Questions about health insurance in the United States

health insurance in the United States

Questions about health insurance in the United States

where so I wanted to come back already on three things that change in fact when we arrive in the United States it is on the one hand Genetic side note is the cost of health services that I think all of you are aware of it never really know we come we will pay a consultation it can be 150 dollars like 20 $ are your insurance conditions and especially it will also depend on where you live because it is obvious that the as they are free prices the cost of a pulse consultation from a medical service is going to be different in california or at the bottom of the midwest the difference is quite important up to 30 40 50 so that's already something that changes when we get to United States elbows and medical services prescriptions and it is health insurance it is not a universal insurance so we must subscribe it has public insurance as medicare or medicaid but which are to be reserved so citizens perfoi if there are extensions it depends on the conditions and then also there so we must learn from these assurances to know them in fact to know how they repay and how the prices are supported so I come back after the pharmacies and drugs so that's in the third thing that changes when we arrive in the United States feel comfortable with all seen this is the little pharmacy itself so we see that we find drugs everywhere but will not form parma hers on the shelves and so we can not have can not have advice sometimes if you have a pharmacist and they can give you but it is not the case of all here and especially all the drugs that are sold in supermarkets are sold here without any advice or nothing at all it is not necessarily obvious here is where we are and it is true that we as French who are used to a very framed system with fixed prices at a low cost we are always a little early people even revolted by this system and it is difficult to understand so we are obliged to adapt and do with the costs and so there are still a few techniques to try to minimize the costs of your health but for example if you have to inquire before leaving this is undeniable know what you will find you will all six know about having in mind pushes them to see how insurance works because it's like finding drugs etc then once you're down here you have to obviously promote prevention know this tome and dick and without it e put in danger to know when to consult a doctor etc so there is plenty of stuff and that's good today I'm talking about it because it is the subject of the article I have published this morning so i'm going to share you right after this article on my american health blog here and so to get back to the insurance stories so in fact i wanted to suggest that in the plan i've already proposed to you there is a time to go back on the background of what it has brought and know a little where we are and then I'll come back on what you need to know to subscribe to insurance for what you need to know but what he also allows himself to understand his insurance so she you and give it she is imposed by your employer and then know if you get what are the solutions in fact that you can put in place to make sure so you make sure that's so we come back to obamacare because I have now I had a lot of things and heard a lot of things so this law for the moment it is still the cave of the country so we stick to it so even though it was much maligned in fact what to know it is mostly much maligned lately because we are witnessing an increase at dizzying premiums it's going to premium are dues every month and that there are several reasons and we also witness a departure of some insurers compared to brands four places actually those marked pc this place where you find z if you are entitled but finally you will find health insurance that are relatively cheap with well-defined conditions here we have and so you have it is a success pardon law allows you if you have income that is less than 400 % of the poverty line to receive grants here so what is handed a little bit is right now these are the subsidies and then we are witnessing a lot of insurance group insurance that is pulling out of this market so I'm going back right after because it's a little complicated what you should know anyway is that the foundations of the law obamacare she had few even this law with several foundations that was not a big step forward in the system. insurance because so close is that before it was relatively unregulated that the law allowed to put regulations so I see three main is that a law has defined said area of ​​insurance coverageMandatory field so lifted found especially everything is blood tests management of emergency rehabilitation prescription health care this mental health pardon maternity care of the newborn pediatrics rehabilitation prevention and hospitalizations ceased to give thereafter what was it like before it is because it always presents what it does not advance to me is that it requires insurance to take everyone without conditions without pre exists a condition without taking into account account for pre-existing conditions if you are sick an insurance is not entitled to refuse you under the law and that's a huge step forward because you had a lot of people who could not make sure because of a disease chronic disease etc and so that's why, in return, what she had in this law is that we can not adhere to those assurances that are on this market place that at a certain period of the year before it was three months this year the administration flat train administration reduced to a month and a half and so we are in the lah the period of subscription to an insurance so the marketplace and so you have until December 15 so quickly the sites are been saturating the last weeks so it is on the marketplace outside of that you can join find insurance through this market if you have conditions that changed as a divorce a separation he arrived on territory a change of employer etc. So that's it and so you have depending on your income the possibility of receiving subsidies from the state but it still depends a lot of the state in which you live and then it's pretty much in question right now that's what what she imposed other this law so it is taxed so to actually insure is actually if you were not sure and you were supposed to pay a fine that actually calculates in two different ways depending on your income or it's a lump sum but that's it is it is the highest amount in account that is taken is taken the highest amount that is taken into account here that add on that wise wise imposed also to companies over 50 years employee to insure his employees and that it was also a big step forward it is always a big step forward because it allows me if you are hired by the boxes which with 50 employees to have an insurance that will to be negotiated as part of a group and that goes that allows to have better conditions than any insurance here and so the point on the law now so ben I think it's no secret to say that l is in danger this law she was you can cry er and she is in danger because what she is clearly the senators the presidents and the representatives want to change things go they were already wobbly before elections this new administration but there the law was almost repealed was not and so it's a bit of a blur and that's why it's not easy to find your way around the current state of things that's how it works and so you can still subscribe to insurance through the marketplace or find insurance that meet these criteria then I was often spoken of medicare and medicaid then his luck to these assurances that are public and which are reserved in theory only to citizens american some states have extended medicaid and so children can be covered no matter when it happened so that's for example the case of florida the case of california so that's what you need know when you take insurance because it's true that there are piles of earth made me that they are hard to understand in che is especially the first this is the deductible is so in fact I do not know if you know a margin a book is called understanding the health system in the United States and so I go over all these terms in detail in fact I explain them and I give you a concrete case actually to understand how he wise years because there is going to be the franchise which ed of the small bowl with the possibility in certain cases certain insurance to have to bump the copé is that you have a fixed amount which you will pay during a consultation is what is what I give a concrete case actually because knowing well is that so you have your franchise once past the franchise you still have to pay backstage it's not cuts to share there is also a last notion to know is the concept of maximum out of poker is what you will pay a maximum in one year to your surely in health expenses forgiveness and therefore the insurance and that has the advantage of having national is that at some point if you have a group called by the feel your health expense deposit will hang and it's the insurance that will take care of the rest so that I'll very well illustrated in a year at macgé in my book where we see so left that's what pay the patient is placed on the left is what insurance pays and so we see what the patient pays and after we see if she talks about it on a bill of 50 thousand dollars that we see very well that the insurance is going to the what you are going to pay is going to be blocked therefore by what is it is the maximum out of pocket and in general it is set at 12 months dollars for a family 12.13 dollars is about that so here is what you need to know it is actually that the advantage to have a surely it is precisely that you will block your expenses at some point if you are in the case of a very serious illness a very serious accident etc then you never know how much you will pay because the what you paid in doing a negotiation between the provider the doctor and the insurance and that so in fact according to them already according to your of your insurance conditions the stock market and are going to be different know if you all before deductible or after and so that's it's pretty complicated it's for it must be well in mind all these terms where two small bowls copé maximum reader pocket and so is the low cost sherin which is the percentage of insurance coverage beyond 10 small want it can be 20% to do on your part little 20% 30% 40% that's it what gives finishes besides the colors of your plan I do not know if you have often when you speak of silver bronze or bronze silver and gold and gold platinum even more precious its going to tell me to pay you in return the monthly premium is higher then that's all so it's hard to explain in the article it's nice me I'm going to recruits in my book it's available on amazon amazon com and amazon.fr I'll put tears that you can have quick access all The book is explained not only to explain the insurances as it explains how prescriptions work Consultations with Alexis that each time there is also a whole chapter on vaccinations Vaccine differences with the French and Tutsi vaccination calendar a whole chapter about pregnancy and so it's knowing how it is supported here there are some basic tips on self-medication etc that's donation it is more something by the works of generalists in fact here then we are not finished talking about insurance if you arrive if you are the cashier that is offered to you as a solution then if you arrive if you are an employee usually sent by a big box the big box you finally give you will be included in your local insurance insurance package or international insurance international insurance so there it will be necessary to see because there is so much insurance so many constraints it's huge contract that there can be with conditions that are different some have the chance of two to be 100% supported at 1 dollar is what you should also look at and so if you have an American health insurance is interesting to understand how it works because we are always surprised will have to he that we there are still things to pay that we are not reimbursed the same way each time so it's important to know the terms of your insurance here we are that is in case you arrive as an employee if you arrive as a target to them both green card you have won the lottery and so on so there are several possibilities available to you in function of the income that you expect in the current year you can apply so via the marketplace so it will be done within two months of your arrival you are part of these conditions of one of two special conditions d membership year course at any time knowing when we aim at them two you were there three then you have the opportunity therefore to take insurance like that but the insurance jungle is pretty huge in fact and in these cases there me what I advise you his homework with a local booker who can find insurance contracts a little negotiated and above all you can steer you here and so where the interest to be ashamed to be in have you the terms of insurance to understand how it works and where you should go Hubert because an insurance would not take out an insurance based on the same insurance depending on you are 50 years old or 25 years old in full health at age 25 or with heart problems or chronic hunger problems etc will have to see in these cases finally can evaluate according to a small little cost of health vaud health in france to what insurance you head so this is the case so the second case so the case of insurance obamacare and then third box is to take an international insurance where you have insurance often guaranteed to the first dollars so of course they will have a cost that is earlier more important perhaps than insurance obamacare but must also see if these prices at the first dollar if the mention of his first dollar it can be interesting because you are sure to be refunded right away so if you have one and two small bowls knowing that the two small bowls in addition to more and more young tend to go up that is to say that you have a deductible of $ 6,000 for example that you will be started to be reimbursed from the moment where you will get $ 6,000 gets $ 6,000 of expenses so for some people as much to say that you are never refund what and even if in fact in this installment the guitarists have already negotiated between the doctors and the insurance so here is like you see it's a little jungle insurance so that was my last proposal so I will very soon offer you a direct link to an insurer who offers a package in fact for people who need to make sure in the United States there is also the cfcm option and therefore the series therefore the fund of French from abroad which is only valid for French French but namely it does not fully cover the fra is in the united states and so you need to take insurance in addition there was a package that so i talk in my arm bed with insurance or alloway more cf donkey what is manufactured is celebrating together what there is c is that the conditions having a little changed the insurance itself 20 the package proposal is changing here so simply if you decide to keep the cfc is to say the French social security you should know that it you have to do it within two years after before vote after your start because if you have any feedback risks of all the contributions would not have paid during those two years there is also a waiting period that applies etc and then I always advise you then that entitles you to three months of care if you are a sense that you come back to France but I always advise to take also an American health insurance to supplement the problem of those of this solution there it is that it is rather expensive it is for that in fact given that at the current US administration level the conditions are being softened compared to the penalty that was made compared to the people who did not ensure or do not insure and not with compliant insurance you it is possible - be interesting now to turn to international contracts that will pay you back to the first dollars so that's my conclusion on this and knowing that if you also arrive as a visa it may be interesting for an intermediate insurance in fact because between the moment you go to the rules if you join an insurance obamacare there is a moment where there is going to be a you are not going to be insured all the world has come the moment you take the insurance so its interests is important to have to be always insured because you do not know what can happen to you overnight this is what I 'm had to say so if you have questions do not hesitate I do not see them yet I think I covered pretty much everything so there was a question I even questioned privately about motherhood so motherhood being one of areas taken care of by obamacare took it so now after we have to see the differences different conditions because it is obvious that maternity a childbirth is quite expensive and always has costs to charge what is it ago there is not necessarily going to take care of everything for example the epidural and things like that of all the ultrasounds you know that we have to see that in mind that's what I also know is that for children what was also advances of the law obamacare it is that the children are taken care of normally so already that your children are taken care of until the ag 26 years by your patience it is one of the obama caires obligations and secondly it is the children can be taken care of when they are like you arrive via medicaid but in some states not all of them for example in florida it works ie if you arrive subject to u2 or green card you have won in the lottery you can have you can register your children to medicaid and they will have they will be covered according to medical it will be a little small but it will cover them if they are never sick it's a good good things to know that then I do not see any questions but do not hesitate to ask questions under this article is a bit long I'll agree so I remind you my book so understand the health system in the United States so it's a navigation guide tradition of health it comes back on all these issues of insurance but not that so what is the second part of the book is devoted so to all that is actually to present how the health system finally as follows how to consult or consulted etc how to consult with each time of the translations I return on the prescription of the drugs of the analyzes and so on what has others also so there is a whole small guide of the medicines to know that is -what is available in over-the-counter medication in the united states with sarma if i give you little tips also to pay me your medications here and then after some recommendations how to know what is must have in his pharmacy and so on I return to what is aromatherapy that that of my specialties I come back on the word also suffers on self-medication and then there is a whole chapter vaudois cease in the United States a chapter also on the vaccines here is with the vaccinal calendar American the translations of the diseases and vaccines also know the different since the differences between the 10 the two calendars vaccines the equivalences of vaccine because for example it is with the polio is not not in all vaccines were besides more advocated in the US immunization schedule beyond ten names I think he was saying here and so after the end you have a lexicon is also on the definition of different doctors doctors generalist chiropractor osteopath nurse practitioners and so it's up to you to have a building site really a good base to start and not be lost to states for r get to the united states but even if you have been there for a long time already but ask all these questions it can be interesting