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International Healthcare in USA

 

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Healthcare in America

50 states and one federal district combine to make up the United States of America. The country sits on top of North America continent, splitting the Pacific Ocean from the Atlantic Ocean. The United States of America's capital is Washington D.C. and it has Mexico as neighbor on the south and Canada is its northern neighbor. Its territory is not restricted to just the North American continent; it has 14 insular territories spanning from the Pacific right through to the Caribbean.

 Understanding Healthcare in the USA

 Different from their Western Europe counterparts, there is no real one common universal healthcare system, despite America being the biggest economy in the world. In place of a universal system, what America has is a variety of healthcare systems designed on individuals’ needs. The country is blessed a huge pool of qualified medical practitioners, across every state in America, thus making ubiquitous healthcare service possible. Each individual in USA is responsible for finding his or her own physician. The approach is straightforward enough: either from the phone book or through words of mouth. Even if one has identified the appropriate doctor, a further check is necessary to see if potential doctor is willing to accept new patient as most work with tight calendar. local legislations requires all patients to be upfront with their pre-existing conditions, so do expect some form filling or you may simply want to get a copy of your health history from your previous doctor. You would want to treat this diligently as you want to make sure your next doctor is being kept up-to-date about your current overall well being.

 Emergencies in the USA

 Whenever faced with any sort of emergency situation, you could count on 911 to the rescue in America. Ring 911 when you could not make it to hospital on your own, or you may have so peculiar situations that you would need help. Operators manning the line are real pro and if medical aid is urgently required, you can trust them to make appropriate arrangement so that competent personnel would come to your rescue in time to help you deal with the situation, including transportation to the nearest ER. Even if you can still make it to the hospital on your own, a call to the concerned hospital in advance would be helpful for them to get sufficiently ready. If there is only one number to remember while you are in America, 911 is the number! If your immediately priority is not to get to the hospital, contact your doctor directly should you need emergency medical treatment.

Making Payment for Your Medical Treatment

 In a country where there is no one universal healthcare system, it is only natural for patients to be expected to deal with many independent systems. Medicaid is the primary system here, primarily intended for the disabled and the elderly. Any US resident with previous work records can look to Medicaid coverage. In the same way, there is also the State Children's Health Insurance Program, which helps low income households by proving coverage to the kids, and there are some more programs that deal specifically with the veterans’ health administration and tri-care.

 Treat your insurance card as your business card. Regardless of where you go, chances are that you need show some proof of insurance cover before the hospital even want to register you. Insurance coverage is almost a must in America unless you want to fund your medical treatments out-of-pocket.

 Still one has to go through due diligence before one can qualify for health insurance in the United States (editor's note: forget about the usual myth, one does not have to be a citizen or a permanent resident with minimum stay period, like 5 years, in America in order to qualify). A summary of useful information involving the qualification process is re-reproduced here for your enlightenment.

 "Who qualifies for Medicare?"

 Without any exception, all residents (that cover both citizens and permanent residents) who is 65 and above qualifies for Part A Medicare if any of the following description could be applicable:

  • entitlement to Social Security benefits
  • entitlement to Railroad Retirement benefits
  • former government employee who has served the minimum number of years and during this period, the subject has contributed to the Medicare
  • spouse (living, divorced, or ill) of any of the above

 For those who fit the age bracket but do not qualify for Medicare has the option to start paying to Medicare in exchange for the corresponding benefits.

 The Medicare system also has a built-in provision which allows people under 65 to enroll for the program at an earlier age; e.g. people who suffer from Lou Gehrig’s disease or those who are at end stage renal disease.

By definition, qualification for Part A Medicare means automatic qualification for Part B Medicare. There is a distinct difference between the two Medicare: for Part A, this is generally a free program, and for Part B, some form of premium is expected. Depending on the applicable terms, those who do not qualify for Part A can choose to pay a premium in order to get on to Part B.

 The government created the Part A Medicare with the original intention to help subsidy healthcare fees for its members and the objective remains consistent at to now with government continue to take charge. Part B was formed later as a response to the reform of insurance for senior residents. It is more extensive by nature and a variety of services are included here, e.g. general consultation, outpatient treatment, hospital stays, medical exams, etc.

 In addition to Part A and B that are mentioned above, there exist also Part C and Part D of Medicare. Again members of Part A & B generally qualify for these C & D as well. Part C basically represents an alternative to parts A and B. If the concerned member is agreeable to additional premium, the benefits can extend to prescription drug as well. Not unlike Part C, Part D describes a more comprehensive coverage, e.g., expanding the insurance benefits to include prescription drugs for people on Part A or B.

 There is a code of honor among medical practitioners and hospitals in American, saving life is always the top priority, and nothing else matters, including any payment consideration. While this may be comforting, the patients are ultimately responsible for all expenses related to the medical service received, from the ambulance that rushed you to the hospital to the charges resulted from your treatment. However comprehensive an insurance policy may be, expect some out of pocket cash to be paid upfront at the hospital. The balance of the bill would usually reach you by mail at a later date.

 Hospitals in America

 Hospitals tend to converge in the cities and big town in America generally, but if you happen to be out of town, hospitals or even clinics cannot be taken for granted. Not all rural towns or suburbs are installed with well-equipped hospital. The good news is that with internet, it is easy to find out in advance if the neighborhood you intend to visit have a decent hospital nearby.

 Consistent with it technology powerhouse reputation in the world, you won’t find anything else except the latest medical supplies and state of art equipment in American hospitals. You can also trust the medical professionals who are going to attend to you to be the most qualified and competent. The American operators cast their net wide to make sure they can attract new recruits from some of the finest universities domestically or abroad.

 Prescription Drugs in America

 For prescribed drugs, one can almost find all prescribed drugs at drugstores all over America. The drug stores are usually pretty well stocked and with pharmacists readily available to offer appropriate advice and correct instruction on any kind of prescription drugs. Please note that all drug packaging would include English labeling only.

 Dentists in USA

 If you are new to a neighborhood, the effort required to find a dentist in the United States is no different from how you would find a doctor. As usual, you will have to find out if your next dentist is willing to take you on as his next client (subject to his packed schedule). If your insurance plan covers dental service, check and recheck if certain dental procedures are listed as approved services as it is a common practice for insurance providers to include exclusion clauses with regards to some dental procedures.

 Childcare in America

 Child care services are ubiquitous in the United States. The fact is you would never run out of choice as there is really a wide variety of options for you, e.g. institutional childcare, corporate institutional childcare or private in-home childcare, etc... Another piece of great news is that companies here tend to be the pro-family sort, so that would be helpful for working couples.

Finding the right medical insurance plan in USA

Finding the right medical Insurance plan in USA can be a difficult task as Healthcare organization in USA is usually different from the one in other countries. There are a few information to take into account before you can choose a health plan for yourself or your family in USA. Our team of advisors can help you choose the best health plan to make your trip in USA a pleasant experience.
Please do not hesitate to ask us for a free quote to find our the most suitable medical plan for your own needs.


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