To a medical insurance choice after arrival to the USA it is necessary to approach so seriously, as to a choice of the partner in life. To begin with it is not out of place to solve, from what you want to be insured.
Basic Medical Insurance refunds the expenses connected with visits to the therapist and doctors-experts, with surgical interventions, anaesthesia, every possible consultations - and covers three fourth that not too sick person spends for doctors and medical assistance.
Insurance
That who does not exclude for itself possibility to be sometime hospitalised, it is necessary to make out Basic Medical Hospital Insurance. It is calculated on two months of continuous stay in hospital and compensates 80 percent of all hospital accounts.
The third kind of the insurance - Major Medical Insurance. It more than two above-stated, on it it is possible to be ill long and hard, without doubting that all expenses on treatment will be compensated you - or to your relatives. Here, truth, too is variants. Having paid more, it is possible to make the contract in such a manner that the general medical insurance will cover to 100 percent of your expenses. And if you want to save, make out an incomplete variant is some minimum sum, more precisely, percent from the health services cost, which patient pays itself and additional payments co-payments. As insurance covering Major Medical Insurance is great, some companies pay expenses for it only in the event that you will be treated at the certain doctor or in certain hospital - their names and addresses make a reservation in advance in the contract. Other insurers show flexibility in this question: If the patient addresses in the hospital specified in the list, its accounts pay on all of 100 percent, and if in any another - only partially.
Acquisition of a following kind of the insurance - Accident Insurance - assumes of you some фатализм. On the one hand, it like is necessary, and with another, suddenly with me happens nothing? In this case anybody will not return any money to you back.
Hospital Indemnity Insurance it is calculated for two months and, in case of hospitalisation of the client, should return it a certain part of its hospital expenses. This kind of the insurance differs from Basic Medical Hospital Insurance that compensates not any percent of your account, and the concrete sum stipulated by the contract. Having such insurance - in addition to the basic hospital - it is possible to count on compensation of this or that sum accurately.
Knowing the heredity and predisposition to those or other illnesses, people can issue "risk groups" Specified Disease Insurance and rather easy meet displays of an ulcer, a diabetes, is warm - vascular or even cancer diseases.
To insurance on a case of long medical aid resort, as a rule, when this case has already come and is clear that the person should be treated much and long, thus the forecast is not always favorable.
Average cost of the majority of insurance policies - 400-600$ in a month - it is natural, with an advance payment.
