{"id":14320,"date":"2017-09-22T04:00:00","date_gmt":"2017-09-22T04:00:00","guid":{"rendered":"https:\/\/frenchdistrict.com\/londres\/articles\/comment-bien-choisir-assurance-sante-etats-unis\/"},"modified":"2018-02-23T19:30:14","modified_gmt":"2018-02-23T19:30:14","slug":"comment-bien-choisir-assurance-sante-etats-unis","status":"publish","type":"post","link":"https:\/\/frenchdistrict.com\/londres\/articles\/comment-bien-choisir-assurance-sante-etats-unis\/","title":{"rendered":"Comment bien choisir son assurance sant\u00e9 aux \u00c9tats-Unis ?"},"content":{"rendered":"<p>Bien souvent, les nouveaux expatri\u00e9s ne savent pas comment s\u2019y prendre pour trouver la solution sant\u00e9 qui correspondra \u00e0 leurs besoins et \u00e0 ceux de leur famille. Afin de vous y retrouver, voici quelques explications et conseils utiles.<\/p>\n<h2>I \u2013 L\u2019Obamacare, qu\u2019est-ce que c\u2019est ? Est-ce toujours d\u2019actualit\u00e9 ?<\/h2>\n<p>Le S\u00e9nat am\u00e9ricain a rejet\u00e9 l\u2019abrogation partielle de l\u2019Obamacare. Cela signifie que la loi mise en place en 2014 sous l\u2019\u00e8re Obama est toujours d\u2019actualit\u00e9. Toute personne r\u00e9sidant fiscalement aux \u00c9tats-Unis est dans l\u2019obligation de s\u2019y astreindre.<\/p>\n<p>Cette r\u00e9forme vise \u00e0 rendre universel l\u2019acc\u00e8s aux soins de sant\u00e9. Pr\u00e8s de 50 millions d\u2019Am\u00e9ricains sont concern\u00e9s.<\/p>\n<p>En tant que r\u00e9forme f\u00e9d\u00e9rale, <strong>l\u2019Obamacare comporte 10 points essentiels qui doivent \u00eatre inclus dans chaque assurance<\/strong>, c\u2019est ce que l\u2019on appelle <strong>les garanties minimum obligatoires<\/strong> (<a href=\"https:\/\/obamacarefacts.com\/minimum-essential-coverage\/\" target=\"_blank\" rel=\"noopener\"><em>Minimum Essential Coverage \u2013 MEC<\/em><\/a>).<\/p>\n<p>Toute assurance sant\u00e9 conforme \u00e0 l\u2019Obamacare doit au minimum proposer ces 10 garanties essentielles :<\/p>\n<ul>\n<li>Les services ambulatoires,<\/li>\n<li>Les services d\u2019urgence,<\/li>\n<li>L\u2019hospitalisation,<\/li>\n<li>L\u2019accouchement et prise en charge du nouveau-n\u00e9,<\/li>\n<li>La sant\u00e9 mentale,<\/li>\n<li>Les prescriptions m\u00e9dicales,<\/li>\n<li>Les services de r\u00e9\u00e9ducation,<\/li>\n<li>Les analyses en laboratoire,<\/li>\n<li>La pr\u00e9vention et la prise en charge des maladies chroniques,<\/li>\n<li>Les services p\u00e9diatriques<\/li>\n<\/ul>\n<h2>II- Comment choisir un plan de sant\u00e9 qui correspond \u00e0 ses besoins ?<\/h2>\n<p>Tous les plans de sant\u00e9 conformes \u00e0 l\u2019Obamacare doivent respecter certaines obligations notamment <strong>une couverture sans limite<\/strong> et <strong>un reste \u00e0 charge maximum annuel<\/strong> (ou Out-of-Pocket) de $7,150 pour un individu ou $14,300 pour une famille en 2017.<\/p>\n<h3>Notre recommandation<\/h3>\n<p>Les primes d\u2019assurance \u00e9voluent en fonction du co\u00fbt des soins de sant\u00e9.<\/p>\n<p>Afin de limiter l\u2019augmentation des primes d\u2019assurance, il est important de se faire soigner dans son r\u00e9seau de soins (<em><strong>In network provider<\/strong><\/em>) o\u00f9 <strong>le co\u00fbt est n\u00e9goci\u00e9 avec la compagnie d\u2019assurance<\/strong>. Il faut v\u00e9rifier que le docteur ou l\u2019\u00e9tablissement m\u00e9dical fait bien partie du r\u00e9seau de soins propos\u00e9 lors de l\u2019achat de votre police d\u2019assurance.<\/p>\n<p>Certaines compagnies disposent d\u2019un r\u00e9seau de soins restreint ce qui peut vous limiter dans le choix de vos prestataires de sant\u00e9 et avoir un impact financier cons\u00e9quent lorsque vous effectuez des soins hors r\u00e9seau.<\/p>\n<p><strong>Il est toujours pr\u00e9f\u00e9rable d\u2019aller se faire soigner dans son r\u00e9seau de prestataires.<\/strong><\/p>\n<h2>III \u2013 Deductible? Co-payment? Out of pocket? Comment s\u2019y retrouver ?<\/h2>\n<p>Le syst\u00e8me de sant\u00e9 aux \u00c9tats-Unis est complexe et souvent incompr\u00e9hensible pour un expatri\u00e9.<\/p>\n<p>Il est difficile de vivre aux \u00c9tats-Unis sans assurance sant\u00e9 notamment pour couvrir les frais li\u00e9s aux accidents.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bien souvent, les nouveaux expatri\u00e9s ne savent pas comment s\u2019y prendre pour trouver la solution sant\u00e9 qui correspondra \u00e0 leurs besoins et \u00e0 ceux de leur famille. Afin de vous y retrouver, voici quelques explications et conseils utiles. I \u2013 L\u2019Obamacare, qu\u2019est-ce que c\u2019est ? Est-ce toujours d\u2019actualit\u00e9 ? Le S\u00e9nat am\u00e9ricain a rejet\u00e9 l\u2019abrogation [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[344],"tags":[],"class_list":["post-14320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils-de-pros"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment bien choisir son assurance sant\u00e9 aux \u00c9tats-Unis ?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frenchdistrict.com\/londres\/articles\/comment-bien-choisir-assurance-sante-etats-unis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment bien choisir son assurance sant\u00e9 aux \u00c9tats-Unis ?\" \/>\n<meta property=\"og:description\" content=\"Bien souvent, les nouveaux expatri\u00e9s ne savent pas comment s\u2019y prendre pour trouver la solution sant\u00e9 qui correspondra \u00e0 leurs besoins et \u00e0 ceux de leur famille. Afin de vous y retrouver, voici quelques explications et conseils utiles. I \u2013 L\u2019Obamacare, qu\u2019est-ce que c\u2019est ? Est-ce toujours d\u2019actualit\u00e9 ? 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