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Healthcare Insurance in the United States


There is no universal health care. The United States government does not offer health benefits to citizens or visitors. Every time you get medical care, someone has to pay for it.
Healthcare is expensive. According to a US government website, if you break a leg, you could end up with a $ 7,500 bill. If you need to stay in the hospital for three days, this will likely cost you around $ 30,000.

Most people in the United States have health insurance. Health insurance protects you from owing a lot of money to doctors or hospitals in the event that you become ill or injured. To obtain health insurance, you must make regular payments (called “premiums”) to the health insurance company. In return, the company agrees to pay some or all of your medical bills.

What is health insurance?


There is no universal health care in the United States, which is why most people in this country buy health insurance.
Health insurance protects you from paying a lot of money to doctors or hospitals if you become ill or injured and need medical attention. Health insurance can also help pay for exams, lab tests, vaccinations, and prescribed medications.

To obtain health insurance, you must choose a health insurance plan, register, and then make regular payments (called “premiums”) to the health insurance company. As long as you are eligible and continue to pay your installments, you are "included". This means that your health insurance company agrees to pay a portion of your medical bills.

You will receive most of your care from a Primary Care Provider (PCP). After purchasing health insurance, you can choose a primary care provider that is part of your insurance company's network. If you buy a MIT health insurance plan, you will choose MIT Medical's PCP. Your new PCP may be a nurse or doctor. You will see your PCP when you need a physical exam or lab test, when you are sick, or if you need care for an ongoing condition such as diabetes or high blood pressure.

What is PCP?


PCP stands for "Primary Care Provider". If you have a MIT health plan, you can choose a primary care provider at MIT Medical. Your primary care provider will be the doctor you see in most of your care. In some countries, PCPs are called "specialists" because they can take care of most of your health care needs.

Who are PCPs?


Your PCP can be a doctor or nurse practitioner. Practicing nurses are registered nurses who have obtained a master's degree. They have also passed the licensing exam that allows them to work as a home care official. They can diagnose illness or injury, order lab tests, make treatment plans, and write prescriptions. Many practicing nurses at MIT Medical have additional certifications in areas of medical specialization or have other special skills in areas such as nutrition and women's health.

What does PCP do?


Your primary care provider is your personal doctor. You'll make an appointment to see your primary care provider if you need a physical exam or if you have a non-urgent problem, such as a cough that doesn't improve or a minor injury. Your PCP can also help you care for persistent conditions such as diabetes, high blood pressure, or acid reflux.

Sometimes your PCP may ask you to see another type of doctor for a more complex problem, for example a cardiologist for a heart problem or a dermatologist for a serious skin problem. Or, your PCP may want to run a diagnostic test at MIT Medical or another clinic or hospital. Your primary care provider will then request a referral to see another provider.

Usually you will need an appointment to get medical attention. If you want to see your PCP, you will need to contact your PCP's office to make an appointment. When calling, you must explain why you need the appointment. If you are sick or injured, you will get an appointment very soon. If you only need a routine physical procedure, you may have to wait several weeks or even a month.

All about dating


If you have a MIT health plan, you may choose a Primary Care Provider (PCP) at MIT Medical. When you want to see your primary care provider, you will need to make an appointment. The easiest way to schedule an appointment is to call your primary care provider's office. When calling, explain why you need the appointment. If you are sick or injured, you will get an appointment very soon. If you only need a routine physical procedure, you may have to wait several weeks or even a month.

Your first appointment: If you are meeting with your primary care provider for the first time, you will need to complete a medical history form. You can download the template in English, Chinese, Japanese, Russian, Spanish or Korean. Print the form, fill it out at home, and bring it to your first appointment.

Interpretation services are available. Many international patients use our interpretation service when calling or entering MIT Medical. When you call or come to the office, I simply tell you, "I want to use the interpreter line" or "I need an interpreter."

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