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La Familia Stories

Health insurance in the USA: what’s the best option for you?

By October 10, 2015 No Comments

This is probably one of the biggest problems.

You need to understand and get familiarized with a new health insurance structure when you’re in a different country.

It can be confusing and overwhelming at the very beginning. Let’s analyze the different types of insurance that the USA has to offer.

 

Affordable Care Act [Obamacare]

This act was passed aiming at broadening children and young adults’ health coverage, as well as ending arbitrary withdrawals of insurance covering and guaranteeing the right to appeal against a denial of payment.

It also enables small business tax credit so companies can provide a health insurance for its workers.

You can apply for this insurance by registering online at HealthCare.gov

 

Continuation of Health Coverage [COBRA]

This type of insurance covers inpatient and outpatient hospital care, physician care, surgery and other major medical benefits, prescription drugs and dental and vision care and is addressed to group health that, due to an important event, might be terminated.

For more information you can have a look at an employee’s guide to health benefit under COBRA.

 

Health Insurance Plans

There are different types of health insurance plans. Depending on the health insurance plan that you go for, you’ll have to pay a part of your medical expenses as agreed with your insurer.

The three main health insurance plans are:

 

Long-term care

Long-term care plans are addressed to people are likely to meet their medical and personal care need over a long period of time. There are different service providers depending on the State where you’re planning to apply for it.

The cost of this service will depend on the services that you need and the period of time that you need care.

If you’re interested in this type of care, you can read and download the guide to long-care insurance for free.

 

Health resources for people with disabilities

There are some care programs specifically designed for people with disabilities. You can learn more about them consulting some online resources such as the Centers for Disease Control and Prevention and the Social Security websites.

I know that so much information can be overwhelming. However, consulting the best information online is the first step to get to know this new health insurance structure and make the right decision about which type of insurance is the most appropriate for your situation.

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