A NEWCOMER’S GUIDE TO U.S. HEALTH INSURANCE AND COSTS

Moving from a country with public healthcare, like Canada, to the U.S. can feel confusing and stressful. In the U.S., you’ll need to choose private insurance, find doctors and hospitals you trust, and budget for medical expenses. Learning how the system works before you arrive allows you to get the care you need without facing unwelcome costs.

1. Understanding U.S. Health Insurance

In the U.S., most people get health insurance from private companies. This might come from your employer, an insurance marketplace, or a private insurer.

• Employer-Sponsored Plans: Your job may offer health insurance and pay part of the monthly cost (premium). You will pay the rest. Ask about details like which doctors are covered and what you pay for visits and prescriptions.
• Marketplace Plans: If your employer doesn’t provide insurance, you can buy your own through the Health Insurance Marketplace. Plans are split into levels—Bronze, Silver, Gold, and Platinum—so you can compare prices and coverage.
• Medicaid and CHIP: If you have a low income, you or your children may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). Eligibility varies by state.

2. Comparing Insurance Plans

When looking at plans, focus on these factors:

• Premiums: The monthly cost you pay, even if you don’t see a doctor.
• Deductibles: How much you must pay yourself before insurance starts helping. Lower premiums often mean higher deductibles.
• Co-Pays and Coinsurance: The set fee or percentage you pay for each visit or prescription after meeting your deductible.
• Provider Networks: Plans have “in-network” doctors and hospitals that cost less. Check the insurer’s website to make sure your preferred doctors are in-network.
  For quick comparisons, try eHealth Insurance or visit insurance company websites directly.

3. Finding Good Doctors and Hospitals

Quality can vary a lot, so do some homework:

• Online Reviews: Sites like Healthgrades or Vitals let you see ratings and patient reviews.
• Insurance Tools: Your insurance company’s website often has a tool to find in-network providers.
• Personal Referrals: Ask people you know in your area for their recommendations.

4. Understanding Costs You Pay Yourself

Health care often costs more out-of-pocket in the U.S. than in countries with public care:

• Deductibles and Co-Pays: Expect to pay some money each time you get care.
• Prescription Costs: Medicines can be pricey. Look for discounts on GoodRx or ask your doctor about cheaper alternatives.
• Specialist Visits and Surgeries: These can be expensive. Always ask about costs beforehand.
  Set aside money each month to cover these costs. If your employer offers a Health Savings Account (HSA) or Flexible Spending Account (FSA), use it to save on taxes when paying for medical bills.

5. Adjusting Your Expectations

U.S. healthcare can seem complicated and costly, but you can manage it by being informed:

• Research: Visit HealthCare.gov to learn about plan options and how to sign up.
• Ask Questions: Talk to insurance reps, your employer’s HR department, or a professional advisor if you need help.
• Prevention: Regular check-ups and vaccines can help you avoid bigger bills later.

In Summary

Moving from a public healthcare system to a private one can be challenging. But by comparing insurance plans, choosing the right doctors, and planning for costs, you’ll be better prepared. With the right information, you can get quality care in the U.S. without too many surprises.

About Sparta Movers
If you are reading this article, the chances are you are considering relocating from Canada to the US.

With decades of experience, Sparta Movers will help you with planning as well as an execution of your cross-border move.

Sparta Movers is a trusted name in the moving industry, dedicated to providing top-notch services to individuals as well as businesses. Our knowledgeable team prides itself on ensuring that each move is seamless, efficient, on time, on budget and stress-free. 

Sparta Movers is a full-service moving & storage company, which is certified by the Canadian Association of Movers, recommended by Bryan Baeumler, an A+ rated by Better Business Bureau (BBB), and an active member of Chamber of Commerce.Sparta Movers is an agent of Atlas Van Lines, a major player in the moving industry in North America. Atlas Van Lines has a long-standing reputation for providing high-quality local, long-distance and International moving services since 1963.

We understand the challenge of finding a moving company that operates with integrity, courtesy and honesty. We are proud to be that professional moving company! We are here to deliver uncompromising quality and excellent service!

To learn more about our services and how we can make your next move a success, visit our website https://spartamovers.com/canada-to-usa-moving/ and get in touch with our dedicated team today!