Health insurance is very important in the US. Many schools require F-1 students to buy health insurance (also known as 美国医保). You are also recommended to buy health insurance after graduation, such as opt insurance. The one is ideal for international student to purchase is Huhu Insurance (also known as 虎虎保险) Some employers provide health insurance with employees. Remember to ask for your employer about health insurance before accepting an offer. Since the H-1B visa application and the H-1B lottery procedure (also known as h1b 抽签) are very complicated, you should always consider hiring an immigration lawyer (also known as 移民律师) when you apply for an H-1B visa (h1b签证). In this article, we will introduce how to choose insurance if you are new immigrants in U.S.
New immigrants (green cards) who have just arrived in the United States must be eligible for immigration and have lived in the US for more than five years before they can qualify for government-provided public health insurance, such as Medicare or Medicaid insurance.
Commercial insurance companies in the United States provide domestic health insurance for US citizens and legal immigrants. Usually, insurance companies require a time to live in the United States for three months to a year, and can apply for local medical insurance.
If you find a job after immigrating to the US, you must pay 1.45% of your salary as a Medicare tax. When you work in the US and pay a Medicare tax for ten or more quarters, you can qualify for Medicare medical insurance when you are 65 years old. This is the medical care insurance provided by the US federal government for the elderly.
Many people have arranged their parents in China to immigrate to the United States after they settled in the United States. If your parents are over 65 years old when they come to the US, they will not be eligible for Medicare medical insurance when they first immigrate to the United States. They must hold a green card for more than five years before they can pay insurance to the government’s Medicare project to purchase a medical care insurance plan.