Seeing a doctor in the United States is very different from China. Most people will take an insurance card to see a doctor instead of paying by cash. The receptionist at the front desk will make a copy of your card and then input it into the computer. Afterwards, the computer will verify it, and once verified, the medical expenses for this visit will be automatically charged to your insurance company's account, and then the insurance company pays the doctor. This seemingly simple process involves huge operational costs behind it, including professional software, specialized training for front desk personnel, and the entire team operation of the insurance company. Finally, the money you pay to the doctor may not reach his bank account until one or two months later.
Therefore, some hospitals offer a big discount to patients who pay in cash. I think this is considered from the perspective of cash flow. This is why, for having a baby, insurance has to pay $20,000, but cash only needs to pay several thousand dollars.
Can mothers who come to the U.S. to give birth apply for insurance? Of course they can. But they can only apply for certain medical items rather than all medical items because they are not permanent residents or citizens. This is completely legal, unlike the rumors of being illegal. Because this clause is clearly written in the insurance application instructions. Why? Because in the U.S., pregnant women and children are the first group that the country focuses on, regardless of their identity.
Will applying for insurance affect future entry and immigration? My logical reasoning is as follows. First, giving birth in the U.S. , this kind of insurance is part of government welfare. There is no such investigation on the entry application form, which means this is not a factor they need to consider. Besides, when your adult child helps you apply for parent immigration, there is indeed such an investigation item, but will it result in disapproval of your immigration? I don't think so, because in the economic guarantee of immigration, there are many choices, such as using your own assets as guarantee, your child's income guarantee, etc. Moreover, parent immigration and spousal reunion immigration have the first priority right. No waiting period is required, and the conditions are more relaxed than other family-based immigrations.
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