Required technical post before landing in the United States! about medical insurance

Required technical post before landing in the United States! about medical insurance

Friends who are planning to immigrate to the United States should have heard of the Obama health insurance bill. Due to the high cost of medical care in the United States, if there is no medical insurance, once disease occurs, it will cause a lot of burden to any family.

To make medical treatment affordable for everyone, Obama pushed Congress to pass the US National Medical Care Act, scientific name “Affordable Care Act” (Affordable Care Act), commonly known as Obama Care (Obama Care), and the local Chinese media collectively referred to as “Oji Health Insurance”.

Under the framework of the Act, each state establishes its health insurance plan, such as California’s Ouji Health Insurance, which is called Covered California and is implemented by the state government. Today, we take California, the first choice for new immigrants to land, as an example to discuss several important aspects of the California Comprehensive Insurance Plan.

1. Does everyone have to buy medical insurance?

Yes. As long as they are legal residents of California, such as citizens and green card holders, they must be covered by government health insurance (Medi-cal or Medicare), employer health insurance (Group Health), Covered California, or general health insurance (Off-Exchange) Choose between the insurance, otherwise, you will be fined. In 2016 the penalty amount was 2.5% of annual household income

2. What is the difference between Covered California and general health insurance? Which should you buy?

Whether you buy health insurance through Covered California or the private insurance marketplace (Off-Exchange), you can get health insurance that complies with health insurance laws and includes 10 basic benefits. However, you can only apply for the government health insurance subsidy if you purchase health insurance through Covered California, which requires you to provide personal tax return information and proof of income. Between 138% and 400% of the federal poverty level, you may be eligible for government health care assistance.

Here is a more general concept for you, a family of four, that is, a middle-aged couple plus two children, if you buy insurance with an annual family medical deductible of less than $10,000, the monthly premium is about $900.

3. What is government health insurance (Medi-Cal and Medicare)?

Government health insurance Medi-Cal, commonly known as “white card”, is free health insurance. Families whose annual household income meets below 138% of the federal poverty level can apply directly.

4. How much is the one-year premium for California Comprehensive Insurance? How much is the government subsidy?

Premiums are calculated based on your zip code, age, household size, and annual household income.

Family size and income qualify for government assistance: the lower the income, the higher the likelihood of receiving benefits from Covered California. The Covered California system connects with the Internal Revenue Service (IRS) to calculate the health plan premiums and available government assistance for each applicant family based on the family size and annual family income on the 1040 tax return. Currently, about 90% of California’s fully insured customers are eligible for government subsidies.

5. Eligibility for federal grants?

If your family’s annual income meets the Federal Poverty Level (FPL), the government will provide three different types of subsidies based on your income, including Medi-Cal white card, premium assistance (Premium Assistance), fees Cost-sharing Reduction. The benefits provided by the federal government are only available if you purchase health insurance in Covered California.

 6. Can a person with a pre-existing condition also apply?

Can. Beginning in 2014, insurance companies cannot deny applicants medical insurance plans for any reason, whether pre-existing medical conditions or inadvertent mistakes made during the application process cannot be used as a reason for denial. 

7. Can I buy health insurance at any time?

Generally speaking, health insurance can only be purchased during the annual open enrollment period of health insurance. The open enrollment period for 2016 health insurance is from November 1, 2015, to January 31, 2016. At the same time, for you and your family’s health insurance to take effect in time for January 1, 2016, you must complete the application process before December 15. Unless there is a qualifying special life event, such as marriage, childbirth, etc., it needs to be registered within 60 days of the event. Immigration is also a special event!

By Master James

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