Move to the U.S. for a foreigner with diabetes: how to deal with an insurance? - Page 2

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Move to the U.S. for a foreigner with diabetes: how to deal with an insurance? - Page 2


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Old 03-27-2017, 01:42   #11
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I'll let others answer the other questions, but if your pump is not covered by the insurance from the University, your doctor here in US can request an exception since you already have a pump. Most insurance companies will authorize that since they would otherwise have to replace the pump.

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Old 03-27-2017, 02:06   #12
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Hi Mikael;
I agree with the information posted by others today.
One important additional question for your new employers
What is the deductible on the insurance plans you offer employees AND what is the out of pocket max on the policy.
Normally universities offer very good insurance programs to their employees unfortunately not the case with private employers.
I want to offer an example so that you go into the new job with a clear understanding of your possible health insurance expenses.
I have insurance through my wife's employer
Our combined deductible is $3500/yr. That means first $3500 of medical/drug expenses each year come out of our pocket. The insurance company does control the max a physician or hospital can charge for a given procedure.
After the deductible is "met" the insurance company pays a large percentage of the cost of the physician services or drug/insulin supply costs.
Our out of pocket max is $5000/yr. That means once we accumulate $5000 dollars in out of pocket medical expense, all in network medical/drug expenses are covered by the insurance company until the following January when the vicious cycle begins again.

Personally I think this is a primative system, but it is a way of life in the US.

Fran

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Old 03-31-2017, 08:04   #13
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Quote:
Originally Posted by Fran_C View Post
Hi Mikael;
I agree with the information posted by others today.
One important additional question for your new employers
What is the deductible on the insurance plans you offer employees AND what is the out of pocket max on the policy.
Normally universities offer very good insurance programs to their employees unfortunately not the case with private employers.
I want to offer an example so that you go into the new job with a clear understanding of your possible health insurance expenses.
I have insurance through my wife's employer
Our combined deductible is $3500/yr. That means first $3500 of medical/drug expenses each year come out of our pocket. The insurance company does control the max a physician or hospital can charge for a given procedure.
After the deductible is "met" the insurance company pays a large percentage of the cost of the physician services or drug/insulin supply costs.
Our out of pocket max is $5000/yr. That means once we accumulate $5000 dollars in out of pocket medical expense, all in network medical/drug expenses are covered by the insurance company until the following January when the vicious cycle begins again.

Personally I think this is a primative system, but it is a way of life in the US.

Fran
Thank you very much, Fran. I was said by my possible employer that I will need to pay about 300$ per month anyway because I'll move with my family and they also, obviously, need an insurance. So, does it mean that in addition to that monthly payment I will also need to pay the deductible from your example? And to be completely sure, insurance will not cover anything unless I will pay 3500$ from my pocket? I just think...what if the payment will be, for example, 500$ (I have no idea about costs in the U.S.), I will have to pay it fully by myself?

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Old 03-31-2017, 13:30   #14
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Hi, the cost of the insurance (in your case $300/month) does not count against the deductible. The amount of the deductible is unique to each insurance policy ( as I suggested, please ask the new employer what YOUR deductible will be)
So in conclusion you are correct the insurance does not pay anything until the deductible is "met"

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Old 03-31-2017, 16:11   #15
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Quote:
Originally Posted by Fran_C View Post
Hi, the cost of the insurance (in your case $300/month) does not count against the deductible. The amount of the deductible is unique to each insurance policy ( as I suggested, please ask the new employer what YOUR deductible will be)
So in conclusion you are correct the insurance does not pay anything until the deductible is "met"
I see...And yes, I understood that the amount of the deductible entirely depends on the insurance. I just simply cannot understand how, for example, I will be able to pay 500$ from my salary
But yeah, thank you, everyone, again! I did not expect so much help here.

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Old 03-31-2017, 17:34   #16
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Yes affordability is the problem. Single payer system is the solution. But it is not going to happen here anytime soon.

Fran

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Old 03-31-2017, 18:20   #17
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Originally Posted by mikael View Post
Thank you very much, Fran. I was said by my possible employer that I will need to pay about 300$ per month anyway because I'll move with my family and they also, obviously, need an insurance. So, does it mean that in addition to that monthly payment I will also need to pay the deductible from your example? And to be completely sure, insurance will not cover anything unless I will pay 3500$ from my pocket? I just think...what if the payment will be, for example, 500$ (I have no idea about costs in the U.S.), I will have to pay it fully by myself?
Again, it depends entirely on your insurance.

As an example, although I have a deductible, for simple things like doctor visits and medications, it doesn't involve the deductible. I pay what is called a co-pay. When I visit my doctor, I pay a flat $25 fee.

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Old 04-01-2017, 18:28   #18
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Again, it depends entirely on your insurance.

As an example, although I have a deductible, for simple things like doctor visits and medications, it doesn't involve the deductible. I pay what is called a co-pay. When I visit my doctor, I pay a flat $25 fee.
That's definitely would make the situation easier...I mean "a co-pay".

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