2014年开始，美国政府规定处于0到64岁之间的美国公民和居民都需要购买健康保险。
没有购买的话，会带来每个人$695或者年收入的2.5%（如果这个金额更高的话）的惩罚。如果您居住在加州，而且没有接受或者没有雇主提供的团体健康保险，您可以选择通过保险代理去购买健康保险，或者购买Covered California加州全保的健保计划。
在美国本土的居民可以申请美国的医疗保险。保险公司会提供数量繁多的保险计划去针对不同的家庭和需求，但是自行选择一个适合您的，让您满意的计划却是非常的困难。
Since 2014, the U.S. government has mandated that U.S. citizens and residents between the ages of 0 and 64 need to purchase health insurance.
Failure to make a purchase incurs a penalty of $695 per person or 2.5% of annual income (if the amount is higher). If you live in California and do not receive or do not have employer-provided group health insurance, you can choose to purchase health insurance through an insurance agent, or you can purchase a health insurance plan with Covered California.
Residents in the United States can apply for U.S. health insurance. Insurance companies offer a large number of insurance plans to suit different families and needs, but it is very difficult to choose a plan that suits you and makes you satisfied.
美国互惠财富集团具有专业的医疗保险专员会根据您的具体情况，以最先进的数据分析技术，通过多层风险模型架构测试，来评估您的医疗需求。通过实时对比业内最丰富的合作计划，向您推荐最适合您的医疗保险计划，并耐心热忱的回答您可能的各方面疑惑，以期达到您的保障目标。
Sky Vision Insurance Agcney has professional medical insurance specialists who will use the most advanced data analysis technology to evaluate your medical needs through the multi-layer risk model framework test according to your specific situation. Through real-time comparison of the most abundant cooperation plans in the industry, we recommend the most suitable medical insurance plan for you, and patiently and enthusiastically answer all your possible doubts in order to achieve your protection goals.
保障期限
Warranty period
从投保日起生效
Effective from the date of application
投保年龄
Insurance age
年龄不限
no age limit
服务范围 Service area
- 个人与家庭计划咨询
- 专业Medicare计划申请帮助
- 国际学生，留学生，访问学者保险咨询
- 短期赴美客户（如商业/旅行）保险咨询
- 牙医及视力保险计划咨询
- 实时最新医疗法案相关咨询
- 中小型公司企业规划
- Individual and Family Planning Counseling
- Professional Medicare Program Application
- International Students, International Students, Visiting Scholars Insurance Consulting
- Insurance consulting for short-term U.S. customers (eg business/travel)
- Dentist and Vision Insurance Plan Consultation
- Real-time latest medical bill related consultation
- Business planning for small and medium-sized companies
健康维护组织保险计划（HMO）V.S. 优选医疗机构保险计划（PPO）
健康维护组织保险计划（HMO）
保险计划保费相对比较便宜。这一类的计划针对需要预防性医疗服务的人群。病人看病必须去保险公司网络内的医疗机构，并且如果需要看专科医生的话，需要由指定的家庭医生初步诊断，然后进行转诊。Insurance plan premiums are relatively cheap. This type of program targets people in need of preventive care. Patients must go to a medical institution within the insurance company’s network, and if they need to see a specialist, they need to be initially diagnosed by a designated family doctor and then referred.
优选医疗机构保险计划（PPO）
与HMO计划相比，保费虽然会高于HMO计划，但是PPO计划会更加的具有灵活性和实用性。 PPO保险计划如果选择了网络内医生可以将计划的福利最大化，保险公司会承担大部分的医疗费用。如果因为一些原因不得不选择网络外的医生，保险公司也会支付一定比例的医疗费用。Compared with HMO plans, although the premiums will be higher than HMO plans, PPO plans will be more flexible and practical. PPO insurance plans can maximize the benefits of the plan if you choose an in-network doctor, and the insurance company will cover most of the medical expenses. If you have to choose an out-of-network doctor for some reason, the insurance company will also pay a certain percentage of the medical expenses.
所有健康保险产品All health insurance products
个人及家庭医疗保险 (Personal/Family Health Insurance)
- 需要有SSN（社会安全号）
- 非政府扶助对象
- 牙科/眼科保险（可选）
红蓝卡业务 (Medicare)
- 65岁及以上 或 未够65岁但有残疾的人士可申请
- 新移民（绿卡）在美居住满5年
- 公民无居住要求限制
中小型公司企业规划 (Small to Medium Sized Company Plan
- 健康保险规划
- Payroll规划
留美学生医疗保险 (Foreign Student Health Insurance
- 持F1签证的留学生及其家属
- 符合绝大多数学校对于国际学生医疗保障的要求
短期赴美保险计划(Short Term Travel Insurance Plan)
- 由于旅行或商业目的短期赴美
- 旅游保险（可选）
牙科/眼科保险 (Vision/Dental Insurance)
- 可与个人及家庭医疗保险共同购买
免责声明：限制和例外可能适用。 价格如有变更，恕不另行通知。 我们不保证或担保所提供信息的完整性和正确性，也不对所提供信息所造成的任何损失或损害负责。 请参考实际的保险公司文件或合同，了解参考计划和福利保险的条款，条件，限制或例外。
Disclaimer: Limitations and exclusions may apply. Prices are subject to change without notice. We do not warrant or guarantee the completeness and correctness of the information provided and we will not be liable for any loss or damage arising from the information provided. Please refer to the actual insurance company documents or contracts for the terms, conditions, limitations or exclusions of the referenced plans and benefits.