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健康保険について質問
- #1
-
- KzT
- 2011/06/15 22:18
健康保険はどれがいいか誰か知りませんか?
健康保険についていろいろ調べたのですが、Aetna, Blue Cross, Blue Shield, HealthNet, Pacificareといろいろあります。
私が欲しいプランはなるべく月々のPaymentが低いほうを探しています。
Deductable は少々高くてもいいです。
誰かいいアドバイスありませんか?
また健康保険のアドバイザーを知っている人いませんか?
- #2
-
- ウクラ
- 2011/06/16 (Thu) 11:59
- Report
健康保険については、過去にいくつかのトピが立っています
こちらを、まず調べるのが良いのではないでしょうか
または、検索キー欄で"健康保険"と入れて調べるかです
健康状態・年齢・男女・Dental・お産・薬・DRへの訪問Co-payなど、条件が多くて一律に費用が安いからといって満足するものが見つかるとは限りませんLighthouse等に出ている保険のエージェントに聞くのも一つの手です(手数料は不要です)
http://losangeles.vivinavi.com/JA/eb/?Serched=1&Swrite_id=1-01-JA-eb-1295396046-d41d&SOption1=1&SOption2=1-01-JA-eb-1295417041-d41d&SLink=5YGl5bq3IOWBpeW6tyDjgrHjg7PjgrPjgqYg44Kx44Oz44Kz44O8IOS%2FnemZuiDkv53pmbog44Ob44Kx44OzIOODm%2BOCseODsw%3D%3D&skw=%E5%81%A5%E5%BA%B7%E4%BF%9D%E9%99%BA
- #3
-
ところでみなさんは保険はどのように決めていらっしゃるのですか。
1、月々の支払を安くして自己負担を高くする。
2、掛け金を高くして自己負担を低くする。
簡単に決めるとなるとどちらがよいですか。
医者に行くほど悪く無いので1が得に感じますが。
- #4
-
どちらの方針が良いかは人によって、その人の考え方によりますし、年齢にもよると思います。私は以前は、1番の方針でしたが、昨今は多少高い保険料を支払っても免責額やCo-Insuranceなどの自己負担分の低い保険に加入していたほうが得と考えています。ほとんど病気はしませんし持病もありませんが、年に数回医者にかかる診療費と、定期健診の費用を考えると、私の加入しているプランの場合、十分元がとれるうえに、万が一の大きな病気の場合に、貯金をほとんど使わなくてもよいという安心があるからです。しかし、若い人で、経済的にも月々の保険料を安く抑えたい場合、免責額が低くて保険料が高いプランと、免責額が高くて保険料がとても安いプランを比較した場合、どちらのプランでも2011年1月以降のプランは予防医療(定期健診)などは自己負担ゼロですし、万が一、事故や急病で医療費が$2万ドルとか$3万ドルかかるようなことがあった場合には、年間のOut of Pocket Maxはほとんど変わらないはずなので、最終的な自己負担は同じになると思います。また、保険会社にもよりますが、個人用保険の免責額は、最低でも$1000が普通なので、たとえば、免責額$1000のプランと、$5000のプランを比較した場合、おそらく健康な若い人は、低い方の免責額にさえ届かない可能性が高いと思いますので、いずれにしても年に数回医者にかかる程度は全額自己負担、ということになる場合が多いかと思います。それであれば、安いプランに加入しておき、万が一の大きな医療費の場合は、自己負担分(Out of Pocket Max)を払う覚悟だけしておけば、それでよいのではないかと思います。なお、デンタルやビジョンが含まれるプランもあるので、そういう付加価値も検討する必要があります。またもし自営業の方なら、HSA(ヘルスセービングアカウント)が使えるプランを選べば、おそらく保険料も低めで、所得税の節税にもなります。http://www.kenkouhokenusa.com
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