In the United States, the health system is private, which is why insurance is required to cover people for them to face expensive hospital debts. Marival Insurance works with the Health Insurance Market, an entity that provides the low-income population with a subsidy to help them pay monthly premiums and make copays affordable to their pocket. All medical insurances obtained through the Market, obviate the pre-existing medical conditions that clients may suffer. There is no discrimination to provide insurance to anyone. Anyone can enroll from November 1 to December 15, and apply for help if they qualify, or pay the monthly premium in full if they don’t. Outside of the enrollment period, those who are eligible for a special period may also enroll.
There are options with private health insurance companies, which include temporary plans, not necessarily one year, but also 3 and 6 months. They are not as cheap as the so-called Obamacare, but people can enroll in any month they want and the network of providers it covers is very wide. Some of them accept people without social security.
We also work with supplementary insurance. As its name implies, they are a support for health insurance. For example, there are supplementary insurance against accidents, through which the insured person who goes to the hospital for this matter, will receive, depending on the severity of the accident, the hours or days spent in the hospital, compensation of up to $ 5,000, which would cover the deductible for some medical insurances, or if your deductible is zero dollars, the $5,000 could be used to mitigate the time you will be out of work due to the accident of which you were a victim. Insurance against hospitalizations and serious illnesses work in this same way.
Among the supplementary insurances, there are also others not less important, such as dental, which offers different offers to clients, some with an open network of providers. These insurances cover up to $ 1,000 in the year for basic and major procedures such as fillings, crowns, extractions, among others.
The spectrum covers everyone, from childhood to old age, because although we are in good health and excellent physical condition, no one is exempt from having an accident, a heart attack, or even the flu. Experts recommend that every year people should at least have a blood check, and in the case of women, together with this test, a mammogram (if over 35 years of age) and cytology (if over 25).