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医療保険
- #1
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- keropiyo
- 2005/11/21 00:58
またまた現地の皆様のご意見を頂戴したく、投稿しております。この度、主人の赴任に伴い医療保険の加入をするにあたり、PPOプランとHMOプランというのを会社の方から提示されました。小さな子供がいる関係上、頻繁に病院を利用する可能性があるので、どちらを選べばよいかとても迷っています。私の気持ち的には支払いの安い方であるHMOプランを選択したいのですが、HMOプランというのは、ホームドクターを通して治療を受けるという事ですが、それって不便ですか?もしその医者があまり信用できなかったり、相性が悪かったらどうなるのですか?そして、PPOプランでは、90%保険でカバーされるという事なのですが、たとえ10%でもアメリカの医療費は高いと聞きますので、毎回高額を支払う事になりませんか?教えて下さい!宜しくお願いします。
- #2
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HMOの場合はやっぱり不便だと思います。Primary Doctorを選んでその先生のMedical Group内のドクターならいいのですが、そのMedical Group以外のドクターや病院に行きたい場合などは保険が効かなくなるか、自己負担がものすごく増えるはずです。PPOの場合は保険会社のNetwork内のドクターなら勝手に行くことが出来ます。負担額もPPOの場合で90%カバーされるのでしたらかなり良いプランだと思います。Network内のドクターなら保険会社との提携料金での10%の負担でしたらそれほどはないと思います。もちろん大きな病気や治療でしたら違いますけど。PPOの方が良いとは思いますが、お子様が小さいのであれば基本的には小児科のドクターが主でしょうからその場合はHMOでも良いかとは思います。ご夫婦はPPO,お子様はHMOということもできるのではないかと思います。後で保険のタイプの変更も可能かもお聞きになった方が良いですよ。HMOのPrimary Doctorの変更も可能だとは思います。昔。私は保険の仕事をしてました。
- #3
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- keropiyo
- 2005/11/28 (Mon) 01:30
- Report
morningさんアドバイス有難うございます。子供と大人を分けるという発想はありませんでした。参考になりました。
- #4
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私はPPOを使っていました。
Network内でしたら10%、Network外ですと20%負担になりました。この違いによってDeductableも違ってくるのでどちらの医者にかかるかで支払額はかなり違います。PPO内の主治医であっても、血液検査とかいろんな外部の専門の医者や医療機関を利用することがあるときは、それぞれがPPO内かPPO外かによって医療費に差が出てきます。いろんな検査をする場合主治医によってはお願いすればすべての医療行為にPPO内の専門機関をつかってくれる場合もありますが、希望を出せない医者もいますので十分注意する必要があります。まれにPPO内の医者でも保険会社との契約上更新手続きを忘れている医者の場合ある時期PPO外のステータスになっていることもあるので、十分確認したほうが良いと思います。
とにかく米国の医療保険制度は複雑なので医者に振り回されない様にしたほうがいいですよ。
Posting period for “ 医療保険 ” has been closed.
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