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Usa health system for immigrants

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Health, Health system, Social insurance for resident immigrants

The resident immigrant who is authorized by the Immigration System, obtains the social insurance card, and its number will allow the immigrant to hire any of the private health care plans, such as HMO, PPO, EPO or POS, and also, access to the

 

 

social security benefits, which include spends of social assistance, unemployment loans and free health care for those who are older than 65 years old in the MEDICARE.

Social insurance numbers, health care plans, MEDICARE, HMO, PPO, EPO, and POS.

Health care in the United States of America, is not a public need to be attended by the Government, but an individual right of every citizen or resident immigrant, as far as they pay it, for the high costs that it implies, due to the high quality of the medical care provided by the private medical insurances, in other words, health care corresponds to private companies.

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For free health care, there are only two options, MEDICARE, which is intended for adults that are older than 65 years old and that, during their working life, contributed with the American social security; and the MEDICAID, which is directed to people of extreme poverty conditions.

It is not among the obligations of the American citizens and resident immigrants to have a private health insurance, but, however, every employer who has a contract for more than 32 hours must have health policy insurance.

The medial health insurance has a monthly installment that must be paid by the worker during the time in which he or she would want to have a private operator. Besides, this insurance is available for an amount of money which has to be previously stated in the contract and the coverage and treatments must also be defined previously. It annually allows medical checkups and medical revisions with the ophthalmologist, gynecologist, and dentist. This covers the direct family also (wife and kids).

The main health care plans are: the Health Maintenance Organization (HMO), the Preferred Provider Organization (PPO) and the Exclusive Provider Organization (EPO), each of them with their own characteristics:

• Health Maintenance Organization (HMO), its assistance consists in choosing a family doctor from a list of providers and he or she, can transfer you with a specialist doctor inside the net.
• Preferred Provider Organization (PPO), allows access to medical services and to hospitals that belong to its “net”, offering discounts in the attention for the insured. It recognizes care and payments outside from its “net”.
• Exclusive Provider Organization (EPO), allows the same that the PPO, but with bigger discounts. It does not recognize attentions or payment outside form the system.

There are other systems, such as the Point of Service (POS), which is a combination of HMO and PPO, meaning that you can choose a family doctor, and also get outside from the “net”, but it will only recognize the payments if the family doctor has transferred you to outside of its net.

To be able of participate from the benefits of the social security, the immigrants require to be previously authorized to work in North American territory by the Immigration Service, which will allow them to get a Social Security Card, whose number will help them to be identified, to access to a job and to perform many procedures.

Every North American worker, in some stage of his or her life, accesses to the benefits of social security. The responsible for its management is the Social Security Administration (SSA).

The social security’s coverage includes handicapped people, retired people and the beneficiaries of the entitled person. The benefits it provides, consist in social assistance spends, loans for unemployment and free health care known as MEDICARE.

If you are a dependent worker, the 7.65% of your salary is discounted to pay your right to social security and to the State’s medical insurance (MEDICARE), your employer contributes with a similar percentage. If you are an independent worker or you work on your own, you assume both percentages.

Summing up, the resident immigrant is, indeed, authorized to work, has a social security number, which will allow him or her to access to any of the existent health care plans and to the social security benefits.


 


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