How much is medical insurance in the USA in 2020?

Currently, medicine in the United States of America is one of the world’s leading and most expensive.

Even Americans have difficulty making medical insurance and medical care.

Only children under 19 can receive free medical services. To save on health services, many Americans go to Mexico.

Tourists who arrived in the United States without insurance, with a sudden illness and do not envy at all.

After tourist insurance for departure and visa, the our is obliged to get absolutely all medical services, whether it is advice to doctors, analyzes, medicine, hospitalization.

What is medical insurance?

Health insurance – This is a deal with an insurance company you have to pay some amount of this company every month. In the event of your illness, insurance company pays part of the costs of health services.

Health care in America actually costs quite expensive, therefore, the registration of insurance is required.

Who needs medical insurance?

To date, any legal representatives of the country, whether citizens of the United States of America, Refugees, Green Card Owners and T.D., must have health insurance.

This condition is not discussed and is part of the ACA Law.

If a resident of the United States does not have medical insurance, in addition to its own costs for medicine services, he will be forced to pay a penalty to the state.

How do medical insurance?

There are several ways to receive medical insurance:

  1. Insurance in full pays the state, In the event that a person is unemployed, poor or disabled;
  2. In the event that the employer does not pay for insurance, And the income is small, the state will pay part of the cost;
  3. If a person is working, then the employer must pay for medical insurance completely or partially;
  4. If a person works and the income is high enough, either medium, then he fully acquires insurance;
  5. If a person is more than 65 years old, then he gets funded insurance.

Tourist insurance in America

Will be better if you make insurance before traveling in my country.

By entering into a deal with the insurance company, it is important to make sure that this insurance company is accredited in the United States. And also has a suitable insurance program for America, and also has a service program in the US.

Suppose it will take advice from a specialist not an emergency nature.

Any visit to the US hospital is paid . Therefore, you should know in advance whether the selected medical insurance for travel will cover this cost.

Making the policy, you need to clarify what you are heading to America – just enjoy a beach holiday, or to engage in active recreation.

Insurance will be more expensive, but you will have the opportunity to add all the necessary circumstances in the treaty.

How much is medical insurance in the USA in 2020

Having an insurance policy, you can be sure that all costs of medical services are assigned to the insurance company.

An exception can be the acquisition of prescription medication. But spending your own funds and retaining the receipt, you can return money in your country.

Simply put, the insured person will protect himself from any extreme situation.

Types of medical insurance

Three most important types of insurance in the United States operate:

  1. HMO – this category of insurance in the US is the cheapest.
    In this case, to visit doctors and health buildings of one network. In addition, you will stop the choice on one doctor, writing in the subsequent directions to the rest of the doctors.
  2. PPO – this category of insurance implies treatment on the network and outside it.
    The network may have the most favorable conditions. When contacting specialists outside the network, any surcharge and conditions may not be equally beneficial for you. The direction to doctors from the therapist will not be required, the doctor will admit to receive and without its availability. Buy medical insurance in the United States of America this category will be released more expensive everyone else .
  3. EPO is the same insurance type as HMO.
    The only difference is the lack of a main doctor and the required directions to doctors.

Insurance plans and their cost

Five major insurance plans due to the height of the coverage of medical costs in percentage:

  • Platinum – 90% pays insurance;
  • GOLD – 80% pays insurance;
  • Silver – 70% pays insurance;
  • Bronze – 60% pays insurance.

You can issue medical insurance for arrival in the USA. For such a case, there are many special firms. However, such insurance will be more expensive than the one that can be issued in his country.

We must consider that Insurance plans are distinguished by abundance of important factors:

  1. Co-Pay – the established amount paid for by you for any health care service, and the insurance company pays the rest of the amount
  2. Deductible – Funds that need to spend before the start of insurance coverage
  3. Co-Insurance – Some percentage you pay, all the rest of the insurance company.
  4. Out-of-Pocket Maximum – Limit amount, spending, you will begin to take one hundred percent compensation from the insurance company.

Cost of medical insurance for departure in the USA

How much insurance will cost depends on your region, income, as well as a searchable planted for you.

Suppose the insurance price of the HMO category per person will be More than 160 dollars With minimal insurance.

I recommend to calculate and see the cost of inexpensive insurance in the US online in the window below through the famous Cherehapa insurance aggregator.

Cost of medical services in the USA

Cost of medical services in the USA:

  1. Visiting a specialist – from 200 to $ 600 ;
  2. Blood test – from 300 to 7,000 $ ;
  3. Ordinary seal – from $ 200 ;
  4. Ultrasound kidneys – from $ 350 ;
  5. Visit Ambulance 911 – from 900 $ .

Christina Endless

The author of the article, this blog. Traveling independently 8 years. Visited 32 countries. The author of video courses on the organization of profitable travel.

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