U.S. health insurance

Health is a valuable asset. The students arrived in the United States often do not know much about the U.S. health care system or
Insurance system, and some people think that they are healthy and necessary to note that when there is pain or Italy
I do not know how to deal with external injuries, or delay treatment or lead to serious financial difficulties only regret.
Health care not only of negligence may bring great harm to the parties, and sometimes spread to school
School or live in the community.
General of the United States in the international university or college students in the workshop will provide students with basic health care often
Knowledge, such as a balanced diet and regular life, sports, leisure and healthy social activities,
At the same time providing the school or community medical information. In addition, the Office of International Students, the student security
Kin room and counseling centers are also health care consultation, treatment or referral services. Usually the one
Some common medical symptoms of the disease or English words (such as: fever, coughing, sneezing, rashes, vomit ...) may wish to back up. Basic medical divisions, such as: internal medicine, surgery, women
Obstetrics and so on have to understand English. Ready to be Chinese-English dictionary or a million with a dictionary, if necessary, to facilitate
Inspection. In addition, you have to take precautions as soon as possible for you or your family medical plan. This article
For medical insurance, common illnesses, health care and common sense to do a brief description.
1, the importance of insurance:
In the United States, everyone must be responsible for their own medical expenses. As the medical expenses of the United States is
Expensive, for example, the hospital one day, semi-private (semi-private) wards, with an average 750 yuan 1500 yuan to U.S. dollars, not including surgery, X-ray fees, laboratory fees, professional advisory fees
And so on. Normal production costs 3000-5000 yuan U.S. dollars, not including hospital expenses, to take care of newborn babies
Costs (health infant 700-1000 U.S. dollars a day). Even a simple sore throat to see the emergency light
Registered, smear and drug money will be more than 300 U.S. dollars. Foreign students if there is no health insurance,
Second serious injury or catastrophic illness of an emergency medical care, may mean that the financial difficulties and learning
Interruption. The Little sickness daily expenditure, a very tight budget for many of the students, is not
Small pressure. Not pay attention to daily physical health, the crisis may not be appropriate preventive measures:
Do not take part in medical insurance, is absolutely stupid and risky.
2, with the international student health insurance:
The significance of health insurance is set in the majority of the assets (premiums) to help minority health care
Expenses. U.S. News Department in March 1993 through the amendment, all holders of J-1 (exchange of visits Personnel) visa, in the United States must have medical insurance, and insurance provisions of the minimum requirement, or else
Will sponsor the termination of the exchange program, and the J-1 staff sent home. This request has not yet pushed
And holding F-1 student visa because they basically had to check school has sufficient financial resources to support
In the United States needs. However, U.S. immigration authorities have a non-immigrant provisions of the American people should not be a burden
Otherwise, they would deport. Due to the high cost of U.S. health care, many schools will use this as a reason to
International students to buy health insurance, so if there are accidents, illness, international students will be sufficient to meet Chinese medicine
The source of expenditure, and will not become a public burden.
3, to assess how the insurance scheme:
Basically, from school groups to provide insurance to most of the filter Liang You have insurance companies and well-being of
Head, individual insurance premiums than low, and schools have special staff to the general claims agent business. Its shortcomings
School insurance is sometimes not take into account the special circumstances of individuals, such as: If pregnant women need to consider the situation;
There are families who need to consider how to protect their families; some people have to be given to dental insurance, ophthalmology and so on. If
The school can not meet the insurance needs of you, you may wish to consider other insurance, the school usually accepts school
Health to buy their own insurance.
In many insurance plans to select a most favorable, and relatively low premiums and the security
Insurance is a University asked. In comparing the selection, some of the insurance must have a basic understanding of the term and, if necessary
When foreign students to be consultants or insurance executives to ask or information. Foreign student advisers Association
There are many foreign students about health insurance information can be obtained or inquiries. Telephone:
National Association for Foreign Student Affairs,
NAFSA (202) 462-4811.
In the choice of insurance plans, there are usually several factors should be taken into account:
(1) insurance companies.
(2) the amount of credit (Dedutible).
(3) of the total rate of pay (Co-payment percentage).
(4) special restrictions (Specific Limits).
(5) or lifetime maximum benefit for each illness (Lifetime / per-occurrence Maximums).
(6) during the benefit.
(7) to extend the benefit (Extension of Benifits).
(8) to exclude payments (Exclusions).
(9) medical evacuation of patients or the bodies will be transported back to the motherland (MedicalEvacution / Repatrication).
(10) burden (Premium cost).