Health insurance in the USA
Going to the doctor or hospital can cost a lot of money in the USA. Tenei he aha e mea faufaa ki te whai inihua hauora. 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.
He aha te mea inihua hauora?
What is health insurance?
inihua hauora, ranei rīanga hauora, Kei te te nui o te moni utu koe nga marama ki te kamupene inihua. huaina te utu marama o te inihua te te moni.
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.
e kore he tino rerekē i te hauora Healthcare mō manene hoki Ameliká taketake-whanau, engari i ētahi wā ka taea e te mea huanane. Ko te ara māmā ki te whakamārama i te reira ko e ka whai koutou utu hauora, tauturu te kamupene inihua utu ratou. He ohorere hauora tafa ranei e taea maha mano o tara utu. He pai ki te utu i te moni katoa marama atu i ohorere whiwhi i te pire nui i te hōhipera. I roto i te whānui, hauora mō manene, me rerenga ko te taua rite hoki Ameliká tangata whenua-whanau. hāngai ana te rerekētanga i roto i te inihua hauora e i runga i tau, mahi, tetahi raruraru hauora koutou i tēnei wā i, a ki te nui o te moni kia koe.
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.
Me pēhea e whiwhi ahau inihua hauora?
How do I get health insurance?
I roto i te Hau Amui no Marite, taea e koe:
In the United States, you can:
- kia hipokina roto i te kāwanatanga (hauora tūmatanui) hōtaka rīanga, ranei
- whiwhi rīanga roto i to koutou mahi ki te awhina i to koutou kaituku mahi, ranei
- hoko inihua hauora koe.
- get covered through government (public health) insurance programs, or
- get insurance through your job with help from your employer, or
- buy health insurance yourself.
te riroraa hipoki Ko te taua rite te inihua. tikanga ratou e rua e tiakina koe i he ki te utu i ngā pire nui hauora.
Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.
ngā hōtaka inihua hauora Kāwanatanga
Government health insurance programs
He koe āhei?
Are you eligible?
te riroraa āhei hoki te tikanga o te tahi mea e taea e koe te tiki te tahi mea ranei taau mo te tahi mea. Ka whakatau te kāwanatanga, ki te he o koutou me to koutou utuafare āhei mō ngā hōtaka kāwanatanga. Ki te whakatau, ki te he āhei koe, titiro ratou ki te nui o te moni koutou hanga, pehea tamariki maha i koe, a me pehea koroheke e koe. Hauora mō manene, me rerenga kia cheap ranei free, mai kore e taea te hanga koe nui te moni i te tuatahi.
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.
Ko Medicaid he hōtaka inihua hauora tūmatanui rere e te kāwanatanga e ora koe i roto i. whakarato ana te hōtaka i te tauturu ki takitahi me te mau utuafare e te hunga iti-moni ranei i hauā. ka whiwhi ētahi hapu manene Medicaid ka ratou tuatahi tae i roto i te United States. Paearu mō te āheitanga rerekē i te kāwanatanga.
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.
Ki te ko koe iti-moni me te whai i te tamaiti, Ko te hōtaka pai tenei. Learn more about WIC and search for your state’s hōtaka 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.
inihua hauora tūmataiti
Private health insurance
E rave rahi Ameliká whai inihua hauora tūmataiti, me te kore e whakamahi i ngā hōtaka inihua hauora tūmatanui. Ko tenei no te mea maha utu kamupene mō te inihua hauora tūmataiti mo ratou kaimahi.
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.
inihua hauora wähi mahi
Workplace health insurance
A, no te titiro koe mo te mahi, kia tamata koe ki te kitea i te mahi e tuku inihua hauora. Te reira e tauturu i to outou utuafare. utu te nuinga o te utu te kaituku mahi, me te utu i te kaimahi i te nui iti. Hoki te nui anō, te tikanga e taea e ngā kaimahi te whiriwhiri ki ngā ratou tane te wahine ranei, me tetahi tama i ratou i runga i te mahere inihua taua.
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.
Ki te waiho e koe tou mahi, kia whakaaetia koe ki te pupuri i to koutou rohe inihua mo te ia, i roto i te neke mahere kāwanatanga huaina. Ko anake ahipi mo te wā poto, a kia whai koe ki te utu i te moni katoa koe, engari ka pupuri i reira taupokina koe i waenganui i ngā mahi..
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..
Te aufauraa i hoki inihua kahore te kaituku mahi
Paying for insurance without an employer
Ki te kore koe e whai i te kaituku mahi whakahere kapinga hauora, a ki te kahore e koe āhei hoki te hōtaka kāwanatanga, ka whai koe ki te hoko inihua hauora tūmataiti. Ka taea e kia utu tenei. kia waiho koe āhei mō te awhina ki o koutou utu i roto i te Ture utu Care.
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.
Te Ture utu Care
The Affordable Care Act
Te Ture utu Care (acá), ka karanga hoki “Obamacare,” titau te nuinga tangata US me noho ture ki te whai inihua hauora. Ko reira taea hoki ki a koutou te hoko inihua hauora mo te utu raro ki te tauturu i te kāwanatanga. 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.
mahere College inihua hauora
College medical insurance plans
E maha taea ki te hoko inihua hauora i roto i o ratou kareti ākonga. Hei kia āhei me whakauru koe i roto i te maha etahi o whiwhinga.
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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