Today we are accepting applications for 2017 medical insurance

Photo: Depositphoto

Today we are accepting applications for medical insurance for 2017 year. Those who want to get Medina help and medicines from January 1 must complete the documents today, reminds CNN. The Obamacare program will operate, despite the fact that its elimination was the main item of the election program of Donald Trump.

American interest in Obamacare has grown since Trump’s election

According to the latest data, 4 million US residents have registered through the federal healthcare.gov system to receive Obamacare health insurance for 2017 a year. This is 250 thousand people more than last year, said the US Department of Health.

Also this year, the number of people who receive health insurance through special programs in the states has increased. For example, in California this year received thousands more applications for 150 than in the past.

Такой всплеск интереса к медстраховке многие эксперты объясняют государственной политикой — администрация Барака Обамы поощряет тех, кто хочет получить медицинскую помощь. А также — показать новому президенту Дональду Трампу, насколько важно сохранить программу Obamacare.

Barack Obama is confident that you can not cancel Obamacare. Photo: Depositphoto

Отмена Obamacare — ключевой пункт предвыборной программы Трампа

Отмена обязательной страховки для всех жителей США была ключевым пунктом предвыборной программы Дональда Трампа. В ходе кампании Трамп обещал полностью отменить Obamacare, и этот воспрос в ближайшие недели должны обсуждать внутри республиканской партии. Однако эксперты практически не сомневаются — быстрых шагов ждать не стоит. Отмена Obamacare в том виде, в котором она существует сейчас, может затянуться на несколько лет. К тому же, властям нужно будет придумать замену этой программы.

Recall that during the first meeting of Barack Obama with Donald Trump immediately after the election, the current president persuaded Trump to leave compulsory medical insurance for all Americans. Tram said then that the program will either undergo changes or be replaced by a similar one.

During the election campaign, Trump promised to cancel Obamacare. Photo: Depositphoto

Registration for health insurance ends today. What you need to know

Insurance in America is based on the principle: as long as you are healthy, you pay the insurance company, when you fall ill - the insurance company with which the contract is made, pays for you. For details on how to register for medical insurance, read in material ForumDaily.

There are several ways to get insurance:

1. Get insurance at the expense of the state. Program Medicaid accessible for people with disabilities and low-income people, as well as for people older than 65 years (after 65 years, government-subsidized insurance Medicare).
2. To get insurance with partial help of the state. This opportunity is available to low-income residents who are not covered by the employer.
3. To get insurance with the full or partial support of the employer. In the US, many employers provide health insurance. Just keep in mind that there are nuances here: the employer is not always ready to pay your insurance premiums in full. You still have to pay for insurance, but it’s cheaper than if you buy it yourself - part of the cost will still be covered by the company-employer. Specify whether the employer is not planning to deduct part of the insurance premiums from your salary. If the employer’s insurance plan does not suit you, you can apply for insurance yourself.
4. If you work, but the employer does not pay your insurance, either partially or fully, you must purchase it yourselfby choosing the best plan.

За отсутствие страховки полагается штраф — в 2016 году он составляет $695 или 2,5% от облагаемого налогом дохода за год (выбирается большая цифра).

How to independently purchase insurance

On the federal website Healthcare.gov Insurance plans of various companies are put together, and you can choose the most suitable one. After processing your data, you will be told whether you are eligible for free insurance, are there discounts for market plans for you, and if so, in what amount. Then you will need to compare all insurance plans and choose the most suitable.

Insurance plans: how much they cost and how they differ

The cost of health insurance for an adult in the US can vary greatly and range from $ 150 to $ 500 and more per month. The cost of your insurance will depend not only on the type of insurance plan, but also on the state, county, medical history, income, age and many other factors. There are several types of insurance. The type of doctors and hospitals you will be able to use depends on which type you choose.

1. HMO (Health Maintenance Organization): You can visit those health facilities that have a contract with the HMO (this does not apply to emergency care). You can contact specialists only in the direction from your therapist. Plus HMO - in low insurance premiums.
2. EPO (Exclusive Provider Organization) differs from the HMO higher fees, as well as the opportunity to contact specialists without a referral. You will only have to visit those hospitals that have entered into an agreement with the EPO (this does not apply to emergency care).
3. PPO (Preferred Provider Organization) — план с самой высокой стоимостью страховки, но и с самыми широкими возможностями. Лечиться можно в любом учреждении, у любых врачей. Если врач тоже заключил договор с РРО, то вам предложат более выгодные условия. PPO также не требует получать направление к специалистам. У PPO — самая широкая сеть врачей.
4. POS (Point of Service Plan) puts the following condition: you can go to specialists only with the direction of the therapist, but this specialist can receive outside the network.

In order to be well oriented when choosing insurance, it is also desirable to understand several terms:

premium - the monthly amount to pay for insurance;

deductible - The amount you have to pay for medical services before your insurance starts to cover them;

co-payment - a fixed amount of surcharge for a visit to the doctor, medical services or medications;

co-insurance - Covering the costs of the insurance company and you as a percentage, starting after the full payment of the deductible;

out-of-pocket limit - the maximum amount spent out of your pocket during the year, upon reaching which the insurance begins to cover your expenses in 100% -size.

Depending on the size of the percentage of coverage of medical expenses, many insurance plans are divided into several major ones:

bronze (insurance company pays up to 60%)

silver (insurance company pays up to 70%)

gold (insurance company pays up to 80%)

platinum (insurance company pays up to 90%).

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