Healthcare Guide for NRIs - Navigating the U.S. System
Healthcare Advisor - Dr. Rajesh Kumar
December 11, 2025
7 min read
1,347 views
Understanding the U.S. healthcare system and how to navigate it as an NRI. Learn about insurance, finding doctors, and emergency care.
Understanding Health Insurance
Health insurance in the U.S. can be confusing. This guide explains the basics for NRIs:
- Employer-Sponsored Insurance: Most common for H-1B workers
- Marketplace Plans: For self-employed or unemployed
- Student Health Insurance: For F-1 students
- Short-Term Plans: For temporary coverage
Finding Healthcare Providers
Learn how to find doctors, specialists, and hospitals:
- Use insurance provider directories
- Look for doctors familiar with Indian patients
- Check online reviews and ratings
- Ask for recommendations from community
- Consider telemedicine options
Emergency Care
Know what to do in case of medical emergencies:
- Call 911 for life-threatening emergencies
- Go to nearest emergency room
- Keep insurance card with you always
- Understand your insurance coverage
- Know your rights as a patient
Preventive Care
Don't skip preventive care:
- Annual physical exams
- Vaccinations and immunizations
- Screenings and tests
- Dental and vision care