Medicine, credit cards and other disadvantages of life in the USA: the opinion of a Russian-speaking immigrant
Author of the channel "Life in America" on Yandex.Zen shared his own opinion about what features of American life it is difficult for an immigrant to get used to.
I want to share my impressions of those aspects of America that may seem negative.
For example, the first negative for me is medicine. More precisely, medicine here is good, but expensive. The best job will give you insurance, but even so, you will pay some part. At the same time, prices for medical services are very high.
But - what is most important - it is completely unclear how much it costs. That is, the approximate prices for services can only be assumed. The procedure for the insurance is very complicated and the prices for insurance are also not small at all.
On the subject: 20 million Americans raise funds online to pay medical bills
The next disadvantage for me is the banking system. The protection of funds on the card worries me a little, but there are some nuances. The easiest way is to steal money from your credit card. That's because the credit card doesn't even have a PIN. At the same time, in the case of a quick appeal to the bank, they will quickly block and reissue the card, and the money will be returned.
But if you hacked a debit card, everything is much worse. Therefore, it is advised not to carry a debit card with you and not to use it anywhere.
In general, in few operations with a card you will be asked to enter a PIN code. Even if you use a debit card. Therefore, you should not use the card anywhere until you know the exact amount charged.
A big disadvantage for those who do not know English well is that most issues are resolved over the phone. You have to call everywhere. There are few places where you can go to a website on the Internet or write to the technical support chat, so all newcomers will have to explain something long and hard in their broken English.
On the other hand, all questions are resolved by phone much faster than if you write letters to the post office. But many people still use fax - so in the US I had to learn how to fax.
By the way, paper mail is very common. You will receive all the most important documents by mail. It works fast and well.
Original column published on the blog. "Life in America" on Yandex.Zen.
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