自付额 (Deductible): 在保险公司开始赔付前,投保人自己要先付的钱,一般按年累计计算。 赔付比例 (co-insurance):保险公司给医疗费赔付的百分比。比如一个保险计划的赔付比例是90%,也就是说当你付完自付额后,你只需要支付医疗账单的10%,保险公司会支付账单的90% 共付额 (co-pay):对某些特定项目(医生问诊、...
美国联邦政府补贴的医疗保险计划(HealthCare.gov) 学生医疗保险(Student Health Insurance) 临时医疗保险(Temporary Health Insurance) 短期医疗保险(Short-term Health Insurance)用于换工作期间,通常开通后等待期短 定额医疗保险(Indemnity Plan)保费便宜,一般用于手术住院等大问题 美国医疗保险理赔模式 美国和中国的医疗体...
Learn the key concepts in health insurance plans, so you’ll be ready to sign up for coverage during open enrollment.
High Deductible Health Plan AHigh-Deductible Health Planis similar to a catastrophic plan in that it enables you to pay less for your health insurance. You have higher out-of-pocket costs when compared to other plans, but it can fall under the category of an HMO, PPO, EPO, or POS plan...
Super Top Up Plan: In a Super Top Up Plan, the insured will pay health insurance deductible before the insurance company picks up the remainder of your bill. The insured is free to choose this threshold value, called “deductible” before any hospitalisation claim up to the limit of Sum Ins...
before your insurance plan starts to pay. For instance, if you have a $1000 deductible, you must pay the first $1000 of your medical expenses before your insurance company covers the rest. It's important to note that higher deductible plans usually have lower monthly premiums and vice-versa...
Sign up for coverage through your state's insurance marketplace or Healthcare.gov. Join your spouse's plan. Sign up for Medicaid if you meet income requirements. Sign up for Medicare if you're 65 or older. COBRA is the easiest but most expensive option for those who have lost employer ...
Health insurance policies can be obtained through various sources, such as employer-sponsored plans, government programs like Medicaid or Medicare, or private insurance companies. The specific benefits and coverage options vary depending on the type of plan and its terms and conditions. ...
A health insurance deductible is the amount of money that an insured person must pay out of pocket every year for eligible healthcare services before the insurance plan begins to cover the costs. The size of the deductible varies depending on the health insurance plan. As a rule, the higher ...
Part of the Series Health Insurance Basics Do you want to save money on your monthly health insurance premiums and have the opportunity to open a health savings account? If so, you’ll need to have a high-deductible health plan (HDHP). Let’s discuss what these plans look like, their...