Gesondheidsorg vir immigrante en vlugtelinge in die Verenigde State

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Gesondheid versekering vir vlugtelinge

Health insurance for refugees

Gaan na die dokter of hospitaal kan 'n klomp geld kos in die Verenigde State van Amerika. Dit is waarom dit belangrik is vir die gesondheid versekering te hê.

Going to the doctor or hospital can cost a lot of money in the United States. This is why it is important to have health insurance.

Wat is gesondheid versekering?

What is health insurance?

Gesondheidsversekering, of mediese versekering, is 'n bedrag geld wat jy betaal elke maand 'n versekeringsmaatskappy. Die maandelikse koste van die versekering is bekend as die premie.

Health insurance, or medical insurance, is an amount of money you pay every month to an insurance company. The monthly cost of the insurance is called the premium.

Gesondheidsorg vir immigrante is nie baie verskil van gesondheidsorg vir moedertaal-gebore Amerikaners, Maar soms dit kan verwarrend wees. Die eenvoudigste manier om te verduidelik dit is wanneer jy mediese uitgawes, die versekeringsmaatskappy help hulle betaal. 'N Mediese noodgeval of chirurgie kan kos duisende dollars. Dit is beter om die premie te betaal elke maand as skielik kry 'n groot wetsontwerp van 'n hospitaal. Oor die algemeen, gesondheidsorg vir immigrante en vlugtelinge is dieselfde as vir moedertaal-gebore Amerikaners. Die verskille in gesondheid versekering is gebaseer op ouderdom, indiensneming, enige gesondheidsprobleme wat jy tans het, en hoeveel geld jy maak.

Healthcare for immigrants is not very different from healthcare for native-born Americans, but sometimes it can be confusing. The simplest way to explain it is that when you have medical expenses, the insurance company helps pay them. A medical emergency or surgery can cost many thousands of dollars. It is better to pay the premium every month than suddenly get a huge bill from a hospital. In general, healthcare for immigrants and refugees is the same as for native-born Americans. The differences in health insurance are based on age, employment, any health problems you currently have, and how much money you make.

Hoe kry ek gesondheidsversekering?

How do I get health insurance?

In die Verenigde State, jy kan:

In the United States, you can:

  • kry gedek deur die regering (openbare gesondheid) versekering programme, of
  • kry versekering deur jou werk met die hulp van jou werkgewer, of
  • koop gesondheid versekering jouself.
  • get covered through government (public health) insurance programs, or
  • get insurance through your job with help from your employer, or
  • buy health insurance yourself.

Wese gedek is dieselfde as verseker. Hulle het albei beteken jy is beskerm teen hoef te groot mediese rekeninge te betaal.

Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.

Regering gesondheid versekering programme

Government health insurance programs

Is jy in aanmerking kom?

Are you eligible?

Wese in aanmerking kom vir iets beteken kan jy iets of kwalifiseer vir iets. Die regering sal besluit of jou en jou gesin in aanmerking kom vir die regering programme. Om te besluit of jy in aanmerking kom, hulle kyk na hoeveel geld jy maak, hoeveel kinders jy het, en hoe oud jy is. Gesondheidsorg vir immigrante en vlugtelinge dalk goedkoop of gratis, want jy kan nie maak baie geld op die eerste.

Being eligible for something means can you get something or qualify for something. The government will decide if your and your family are eligible for government programs. To decide if you are eligible, they look at how much money you make, how many children you have, and how old you are. Healthcare for immigrants and refugees may be cheap or free, since you may not be making much money at first.

Medicaid

Medicaid

Medicaid is 'n openbare gesondheid versekering program wat deur die staat waarin jy bly. Die program bied hulp aan individue en gesinne wat 'n lae-inkomste is of gestremdhede. Sommige families vlugteling sal Medicaid kry wanneer hulle die eerste keer kom in die Verenigde State van Amerika. Kriteria vir in aanmerking te kom wissel deur die staat.

Medicaid is a public health insurance program run by the state you live in. The program provides help to individuals and families that are low-income or have disabilities. Some refugee families will get Medicaid when they first arrive in the United States. Criteria for eligibility vary by state.

Medicare

Medicare

Medicare is 'n openbare gesondheid versekering program wat deur die Amerikaanse regering. Medicare is beskikbaar vir alle volwassenes ouderdom 65 en ouer en gestremde burgers van alle ouderdomme. Medicare bied 'n plan om te help met die koste van medisyne. Hier is meer oor Medicare.

Medicare is a public health insurance program run by the US government. Medicare is available to all adults age 65 and older and to disabled citizens of all ages. Medicare offers a plan to assist with the costs of prescription drugs. Learn more about Medicare.

CHIP

CHIP

Die Children's Health Insurance Program (CHIP) betaal vir gesondheidsorg vir lae- om families middel-inkomste met jong kinders. CHIP is 'n goeie program, want dit betaal vir jou kinders se dokter afsprake en mediese sorg. Dit is belangrik vir families vlugteling na hul kinders te neem na die dokter vir jaarlikse ondersoeke en vir inentings. Soek vir jou staat se CHIP program.

The Children’s Health Insurance Program (CHIP) pays for healthcare for low- to middle-income families with young children. CHIP is a good program because it pays for your children’s doctor appointments and medical care. It is important for refugee families to take their children to the doctor for yearly check-ups and for immunizations. Search for your state’s CHIP program.

WIC

WIC

vroue, babas, en kinders (WIC) is 'n stand-by-staat bestuurde gesondheidsorg program wat spesifiek help kinders jonger as vyf jaar oud, swanger vroue, en borsvoeding moeders. Die program fokus op voeding, voedsel verskaffing, en die verbetering van toegang tot gesondheidsorg en maatskaplike welsynsdienste.

Women, Infants, and Children (WIC) is a state-by-state managed healthcare program that specifically helps children younger than five years of age, pregnant women, and breastfeeding mothers. The program focuses on nutrition, food supply, and improving access to healthcare and social welfare services.

As jy 'n lae-inkomste en 'n baba, dit is 'n goeie program. Hier is meer en soek jou staat se WIC program.

If you are low-income and have a baby, this is a good program. Learn more and search your state’s WIC program.

Private gesondheidsversekering

Private health insurance

Baie Amerikaners het 'n private gesondheidsversekering en moenie openbare gesondheid versekering programme gebruik nie. Dit is omdat maatskappye dikwels betaal vir private gesondheidsversekering vir hul werkers.

Many Americans have private health insurance and do not use public health insurance programs. This is because companies often pay for private health insurance for their workers.

Werkplek gesondheid versekering

Workplace health insurance

As jy kyk na 'n werk, jy moet probeer om 'n werk wat gesondheid versekering bied te vind. Dit sal jou gesin te help. Die werkgewer betaal die meeste van die koste en die werknemer betaal 'n klein bedrag. Vir 'n ekstra bedrag, werknemers kan gewoonlik kies om hul man of vrou en enige kinders wat hulle het op dieselfde versekering plan sluit.

When you look for a job, you should try to find a job that offers health insurance. This will help your family. The employer pays most of the cost and the employee pays a small amount. For an extra amount, employees can usually choose to include their husband or wife and any children they have on the same insurance plan.

As jy jou werk te verlaat, jy mag toegelaat word om jou dekking vir 'n rukkie te hou, deur 'n regering plan genoem COBRA. COBRA is slegs vir 'n kort tydperk, en jy mag hê om die hele premie jouself te betaal, maar dit sal hou jy gedek tussen werk..

If you leave your job, you may be allowed to keep your insurance coverage for a while, through a government plan called COBRA. COBRA is only for a short period, and you may have to pay the whole premium yourself, but it will keep you covered between jobs..

Betaal vir versekering sonder 'n werkgewer

Paying for insurance without an employer

As jy nie 'n werkgewer moet aanbied gesondheid dekking, en as jy nie in aanmerking kom vir 'n regering program, jy sal hê om private gesondheid versekering te koop. Dit kan duur wees. Jy kan in aanmerking kom vir hulp met jou premies deur die Wet op Bekostigbare Care.

If you do not have an employer offering health coverage, and if you are not eligible for a government program, you will have to buy private health insurance. This can be expensive. You may be eligible for help with your premiums through the Affordable Care Act.

Die Wet op Bekostigbare Care

The Affordable Care Act

Die Wet op Bekostigbare Care (ACA), ook genoem “Obamacare,” vereis die meeste burgers van die VSA en wetlike inwoners vir die gesondheid versekering te hê. Maar dit laat jou ook toe om gesondheid versekering te koop vir 'n laer koste met die hulp van die regering. Kyk of jy dekking kan kry onder die bekostigbare Care Act by www.healthcare.gov.

The Affordable Care Act (ACA), also called “ObamaCare,” requires most US citizens and legal residents to have health insurance. But it also allows you to buy health insurance for a lower cost with help from the government. See if you can get coverage under the Affordable Care Act at www.healthcare.gov.

Kollege mediese versekering planne

College medical insurance plans

Studente is dikwels in staat om gesondheidsorg versekering te koop deur hul kolleges. Om in aanmerking te kom, moet jy ingeskryf word in 'n sekere aantal krediete.

Students are often able to purchase healthcare insurance through their colleges. To be eligible you must be enrolled in a certain number of credits.

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