Health insurance in the USA

English kujTsis English

Going to the doctor or hospital can cost a lot of money in the USA. Qhov no yog vim li cas nws yog ib qho tseem ceeb kom muaj ntawv kho mob. Learn about the different kinds of health insurance and how you can get health insurance.

Going to the doctor or hospital can cost a lot of money in the USA. This is why it is important to have health insurance. Learn about the different kinds of health insurance and how you can get health insurance.

Kev kho mob rau cov neeg tawg rog

Health insurance for refugees

Yuav ua li cas yog kev kho mob tuav pov hwm?

What is health insurance?

kev kho mob, or medical insurance, is an amount of money you pay every month to an insurance company. Cov nqi them txhua hli ntawm lub kev tuav pov hwm no yog hu ua tus nqi.

Health insurance, or medical insurance, is an amount of money you pay every month to an insurance company. The monthly cost of the insurance is called the premium.

Healthcare for immigrants is not very different from healthcare for native-born Americans, but sometimes it can be confusing. The simplest way to explain it is that when you have medical expenses, the insurance company helps pay them. A medical emergency or surgery can cost many thousands of dollars. It is better to pay the premium every month than suddenly get a huge bill from a hospital. Nyob rau hauv kev, healthcare for immigrants and refugees is the same as for native-born Americans. The differences in health insurance are based on age, ua hauj lwm, any health problems you currently have, and how much money you make.

Healthcare for immigrants is not very different from healthcare for native-born Americans, but sometimes it can be confusing. The simplest way to explain it is that when you have medical expenses, the insurance company helps pay them. A medical emergency or surgery can cost many thousands of dollars. It is better to pay the premium every month than suddenly get a huge bill from a hospital. In general, healthcare for immigrants and refugees is the same as for native-born Americans. The differences in health insurance are based on age, employment, any health problems you currently have, and how much money you make.

Yuav ua li cas kuv tau kev tuav pov hwm?

How do I get health insurance?

Nyob rau hauv lub tebchaws United States, koj ua tau:

In the United States, you can:

  • get covered through government (public health) insurance programs, los yog
  • get insurance through your job with help from your employer, los yog
  • buy health insurance yourself.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.

Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.

Government health insurance programs

Government health insurance programs

Are you eligible?

Are you eligible?

Being tsim nyog tau txais for something means can you get something or qualify for something. The government will decide if your and your family are eligible for government programs. To decide if you are eligible, lawv saib yuav ua li cas npaum li cas cov nyiaj uas koj ua, yuav ua li cas muaj ntau yam cov me nyuam koj muaj, thiab yuav ua li cas laus koj yog. Healthcare for immigrants and refugees may be cheap or free, since you may not be making much money at first.

Being eligible for something means can you get something or qualify for something. The government will decide if your and your family are eligible for government programs. To decide if you are eligible, they look at how much money you make, how many children you have, and how old you are. Healthcare for immigrants and refugees may be cheap or free, since you may not be making much money at first.

Medicaid

Medicaid

Medicaid is a public health insurance program run by the state you live in. The program provides help to individuals and families that are low-income or have disabilities. Ib txhia neeg tawg rog cov tsev neeg yuav tau txais Medicaid thaum lawv nyuam qhuav tuaj txog nyob rau hauv lub tebchaws United States. Kev Cai rau kev tsim nyog sib txawv los ntawm lub xeev.

Medicaid is a public health insurance program run by the state you live in. The program provides help to individuals and families that are low-income or have disabilities. Some refugee families will get Medicaid when they first arrive in the United States. Criteria for eligibility vary by state.

Medicare

Medicare

Medicare is a public health insurance program run by the US government. Medicare is available to all adults age 65 and older and to disabled citizens of all ages. Medicare offers a plan to assist with the costs of prescription drugs. Learn more about Medicare.

Medicare is a public health insurance program run by the US government. Medicare is available to all adults age 65 and older and to disabled citizens of all ages. Medicare offers a plan to assist with the costs of prescription drugs. Learn more about Medicare.

CHIP

CHIP

Cov me nyuam Health Insurance Program (CHIP) pays for healthcare for low- to middle-income families with young children. CHIP is a good program because it pays for your children’s doctor appointments and medical care. It is important for refugee families to take their children to the doctor for yearly check-ups and for immunizations. Search for your state’s CHIP program.

The Children’s Health Insurance Program (CHIP) pays for healthcare for low- to middle-income families with young children. CHIP is a good program because it pays for your children’s doctor appointments and medical care. It is important for refugee families to take their children to the doctor for yearly check-ups and for immunizations. Search for your state’s CHIP program.

WIC

WIC

Cov poj niam, Cov me nyuam mos, and Children (WIC) is a state-by-state managed healthcare program that specifically helps children younger than five years of age, cev xeeb tub cov poj niam, thiab pub niam mis rau leej niam. Qhov kev pab cuam tsom rua kev noj haus, cov zaub mov, thiab kev txhim kho kev nkag mus rau tus kws kho thiab kev sib raug zoo cov kev pab cuam noj qab haus huv.

Women, Infants, and Children (WIC) is a state-by-state managed healthcare program that specifically helps children younger than five years of age, pregnant women, and breastfeeding mothers. The program focuses on nutrition, food supply, and improving access to healthcare and social welfare services.

Yog hais tias koj yog cov tau nyiaj tsawg thiab muaj ib tug me nyuam, qhov no yog ib tug zoo kev pab cuam. Learn more about WIC and search for your state’s WIC program.

If you are low-income and have a baby, this is a good program. Learn more about WIC and search for your state’s WIC program.

Private health insurance

Private health insurance

Many Americans have private health insurance and do not use public health insurance programs. This is because companies often pay for private health insurance for their workers.

Many Americans have private health insurance and do not use public health insurance programs. This is because companies often pay for private health insurance for their workers.

Workplace health insurance

Workplace health insurance

Thaum koj saib rau ib txoj hauj lwm, koj yuav tsum tau sim mus nrhiav ib txoj hauj lwm uas muaj ntawv kho mob. Qhov no yuav pab tau koj tsev neeg. The employer pays most of the cost and the employee pays a small amount. For an extra amount, employees can usually choose to include their husband or wife and any children they have on the same insurance plan.

When you look for a job, you should try to find a job that offers health insurance. This will help your family. The employer pays most of the cost and the employee pays a small amount. For an extra amount, employees can usually choose to include their husband or wife and any children they have on the same insurance plan.

Yog hais tias koj tawm koj txoj hauj lwm, you may be allowed to keep your insurance coverage for a while, through a government plan called COBRA. COBRA is only for a short period, and you may have to pay the whole premium yourself, but it will keep you covered between jobs..

If you leave your job, you may be allowed to keep your insurance coverage for a while, through a government plan called COBRA. COBRA is only for a short period, and you may have to pay the whole premium yourself, but it will keep you covered between jobs..

Paying for insurance without an employer

Paying for insurance without an employer

If you do not have an employer offering health coverage, and if you are not eligible for a government program, you will have to buy private health insurance. This can be expensive. You may be eligible for help with your premiums through the Affordable Care Act.

If you do not have an employer offering health coverage, and if you are not eligible for a government program, you will have to buy private health insurance. This can be expensive. You may be eligible for help with your premiums through the Affordable Care Act.

Lub Affordable Care Act

The Affordable Care Act

Lub Affordable Care Act (ACA), kuj hu ua “ObamaCare,” yuav tsum tau feem ntau US pej xeem thiab kev cai lij choj cov neeg muaj ntawv kho mob. But it also allows you to buy health insurance for a lower cost with help from the government. See if you can get coverage under the Affordable Care Act.

The Affordable Care Act (ACA), also called “ObamaCare,” requires most US citizens and legal residents to have health insurance. But it also allows you to buy health insurance for a lower cost with help from the government. See if you can get coverage under the Affordable Care Act.

College medical insurance plans

College medical insurance plans

Students are often able to purchase healthcare insurance through their colleges. To be eligible you must be enrolled in a certain number of credits.

Students are often able to purchase healthcare insurance through their colleges. To be eligible you must be enrolled in a certain number of credits.

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