" " US Health Care System



US Health Care System

The US Health Care System has the best medical expertise and the best clinics/hospitals in the world. If you get sick or injured while studying in or visiting the United States and receive treatment in a U.S. hospital, you are guaranteed to be receiving the best medical care in the world.

us health care system

American or US Health Care System

For all international students studying in the United States, the U.S. medical system can be said to be very complex and difficult to understand. That's because the U.S. healthcare system is indeed very complex and confusing; most native American citizens don't even fully understand it yet. Here is a short guide to help you better understand the U.S. healthcare system so you can be fully prepared while studying in the United States.

Quality of the U.S. Healthcare System

The United States has the best medical expertise and the best clinics/hospitals in the world. If you get sick or injured while studying in or visiting the United States and receive treatment in a U.S. hospital, you are guaranteed to be receiving the best medical care in the world.

U.S. spending on health care

The United States spends far more on health care each year than most other countries; in 2009, U.S. spending on health care accounted for 17.4% of the country's GDP, far exceeding the "developed country average of 9.6%" (provided by the Organization for Economic Co-operation and Development The data)". For reference, in second place is the Netherlands, accounting for 12% of its GDP.

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Life Expectancy Assessment

Still, 40 countries, including countries like Chile, still have higher life expectancy than the United States. In 2000, life expectancy in the United States ranked 37th in the World Health Organization (WTO) ranking of health care systems.

Healthcare System Bottom Line

A simple possible explanation for this is that the health care system does not have as much of an impact on health and longevity as public health measures and lifestyle. However, on issues such as vaccination, the United States strictly implements and adheres to protection.

Another possible explanation is that the United States does not have a national health care policy. Generally speaking, medical insurance policies will make medical treatment more affordable for the people, and the reasons include: supply materials can be purchased in bulk; prescription drugs can control the output and price; and unnecessary external medical intervention (private institutions) are restricted.

Health Insurance Value

As long as you purchase medical insurance, it will not have any impact on your ability to study in the United States as an international student. With health insurance, you are entitled to high-quality medical services provided by the U.S. medical system. However, without valid health insurance, you may find that not only are you unable to receive medical care in the United States, but you may be required to bear and pay substantial medical bills yourself should you become sick or injured.

U.S. Health Insurance

Healthcare in the United States is provided only by private hospitals and clinics. Most U.S. citizens therefore have private health insurance, generally provided by an individual's employer and extended to their immediate family members. Some insurance plans are offered by federal or state governments, unions, or individuals. In recent years, as medical costs have increased, employers have increasingly required employees to also bear the cost of health insurance. About half of all U.S. citizens with private health insurance pay for a plan out of pocket, and each plan is tailored to their own circumstances. After retirement, U.S. citizens can receive assistance through the government-provided Medicare program. Low-income families and individuals can receive assistance through Medicaid.

The coverage offered by different health insurance plans varies widely. There may or may not be large or small deductibles, co-pays, or coinsurance rates; the insured may be required to pay a large, small, or no cost; some plans provide coverage for dependents , others are not included.

U.S. Health Insurance Options for non-U.S. Citizens

Just as the law does not require U.S. citizens to purchase medical insurance, the United States also does not require F1 visa international students and F2 visa dependents to purchase insurance (but your school has the right to require international students to have an insurance plan that meets their requirements before they can choose courses). The reason is that medical expenses in the United States are very expensive. For visas such as J1 and J2, the U.S. government still requires them to purchase medical insurance that meets the minimum coverage. Although you, as an international student, may think that you do not need to purchase American student medical insurance when studying in the United States, we strongly recommend that you purchase a medical insurance plan, and many times your school will also require you to hold a medical insurance plan.

If you become sick or injured while studying in the United States, and you do not purchase appropriate U.S. insurance, you will be at risk of paying huge medical bills or even not receiving medical care at all. American hospitals only require patients to pay in advance when dealing with emergencies. If the patient does not have medical insurance or proof of deposit, the hospital can refuse treatment. The study found that the average hospital emergency room charge in the United States is about $1,233, which is 40% higher than the cost of monthly rent in the United States. Therefore, we strongly recommend that you purchase appropriate U.S. medical insurance before traveling to the United States or immediately upon arrival.

International students who have been studying in the United States for more than a few months can consult with an agency that has experience and understands the U.S. health care system and international student insurance about a comprehensive U.S. medical insurance plan.

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You should also note that if you are a permanent resident of the United States, not all insurance institutions can provide you with insurance after the first year in the United States; generally after the first year, you need to transfer to a domestic insurance company to purchase it. U.S. citizen version of health insurance (if ACA compliant).