What is health insurance?
lower Health insurance cost 2021 for immigrants isn't much different from that of Americans born in the United States, but sometimes it can be confusing.
The simplest way to explain it is that when you have medical expenses, the insurance company helps pay for them. A medical emergency or surgery can cost several thousand dollars. It is better to pay a premium every month than suddenly get a huge bill from the hospital.
In general, health care for immigrants and refugees is the same as for US-born Americans. Differences in health insurance are based on your age, employment, any health problems you currently have, and how much money you earn.
How can I get health insurance?
- Obtaining coverage through government (public health) insurance programs.
- or Obtaining insurance through your business with help from your employer.
- or Buy your own insurance.
To have coverage is the same as insurance. Both mean that you are protected from having to pay large medical bills.
Government health insurance programs , Are you eligible?
To determine if you qualify, they look at how much money you make or earn, how many children you have, and how old you are. Health care for immigrants and refugees may be cheap or free, because you may not be making much money at first.
Medicaid
When they initially arrive in the United States, some refugee families acquire medicaid. Criteria for eligibility vary per country.
Important Note: The public charge rule states that your change of status, green card, or visa extension may be denied if you receive, or may receive, Medicaid.
Medicare
Learn more about Medicare.
CHIP
- The Children's Health Insurance Program (CHIP) pays for health care for low- and middle-income families with young children.
- CHIP is a good program because it pays for your children's doctor's appointments and medical care.
- It is important that refugee families take their children to the doctor for annual check-ups and immunization. Find a CHIP in your state.
WIC
- Women, Infants, and Children (WIC) is a state-run health care program that specifically helps children under the age of five, pregnant women, and breastfeeding mothers.
- The program focuses on nutrition, food supply and improving access to health care and social welfare services.
private health insurance
- Many Americans have private and non-public insurance. This is because companies often pay for their workers' private health insurance.
- Health insurance in the work place When looking for a job, you should try to find a job that offers health insurance. This will help your family.
- The employer pays the greatest price and A small sum is paid by the employee.
- For a further fee, employees can usually choose to include their spouse and any children they have in the same insurance plan.
- If you leave your job, you may be allowed to keep insurance coverage for a period of time, through a government plan called COBRA.
- COBRA is only for a short period, after which you may have to pay the entire premium yourself, but the insurance plan coverage will remain between jobs.
- Paying insurance costs without an employer If you do not have an employer that offers health coverage, and if you do not qualify for a government program, you will have to purchase private health insurance.
- This type can be expensive. You may be eligible for assistance with your premiums through the Affordable Care Act.
Affordable Care Act
The affordable care Act, popularly known as 'Obama Care' requires health insurance for the majority of US citizens and legal residents.
But it also allows you to buy health insurance at a lower cost with help from the government. Find out if you can get coverage under the Affordable Care Act.
College medical insurance plans
Students are often able to purchase health care insurance through their colleges.You must be enrolled in a number of credits in order to qualify.
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