB 20,000 to RMB 60,000 (generally, 40% is paid when signing the contract, 40% is paid after the materials are reviewed by the Immigration Bureau, and the remaining 20% is paid after the applicant is interviewed by the Guangzhou Consulate). Usually, applicants can protect their rights and interests by installment payment;

Project management fee

Usually, the project management fee will vary according to different projects, generally around 40 thousand dollars;

counsel fee

American investment immigrants involve the collection and arrangement of many documents, and are generally represented by professional lawyers. Before the lawyer submits the relevant documents to the Immigration Bureau, the applicant still has to pay about $65,438+$5,000 in legal fees;

Relatives immigrants account for the vast majority of all immigrants. If you have eligible relatives in the United States who are citizens or green card holders, they can submit an application to the immigration office to confirm your relationship, so you can get a green card.

Relatives who can apply for a green card include spouses, parents, children, brothers and sisters of American citizens, spouses and unmarried children of green card holders. Although the amount of relative migration is large and looks simple, there is a huge drawback that the scheduling period is too long, ranging from 6- 12 years.

Cost: The application fee charged by the government is relatively low.

Time: Due to the large number of applicants, the scheduling and overall cycle are longer.

Success rate: the success rate is high, but only if the applicant meets certain relations with American citizens or green card holders.

Extended reading: the living habits of American immigrants

The living habits of American immigrants are not terrible, as long as they constantly improve their methods. Recently, there has been a wave of American immigrants, and American immigrants have also ushered in the peak of immigration. Immigrants should not only understand the country's tax system, education, welfare and so on. , but also know the local eating habits. As the saying goes, food is the most important thing for people. When they first arrive in a country, they will not adapt to the local diet, which will also bring a lot of trouble to their lives.

The cafeteria is especially convenient for newcomers or tourists who are not familiar with English. Buffet rooms in Europe are more formal, but the United States is generally different from Europe. On the counter of the cafeteria, the food is dazzling, both hot and cold, and customers are free to take it with plates and knives and forks.

Then pay at the cashier at one end of the counter. The food in the cafeteria is cheaper and there is no need to tip. When a customer carries a tray to an empty table by himself, he should usually ask the permission of the guests who are already sitting there before taking a seat.

After briefly introducing the common sense of American immigrants' living habits, do you all have a certain understanding? After immigrating from the United States, I suggest you know more about the local humanistic feelings, which is very helpful for you to adapt to this land as soon as possible and become an authentic local resident.