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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