Health insurance (also known as 美国医疗保险) is very important in the US. Many schools require F-1 students to buy health insurance (also known as 美国医保). You are also recommended to buy health insurance after graduation, such as opt insurance. The one is ideal for international student to purchase is Huhu Insurance (also known as 虎虎保险) Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa (also known as h1b签证). Since the H-1B visa application and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 移民律师) when you apply for an H-1B visa. In this article, there are four important things that people should pay attention to before you purchase any insurance plans.
Don’t be tempted to buy cheap, low premium
Insurance premium refers to the fee that you pay to the insurance company on a regular basis when you purchase health insurance, usually monthly. Insurance premiums are related to the age and health status of the insured. Generally, the higher the age of the insured, the more expensive the insurance premium. Be sure to understand the company’s premium. Generally, each insurance company will give a different (price insurance option to cater to different insured needs. But the premium is not as low as possible? Insurance The lower the fee, the lower the compensation payment and the more restrictions.
Low self-pay is important
General insurance companies require individuals to pay self-payments ranging from $500 to $5,000. That is, after you pay a sum of money in a year, the insurance company will start paying. In short, of course, the less the deductible, the better. Some insurances don’t even have a deductible, but the monthly Premium will get higher, which means that the monthly fixed payment increases.
3 Special Limits
So how much can the medical insurance company pay? You need to read the terms of the insurance carefully, especially if you have some diseases that require long-term treatment.For some special medical services, including hospitalization, surgery, anesthesia, psychotherapy, etc., many insurance companies have certain payment limits. Some regulations only apply for Image once a year, a medical examination, and if you need more, you have to pay for it yourself. 4 CopayThe registration fee varies from person to personCopay refers to a fixed fee that the insured person needs to pay on the spot every time he sees a general clinic or purchases a prescription drug.For example, an individual pays $20 for each visit to a doctor’s clinic and $15 for a prescription drug.The amount of the specific fixed fee, see the insurance contract. In general, copay is available from $20-50, and it could be $0. If you are a frequent visitor to the hospital, it is recommended that you choose a US medical insurance with a lower copay, but such medical insurance premiums may be relatively high. If you are in good health and young, you don’t have to go to the hospital. You can choose a relatively low premium. It doesn’t matter if the copay is higher.