Health insurance (also known as 美国医疗保险) 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. The most common and traditional way to convert a student visa to a work visa is to apply for an H-1B visa (also known as h1b签证). 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. In this article, there are three things that people normally do not pay attention to before you purchase any insurance plans.
1 Special Limits
So how much can the medical insurance company pay? You need to read the terms of the insurance carefully, especially if you have some diseases that require long-term treatment.For some special medical services, including hospitalization, surgery, anesthesia, psychotherapy, etc., many insurance companies have certain payment limits. Some regulations only apply for Image once a year, a medical examination, and if you need more, you have to pay for it yourself.
2 Exclusion Payment Terms
Each insurance will have an Exclusion list, and you must carefully read which medical items are not covered by the insurance before you purchase.Looking at the teeth in the United States is notoriously expensive. Dental/Ophthalmology is generally a single-door medical insurance program.
3 Emergency Medical Evacuation/Emergency Reunion
This clause is closely related to the majority of international students. Emergency Medical Evacuation means that after the insured person is injured, if the local cannot meet the treatment needs, the transportation service will be provided to other areas for treatment. In some cases, when the condition is stable, it can be escorted back to the country, and the ticket cost insurance company will come out. Emergency Reunion is when the insured person is evacuated by emergency medical treatment, the insurance company will pay for the airfare, accommodation and living expenses for a family member or a friend who can take care of you.