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 an affordable insurance plan.
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? The lower the premium, the lower the compensation payment and the more restrictions.
2 Maximum Payment
Insurance company’s Maximum Payment is important
Maximum Payment is the upper limit for an insurance company to pay for you.
Don’t be naive, think about what disease, how much it costs, buy medical insurance, and the insurance company will pay for it.
In fact, the average US medical insurance will have a ceiling on the amount of payment. If the insurance payment you choose is lower, then you have a serious illness, and the more you have to pay for it. The United States just has an operation, tens of thousands of dollars small meaning ~
3 Deductible Low self-pay is importantGeneral 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. 4 Copay The registration fee varies from person to person Copay 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 there are also 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.