在美国看病或去医院要花很多钱. 这就是为什么有健康保险是重要的原因. 了解不同类型的健康保险,以及如何获得健康保险.
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.
What is health insurance?
健康保险, 或医疗保险, 是你每个月付给保险公司的一笔钱. 保险的月度费用叫保险费.
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.
为移民提供的医疗保健与美国本土出生的美国人的医疗保健没有很大的区别。, 但有时它可能会混淆. 最简单的解释方法是当你有医疗费用时, 保险公司帮助支付他们. 医疗紧急情况或手术可能花费成千上万美元. 每月支付保险费比突然从医院拿到一大笔账单要好得多。. 在一般情况下, 对移民和难民的医疗保健与土生土长的美国人是一样的。. 医疗保险的差异是以年龄为基础的, 就业, 您当前有任何健康问题, 你赚了多少钱.
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.
How do I get health insurance?
In the United States, you can:
- 被政府覆盖 (公共卫生) 保险计划, 或
- 在雇主的帮助下通过你的工作获得保险, 或
- get covered through government (public health) insurance programs, or
- get insurance through your job with help from your employer, or
- buy health insurance yourself.
被 覆盖 与被 保险. 他们都意味着你被保护免付巨额医疗费.
Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.
Government health insurance programs
Are you eligible?
被 资格 某事意味着你能得到某物或资格为某事. 政府将决定你和你的家人是否有资格参加政府的计划。. 决定是否符合资格, 他们看你赚了多少钱, 你有多少个孩子, 你多大了. 移民和难民的医疗保健可能是廉价或免费的, 因为你可能不会赚很多钱在一开始.
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.
医疗补助是一个公共健康保险计划运行的国家, 你住在. 该计划为低收入或有残疾的个人和家庭提供帮助. 一些难民家庭将获得医疗补助, 当他们第一次到达美国. 资格标准因国家而异.
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.
如果你是低收入和有一个孩子, 这是一个很好的程序. 了解有关 WIC 和搜索您所在州 WIC 程序.
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
许多美国人有私人医疗保险, 不使用公共健康保险计划. 这是因为公司经常为他们的工人支付私人医疗保险。.
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
当你找工作的时候, 你应该设法找到一份提供健康保险的工作。. 这将帮助你的家人. 雇主支付大部分费用, 雇员支付少量. 额外的金额, 雇员通常可以选择包括他们的丈夫或妻子和他们在同一保险计划的任何孩子.
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.
如果你离开你的工作, 你可能会被允许保持你的保险覆盖一段时间, 通过一个叫眼镜蛇的政府计划. 眼镜蛇只在短时间内, 你可能要自己支付整个保费, 但它会让你在工作中被掩盖。.
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
如果你没有一个雇主提供健康保险, 如果你不符合政府计划, 你将不得不购买私人医疗保险. 这可能很贵. 您可能有资格获得帮助与您的保费通过支付得起的医疗法案.
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.
The Affordable Care Act
负担得起的保健法 》 (aca), 也叫 “奥巴马医改方案,” 要求大多数美国公民和合法居民有健康保险. 但它也允许你购买医疗保险的成本较低, 在政府的帮助下. 看看你能不能 根据《支付得起的医疗法》获得保险.
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
学生们通常能够通过他们的大学购买医疗保险。. 要有资格, 你必须登记在一定数量的学分.
Students are often able to purchase healthcare insurance through their colleges. To be eligible you must be enrolled in a certain number of credits.