How America's Health Care System Works
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Healthcare in the United States. it can be very expensive. A doctor's visit can cost hundreds of dollars, while a typical three-day hospital stay can cost tens of thousands of dollars (or more) depending on the type of treatment. When we get sick, most of us don't have to pay that much, mainly because we don't know when we'll get sick or injured or how much treatment we'll need. Health insurance offers the opportunity to reduce these costs to a more reasonable level.
In general, it works by having the consumer (you) pay the health insurer in advance, allowing you to share the "risk" with many others paying for similar policies (registrants). ). Insurance companies, as you might expect, study the risks carefully and try to get adequate insurance coverage to cover the insured's medical expenses. There are many different types of health insurance and many different laws and regulations regarding health care in the United States.
Below are three important questions to ask yourself when choosing the best health insurance for you.
Where can I get treatment?
One way health insurance companies can control their costs is to influence the availability of insurance. Doctors include doctors, hospitals, laboratories, pharmacies and others. Most insurers contract with specific Insurers who agree to provide insurance to the insured.
If there is no insurer in the plan's network, the insurer may not pay for the service or services provided, or may pay less than property maintenance. This means that a subscriber who leaves the network for maintenance will have to pay a larger share of the costs. This is important to remember, especially if you are not from the local Stanford community.
For example, if you have a plan through your employer and its network is in your hometown, you may not be able to get the care you need in the Stanford area, or it may cost you more to get it.
What does the plan include?
One thing about US health care reform (under the Affordable Care Act) is more standardized insurance benefits. Prior to such standards, regulatory benefits varied greatly. For example, some plans cover prescription drugs while others do not. In the United States, plans are now required to provide certain "essential health benefits," including
emergency departments
hospital treatment
Laboratory studies
for childbirth and newborn care
Mental health and addiction
Outpatient care (doctors and other service providers outside the hospital) .
Services for children, including dental and eye care
Prescription drugs
preventive services (such as certain vaccinations) and treatment of chronic diseases
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In our non-American international student body
How much is that?
Insurance costs are actually very difficult to determine. In our review, we talked about paying extra money to register a plan. These are advance payments that are clear to you (ie you know how much you will pay).
Unfortunately, these are not the only costs associated with the care received in most programs. Treatment often involves costs. Such payments are considered deductibles, co-insurance and/or co-payments (see definitions below) and out-of-pocket costs when administered. General rule of thumb
Important information and insurance information
- Out-of-pocket expenses: The term "copay" and/or "copay" refers to the portion of medical expenses you pay after you are covered. It was very happy. The monthly cost of treatment is different from these fees.
- Annual Deductible: The annual deductible is the amount you pay each year before the insurance company starts paying its share of the bill. If the deductible is $2,000, you pay the first $2,000 of health care each year, then the insurer starts paying.
- Copay (or "Copay"): A copay is the initial payment you make each time you obtain care when it is due. For example, a $30 deposit can be used for a doctor’s visit and the insurance company will pick up the rest. High-cost plans will be lower and more numerous. Insolvency plans often use other cost-sharing methods.
- Insurance Cost: Insurance cost is a percentage of medical costs. For an MRI that costs $1,000, you might pay 20 percent ($200). Your insurance company will pay the remaining 80 percent ($800). Plans with higher premiums usually have less coverage.
- Annual Amount: The amount is the amount of debt that you pay in a year. This is the sum of deductions, fees and deductions (excluding expenses). Once you reach that limit, the insurance company will collect 100 percent of your premiums for the remaining plan years. Most students don’t qualify, but that can happen if you have a serious or serious medical condition that requires expensive treatment. Plans with higher incomes will have lower limits.
- What it means to be a "benefit": The terms "benefit" and "coverage" are often used in the insurance industry, but they can be confusing. "Benefits" generally refers to health care services that are included (that is, "paid for") in the cost of health insurance. Order paid or paid by the patient. "Service" means that the insurance company determines a portion of the reasonable cost of health care. This does not mean that 100% of the work is covered.
- For example, plans that say "quick tracking" "paid" will likely be removed. A copay is an amount that is not paid by the patient. If the cost is $100, the patient pays the fee (usually during the procedure) and insurance "reimburses" the full cost of the emergency room.
In some cases, insurance companies pay nothing for "earned benefits." For example, if the patient’s annual deductible is less than $1,000 and the health care cost is $400, the patient pays $400 (typically including the service). The "sale price" referenced for this service is the fee included in the annual deductible, so the patient only has $600 to pay for future services before the insurance company starts paying for them.
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