Zdravotné poistenie

Angličtina tiežAnglicky

Chystáte sa k lekárovi alebo nemocnici môže stáť veľa peňazí v USA. To je dôvod, prečo je dôležité mať zdravotné poistenie. Dozvedieť sa o rôzne druhy zdravotného poistenia a ako môžete získať zdravotné poistenie.

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.

Zdravotné poistenie pre utečencov

Health insurance for refugees

Čo je zdravotné poistenie?

What is health insurance?

Zdravotné poistenie, alebo zdravotné poistenie, je množstvo peňazí, ktoré zaplatíte každý mesiac poisťovni. Mesačné náklady na poistenie sa nazýva prémia.

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.

Zdravotná starostlivosť pre prisťahovalcov sa veľmi nelíši od zdravotnej starostlivosti pre domorodcov-narodený Američania, ale niekedy to môže byť mätúce. Najjednoduchší spôsob, ako vysvetliť, že keď máte zdravotné náklady, poisťovňa pomáha im zaplatiť. Lekárske núdze alebo chirurgia môže stáť veľa tisíc dolárov. Je lepšie platiť prémie každý mesiac, ako náhle získať obrovský účet z nemocnice. Vo všeobecnosti, zdravotná starostlivosť pre prisťahovalcov a utečencov je rovnaká ako u rodených Američanov. Rozdiely v zdravotnom poistení sú založené na veku, zamestnanosť, akékoľvek zdravotné problémy, ktoré máte v súčasnosti, a koľko peňazí urobíte.

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.

Ako získam zdravotné poistenie?

How do I get health insurance?

V Spojených štátoch, môžeš:

In the United States, you can:

  • dostať pokryté vládou (verejné zdravie) poistné programy, alebo
  • Získajte poistenie prostredníctvom svojej práce s pomocou svojho zamestnávateľa, alebo
  • kúpiť zdravotné poistenie sami.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Sa Vzťahuje je rovnaká ako Poistený. Obaja znamenajú, že ste chránení pred museli platiť veľké lekárske poukážky.

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

Vládne programy zdravotného poistenia

Government health insurance programs

Máte nárok?

Are you eligible?

Sa oprávnené pre niečo znamená, môžete získať niečo, alebo nárok na niečo. Vláda sa rozhodne, či vaša a vaša rodina sú oprávnené na vládne programy. Rozhodnúť, či máte nárok, Pozrite sa, koľko peňazí urobíte, koľko detí máte, a ako staré ste. Zdravotná starostlivosť pre prisťahovalcov a utečencov môže byť lacná alebo bezplatná, Vzhľadom k tomu, nesmiete robiť veľa peňazí na prvý.

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 je verejné zdravotné poistenie program prevádzkovaný štátom žijete v. Program poskytuje pomoc jednotlivcom a rodinám, ktoré sú low-príjmy alebo majú zdravotné postihnutie. Niektoré utečenecké rodiny dostanú Medicaid, keď sa prvýkrát dorazí v Spojených štátoch. Kritériá oprávnenosti sa líšia podľa štátu.

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 je verejné zdravotné poistenie program prevádzkovaný vládou USA. Medicare je k dispozícii pre všetkých dospelých vek 65 a starší a zdravotne postihnutým občanom všetkých vekových kategórií. Medicare ponúka plán na pomoc s nákladmi na lieky na predpis. Prečítajte si viac o 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.

ČIP

CHIP

Program zdravotné poistenie pre deti (ČIP) platí za zdravotnú starostlivosť pre nízke- pre rodiny so stredným príjmom s malými deťmi. CHIP je dobrý program, pretože sa oplatí pre vaše deti lekár stretnutia a lekárskej starostlivosti. 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

Ženy, Dojčatá, and Children (WIC) is a state-by-state managed healthcare program that specifically helps children younger than five years of age, tehotné ženy, a dojčiace matky. Program sa zameriava na výživu, zásobovanie potravinami, a zlepšenie prístupu k zdravotnej starostlivosti a sociálne služby.

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.

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.

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

Kedy si hľadať prácu, 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.

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.

Ak necháte svoju prácu, 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.

Zákon o dostupnú starostlivosť

The Affordable Care Act

Zákon o dostupnú starostlivosť (ACA), also called “ObamaCare,” vyžaduje väčšina amerických občanov a právne obyvatelia majú zdravotné poistenie. 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.

zistiť viac

Learn more

Nájsť pomoc u vás

Použite FindHello na vyhľadanie služieb a zdrojov vo vašom meste.

Začať vyhľadávanie
Urobil Táto stránka pomôže? Usmiata tvár áno Mračiť tvár nie
Ďakujeme vám za vašu spätnú väzbu!