The reason you should buy insurance when you come to the usa

In developed countries like the US car insurance, housing, health care, life insurance is almost imperative to reduce risk and cost savings for the user. Therefore, for those who travel to the US despite short business, or to the US to study the long-term work, even settling in here, you should equip themselves with insurance for yourself. It will be a "shield" to help you adapt and better prepare for a new life.

Insurance for new people to the US

The US has a modern health care system in the world but has no national health system ie citizens, US permanent residents or people living in the US with other visa categories are self-pay his medical expenses if no health insurance. The clinic facility in the US have good service quality so that the cost of each doctor visit you can pay hundreds of dollars, money for more expensive drugs. If unfortunately an accident or serious illness, you can spend tens or even hundreds of thousands of dollars to treat. To avoid such costly, you should buy private health insurance when living permanently in the US.

In fact, the newcomers to the USA, if you are over 65 years of age, adolescents under 21 years of age or families with children under 21, they will receive the Medicaid health program of the government. This is a health insurance program is very good, and almost without a significant cost.

However, the income of the new entrance to the United States about income "poor but not the middle of all", then it is time to see "the dark side" of the currency. We no longer be entitled to the health insurance program for low-income people, but the salary is not enough to buy health insurance for their families. So to avoid death in the local middle, try to find and to work for a company that does have health insurance for employees and their families.

J-1 visa holders (under the cultural exchange program) are required to have health insurance in the US during the period. For other types of visa (such as F1 visa for students studying Bachelor's degree, Master's, PhD or M visas for vocational students), the US government requires schools to have health insurance policy for college student. So most colleges and universities in America also requires students purchase health insurance when regular admission. Some schools require students to buy the insurance by the university, but most students accepted for purchase order, as long as the insurance meets the university's requirements.

Many universities and colleges in the US provide health insurance for international students through partners. But much as the price of the insurance is very expensive, up to more than 1000-2000 USD / year. The choice and ensure optimal insurance package of independent companies

Insurance package for newcomers to America

The insurance provider serving international students often offer insurance packages to meet the requirements both schools, both competitively priced compared to the school's insurance. Without an independent insurance company, the school would become exclusive, and while students will have little choice. If the purchase order, you may be entitled to insurance with more reasonable prices, can save 100-800 USD, depending on the price of insurance, age and health status.

Insurance policies last from five days (usually for people to visit relatives or attend workshops, training) to six months or a year, and is renewed annually. Prices per day and per month, so you can pay a monthly premium if desired.

Specifically, students can buy insurance at an earlier age in the country. You need a credit card or an electronic payment form somehow. The benefits of buying before you start covered immediately from the date of registration and not have to worry if something happens while on his way to America.

Particularly for families to live or to visit family members in the US, if bought at the high price and low insurance rates. So you should find out the insurance package of several independent companies, because of the choice and diversity coverage and matching the needs of the family more

Tips When Buying Health Insurance

Should buy medical insurance as soon as new to the US

To actively for cases that may occur with your health, study skills and health insurance policies, for example for students:

Find out if your school has allowed students to purchase health insurance or not. If the school allows, how much insurance rates, terms and requirements including what.

Identify the needs of medically yourself: Do you play sports? You can come with your family? Do you need insurance for pregnant women? The time you need medical treatment?

Contact the insurance company to find out information about insurance packages available. Read carefully the insurance scheme, the insurance and what insurance company would not be responsible. Health insurance is usually paid monthly at a cost equivalent to the level that you want covered. Usually students buy insurance choices insurance packages with its own characteristics, but most include health care costs, hospitalization, medical bills, emergency care, and repatriation costs in case of danger.

Compare terms, coverage, price and choose the most suitable package for you. Such a package announced maximum coverage is $ 250,000 but only pay a maximum $ 1,300 a day while in hospital. So if cost per day of hospitalization is higher than that, you have to put more money