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LonesomeTonight
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Default Sep 22, 2024 at 04:39 PM
 
Quote:
Originally Posted by ChickenNoodleSoup View Post
To people in the US: my parents are planing to move to the US. How do people there find a good healh insurance? Do you just google or are there some that are known for being "better" (for example coverage in all states or something like that)?
What NP_Complete said. Also, many plans are state-specific (though they'd still provide some coverage in other states, like if they were traveling). Do they know where they're moving to yet?

Something they need to pay attention to when picking a plan is the deductible. That's the amount they'd have to pay completely out of pocket before insurance kicks in and cover part of it. So like if a plan has a $5,000 deductible, they have to pay for $5,000 worth in care before insurance starts paying some or all. There are exceptions for some forms of preventive care, like an annual physical is generally free.

Another thing to consider is prescription coverage, especially if they take regular medications. Some plans have a separate deductible for prescriptions; others combine it.

I could give more info, too (like in-network vs. out-of-network coverage), but don't want to overwhelm you!
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Thanks for this!
ChickenNoodleSoup