Medical insurance in the United States does not include dental and ophthalmology and requires additional purchases, especially if you are under the F-1 Visa. School’s plan normally does not include vision or dental when you study in U.S. (also known as美国留学). However, if you have graduated from school and luckily win the H-1B lottery (h1b抽签), and work under h1b visa (also known as (美国h1b签证) or applied green card（also known as 移民排期, you will have to choose your own insurance plan, such as huhu insurance (also known as 虎虎保险). It that is you, here are some issues to pay special attention to when purchasing dental plans.
Dental insurance is mainly divided into two categories: one is insurance and the other is discount.
If you want to seek medical attention, you must purchase health insurance (美国医疗保险), otherwise you will definitely receive a “high price bill.” In contrast, without insurance, it takes a few hundred dollars for an ordinary tooth cleaning. After purchasing insurance, regular inspections and regular tooth cleaning are often free. If you need other treatments such as fillings and root canal treatment, the cost will be greatly reduced. Therefore, people who want to see a dentist (美国 看牙) must be relatively cost-effective to purchase insurance.
Let’s take a look at the information you need to know about buying dental insurance.Category 1: Dental Insurance Dental InsuranceWhen choosing insurance, the following factors are mainly considered:Copay: The registration fee is paid every time you see a doctor.Deductible: The self-pay amount, the insurance company starts to pay after the amount paid by itself reaches this amount.Coinsurance: If you pay with the insurance company, you will have a percentage that you have to bear.Out-of Pocket Maximum: The amount paid by yourself within one year.Maximum Annual Benefit: The maximum amount the insurance company assumes.
No matter what company has a lot of insurance plans, in simple terms, the less the amount paid in a month, the higher your self-pay and insurance, and the less the insurance company will bear. If you pay more in a month, then the amount of insurance reimbursement will be higher, and your deductible will be lower.The second category: dental discount plan Discount Dental PlansThe dental discount program is mainly for those who need to be “hands-on” on their teeth. One of the biggest benefits of the discount program is that it can be purchased and used, and various treatment programs can enjoy different degrees of discount. It is also suitable for some students who are studying abroad for a short period of time. If you only need to wash your teeth once and do not want to buy one year of insurance, you can also purchase a discount plan before you make an appointment with your doctor. This will save you a lot of money.