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健康保険について
- #1
-
- ヨウコです。
- 2007/01/07 08:53
健康保険に加入しようとおもっているのですが、
HPOとかPPOとかシステムがよくわからなく あとディダクタブルの説明も代行会社の方に聞いたのですが
ぴんときていません。どなたかアメリカの基本的な保険の仕組みがわかる方、宜しくお願い致します。
- #2
-
- semipermeable
- 2007/01/09 (Tue) 01:57
- Report
会社支給の情報に、違い、メリット・デメリット説明がある筈ですよ。質問があれば人事が答えてくれるんじゃ?
個人購入する場合、どこのプロバイダーのウェブサイトにも記載されてる筈です。概要として、ディダクタブル=自己負担最高額、かな?ディダクタブル設定が$1000なら、それ以下の治療費は全額自己負担、それ以上の場合は、例えば$1010でも$10000でも、自己負担分は$1000。ディダクタブルと月額は相反する。病気がちの方は、低い方が良いかも。チョコチョコっとした診察の度、費用が限度以下なら、毎回全額負担になるので。反対に健康優良なら、医者にも行かないのに、低い限度額分毎月払う事になりかねない。
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