Health insurance in the USA

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Going to the doctor or hospital can cost a lot of money in the USA. Zato je važno imati zdravstveno osiguranje. 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.

Zdravstveno osiguranje za izbeglice

Health insurance for refugees

Šta je zdravstveno osiguranje?

What is health insurance?

Zdravstveno osiguranje, ili zdravstveno osiguranje, je iznos novca koji ste platili svaki mesec da osiguravajuće društvo. Mesečni Trošak osiguranja se zove premije.

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.

Zdravstvenu zaštitu za imigrante nije razlikovao od zdravstvenu zaštitu za native-born Amerikanci, Ali ponekad može biti zbunjujuće. Najjednostavniji način da se to objasni je to kada imate medicinske troškove, Osiguravajuća kompanija pomaže da im platim. Hitan ili operacija može koštati mnogo tisuća dolara. Bolje je da plati polog svakog meseca nego da odjednom se ogroman račun iz bolnice. Generalno, zdravstvenu zaštitu za imigranata i izbeglica je isti kao za native-born Amerikanci. Razlike u zdravstveno osiguranje zasnivaju se na starost, zapošljavanje, neki zdravstveni problem koji trenutno imate., i koliko si zaradio.

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.

Kako da dobijem zdravstveno osiguranje?

How do I get health insurance?

U Sjedinjenim Državama, možeš:

In the United States, you can:

  • biti prekriveni kroz vladu (javno zdravlje) programa osiguranja, ili
  • osiguranje kroz svoj posao uz pomoć vašeg poslodavca, ili
  • Kupi zdravstveno osiguranje.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Biti pokriveni isto kao i kad je osigurana. Oboje misle da ste zaštićeni od potrebe da platite veliki lecenja..

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

Vladine programe zdravstvenog osiguranja

Government health insurance programs

Jesi li podoban?

Are you eligible?

Biti ima pravo jer nešto znači, možete li nešto ili da se kvalifikuje za nešto. Vlada će odlučiti da ako ti i tvoja porodica su podobni za vladine programe. Da odluči da li prihvatljivi ste, gledaju koliko novca ti napraviti, Koliko dece imate, i koliko si star. Zdravstvenu zaštitu za imigrante i izbeglice može biti jeftina ili besplatna, Otkad ti možda ne ispadne puno novca u početku.

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.

Prva pomoć

Medicaid

Prva pomoć je javno zdravstvo osiguranja program koji je pokrenut od strane države živiš u. Program pruža pomoć pojedincima i porodicama koje su sa niskim primanjima ili imaju invaliditetom. Neke porodice izbeglica će dobiti kartice kada prvi put dođu u Sjedinjenim Državama. Kriterijume za podobnost variraju od strane države.

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.

Crveni krst

Medicare

Crveni krst je javno zdravstvo osiguranja program koji je pokrenut od strane AMERIČKE vlade. Crveni krst je dostupna za sve odrasle osobe uzrasta 65 i stariji i onemogućenih građanima svih uzrasta. Crveni krst nudi plan da pomogne sa troškovima prepisanih lekova. 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.

ČIP

CHIP

Dečiji Program zdravstvenog osiguranja (ČIP) plaća za zdravstvenu zaštitu za nizak- sredoveиnih porodicama kad su deca. CHIP je dobar program, zato što se isplati za tvoju decu zakazane obaveze doktore i medicinsku negu. To je važno za izbegličke porodice da svoju decu odvedu kod doktora za godišnji pregledi i imunizacija. 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

Žene, Novorođenčadi, i deca (WIC) Država od strane državne uspeli zdravstveni program koji konkretno pomaže dece mlađe od pet godina starosti, trudnice, i dojenje majkama. Program se fokusira na ishranu, zalihe hrane, i poboljšanje pristup uslugama zdravstvenog i socijalnog staranja.

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.

Ako ste sa niskim primanjima i bebu, Ovo je dobar 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.

Privatno zdravstveno osiguranje

Private health insurance

Mnogi Amerikanci imaju privatno zdravstveno osiguranje i ne koriste programa osiguranja javnog zdravstva. To je zato što preduzeća često plaćaju za privatno zdravstveno osiguranje za svoje radnike.

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.

Zdravstveno osiguranje na radnom mestu

Workplace health insurance

Kad te vidi za posao, Probaj da nađeš posao koji nudi zdravstveno osiguranje. Ovo će pomoći tvojoj porodici. Poslodavac plaća najveći deo troška, a Zaposleni plaća mala količina. Za dodatni iznos, zaposleni obično možete odabrati da uključite njihov muž ili žena i dece imaju isti plan osiguranja.

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.

Ako ostavite svoj posao, ti je dozvoljeno da nastavi svoje pokrića na kratko, kroz plan vlade naziva Kobra. Kobra je samo za kratak period, i možda ćete morati da plati sve premium sebe, Ali mundir je pokriven između poslova..

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..

Plaća za osiguranje bez poslodavca

Paying for insurance without an employer

Ako nemate poslodavac nudi zdravstveno osiguranje, i ako niste podobni za program vlade, Morate kupiti privatno zdravstveno osiguranje. Ovo može da bude skupo. Možete da dobijete pomoć sa svoje premije kroz na pristupačnu, prema.

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.

Akt pristupačne negu

The Affordable Care Act

Akt pristupačne negu (ACA), naziva se i “Koja gomila,” zahtijeva Većina američkih državljana i pravnih stanovnici imati zdravstveno osiguranje. Ali takođe omogućava vam da kupite zdravstveno osiguranje za niži trošak uz pomoć od vlade. 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.

Medicinski fakultet osiguranja planovi

College medical insurance plans

Studenti su često moći da kupe zdravstvenog osiguranja preko svojih fakulteta. Da bi bila podobna mora biti zapisan u određeni broj kredita.

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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