你可以上d health insurance既website睇。美國的health insurance包門診，價錢分別於你選擇HMO (即health group, you need a referral from your primary care doctor to see a specialist), POS (you can choose anyone within your designated health group) or PPO ( you can go to anyone in you network). Prices also vary by how much deductible, copayment and co-insurance amount you have in your policy.
Bay area has Kaiser Permanante health group who have their own HMO insurance. Other insurances are BCBS CA, BC Anthem. You cannot buy insurance directly from the companies, you would have to go through a broker. eHealthinsurance website is reliable. I have bought from them. They also list all the options.
I now have insurance through work, insurance for myself is free, but I have to pay to get my husband and children covered. I have a PPO because my children's doc is not in my HMO plan. I pay 700 a month for my family, but I have a low deductible and coinsurance amount. I am in LA. I know that KP HMO maybe cheapest in bay area.
If your son goes to college , you may be able to get insurance through their student office there. Take a look
Are outpatient visits expensive in US? A typical visit to a family doctor in Hong Kong for common illness such as a flu or sore throat would cost about HK$500 (around US$65) including 3 days of medicine. How much would such visit typically cost in US?
There are insurance policies in Hong Kong that offers international coverage on hospitalization. Outpatient is however not covered. Is there any health plan in US that covers outpatient visits only?
The kids are still in high school and middle school. I don't think schools offer any health insurance?
Do not use HK insurance for US care. Your best bet is to use local US insurance. Office visits are US65-300. General docs are usually 65. My Son's pediatric surgeon charged 225. Local insurance have adjusted rate and then your part to pay. It is much better that way.
Meds are separate from medical consults. That is another reason to get insurance. Look at the websites n you will find the covered benefits, expected coinsurance amount, deductible etc
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