Mandatory health insurance – a type of compulsory social insurance, which is a system of legal, economic and organizational measures created by the state, aimed at ensuring, in the event of an insured event, guarantees free provision of the insured person of medical care at the expense of compulsory health insurance within the territorial program of mandatory health insurance and, in cases established by Federal Law, within the basic program of compulsory health care. However, I will say right away that if you decide to make health insurance, Mercury Mastercard is absolutely right for you. First of all, you may find out all the details about the card here https://teuscherfifthavenue.com/wwwmercurycardscom-activate/, here you will find instructions for activating the card and the benefits of using it. Secondly, you will be surprised as soon as you find out how many bonuses you can receive just by paying with this credit card. So, hurry up and read the detailed description of how to receive the card!
Status of Health Insurance
Medical care in the United States is very expensive. If you do not have insurance, you run the risk of being left without care, or receiving minimal care only at free clinics. Contracting with an insurance company to purchase a medical policy protects you from potential trouble.
Besides, according to the recent Affordable Care Act health care reform, you are legally required to buy an insurance package if you are legally residing (studying or working) in America for a long time. The essence of insurance is a monthly payment of a certain amount to the insurance organization. In the case of illness or any injury, it assumes part of the costs. It is worth noting that insurance does not always fully cover treatment.
The type of health insurance is directly proportional to your financial circumstances. You can buy a full or percentage package on your own, or you can seek help from the state. Subsidies are available for low-income people. An organization may also pay when you apply for a job.
Why Do You Need It?
Quality health care services don’t come cheap. A sudden illness can require long-term treatment and high costs. A unique “Health Insurance” product will give you financial protection and allow you not to think about where to get money for treatment. You no longer need to keep receipts and receipts for treatment as required by health insurance. All you need is a diagnosis for payment!
3 Reasons to Get Health Insurance:
- You can take out an insurance policy for an adult under the age of 69 (including pensioners), as well as for a child from the age of 1 year (children’s insurance).
- You will receive insurance payment for illnesses not covered by traditional voluntary health insurance (VHI): diabetes, viral hepatitis, tuberculosis, cancer.
- It is up to you to decide how to use the benefit.
Types of Health Insurance in The United States:
- Health maintenance organizations (MediCal in California) are the cheapest option. Services are provided in only one network of medical facilities. The list of profile specialists and choice of clinics with HMO and MS is limited. To see the necessary specialist, you must take a referral from the therapist assigned to the patient. Covers only consultations with doctors in that network.
- Peferred provider organizations – the most expensive, but also a very favorable offer. A vast network of medical institutions, which cooperate with many other doctor’s organizations. You can also receive treatment outside the PPO, but you do not need a referral.
- Point of service and Exclusive Provider offer a limited range of low-cost doctors.
Cost of health insurance in the USA – price of health insurance in America – American BertlerTariff plans Insurance plans in the U.S. depend on how much the agent company reimburses for you. Moreover, earlier I mentioned the credit card which is the best for you for a health policy, so for even more information you can get on the official website. Follow the link https://www.mercurycards.com/ to find out all the benefits and criteria for using the card. There are five basic offerings:
- The platinum package includes 90 percent of the costs.
- Gold will cost the agency about 80%.
- Silver will save you up to 70%.
- Bronze involves reimbursing 60% of what you spend.
- The minimum plan pays only for emergencies for people under 30 years old or people with limited financial means.
Health Insurance Rates Differ in The Way They Are Paid For:
- Co-pay is a fixed part of the premium for a particular service; the insurance company covers the rest;
- deductible is a prepayment before the package begins;
- coinsurance is paid partially (the percentage of the cost is specified in the contract); the remaining part is paid at the expense of the insured person;
- Out of pocket maximum If you spend a certain maximum amount, you are further reimbursed 100%.
The Cost of Health Insurance in The U.S.
You can purchase a policy through the Health Insurance Marketplace or a statewide resource. There is a fixed period to make a transaction of this kind – from 11/15 to 2/15 of the current reporting year. The cost of health insurance in the U.S. remains stable for all 12 months from the beginning of the sale. Force majeure gives you the right to purchase outside the fixed period.
The price of insurance in the U.S. is made up of several points. It’s the region you live in, your income level, and the quality of the insurance plan. A minimum HMO type plan will cost $150 per person, while a platinum plan will start at $350. Incomplete families with young children and people with money and social problems, as well as pregnant women, are eligible for government assistance. In this case, the cost will be much lower.
That’s It!
Thus, health insurance is a form of social protection of the interests of the population in the protection of health, expressed in the guarantee of payment for medical care in the event of an insured event at the expense of the funds accumulated by the insurer. Medical insurance allows to guarantee a citizen a free provision of a certain volume of medical services in case of an insured event (health disorder), if there is a contract with a medical insurance organization. The latter bears the costs of paying for the case of medical care (risk) from the moment the citizen pays the first installment to the appropriate fund. So today we have reviewed the best bank card with which you can pay for everything. I hope this article was helpful to you and get a credit card as soon as possible!
