संयुक्त राज्य अमेरिका मा शरणार्थीका लागि स्वास्थ्य बीमा

अंग्रेजी पनिकुनै अंग्रेजी

How do I pay for medical care?

How do I pay for medical care?

Health insurance for refugees

Health insurance for refugees

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.

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.

Refugee medical assistance

Refugee medical assistance

When you first arrive in the United States, your resettlement agency will sign you up for health insurance. Most refugees use a program calledRefugee Medical Assistancefor their first eight months in the United States. If you have children or if you are an elder, your health insurance might come through another program from the government.

When you first arrive in the United States, your resettlement agency will sign you up for health insurance. Most refugees use a program called “Refugee Medical Assistance” for their first eight months in the United States. If you have children or if you are an elder, your health insurance might come through another program from the government.

After eight months, you will need to get your own health insurance.

After eight months, you will need to get your own health insurance.

स्वास्थ्य बीमा के छ?

What is health insurance?

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.

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.

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.

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.

म कसरी स्वास्थ्य बीमा प्राप्त गर्छन्?

How do I get health insurance?

अमेरिका मा, you can:

In the United States, you can:

    • get covered through government (public health) insurance programs, वा
    • get covered through government (public health) insurance programs, or
    • get insurance through your job with help from your employer, वा
    • get insurance through your job with help from your employer, or
    • buy health insurance yourself.
    • buy health insurance yourself.
    • Being covered is the same as being insured. They both mean you are protected from having to pay large medical bills.

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

      Government health insurance programs

      Government health insurance programs

      Are you eligible?

      Are you eligible?

      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.

      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.

      Medicaid

      Medicaid

      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.

      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 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. बारेमा थप जान्न 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

      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.

      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

      महिला, 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.

      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.

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

      Private health insurance

      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.

      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.

      Workplace health insurance

      Workplace health insurance

      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.

      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.

      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..

      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..

      Paying for insurance without an employer

      Paying for insurance without an employer

      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.

      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.

      The Affordable Care Act

      The Affordable Care Act

      The Affordable Care Act (ACA), पनि भनिन्छ “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.

      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.

      College medical insurance plans

      College medical insurance plans

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

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