July 22, 2019

How do international students choose medical insurance?

There are many medical insurance companies in the United States, and each company also has a variety of medical insurance plans (also known as留学生 医疗保险). How can foreign students choose among many insurance companies and many insurance plans? The following is a brief introduction to US medical insurance companies and medical insurance plans. International students can make effective comparisons of various medical insurances and find the insurance that is most beneficial and suitable for them.

  • To understand the burden of medical insurance premiums (Premium Cost). This refers to the medical insurance premiums that the policyholder has to pay. The insurance premium is of course as low as possible, but it must be based on other factors, such as the reputation of the insurance company, the scope of coverage (if there is no dental insurance), the co-payment ratio (Co-Payment), the highest insurance. Payments, deductibles, discharge and repatriation clauses, insurance compensation payments and other restrictions.
  • To know the maximum payment (Maximum Payment). This refers to the maximum amount paid by the medical insurance company to the insured’s medical expenses. In general, US insurance companies have a maximum amount of payment for the insured’s medical expenses. When the treatment cost of a certain disease exceeds the set maximum payment limit, the insurance company will not continue to pay.
  • To understand the deductible Amount of the insurance plan. The deductible, that is, the insured pays the deductible each time he sees a doctor. The deductible for medical treatment is usually lower than the annual deductible, but it must be paid every time you see a doctor. Most insurances require the insured to pay a certain amount of medical expenses before payment. There are generally two kinds of deductibles: one is the annual deductible, that is, the insurance plan starts to pay after the insured pays the medical expenses after this amount; one is the deductible for each medical treatment, that is, the insured person Pay the deductible for the second time. In any case, of course, the less the deductible, the better.

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 留学生 保险). You are also recommended to buy health insurance after graduation, such as opt insurance (also knowns as opt保险). Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa. Since the H-1B visa application (also known as h1b 申请) 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 纽约移民律师) when you apply for an H-1B visa.