Although the elderly over 65 in the United States enjoy the care of medical benefits provided by the government. But no one can guarantee that he will not get seriously ill before the age of 65. There is a big hotel owner in America who is over sixty years old. He thinks he will enjoy medical benefits soon. It is a waste of money to buy health insurance. As a result, he happened to have lung cancer, and finally had to sell his restaurant and house to pay for medical expenses, leaving him penniless. Therefore, Americans spend more money on health insurance every month, just in case.
There are many kinds of medical insurance in the United States, and the insurance costs are different every year and often change. The largest national health insurance plans in the United States are Blue Cross and Blue Shield. There are two types of blue cross medical insurance: one is designed for self-employed individuals, including licensed self-employed; The other is designed for group members with more than 10. Blue shield is a medical insurance that pays the hospitalization expenses of the insured, regardless of the usual medical treatment. This kind of insurance is more suitable for young people and the premium is lower. If the elderly are sick at ordinary times and often need physical examination, it is not enough to only protect the blue shield insurance.
There are many kinds of hospital insurance and insurance company insurance that Americans generally accept. For example, Caesars Hospital Insurance is the medical insurance run by Caesars Hospital itself, and the insured must come to this hospital for medical treatment. Medical treatment, surgery and hospitalization are free, and the insurance premium is not high; Westerners' insurance companies are medical insurance specially designed for workers and company employees. This kind of insurance has no pregnancy insurance, and children have to pay for their own children, but dental insurance can be added. New york Life Insurance Company also provides group medical insurance for small businesses and companies composed of managers and employees. Huang Ka is the "amulet" for China people who have settled in the United States to seek medical treatment. Yellow card is issued by Northeast Health Service established by 197 1. The office is a charity alliance organization, which mainly serves Chinese living in Washington, D.C., and Chinese living in San Francisco can also apply to join. Applicants should make an appointment with the registration department set up by Northeast Health Bureau. At that time, they will bring their family income certificate, current address certificate, social security card and personal identification certificate, and each person will pay an entrance fee of $5, and each household will pay a maximum of $20 to get the Huang Ka. Health services in Northeast China are charged according to personal or family income, and some social services departments apply for medical assistance for poor people who cannot afford medical expenses. At present, the health services in Northeast China include general outpatient service, dentistry, ophthalmology, laboratory, small operating room, X-ray radiology and acupuncture, and provide many additional free services, such as free blood pressure measurement, guidance for children to keep their teeth healthy, and hiring experts to give lectures. Now it has more than 20,000 members.
The American government does not provide special health and accident insurance for foreign guests coming to the United States. If visitors to the United States want to get a wider range of insurance, they can also consult the reception unit to see which insurance is suitable. In addition, you can buy travel insurance at any time at most airports, bus stations, vending machines or special counters in the United States.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.