Health insurance in the USA
Going to the doctor or hospital can cost a lot of money in the USA. u sog'liqni saqlash sug'urtasi bo'lishi muhim ahamiyatga ega nega bu. 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.
sog'liqni saqlash sug'urtasi nima?
What is health insurance?
Tibbiy sug'urta, yoki tibbiy sug'urta, Agar sug'urta kompaniyasi uchun har oy pul miqdori to'lash bo'ladi. sug'urta oylik qiymati Premium deb ataladi.
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, sug'urta kompaniyasi, ularni to'lash yordam beradi. A tibbiy favqulodda yoki jarrohlik dollar minglab mol bo'lishi mumkin. to'satdan kasalxonaga bir katta loyihani olish ko'ra, har oyda oshdi to'lash uchun yaxshidir. Umuman, healthcare for immigrants and refugees is the same as for native-born Americans. The differences in health insurance are based on age, bandlik, 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.
Men sog'liqni saqlash sug'urtasi olish qanday?
How do I get health insurance?
Amerika Qo'shma Shtatlarida, Siz .. qila olasiz; siz ... mumkin:
In the United States, you can:
- hukumat bilan qoplangan bo'lsin (sog'liqni saqlash) sug'urta dasturlari, yoki
- Ish yordamida siz ish orqali sug'urta olish, yoki
- sog'liqni saqlash sug'urtasi o'zingizni sotib.
- get covered through government (public health) insurance programs, or
- get insurance through your job with help from your employer, or
- buy health insurance yourself.
Bo'lish qoplangan deb bir xil bo'ladi sug'urta. Ular har ikki katta tibbiy Xarajatlarni to'lash kerak himoyalangan degani.
Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.
Hukumat tibbiy sug'urta dasturlari
Government health insurance programs
Agar huquqiga ega?
Are you eligible?
Bo'lish loyiq bir narsa degan ma'noni anglatadi uchun biror narsa olish yoki biror narsa uchun haq mumkin. siz va oila, davlat dasturlari uchun ma'qul bo'lsa, hukumat qaror qabul qiladi. Agar ma'qul bo'lsa, qaror qabul qilish, Ular siz qancha pul nazar, qancha bola siz bor, va qanday eski siz. 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.
Tibbiy siz yashayotgan davlat tomonidan ishlatish, bir sog'liqni saqlash sug'urtasi dasturi. Dastur kam ta'minlangan yoki nogironlar bor shaxslar va oilalarga yordam beradi. Ular birinchi Amerika Qo'shma Shtatlarida kelganda Ba'zi qochqinlar oilalar Medicaid oladi. muvofiqligi uchun mezonlari davlat tomonidan farq.
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.
Agar past daromad va chaqaloqni bo'lsa, bu yaxshi dastur. Learn more about WIC and search for your state’s WIC dasturi.
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.
Xususiy tibbiy sug'urta
Private health insurance
Ko'plab amerikaliklar maxsus tibbiy sug'urtasi bor va sog'liqni saqlash sug'urta dasturlarini ishlatish emas. kompaniyalari ko'pincha ularning ishchilar uchun maxsus tibbiy sug'urta uchun to'lash, chunki, bu.
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.
Ish joyini tibbiy sug'urta
Workplace health insurance
Siz ish qaraganimda, Agar sog'liqni sug'urta taklif ish topishga harakat qilish kerak. Bu sizning oila yordam beradi. Ish beruvchi qiymati eng to'laydi va xizmatchi bir oz miqdorda to'laydi. qo'shimcha miqdori uchun, xodimlari, odatda, ular bir xil sug'urta rejasi ustida bo'lishi, ularning eri yoki xotini va har qanday farzand o'z ichiga mumkin.
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.
Agar ish qo'ysangiz, Agar vaqt uchun sug'urta qamrovini saqlab qolish uchun ruxsat berilishi mumkin, hukumat rejasi deb ataladi Shov orqali. Shov qisqa muddatga faqat, va butun Premium o'zingizni pul to'lashi mumkin, lekin u siz ish o'rinlari o'rtasidagi qoplangan davom etadi..
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..
Ish beruvchining holda sug'urta uchun to'lash
Paying for insurance without an employer
Agar sog'liqni qamrovini taklif bir ish beruvchi bo'lmasa, va siz bir hukumat dasturiga muvofiq emas bo'lsa,, Agar xususiy sog'liqni saqlash sug'urtasi sotib olish kerak bo'ladi. Bu qimmat bo'lishi mumkin. Siz Affordable Xizmat Act orqali mukofotlari bilan yordam uchun ma'qul bo'lishi mumkin.
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.
Affordable Xizmat Act
The Affordable Care Act
Affordable Xizmat Act (ACA), deb ham ataladi “Fikricha,” Eng AQSh fuqarolari va tibbiy sug'urtaga ega huquqiy aholisi talab. Lekin u ham siz hukumati yordami bilan bir kam xarajat uchun sog'liqni saqlash sug'urtasi sotib olish imkonini beradi. 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.
Kolleji tibbiy sug'urta rejalari
College medical insurance plans
O'quvchilar ko'pincha ularning kollejlari orqali sog'liqni saqlash sug'urtasi sotib olish imkoniyatiga ega. huquqiga ega bo'lishi uchun kreditlar ma'lum bir miqdordagi tahsil kerak.
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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