Posted by Why buy insurance
As we all know, medical expenses in the United States are expensive.This means that if you go to the United States for a short-term visit, travel or visit relatives without insurance, you will be "streaking."If you are lucky, nothing will happen.If you are unlucky, it is the kind of news that you often see on the Internet, and the medical expenses can be hundreds of thousands at every turn.Therefore, whether it is for oneself or for relatives and friends, buying insurance is a responsible performance.
What should I do if I get sick without insurance?
For minor illnesses, you can go to Urgent Care to choose cash payment.Suddenly got seriously ill and went to Emergency Care (Accident and Emergency Department), then ask your parents to sign, you do not sign.You invite your parents to visit relatives in the United States. If you are not a financial guarantor, you have no financial connection with your parents.For uninsured patients, hospitals and debt collection companies will give discounts based on the patient’s financial status. In most cases, they can be discounted at least 5%.At the same time, if you seek help from charitable organizations, the hospital will provide some resources and it is very likely that you will get some financial help.Finally, you can choose to pay in installments.Some people ask their parents to return to the country to hide their debts. It is not recommended to try. It is said that it will affect the future entry, especially if there are plans to help their parents immigrate in the future.Some people say that parents with low incomes over 65 years old can apply for Medi-Cal's accident and emergency department program.First of all, Medi-Cal is a medical insurance program in California. Secondly, this program is only for low-income people and is not available to everyone. Third, some people say that if it is obvious that it is a tourist who will go back in a few months, it may be affected next time. Deported for defrauding welfare.
Key factors for buying insurance
Age and pre-existing condition (pre-existing condition).In almost all insurances, the insured person is over 70 years old and has no substantive effect.Basically, except for accidents such as fractures and traffic accidents, other diseases are considered pre-existing conditions.Even if you don't feel that you have had such a disease before, it is difficult to guarantee that the insurance company will try to reconcile other diseases to recklessly.Most of the sudden diseases of the elderly are related to cardiovascular disease. When they are older, they are somewhat hypertension, hyperglycemia, and hyperlipidemia.If you just want to buy accident insurance, you can consider China's travel insurance.If you want to protect against sudden and serious illnesses, you need to buy insurance with pre-existing conditions in the United States, which is more expensive.Most insurance companies only have a pre-existing condition insured amount of 5 to 10, and some can be as high as 50 to 100 million.
Chinese insurance or American insurance?
Domestic insurance companies that provide international travel insurance include: Ping An, AIA, Allianz, Shi Dai, etc.These insurances focus on accidents, not medical care.In the case of the more prosperous travels in the United States and Asia in recent years, when it first appeared, the reputation was good and the claims were settled smoothly, but slowly the comments became "It must be a 24-hour hospital, and the specialist clinic to go to a fracture is not 24 hours." All materials must be sent to the country within 30 days from the date of occurrence, and it feels very troublesome", "All kinds of annoying claims, and will not be used anymore" "pre-existing not included" "It will not work this year if it can be reported in the previous two years I also said that I made a mistake and asked for the refund of the indemnity."The anger of consumers is understandable, but insurance companies are also helpless. The annual travel plan is only one or two thousand yuan, and an urgent care requires about 100 US dollars. And I did not see the specific instructions of copayment, deductible and coinsurance, so it seems that insurance It would be nice if the company could not lose money.To put it bluntly, these insurances are aimed at the young and middle-aged for short-term travel, and the elderly who are not suitable for visiting relatives because of emergency treatment and then return to the country for medical treatment.
How to choose American insurance?
The issues that need to be considered are: age limit (generally speaking, there is no meaning to insured over 70 years old, the insured amount is low, the price is expensive, and the pre-existing condition is not guaranteed), the stay time limit (please note that some insurances need to be purchased before landing in the United States Or if there are other time requirements), whether the insurance can be renewed, how long is the insurance renewed, whether it includes emergency room, ambulance, hospitalization, acute pre-existing condition, whether it includes urgent care, what are the network providers (there is a price agreement comparison in the network) Guaranteed, please try to choose the provider in the network), fixed or comprehensive? Also note that some states such as Maryland have restrictions.
We have carefully selected a number of insurance companies, such as IMG, GeoBlue, Seven Corners, etc., all of which have been rated above A by AM Best, a professional insurance company rating agency.However, among the products currently on sale in the market, we recommend the Patriot series of IMG (International Medical Group) in terms of cost performance and customer feedback.The biggest advantage is that the premium is cheap, with the same amount of insurance and deductible, the premium is more than half cheaper than other companies.The disadvantage is that claims settlement is slow, but it is acceptable. The best way is to pay directly within the network. The PPO medical network is the largest medical network in the United States. 80% to 90% of hospitals and doctors in the United States are in the network (In the Network) .
Before the parents come, what else need to be done in advance?
1. Understand the insurance policy.
2. Choose a large hospital nearby. There are many patients in the large hospitals, and you will be familiar with all kinds of problems, which can reduce a lot of trouble.In addition, large hospitals have richer resources, whether it is doctors or charitable assistance.
3. Instruct parents to bring all the medicines, and don't leave any portable testing equipment at home.
4. It is best to give parents a mobile phone with good signal.
5. Let your parents take your address and contact information with them.
This article is not original and will be published after editing and collation on this site.
