Some doctors work directly with the insurance company for payment, and others require you to pay and seek reimbursement yourself. Ask about payment arrangements when you receive medical treatment so you know what to expect. Paying for Insurance and Maintaining Coverage You do not have insurance until you complete an insurance application, pay your premium, and have your application accepted by the insurance company. Some policies specify a waiting period before coverage begins. So it is important to purchase insurance immediately upon arrival to the United States.
All policies have an expiration date, when the coverage ends.
Purchase insurance immediately upon arrival to the United States. Renew your insurance before the coverage expires in order to remain insured. If you don t do so, you may have a lapse in coverage, and in some cases you will not be able to purchase insurance, even by paying the premium. Copayment The portion of a covered expense, after the deductible is paid , that must be paid by the insured individual. Any expense for which complete or partial payment is provided under the insurance policy.