Health is a fundamental issue, and even more so for those who want to emigrate to a new country, a new culture. Let us remember Shopenhauer’s famous phrase: “Health is not everything, but without it everything else is nothing”
And it is that in each country, the health issue is handled differently, with its pros and cons. In the United States it is still a complex issue that now has new nuances with the so-called Obamacare, complementary insurance and private insurance policies.
No one is exempt from getting sick or injured, accidents happen and are out of our reach to avoid them 100%. Getting sick is expensive. Everything revolves around a medical system in conjunction with insurance and the payment of insurance by employees and employers. Having insurance is also a privilege that is enjoyed in a permanent job in addition to many other benefits.
Considering the issue of Health Insurance is part of what we identify as one of the pillars of smart immigration.
The figures are worrisome according to different surveys and studies are estimated at 53% the absence of health insurance in the Hispanic population of Florida.
We know that many immigrants play with fire by becoming uninsured while growing up and looking for a future in North America, but it is a culture that in the short, medium or long term can bring harsh consequences.
It is a matter of understanding health as a preventive and not reactive issue, only acting in case of illness or an emergency.
One of the causes of not having insurance is high costs, and low wages creating a large gap between a population with good incomes and an average that barely covers their basic needs such as housing, food and transportation.
Let’s begin to unravel the subject a little based on the official information offered by its official website https://es.medicare.gov/
What is Medicare?
It is the federal health insurance program and covers people 65 and older, also covers younger people with disabilities and patients with permanent kidney failure who require dialysis and eventually a kidney transplant.
Medicare comprises three parts:
Hospital Insurance:
Medicare Part A
Hospital stays, skilled nursing facility care, hospice care, and some home health care services.
Medical Insurance:
Medicare Part B
It covers certain physician services, outpatient health care, medical supplies, and preventive services.
Medicare Advantage
Medicare Part C
They are a Medicare health plan offered by a private company that has a contract with Medicare that includes all Medicare benefits in Hospital Insurance and Medical Insurance.
In these plans you will find:
- Health maintenance organizations
- Preferred Supplier Organizations
- Private fee-for-service plans
- Special needs plans and Medicare medical savings account plans.
- As a Medicare Advantage plan, you have coverage in most Medicare services throughout the plan and are not paid for through Original Medicare.
- Most Medicare Advantage plans provide prescription drug coverage.
Prescription Drug Coverage
Medicare Part D
They are plans offered by insurance companies and private companies approved by Medicare. Medicare Advantage plans may also offer prescription drug coverage that follows the same rules as Medicare prescription drug plans. To understand everything related in greater depth, visit the official website in Spanish: https://es.medicare.gov/
Medicaid:
It is a federal and state program that helps with medical expenses, such as nursing home and personal care services, for some people with limited income and resources.
What is Obamacare?
ObamaCare or Affordable Care Act is the Affordable Care Act. Obamacare is an unofficial name and they began to use the media to name this health reform in the U.S. promoted by President Obama, said reform extends and improves access to health care and decreases spending through regulations and taxes.
The main objective of the Affordable Care Act is to give more Americans access to affordable health care by improving the quality of health care and regulating the health insurance industry and thereby reducing health care spending in the United States. USA. The law contains hundreds of different provisions and brings together different aspects of “the health care crisis” in the U.S.
This health care reform was signed by President Barack Obama on March 23, 2010. For more information visit: https://obamacarefacts.com/
Video: https://www.youtube.com/watch?v=T9bKAqnZ7GY
Undocumented immigrants are not eligible for health programs and savings in health plans and health coverage or for tax credits. But they must always apply in favor of their documented relatives.
If you are a legal immigrant you can visit this page and know the documents with which you could request a registration in health programs: https://www.healthcare.gov/immigrants/documentation/
Discount plans are cheaper options that offer access to health at lower prices. They are not health insurance, but offer the possibility of accessing medical services at a lower cost. It is estimated that an average insurance for a young and healthy person with no medical history ranges between 200 and 600 dollars.
Deductibles are a way to achieve greater coverage, but with a fixed cost when accessing any medical service. For example, if your deductible is $ 5,000 or $ 10,000, in case of surgery the cost above your deductible, will be for what the medical insurance will respond.
Health and medical insurance is a complex issue that deserves to be studied in depth, at PFS Realty we want you to consider all the factors for an intelligent immigration, investing in a property for enjoyment or business, also requires you to consider many other factors, in this case such as health, when wanting to emigrate to United States. In Miami, and in South Florida in general, there are a wide variety of investment opportunities that will tempt you to want to move and begin to contemplate all the factors for such migration. At PFS Realty we have the professional team to advise you at all levels.