Us blockchain of medical insurance company
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
The rapid development of American medicine has attracted worldwide attention, but it is not easy for all patients to enjoy the new medical achievements. Without medical insurance, an average worker's income in a month is often only enough to pay for one day's hospitalization expenses, let alone the use of expensive new drugs. If you don't choose the right medical insurance, once you are seriously ill, the medical bill will ruin you. People who apply for medical insurance will get a medical insurance card, and the hospital will pay the bill to the relevant insurance company according to the card and number
How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insuranceInsurance editor to help you answer, more questions can be answered online
However, it is not easy for all patients to enjoy the new medical achievements. Without medical insurance, an average worker's income in a month is often only enough to pay for one day's hospitalization expenses, let alone the use of expensive new drugs. If you don't choose the right medical insurance, once you are seriously ill, the medical bill will ruin you. People who apply for medical insurance will get a medical insurance card, and the hospital will pay the bill to the relevant insurance company according to the card and number< 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. In the United States, the medical insurance system of the federal government covers a wide range, including "medical care" insurance for the elderly and the disabled over the age of 65, and "medical care for the poor" program 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 all "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< 1. GHI is a kind of medical insurance which is very popular in New York, New Jersey and Connecticut. It was founded in 1937 and now covers the west coast. It's a self styled non-profit insurance scheme. There were about 2.7 million participants in 1995. About 13500 medical experts have joined the team. Although it is a non-profit insurance company, it received $1.3 billion in premiums in 1995. One of the benefits of GHI is that policy holders can choose their own personal doctors. This is very important for many immigrants. Many Chinese are not fluent in English, so it is common for them to choose Chinese doctors. Each time the patient sees a doctor, he will only bear the fixed fee of five dollars, and the rest will be borne by the insurance companybut this does not mean that doctors can charge and prescribe indiscriminately according to the requirements of patients. The GHI insurance system requires doctors to join the program, which means they are bound by the program. There are strict regulations on what kind of disease should be prescribed, what kind of medicine should be prescribed, and what kind of treatment should be adopted. There is an upper limit on the final treatment cost. The extra part of the insurance company will not bear one cent
another way of insurance is that the medical expenses within a certain range need to be borne by the patients themselves. This part of the money is called self dection, and the excess part is borne by the insurance company. Some patients have to pay some co insurance premium
recing waste and improving efficiency are the same goals of all insurance plans. Because most of the emergency can be reimbursed, the insurance company has a strict definition of emergency: how much fever, whether the injury is stitched or not are the identification standards. Insurance companies also have strict regulations on the payment of room, medicine, medical equipment, laboratory and X-ray expenses
some insurance companies also stipulate the number of days allowed to be hospitalized each year, which is usually accumulated within 60 to 100 days. If more than 60 days, some insurance companies will not pay. Insurance companies and relevant experts work out the standard, what kind of disease, the longest length of hospital stay should be; There are rules on how long it should take to transfer to rehabilitation hospital care
2. Medical savings account is another new type of insurance which was 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
however, only 750000 households are accepted in the United States this year, which is a drop in the bucket. At present, there is only one bank opening this kind of account, and two insurance companies accept this kind of medical insurance
3. Medical care plan
according to one statistic, even if there is a "medical care" plan for the elderly, the elderly will still spend more than 20% of their average income on medical expenses with the increase of diseases. And the "medical care" program was first used. Clinton proposed a seven-year plan to cut $270 billion, which was opposed by many people. Then he proposed a five-year plan to cut $100 billion. Republicans are proposing to hand over more health insurance for the elderly to the private sector. Therefore, more and more elderly people are worried about the quality of medical services
Medicare also has strict restrictions on hospitalization. First, there must be a doctor's certificate that the patient needs hospitalization or care. Second, the hospital you live in must participate in the federal health insurance program. And then get the approval of UPC or pro
usually, participants also need to prepare "advance instructions" to tell the hospital what kind of service you want to get and what kind of service you don't want to get, because some services will pay for themselves“ The function of "advance instruction" is to provide reference for doctors when patients lose communication ability in medical emergency
4. Blue Cross and Blue Shield
for the elderly, it is more important to find a suitable type of insurance. However, the "medical care" or "medical treatment for the poor" scheme provided by the government can not cover the part. However, the premium of some of these supplementary types of insurance is as high as $1000 per year
"imperial Blue Cross and Blue Shield" is an insurance plan with a long history under the Blue Cross and Blue Shield Association of the United States. It is also an ideal type of insurance to help the elderly. It's famous in the New York area. It seems to have many advantages: it does not require patients to pay "out of pocket money" by themselves, as long as it is for medical needs, it bears 100% of the hospitalization expenses, and there is no limit on the length of hospitalization; Only $10 per visit; The test fee is free of charge; 24-hour telephone consultation service. What's most attractive is that emergency services are affordable everywhere in the world
its "contract hospitals" include many large hospitals such as New York Medical Center. The elderly over the age of 60 can join, but one of the conditions is that they need to join the "medical care" scheme first< In recent years, the health insurance organization (HMO) in the United States is another mode of medical insurance management, which is highly praised by the federal government and accepted by more and more people with middle and lower income. Sixteen million Americans have joined the program
health insurance organization is not a specific organization, but the main type of medical management. It consists of designated hospitals, insurance companies and government agencies to form a huge medical service network. The insured has a corresponding fixed "attending doctor". Unless the attending doctor's consent is obtained, the insured must go to the designated hospitals in the network. In this way, people who want to find more experts will feel too constrained. In addition, the premium provided by the government to HMOs is also showing a trend of compression, so health insurance organizations are worried that services will "shrink" and patients will be lost
point of care (POS) program is a typical improved form of HMO medical service. As long as the participants pay 10% to 15% more premium and about 30% more medical expenses, they can go to any place and find any doctor. Among the 630 HMO institutions in China, the number of implementing such programs has increased from 20% in 1990 to 50%< Oxford Medical Insurance, founded in 1984, is a very successful company of its kind in the eastern part of the United States. In 1996, Fortune magazine ranked fifth among the fastest growing companies in the United States. There are more than 37000 doctors in the company's network, with nearly 2 million members, of which about 30000 are Chinese members who have developed in the past three years
the company proposes a variety of options to allow the insured and their families to freely choose the services of any doctor or medical institution inside and outside the network. The difference is: in the network medical expenses, usually members only bear the registration fee of 5-10 US dollars. The first 200 US dollars must be paid by the members themselves, that is, the "out of pocket" part. The excess part shall be shared with the company according to a certain proportion
"Oxford ex gratia insurance scheme for the elderly" is also a special kind of insurance for the elderly over 65 years old. Under the government's "medical care" scheme, patients pay 20% of all hospitalization expenses on the first day of hospitalization, and the government pays 80%. If the old people who are members of Oxford join the preferential scheme of Oxford again, there is no need to increase the premium. However, all the above-mentioned hospitalization expenses can be exempted
the company also underwrites emergency medical expenses for the elderly all over the world. If you don't need to stay in hospital, you only need to pay $50 for the emergency quota
for a growing number of small businesses, the company also offers a collective insurance scheme, which can be joined by only three employees in a company. In addition, the company's customer service centers regularly hold health talks for the community, which are very popular with the elderly
the soaring medical costs in the United States force the federal government to find various ways to rece government investment. At present, the national medical expenses have increased from 172.6 billion US dollars 20 years ago to 900 billion US dollars at present. Less than one third of the total is covered by the government's medical plan< However, under such a system, 40 million people are still excluded from the medical insurance plan, including at least 3 million children. When the government's investment is insufficient, the intervention of private institutions is natural. From the various forms of medical insurance, the intensity of competition in the U.S. insurance instry can also be seen
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.
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
In fact, this view is wrong, but some people just think so. In fact, the health insurance to be implemented in the United States is similar to China's social security. There will not be much conflict between the health insurance and commercial insurance. A small part of the market may be lost because of the health insurance. However, in the United States, commercial insurance mainly serves the rich above the middle class, The health insurance implemented by the government is aimed at the whole people, and most of the people who benefit from it are low-income people. So there is not much conflict between the two
How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insurance1. 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.
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 systemAtlas 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
Insurance editor to help you answer, more questions can be answered online
I've been in the United States for more than 20 years, and I don't know what China's health care reform is like. I can only provide information about the United States for your reference
in the United States, health insurance is paid by indivials and employers. People who don't work or work for themselves pay for insurance. Retirees can use the retirement medical insurance fund they have bought since they started working, and they can also enjoy medicines at preferential prices
in the past, buying insurance was a choice. What we had to buy was the medical insurance fund after retirement, which was mandatory. The new policy of the president of Austria is to force everyone to buy medical insurance. If the poor can't afford it, the expenses will be borne by those who can afford it
before the implementation of this new policy, medical insurance in the United States was already very expensive. Our husband and wife had to pay more than $200 a month, and the employer heard that they paid more. Now, we have to pay more than $300 a month, and many of the things that used to be free now have to be partially paid. In the past, we only paid $10 for the registration fee for one visit to the doctor, and other expenses are basically reimbursed. Now many surgeries have to be undertaken by indivials, and the registration fee has risen to $25. The emergency department has to pay $100 for itself
insurance companies play an important role in the medical system of the United States. They always teach doctors that if patients look healthy and have no major health risks, they should try to do less examination and save money. But if the patient's risk is high, they should be carefully examined to avoid lawsuits
for general insurance, you have to go through the so-called family doctor first. He thinks you need to see a specialist before you can go. Because in the United States, instead of waiting in line for registration, you can make an appointment by phone, so two doctors will let you wait for more than a month. By the time you see a specialist, your condition will be much worse. Of course, you can buy the most expensive medical insurance. You can go wherever you want, but it's too expensive, so few people buy it
the Republican Party of the United States opposes the new policy and wants to reverse the law of compulsory medical insurance
in the United States, prescription drugs, surgery and examination fees are surprisingly expensive. A B ultrasound costs several thousand dollars, so if you have a serious illness, your health insurance will soon reach the top, and you need to pay for it yourself< In short, there are many problems with health care in the United States. When I first came to the United States, the company paid a very low salary to the employees, but the employer paid 100% of the medical insurance, everything was reimbursed, and the employer was responsible for paying half of the tuition fees when the children went to college. Now, that's gone forever