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Health insuranceについて質問があります。
- #1
-
- 保険
- 2019/02/20 13:53
個人で健康保険に入ってます。去年は$283.07を毎月払っていたのですが、今年から約$60も値上がりました。
プランを変えた訳ではないのに、高くなっているのでおかしいなと思い電話して聞いてみたら、毎年金額は変わると言われました。
去年医者に罹った回数も多いのが原因?と訪ねたら違うと言われました。
保険はHealth netです。腑に落ちないのですが、毎月$60も高くなるものなんですかね?
来年は更に高くなる?と聞い所、高くなるかもしれないし、安くなるかもしれないとも言われました。
去年から個人で保険に入ったので、詳しい方がいましたら教えて下さい。
- #3
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多分低所得者用のカバードカリフォルニアからの加入保険でしょ?
保険料は毎年変わります。50歳にも近くなると、同じプランでも月$300くらいあがりますよ。
2019年の値上がりはその前の数年よりはましたっだようです。
そしてカバードカリフォルニアなら、年収か変わるたびに自己負担(政府がかなり払って、収入によって個人も一部負担)が変わります。
もしシルバープランなら、一番安いブロンズに落とせます。これは一番カバレージが低く医者に行くことがほとんどない人に向いてます。
- #4
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- 保険
- 2019/02/20 (Wed) 17:05
- Report
#ぎゅぎゅさん
情報ありがとうございます。毎年月額$50づつ上がるって事は凄い金額になりますよね…
車の保険みたく、前年度に医者に沢山罹ったから今年は値上がったと言われたら納得も出来るんですが…
アメリカの健康保険ってカバーもたいしてしないし、Copay払ったりHigh deductibleだったり本当に嫌です。
保険加入義務なくなったんですね。とは言え何かあった時の為に入っておきたいし。
高いけど払うしかないですね…
- #5
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- 恐ろしい
- 2019/02/20 (Wed) 18:57
- Report
保険さんはお一人で$300超えになるんですか?
そうだとしたらすっごく高いですね。。
こっちの医療費はアホみたいに高額な上、色々とややこしいので、病院行くたび請求金額を知るのが怖いです。明朗会計の日本のシステムが神がかって見えます。
- #6
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- 保険
- 2019/02/20 (Wed) 20:37
- Report
#恐ろしいさん
月額$300超えてます。車の保険より遥かに高いです。去年、個人で加入した時に月額が安いプランを選びました。他はもっともっと高かったですよ。
こんな高い金額を払いながら、クリニックに罹れば又後日ビルが送られて来るってどういうこと事ですか!?と言いたくなります(泣)
- #8
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- 敗北の医療
- 2019/02/21 (Thu) 10:41
- Report
保険料は高くても、やはり持ってないと何かあったときが怖いですよね。それこそ多額の借金を負わされ自己破産になるかも。
最近の話ですが、$700の軟膏がco payで$5になりました。
負担料は少なくて済みましたが保険が無かったらと考えるとゾッとします。
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