The Importance of Having Insurances in United States

January 4, 2009 by  
Filed under Financial Tips, Insurances

Your mutual complementary not reimburse you your health spending in the U.S..

Once you arrive on U.S. territory, either for sightseeing or to settle permanently, your mutual complementary will not charge unless you have a specific contract stating that coverage, which is extremely rare.

Medical costs are among the highest in the world.

Health care costs are not commensurate with what we have in Europe. If you have an accident or if you fall ill, you will suffer the financial consequences for a very long time if your whole life.
Consultations with U.S. in a GP starting from $ 70 to over $ 300. Consultation with a specialist were much higher. The drugs are much more expensive and a simple blood test can easily cost you $ 150.

The medical process quickly becomes very expensive.

In the U.S., if you get sick with the flu, which is not what is worse … your first visit to the doctor usually will cost a minimum of $ 150 (following consultations are often less expensive but remain around $ 100), he will prescribe antibiotics for example to be much more expensive and not reimbursed by the U.S. Social Security.

The American social system is very different from the European model and particularly the French social security. Remember that Social Security is not an American health insurance in the sense we understand it in France with Social Security.

No American doctor or hospital, unless you’re at the point of death, would agree to treat you if you can not provide credit card or a care insurance.

Before you administer any medical care in the United States, you will be asked to prove that you are “insolvent” (show care insurance, your credit card … etc..). If you need to be hospitalized, it can cost you dearly and if you do not have insurance, you will suffer the consequences sometimes your whole life … So choose an insurance policy that is committed to provide a support in promptly and have relays in the United States or a platform of contact available 24/24 and 7 / 7.

Your credit card do not offer health insurance adapted to American medical costs.

Insurance with your credit card (Visa, Mastercard, American Express) are more like contracts to help you attend to incidents, for a short period without offering you a real health insurance and no way if you stay more than 3 consecutive months in the United States.
Generally, insurance coverage (mainly insurance against accidental death or disability) shall apply only if you purchased your ticket with the card. Regarding the reimbursement of medical expenses, insurance limits credit card are very low and insignificant compared to the high cost of medical expenses in the U.S. or if the maximum reimbursement is higher (eg Visa Premier), you to pay a franchise high for all care generated.

Do not mess with health.

According to the adage “prevention is better than cure”, take all measures to prevent seed health or it will cost expensive especially in the United States.