How Much Health Insurance Work”s In America | Medical Insurance For International Students How To Get It

How Much Health Insurance Work”s In America | Medical Insurance For International Students How To Get It

hey my dear friends welcome to China coaching Rob here with my friend Leche does one happen to possess tons of questions on insurance in America especially for college kids to stay tuned alright guys I’m with my friend last year and he’s gonna talk tons about health medical insurance for international studentshi there’s tons of misunderstandings tons of problems that folks face so we’re gonna attempt to resolve all those doubts that you simply guys have today mm-hmm if you’re new China coaching we love helping international students achieve success in America

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here so please subscribe hit that Bell icon so you get notified on more great content that’s gonna come your way and connect with us online with other social media platforms so we will help one another out no ash why is it important for us to speak about insurance so let’s mention insurance one among the important topics got to be talked but it’s not talked and tons of international students don’t have much information thereon it’s only you hit some injury otherwise you need to visit all a doctor then you get an enormous belly from your doctor then you realize okay that’s important topic why the insurance is vital within the u.s. it doesn’t work like your kind home country maybe in India the medical system is basically too different in u.s. medical costs are really really high what are How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

you expensive way too expensive so I can give an example say you’ve got to go to say a pie expert in India during a decent Hospital the consultation cost are going to be around 300 to 600 rupees in u.s. if you’ve got to go to our expert very first thing is you don’t get a meeting like immediately tomorrow you’ve got to attend some days because doctors are less population is higher second thing the consultation charge are going to be somewhere around $300 to $600 counting on that doctor so you’ll do the maths just to ascertain your ophthalmologist for alittle thing for your eye you’ve got to pay say $300 and $300 will cover your rent for one month so that’s the manse so it’s vital for each student coming in us to understand about u.s. medical system and therefore the insurance and everybody has got to have it here it’s to possess so something really important it’s not such as you can just go disburse of pocket alright we’re in other tons of other countries on the planet it’s either free or very afford it’s not like that in America tons of things about insurance or mandatory either by the university or by the govt and that’s always changing yeah which is even harder to follow but even the universities have regulations and with insurance for college kids yeah How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

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let’s despite the differences within the importance of insurance what are maybe a number of the mistakes that students make here with the health or medical insurance lot of universities it’s compulsory to possess their insurance on the other hand universities are allowed waiver if you’ve got another insurance okay so there are tons of cheap insurance which basically charge you very less premium there’s sold by tons of vendors lot of internet sites tons of companies on the other hand people don’t a student don’t go and see their benefits they don’t compare the plans they only see okay my University insurance cost me $2,000 a year and a few XYZ insurance cost me just $400 a year so okay let’s go I’ll choose the $400 insurance on the other hand how less premium you’ve got less benefits there are not any conditions and no-one can sense that another thing is it’s not that you simply meet an accident deal right so you don’t need a insurance deal it’s going to happen just one occasion and you ought to be able to cover your risk and that’s what you buy that covering the danger okay so if you hit the accident and you don’t have good insurance otherwise you don’t have any insurance within the least you gonna get like robbed by that hospital or not that’s needless to say and in the u.s. I didn’t find much government hospitals or government help hospitals How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

where albeit you’re dying you get all the service for free of charge it happens in India have gotten “> you’ve got a really cheap government hospital and that they pay they provide you the decent services and you pay very less but that doesn’t happen within the US no ash does one have any examples or crazy stories of how people have faced this insurance issues with sickness or injuries or i do know you’ve probably got many order a few help people understand so I even have one one joke it’s not funny for that guy who paid like five thousand dollars so one among her friends of my friend hehe had a teeth injury or i assume it had been a DK okay and he didn’t have a dental insurance people suggested him you recognize take every week off Bubu India he was a offseason so you’d have got a really cheap ticket then catch on treated so he didn’t do this he just postponed it given by the dental insurance okay so afterward his DK become worsen and he wasn’t ready to bear the pain so he had to travel to the dental hospital to urge his tooth removed surgically and it cost him around i assume the entire treatment along side a tooth extraction on the medicines and everything it cost him around $4,500 Wow and eventually we are saying you’ll replace your whole jaw in India thereupon amount and that’s true so How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

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he didn’t have insurance and he paid that much price so is there anything that folks should consider doing before they are available fahan study in terms of health and medical knowing economize North America during a ll|one amongst|one in every of”> one among the important thing is went from India confirm you’re doing your all health check-ups if you’ve got any previous conditions if you’ve got any ongoing conditions you identify them in India so your Indian doctor are you able to know suggest your treatment plan you ought to remember of that consider such as you don’t know that you simply r blood glucose is high and you come to us and suddenly with a biopsy you realize your blood glucose is high you’re during a shock we are during a different country on a decent budget then you are in a shop so important thing is getting your all the hands our cups wiped out India getting your dental checkups wiped out India any treatment any procedure you’ve got to try to to on yourself on your dental things confirm you are doing it in India so this manner you’ll save money second thing is you recognize that you know your health very pan so if you would like any medicines especially a prescription medicines or over-the-counter medicines no celebrities windows – How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

best insurance plan within the USA

the good question again so prescription medicines are basically those which can’t be sold you without a prescription of doctor and in India tons 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’ll got to have a prescription and to urge a prescription you’ve got to go to a doctor and you’ve got to require more concerning charge so and another thing over-the-counter medicines are those which don’t need any prescription you’ll pip out during a small pharmacy or grocery maybe yeah so this is often the difference so confirm whatever over-the-counter or prescription medicines you would like you get them from India and along side those medicines you ought to have the newest prescription coffee from your doctor so if you get stopped at the airport you’ll show that to the authorities saying you recognize these are your regular medicines you would like them and that they will allow you to hold unless those are banned in doing so you’ve got to try to to that study also few medicines could also be available in your home country but they’ll be banned in u.s. you can’t take them in so these are the ideas a bit like you are doing before coming

here what are a number of the key terms or words or terminology that are utilized in the insurance herein America that students got to learn and what they mean in order that some different key terms and terminology utilized in the US insurance system and you would like to understand them and their meaning before you compare the plans and you opt which insurance you would like to require so very first thing is small people think such as you might imagine such as you buy the insurance and you get the insurance you don’t need to pay one 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 albeit you’re having sort of a high paying plan so deductible is that quantity you’ve got to pay to your doctor before your insurance cover gets kicked in so say your university plan have a deductible of $300 and you happen to go to a doctor and he charges you 100 dollars insurance isn’t gonna pay one dime for that unless you’re $300 spending is completed within that period in order that first term second term is lifetime or the ele maximum limit lot of insurance How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

they have or upper limit on the utmost limit that insurance pays and tons of excellent insurance provider they need no limit so it depends on your need and your requirement third thing is that the copay so lot of your time it happens that once you visit a doctor your frequent visits otherwise you visit a primary provider or a specialist you’ve got to pay specific amount along side the quantity of insurance for a P so say I visit a specialist I even have to pay $40 as a coupe it that quantity depends on an idea then remaining consultation charge or amount are going to be paid by your insurance thereto particular provider one among the again important things is premium so what proportion premium you pay whether that premium is paid monthly or yearly there could be a reduction once you paid one-time yearly that’s a crucial factor to see when nothing is out-of-pocket expenses so lot of excellent insurance will have a upper limit on out-of-pocket expenses so what’s out-of-pocket expenses say I visit a doctor a number of my bill is

not covered by insurance then I play that out of my pocket as cash in order that is taken into account out of pocket so say I mean an enormous recovery or I mean an enormous hospital and tons of things I even have to disburse of my pocket so my insurance me how out of pocket limit of $5,000 if I cross that limit nothing How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA

Best insurance plan in America

which is from that bill will need to pay it by me and everything getting to be|are”> are going to be covered by my insurance this is often one among the important things if you’re facing some critical health conditions so these are few important terms you ought to understand before you compare the insurance benefits on the corporate and I’ve heard tons of bad stories about my student friends who had sickness health problems injuries but didn’t get them treated directly because they were frightened of the value yeah they didn’t skills the insurance would work and that they didn’t get quick treatment and things got worse otherwise you know so yeah it’s so important to understand this stuff yeah know what your options are know what ready to “> you’ll do so you’re not scared yeah that’s the most important thing is you don’t need to be scared and you ought to be able to lookout of yourself and be healthy that you’re studying and dealing here in America if prints thanks for joining us during this video being smallish hope you learned such a lot about how insurance works really navigate this complicated thing it’s need to make certain all the questions advice please make certain to observe our second video about what to try to to and the way to organize to understand about your insurance before going to the doctor and the way somehow to save lots of money and reduce the value of insurance expenses here in America so make certain to observe that second video with unlatched on insurance and better of luck we would like to ascertain you guys succeed here in America thanks such a lot for joining us in shine coaching Cheers friends How insurance Works In America | Medical Insurance For International Students Best Insurance within the USA