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How does international health insurance work?

Welcome to Insurance Guide today I will gave you answer of you have a lot of questions about health insurance in America especially for students stay tuned all right guys I'm with my friend last year and he's going to talk a lot about health medical insurance for international students there's a lot of misunderstandings a lot of problems that people face so we're going to try and resolve all those doubts that you guys have today, if you're new to Insurance Guide we love helping international

Students be successful in America we want to cross and bridge cultures here so please subscribe our blog for get more notified on more great content that's going to come your way and connect with us online with other social media platforms so we can help each other out why is it important for us to talk about health insurance so let's talk when you hit some injury or you have to visit all a doctor and then you get a big belly from your doctor then you realize okay that's important topic why the health insurance is important in the USA. it doesn't work like your kind home country maybe in worldwide the medical system is really too different in USA. medical costs are really high what are your expensive way too expensive so I can give an example say you have to visit say a pie expert in worldwide in a decent Hospital the consultation cost will be around to rupees in USA. if you have to visit our expert first thing is you don't get an appointment like immediately tomorrow Health insurance USA

you have to wait some days because doctors are less population is higher second thing the consultation charge will be somewhere around $ to $ depending on that doctor so you can do the math just to see your eye doctor for a small thing for your eye you have to pay say $ and $ will cover your rent for one month so that's the manse so it's very important for every student coming in us to know about USA. medical system and the health insurance and everyone has to have it here it has to have so something really important it's not like you can just go pay out of pocket all right we're in other a lot of other countries on the world it's either free or very afford it's not like that in America a lot of things about insurance or mandatory either by the university or by the government and that's always changing yeah which is even harder to follow but even the colleges have regulations and with health insurance for students yeah let's despite the differences in the importance of health insurance what are maybe some of the mistakes that students make here with the health or medical insurance lot of universities it's compulsory to have their insurance but then universities are allowed waiver if you have some other insurance okay so there are a lot of cheap insurance which basically charge you very less premium there's sold by a lot of vendors lot of websites a lot of companies but then people don't a student don't go and see their benefits they don't compare the plans they just see okay my University insurance cost me $, a year and some XYZ insurance cost me just $ a year so okay let's go I'll go for the $ insurance but then how less premium you have less benefits there are no conditions and nobody can sense that another thing is it's not that you meet an accident deal right so you don't need insurance deal it may happen only once and you should be ready to cover your risk and that's what you pay for that covering the risk okay so if you hit the accident and you don't have a good insurance or you don't have any insurance at all you going to get like robbed by that hospital or not that's for sure and in the USA. I didn't find much government hospitals or

government help hospitals where even if you are dying you get all the service for free it happens in worldwide you have a very cheap government hospital and they pay they give you the decent services and you pay very less but that doesn't happen in the US no ash do you have any examples or crazy stories of how people have faced this health insurance issues with sickness or injuries or I know you've probably got many order a couple help people understand so I have one  funny story it's not funny for that guy who paid like five thousand dollars so one of her friends of my friend he had a teeth injury or I guess it was a DK okay and he didn't have a dental insurance people suggested him you know take a week off worldwide he was a off season so you would have got a very cheap ticket and then get it treated so he didn't do that he just postponed it given by the dental insurance okay so later on his DK become worsen and he was not able to bear the pain so he had to go to the dental hospital to get his tooth removed surgically and it cost him around I guess the whole treatment along with a tooth extraction on the medicines and everything it cost him around $, Wow and finally we say you can replace your whole jaw in worldwide with that amount and that's true so he didn't have insurance and he paid that much price so is there anything that people should consider doing before they come  study in terms of health and medical wise to save money North America one of the important thing is went from worldwide make sure you do your all health check-ups if you h
ave any previous conditions if you have any ongoing conditions you identify them in worldwide so your worldwide doctor can you know suggest your treatment plan you should be aware of that consider like you don't know that your blood sugar is high and you come to us and suddenly with a blood test you realize your blood sugar is high you are in a shock we are in a different country on a tight budget and then you are in a shop so important thing is getting your all the hands our cups done in worldwide getting your dental checkups done in worldwide any treatment any procedure you have to do on yourself on your dental things make sure you do it in worldwide so this way you can save some money second thing is you know that you know your health very pan so if you need any medicines especially a prescription medicines or over-the-counter medicines no celebrities windows - the good question again so prescription medicines are basically those which cannot be sold you without a prescription of doctor and in worldwide a lot of chemists they sell it without the prescription but it never happens in your side brain it's very structure very strict here so you will need to have a prescription and to get a prescription you have to visit a doctor and you have to take more concerning charge so and another thing over-the-counter medicines are those which do not need any prescription you can buy it in a small pharmacy or grocery store maybe yeah so this is the difference so make sure whatever over-the-counter or prescription medicines you want you get them from worldwide and along with those medicines you should have a latest prescription coffee from your doctor so if you get stopped at airport you can show that to the authorities saying you know these are your regular medicines you need them and they will allow you to carry unless those are banned in doing so you have to do that study as well couple of medicines may be available in your home country but they may be banned in USA. you can't take them in so these are the tips just like you do before coming here what are some of the key terms or words or terminology that are used in the health insurance here in America that students need to learn and what they mean so that some different key terms and terminology used in USA. you want to take so first thing is little people think like you may think like you pay for the insurance and you get the insurance you don't have to pay a single rupee to your doctor or single dollar to a doctor that doesn't happen it's not free yeah so we don't have everything free even if you are having like a high paying plan so deductible is that amount you have to pay to your doctor before your insurance cover gets kicked in so say your university plan have a deductible of $ and you happen to visit a doctor and he charges you hundred dollars insurance is not going to pay a single dime for that unless you're $ spending is completed within that period so that first term second term is lifetime or the maximum limit lot of insurance they have or upper limit on the maximum limit that insurance can pay and lot of good insurance provider they have no limit so it depends on your need and you requirement third thing is the copay so lot of time it happens that when you visit a doctor your frequent visits or you visit a primary provider or a specialist you have to pay certain amount along with the amount of insurance for a P so say I visit a specialist I have to pay $ as a coupe it that amount depends on a plan and then remaining consultation charge or amount will be paid by your insurance to that particular provider one of the again important things is premium so how much premium you pay whether that premium is paid monthly or yearly there might be a discount when you paid one-time yearly that's important factor to check when nothing is out-of-pocket expenses so lot of good insurance will have a upper limit on out-of-pocket expenses so what is out-of-pocket expenses say I visit a doctor some of my bill is not covered by insurance and then I play that out of my pocket as cash so that is considered out of pocket so say I mean a big recovery or I mean a big hospital and lot of things I have to pay out of my pocket so my insurance me how out of pocket limit of $, if I cross that limit nothing which is from that bill will have to pay it by me and everything will be covered by my insurance this is one of the important things if you are facing some critical health conditions so these are few important terms you should understand before you compare the insurance benefits on the company and I've heard a lot of bad stories of my student friends who had sickness health problems injuries but didn't get them treated right away because they were scared of the cost yeah they didn't know how the insurance would work and they didn't get quick treatment and things got worse or you know so yeah it's so important to know these things yeah know what your options are know what you can do so you're not scared yeah that's the biggest thing is you don't have to be scared and you should be able to take care of yourself and be healthy that you're studying and working here in America if prints thanks for joining us in this article being mallet hope you learned so much about how health insurance works really navigate this complicated what to do and how to prepare to know about your health insurance before going to the doctor and how some how to save money and reduce the cost of health insurance expenses here in America so be sure to watch that second article with unlatched on health insurance.

 

 

 

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