Which medical insurance to buy in the USA?

According to US laws, to get health insurance, anyone is obliged to sign a contract with an insurance company. A person pays a certain amount to the company monthly, and it takes over part of the therapeutic costs if you get ill. Of course, you know that medicine in the USA is costly. Hence, people try not to ignore insurance. 

Depending on the income level, you can get insurance in the US by the subsequent means:

• For your own cost.
• The government covers a part of the cost.
• The government fully pays your insurance.
• Your employer buys insurance for you. 

Types of health insurance

• Preferred Provider Organizations. It is a broad network of hospitals. You can be cured of both in institutions of the network and outside them. Buying health insurance in the United States of this type will cost more than others.
• Health Maintenance Organizations. The price of health coverage in the United States of this type is the lowest. The reason is the limited number of doctors and medical institutions that you can visit. You are obliged to get medical help in hospitals of the same network. 
• Point-of-service. This insurance assumes that you will pay less when you use in-network doctors and hospitals.

Depending on the percentage of coverage of medical expenses, there are four basic insurance plans:

• Platinum – the insurance company pays 90%.
• Golden – the insurance company pays 80%.
• Silver – the insurance company pays 70%.
• Bronze – the insurance company pays 60%. 

All insurances differ in a large number of important financial issues. These can be the following:

• Co-pay. It is a fixed amount you pay for each medical service, and the balance is covered by your insurance company.
• Deductible. It is the sum that must be spent before medical coverage starts.
• Co-insurance. You pay a certain percentage of the cost.

Dental and ophthalmology insurance is traditionally purchased separately. Dental services are included only in children’s insurance throughout the United States.

Where and when to buy it?

You can acquire health coverage in the United States through the Health Insurance Marketplace. In this country, there are certain times when people can purchase insurance. You can buy it each year from November to February. However, insurance prices remain unchanged. Of course, cases of relocation, family changes, and some other exceptions allow you to buy insurance outside the established period.

Financial issues

The health coverage price in the USA depends on your income level. All families with many children, as well as pregnant women, persons with disabilities, and adopted children under the age of 26, can count on state support for obtaining health coverage. You can apply online on the website or at one of the local offices of the Department of Medical Services. After the nationwide Health Care Reform, more people in the US have access to free health insurance.

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