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Home / Insurance News / 奥巴马健保专栏 / 关于健康保险的 5 点须知

关于健康保险的 5 点须知

Posted by Atlanta MY Insurance Group on October 6, 2014

1, 健康保险有很多种。不同种类的保险单提供不同种类的福利,有些会限制您使用哪些医生、医院,药房。

2. 您在享受医生会诊、医院门诊就诊或医药处方等医疗服务时将需要支付相应份额的费用,即共同保险( Coinsurance)或共同支付( Copayment)。共同保险通常是按比例支付(例如总费用的 20%)。共同支付通常是固定金额,例如每份药方或每次去诊所就诊支付10 美元或 20 美元。

3,在保险公司为您的医疗保健服务支付费用前,您每年需要支付自付额,或叫免赔额( Deductable)。例如,假设免赔额为200美元。您去了急诊室,总费用为1,250美元。您需要先支付200美元作为免赔额,之后保险支付相应的份额。

4,健保计划与医院,医生,药店以及医疗保健提供商网路签有合约,他们为加入计划的人提供保健服务。根据您购买的保单类型,您的计划可能仅支付您在计划网路内的提供商处获得保健服务产生的费用。否则,如果网路外的提供商,您需要支付账单中的较大份额。

5,您可能会看到一些看起来和听起来都像健康保险的产品,但这些产品不提供全额健康保险提供的相同保护。例如只为某些疾病承保的保单,只在您在事故中受伤时承保的保单或提供医疗服务折扣的计划。请勿将类似保险的产品误认为是提供综合保护的全额保险。

如有任何问题,欢迎来电杨枚保险事务所770-986-6998 (周一至周五, 9am—6pm)。手机短信(微信) :770-778-3428.

Filed Under: 奥巴马健保专栏

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