Asirans sante

Angle touPa gen anglè

Ale nan dokte a oswa lopital ka koute anpil lajan nan USA a. Se poutèt sa li enpòtan pou gen asirans sante. Aprann sou diferan kalite asirans sante ak kijan ou ka jwenn asirans sante.

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.

Asirans pou refijye yo

Health insurance for refugees

Nan ki sa wap asirans sante?

What is health insurance?

Asirans sante, oubyen asirans medikal, se yon kantite lajan ou peye chak mwa pou yon konpayi asirans. Koute mansyèl asirans lan te rele lan mete priyorite.

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.

Santé pou imigran ki pa trè diferan de santé pou Ameriken yo Izrayelyen natif-natal, men pafwa li kapab ki pa klè. Wout ki pi semp la esplike l' se sa lè ou sèvi ak depans medikal, asirans konpayi an ka ede w yo. Yon ijans medikal oswa yon operasyon ka koute anpil dè milye de dola. Li se pi bon pou peye prim a chak mwa pase pran rete konsa yon gwo lwa yo nan yon lopital. An jeneral, santé pou imigran ak refijye yo. Se menm bagay la tou tankou Ameriken yo Izrayelyen natif-natal. Diferans nan asirans sante yo fèt sou baz laj, travay, pwoblèm sante ou koulye a gen, konbe kòb ou fè.

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.

Kouman m ap ka jwenn asirans sante?

How do I get health insurance?

Nan Etazini, ou kapab:

In the United States, you can:

  • al kache nan gouvènman an (sante piblik) pwogram asirans, ni ni
  • jwenn asirans nan travay ou ak èd nan men anplwayè, ni ni
  • achte asirans sante kò ou.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Vivan kouvri se menm bagay la tou menm jan yo te te fe ansekirite. Yo tou de vle di ou pwoteje depi yo gen pou yo peye gwo resi medikal epi.

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

Pwogram asirans sante gouvènman yo

Government health insurance programs

Èske ou gen dwa?

Are you eligible?

Vivan gen dwa Paske, gen yon bagay vle di kapab ou jwenn yon bagay oubyen kalifye pou yon bagay. Gouvènman an va deside si fanmi ou ak ou yo elijib pou pwogram gouvènman yo. Pou deside si ou kalifye, yo gade sou ki kantite lajan ou fè, Konben pitit ou gen, e ki laj ou. Santé pou imigran ak refijye yo ka gen bon mache oswa ki gratis, depi ou pa ka fe anpil lajan nan premye.

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 se yon pwogram asirans sante piblik ki kouri nan eta ou ap viv. Pwogram nan bay ed pou moun ak fanmi ki ba-revni oswa ki gen andikap. Gen kek fanmi refije ki ap resevwa Medicaid le yo premye rive Ozetazini. Kritè elijibilite pou yo varye, selon leta.

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 se yon pwogram asirans sante piblik ki kouri nan gouvenman Etazini an. Medicare disponib pou tout granmoun laj 65 pi gran ak andikape sitwayen ki gen tout laj. Medicare ofri yon plan pou ede ak depans medikaman pou preskripsyon. Aprann plis enfomasyon sou 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.

JETON

CHIP

Pwogram asirans sante timoun (JETON) peye pou swen sante- fanmi ak timoun piti. CHIP se yon bon pwogram paske li peye pou randevou dokte pitit ou yo ak swen medikal. Li enpòtan pou fanmi refijye yo pran pitit yo kay doktè pou anyèl tchèkòp nan klinik ak iminizasyon. Cheche pwogram CHIP eta a.

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

Fanm, Timoun, ak timoun (WIC) se yon leta ak pa-leta gérés sou swen lasante pwogram ki espesyalman pou ede moun pi piti pase senk an daj, fanm ansent, ak manman an. Pwogram lan focuses sou nitrisyon, pwovisyon manje, e amelyore aksè pou sèvis swen sante ak sosyal byennèt sosyal.

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.

Si ou ki pa touche anpil lajan epi fè yon pitit, sa se yon bon pwogram. Aprann plis sou WIC ak rechech pou eta Pwogram WIC.

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.

Asirans prive

Private health insurance

Anpil Ameriken gen asirans prive pa sèvi ak pwogram asirans sante piblik yo. Sa se paske konpayi yo souvan peye pou asirans prive pou travayè yo.

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.

Asirans sante au

Workplace health insurance

Lè ou gade pou yon travay, ou ta dwe eseye pou jwenn yon travay ki ofri asirans sante. Sa ap ede fanmi ou. Travay la peye pi fò nan pwi yo ak anplwaye a peye yon ti kantite. Pou yon kantite ekstra, yo ka anjeneral chwazi pou enkli mari yo oswa madanm yo ak nenpot timoun yo genyen sou plan asirans lan.

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.

Si ou kite travay ou, ou kapab pemet ou kenbe pwoteksyon asirans ou pou yon ti tan, nan yon plan gouvenman rele COSOUTYEN. COSOUTYEN se selman pou yon peryod kout, e ou kapab oblije peye tout prim ou, Men li ap kenbe ou kouvri ant travay..

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..

Peye pou asirans san yon anplwaye

Paying for insurance without an employer

Si ou pa gen yon anplwaye pou ofri asirans sante, e si ou pa kalifye pou yon pwogram gouvenman, ou ap gen pou achte asirans sante prive. Sa ka che. Ou kapab kalifye pou ede ou jwenn prim ou yo nan lwa sou swen Abodab.

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.

La lwa ki pran swen

The Affordable Care Act

La lwa ki pran swen (ACA), rele tou “Obe swen,” egzije pou pifò sitwayen Ameriken e domisil legal pou genyen asirans sante. Men tou, li pemet ou achte asirans sante pou yon pri ki pi ba ak ed nan men gouvenman an. We si ou kapab jwenn pwoteksyon anba lwa sou swen Abodab.

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.

Plan asirans medikal Kolej

College medical insurance plans

Elev yo souvan kapab achte asirans swen sante nan Kolej yo. Pou ou ka kalifye ou dwe enskri nan yon seten kantite kredi.

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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