US health insurance blockchain

1. The "three pillars" of endowment insurance are basic endowment insurance, enterprise annuity and personal commercial endowment insurance. Basic endowment insurance is a kind of social insurance system established and implemented by the state according to laws and regulations. Under this system, employers and workers must pay endowment insurance premium according to law, when the workers reach the national retirement age or because of
the United States; Medical insurance, the three major health insurance companies; Pillar
the "three pillars" of endowment insurance are basic endowment insurance, enterprise annuity and personal commercial endowment insurance. Basic endowment insurance is a kind of social insurance system established and implemented by the state according to laws and regulations. Under this system, employers and workers must pay endowment insurance premium according to law, when the workers reach the retirement age stipulated by the state

2. Medicaid for the poor in China
Medicaid for the poor is a kind of insurance that the federal government and the state government cooperate to provide medical services for the low-income people. U.S. citizens and legal immigrants who meet the standards can apply, but they can only apply after they have obtained the U.S. green card for more than five years. If you have a good income in the United States, you may not be able to apply for Medicaid in your old age, but can only apply for Medicare
Medicaid is mainly funded by the state government, and the federal government provides part of the funding through the federal health insurance and medical aid service center. Under the guidance of the federal government, each state government formulates and implements its own Medicaid insurance plan, including the poverty line and asset standard set by the state government to determine the eligibility of applicants, the scope of medical services covered by the insurance, and the reimbursement level of medical expenses. The state government reviews the income and asset status of the insured annually to determine whether to retain or disqualify them
each state has its own Medicaid program. If you need more information about Medicaid insurance in this state, you can go to medicaid.gov to check the Medicaid insurance regulations of each state
Medicaid is a kind of medical insurance for low-income groups. It's a program run by state governments. You must be a local resident to apply for local low-income health insurance. The main criterion of Medicaid qualification is income. Below the standard line set by each state<

new immigrants who have just arrived in the United States usually need to wait five years before they are eligible for Medicaid organized by the federal and state governments and other medical insurance for low-income people. So ring this period, the elderly need to buy their own health insurance as a transition<

Medicare is a kind of government medical insurance provided by the federal government for the elderly aged 65 or above, people under 65 years old with long-term disability or patients with permanent renal failure. The applicant must be a U.S. citizen or permanent resident who has paid Medicare tax to the state for more than 10 years (40 quarters). The Medicare program is managed by the federal government and has a unified policy in each state
Medicare is divided into four parts:

Part A: hospitalization insurance, which pays most of the hospitalization expenses for the beneficiaries, but the patients need to pay part of the expenses themselves. Hospitalization insurance also includes the expenses of professional nursing and rehabilitation treatment after the patients leave the hospital
Part B: supplementary medical insurance, which pays 80% of the cost of treatment in the doctor's clinic for the beneficiary
Part C: the medical insurance preferential plan is a kind of additional medical service insurance designed for the beneficiaries of federal medical insurance by the government's authorized insurance companies
Part D: the prescription drug program is a government subsidized drug welfare program. Beneficiaries who participate in the program can buy prescription drugs at a low price by paying extra insurance premium
the hospitalization insurance (Class A) part of Medicare is compulsory, and the required funds are raised through Medicare tax levied by the government. In the United States, all employers and employees are required to pay 1.45% of their salary respectively to pay for hospitalization medical insurance to support the funding needs of the medical care insurance
other parts of Medicare (categories B, C, and D) are voluntary. Whether you are a U.S. citizen or a legal immigrant, you have to pay an additional monthly premium to participate in these plans
the US government allows low-income elderly people to apply for Medicaid at the same time if they can't afford to pay for health care.

3.

Insurance requirements
residents in the United States are generally divided into five categories: 1. Citizens; 2; 2. Green card; 3. Residents without green card and legal visa (foreigners who spend more than half of the year in the United States); 4. Non resident foreigners (foreigners staying in the United States for a short period of time); 5. Illegal immigration
apart from the two differences between the right to vote and the repatriation after committing a crime, there is little difference between other citizens and green cards, and insurance companies are basically equal in auditing
generally, the following requirements should be met when buying insurance:
first, the applicant must enter the United States legally with a valid passport and visa
Second, fill in the life insurance application form in the United States, and conct physical examination in the United States (mainly blood drawing, urine test, height and weight measurement, simple ECG, etc.)
thirdly, the insured must provide the data of past medical records, which can be in Chinese
Fourth, the insured amount must be more than 1 million, accept permanent insurance, not term insurance
types of insurance that can be purchased under different identities
there are two types of medical insurance companies in the United States. Most insurance companies provide local medical insurance for American citizens and legal immigrants, and a small number of insurance companies provide visitor medical insurance for foreigners who visit the United States for a short time
first, visiting relatives or business work in the United States.
there are two types of visitor medical insurance in the market: fixed coverage plan and comprehensive coverage plan
the fixed coverage insurance plan means that for each medical service, the insurance company only bears a fixed amount, such as $50 for a doctor, $500 for an emergency, and $3000 for an operation. The remaining medical expenses, no matter how much, are paid by the insured
Second, to study in the United States
if you want to study in the United States (F-1 visa) or be a visiting scholar (J-1 visa), you must provide medical insurance certificate before you can register. Many schools have reached agreements with insurance companies to provide medical insurance for their students. You can buy such insurance for yourself and your family at school. You can also buy medical insurance that meets the minimum requirements of the school from insurance companies outside the school
American universities generally have student health service centers, which provide basic medical services such as outpatient, emergency, laboratory examination, health consultation, psychological counseling, vaccination and so on. Common diseases and trauma can be solved here. The school also provides a variety of free health ecation and psychological counseling services< Third, working in the United States can obtain medical insurance through the following channels:
1. Participate in the company's collective medical insurance
2
3. Participate in the collective medical insurance provided by the Instry Association for its members

How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insurance

4. I think there is something wrong with your problem. Every country has medical insurance. But medical insurance is not omnipotent. Just think about the situation we are facing. What's more, the United States is making so much noise because of the medical problem, so it's not as easy as you think. Buy an insurance and you'll get it all? That's not the truth.

5. Dianins global, Inc said that there are the following
1. Hospital insurance

is used to protect the inpatient and outpatient services (excluding doctor's fees) in the hospital. You can choose the maximum length of stay per year and the total amount of insurance payment, which is beyond your own responsibility

2. Medical surgical insurance (medical surgical insurance)

the internal medicine part guarantees the doctor's fees ring hospitalization, as well as some out of hospital medical services such as drugs, X-ray, anesthesia and testing (to be listed in detail), and sometimes the doctor's fees of clinics. The surgical part refers to the surgeon's operating expenses

3. Major medical insurance is also known as catastrophe insurance, which refers to the huge expenses needed to pay for major diseases or accidents. Generally, there is a dection of $100-500 and 20% of your expenses, but when you reach a certain limit, the insurance company will cover it all. Don't think that the insurance premium will be very expensive if the amount of insurance is so large, because the chance of occurrence is not high, the dection is large, and you have to share the expenses, so the premium is not as high as the above two. If you only have the ability to buy one kind of insurance economically, you'd better buy this kind of insurance

4. Disease specific insurance

some diseases, such as cancer or heart disease, need long-term and expensive treatment, sometimes exceed your insurance limit, and many people will feel palpitation, so insurance companies withdraw from insurance such as cancer insurance. In fact, most of the time, he did not fully pay for the coverage of the insurance, and most of the items covered by the insurance have been included in your original insurance coverage, which is a bit wasteful and unrealistic.

6.

Insurance editor to help you answer, more questions can be answered online

There are many kinds of medical insurance in the United States, which often confuse the first-time applicants. There are student medical insurance for students and unlimited private insurance for the rich. American medical insurance system
Atlas of American medical insurance system
the coverage of the federal government's medical insurance is also very broad, including "medical care" insurance for the elderly and the disabled over the age of 65, and "medical care for the poor" plan for low-income families
in the United States, rich people can have more than one private doctor, and the cost of seeing a doctor anywhere in the world is "reimbursement" on the condition that they pay an expensive monthly insurance premium. The poor can only look for those medical insurance institutions with lower insurance premiums and go to designated hospitals for treatment. People who can't make ends meet may not take part in any medical insurance. Once they have to see a doctor, they can queue up in public hospitals and fill in lengthy and tedious declaration forms to get a free prescription
the medical savings account is another new type of insurance that has just been tried out in the United States last year. As soon as it was launched, it was welcomed by many low - and middle-income people
participants in the scheme can set up a special personal account in the bank, which only deposits 138 US dollars a month, and can set up a self payment scheme of less than 2250 US dollars. The family insurance fee is 431 US dollars. If the total medical expenses of the whole family exceed 4500 US dollars, the insurance company will bear it. The expenses of seeing a general dentist, vision correction, and psychologist can also be reimbursed. At present, in general medical insurance, the indivial's monthly insurance premium is at least $200. In addition, ordinary medical insurance, even if you don't see a doctor or go to hospital, you can't get the premium back
however, the characteristic of medical savings account is that each year, the indivial only needs to put 65% of the out of pocket amount, and the family only needs to put 75% of the out of pocket amount into the bank, which needs to be dected from this account only when the doctor and the patient are in hospital. When the patient is not in hospital, the money is naturally put in the bank like a current deposit, which not only has interest, but also does not need to pay tax

7.

In fact, in the United States, it is very difficult to reform the medical insurance system. No matter in the process of passing the health care reform plan or in the process of implementing it, we have encountered resistance that can not be ignored. after all, the United States is a capitalist country. In the United States, the interests of capitalism are the main interests

on the one hand, the reform has expanded the coverage of medical insurance, increasing the coverage rate of medical insurance in the United States from 85% to more than 95%, reflecting the concern for the vulnerable groups. Nearly 50 million low-income groups, including 3 million young Americans aged 19 to 26, will benefit from the reform< however, on the other hand, it also makes the middle class and the high-income class worry that their current level of medical insurance will decline

the new Act stipulates that by 2014, all American residents must purchase medical insurance, or they will have to pay a fine, this conflicts with the general liberalism and restrictive government ideas in American society the reform bill states that there will be no additional tax increase for the public, but some analysts believe that the reform may make the public face new tax problems, increase the financial burden, and then affect the process of economic recovery

in recent years, Obama's health care reform bill has attracted great attention in the United States and even the whole world, and the controversy is also very big. Because this health care reform bill touches the interests of all parties, the reform process can be said to be full of twists and turns, and has been bumpy for several times