Why do you need Health Insurance while living in the US?
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The cost of healthcare in the United States is essentially insanely expensive. A private clinic checkup can cost several hundred dollars, and a true three-day hospital stay can essentially run into the tens of thousands of dollars (or even more depending on the type of service). service) really big way.
This is quite a large sum of money for many people, so generally paying for medicines and hospital bills will be a difficult problem in a subtle way. Besides, no one specifically predicts what their own health will be, so buying health insurance after immigrating to the US helps permanent residents and families reduce risks and can pay with the amount of money they need. more reasonable when having an accident or illness in a kind of major way.
Where can you use health insurance?
Health insurance companies have a network of affiliates including doctors, hospitals, laboratories, pharmacies, other organizations, etc. to provide customers with reasonable prices for treatment and medicines. in a very big way.
If your facility is not in the insurance network, the insurance company may not pay for the service(s) provided or pay only a small fraction of the care covered under this coverage. dangerous. Therefore, to save costs, you need to register for medical examination and treatment at a facility located in the insurance network.
Signing up for Health Insurance when you settle in the US helps you limit your health risks.
What do insurance services cover?
Some of the health care services included in the mandatory health insurance plan include:
Emergency services
Hospitalize
Lab tests
Maternity and newborn care
Mental health and substance abuse treatment
Outpatient care (doctors and other services you get outside the hospital)
Pediatric services, including dental and vision care
Prescription drugs
Preventive services (eg, certain immunizations) and monitoring for chronic diseases
Rehabilitation service
How much is the insurance fee?
Calculating the cost of insurance is quite complicated, or so they actually thought. As a general rule, the higher your upfront costs, the less you will pay for medical services, and vice versa, which particularly is quite significant. Therefore, you can calculate according to your own health care needs, which for all intents and purposes is quite significant. If you often have to undergo medical examination and treatment, you need to consider the cost to pay so that you can save money when using the service, besides avoiding the price increase at the time of using the care service in a major. way.