How to buy health insurance if you are a visitor in U.S.

How to buy health insurance if you are a visitor in U.S.

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 美国医保). You are also recommended to buy health insurance after graduation, such as opt insurance. The one is ideal for international student to purchase is Huhu Insurance (also known as 虎虎保险) Some employers provide health

Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 美国医保). You are also recommended to buy health insurance after graduation, such as opt insurance. The one is ideal for international student to purchase is Huhu Insurance (also known as 虎虎保险) Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. Since the H-1B visa application and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 移民律师) when you apply for an H-1B visa (h1b签证). In this article, we will introduce how to choose insurance if you are temperate stay in U.S.

There are two types of health insurance companies in the United States. Most insurance companies provide domestic health insurance for US citizens and legal immigrants, and a small number of insurance companies provide visitor health insurance for foreigners who come to the US for a short period of time (Visitor health insurance).

Foreigners who travel to a US for a short-term trip with a non-immigrant visa can usually only participate in a visitor’s health insurance plan. For example, going to the United States to visit relatives, business visits, short-term study abroad, work, etc., are all the same. You can apply for a medical insurance plan as short as several days and up to several years depending on your itinerary.

Visitor medical insurance usually includes expenses such as major illness, hospitalization, examination, prescription drugs, etc. It also includes transportation expenses for transferring patients, and the cost of transporting their remains back to the country in case the insured person dies.

There are two types of visitor health insurance in the market: Fixed Coverage and Comprehensive Coverage. Fixed Coverage means that for each medical service, the insurance company only bears a fixed amount, for example, seeing a doctor for $50, going to an emergency for $500, and operating for $3,000. The remaining medical expenses are paid by the insured person no matter how much. The Comprehensive Coverage is the risk shared by the insurance company and the individual according to the proportion of the insurance contract. The patient is required to pay the self-payment and share the part of the medical expenses proportionally, and the rest is paid by the insurance company. The vast majority of visitor health insurance does not include pre-existing conditions and related complications, such as high blood pressure, diabetes, etc., and does not include medical expenses related to pregnancy.

Fabian Garth
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