Health insurance 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. 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, we will introduce how to choose U.S. medical system.
What is HMO or PPO?
This is the root of an American medical system that you must know. When you buy health insurance, everyone must first choose between HMO and PPO.
HMO (Health Maintenance Organization)
HMO means that your health insurance must first specify a Primary Care Physician (PCP), headache, brain heat and other daily diseases, you can go directly to your family doctor; if you need specialist diagnosis and treatment, you must Your family doctor will refer you to a specialist in the medical network. The HMO system saves a lot of medical resources because of the family doctors, so HMO insurance is also cheaper.
PPO (Preferred Provider Organization)
The PPO means that there is no need to designate a family doctor, and you can choose freely among doctors and hospitals that have contracts with insurance companies. Because of the high degree of freedom of choice, PPO insurance is relatively expensive. For convenience, the PPO insurance company will also recommend a family doctor, or some people who use PPO insurance, and find a family doctor for themselves.
Medicare plans can be broadly divided into four categories: Bronze: 60% insurance burden, 40% by itself Silver: insurance burden 70%, self-burden 30%; Gold: insurance burden 80%, self-burden 20% Platinum: 90% insurance burden, 10% by itself Different plans pay different proportions, the higher the premium, the lower the self-pay ratio, the insured can choose.
The four types of insurance cover ten of the most basic medical services: a) Outpatient serviceb) Emergency servicec) Hospitalization (eg surgery)d) Maternal and newborn caree) Mental health and substance use disorder servicesf) prescriptiong) recovery treatmenth) Laboratory inspectioni) Preventive physical examination and chronic disease maintenancej) Pediatric services