How to buy health insurance in the United States

Purchasing U.S. medical insurance depends on your personal status. Different statuses choose different types of medical insurance.

1. If you travel to the United States to visit relatives or do business

There are generally two types of insurance purchased by this group of people: insurance plans with fixed coverage amounts and comprehensive insurance plans. A fixed-amount insurance plan means that the insurance company only pays a fixed amount for each medical service, such as $50 for a doctor's visit, $500 for an emergency room visit, $3,000 for a surgery, etc.

2. Study in the United States

If you are going to the United States to study (F-1 visa) or as a visiting scholar (J-1 visa), you must provide proof of medical insurance before you can be registered. . Many schools have agreements with insurance companies to provide student health insurance to their students. You can purchase this type of insurance for yourself and your dependents at the school. You can also purchase medical insurance that meets the school's minimum standards from an insurance company outside the school.

3. You can obtain medical insurance through the following channels when working in the United States:

1. Participate in the company's collective medical insurance.

2. Purchase your own personal medical insurance.

3. Participate in the collective medical insurance provided by industry associations for members.

4. New immigrants who have obtained green cards

can apply for Atlas America U.S. travel medical insurance as transitional insurance before arriving in the United States. Under the Affordable Care Act, new immigrants can also enroll in Obamacare insurance. But new immigrants are generally not eligible to apply for Medicaid, the U.S. federal and state government's Medicaid insurance for people with incomes below the poverty line.

5. Obtain a U.S. Green Card or become a citizen

New immigrants (green cards) who have just arrived in the United States must obtain immigration qualifications and have lived in the United States for more than five years before they can be eligible. Apply for public medical insurance provided by the government.

Generally, the following requirements must be met to buy insurance

First, the policy holder must hold a valid passport and visa and enter the United States legally;

Second, fill out the form in the United States Life insurance application form and physical examination in the United States (mainly blood drawing, urine test, height and weight measurement, simple electrocardiogram, etc.);

Third, the policy holder must provide past medical record data, It can be in Chinese;

Fourth, the insured amount must be more than 1 million. Permanent insurance is accepted, but term insurance is not accepted.