당신은 주제를 찾고 있습니까 “카이저 보험 한국어 – 카이저 병원, 한인의사 찾아보기 Kaiser provider search“? 다음 카테고리의 웹사이트 https://you.pilgrimjournalist.com 에서 귀하의 모든 질문에 답변해 드립니다: https://you.pilgrimjournalist.com/blog. 바로 아래에서 답을 찾을 수 있습니다. 작성자 Gene Song 이(가) 작성한 기사에는 조회수 3,546회 및 좋아요 28개 개의 좋아요가 있습니다.
Table of Contents
카이저 보험 한국어 주제에 대한 동영상 보기
여기에서 이 주제에 대한 비디오를 시청하십시오. 주의 깊게 살펴보고 읽고 있는 내용에 대한 피드백을 제공하세요!
d여기에서 카이저 병원, 한인의사 찾아보기 Kaiser provider search – 카이저 보험 한국어 주제에 대한 세부정보를 참조하세요
카이저 보험 한국어 주제에 대한 자세한 내용은 여기를 참조하세요.
2022년 카이저 건강보험 (Kaiser Permanente)
스카이라인 보험은 건강보험 전문 에이전시며 한국어 에이전트를 보유하고 있습니다. 저의 회사 에이전트들이 최근에 늘어난 커버드 캘리포니아 보조금 및 …
Source: www.skylinebenefit.com
Date Published: 11/22/2022
View: 5785
Kaiser Permanente 의료비 지원(MFA) 프로그램
O 가입자 부담 비용에는 코페이 , 공동보험금 ,. 공제금 비용이 포함됩니다 . O 가입자 부담금에는 월 보험료처럼 귀하의 건강. 플랜 자체 …
Source: about.kaiserpermanente.org
Date Published: 11/21/2022
View: 7825
마일모아 게시판 – Kaiser 건강 보험 어떤가요? – MileMoa.com
그중 Kaiser 라는 회사의 보험료가 비슷한 deductible 과 out of pocket … 또한 카이저 병원 내의 모든 의사/시설 등은 카이저 보험 하나로 처리가 …
Source: www.milemoa.com
Date Published: 2/24/2022
View: 2389
Top 7 카이저 보험 한국어 The 109 Detailed Answer
Kaiser 보험 우리집 플랜 공개해요.(미국의료보험) : 네이버 블로그. Article author: m.blog.naver.com; Reviews from users: 7836 ⭐ Ratings …
Source: 1111.com.vn
Date Published: 1/3/2022
View: 5604
Top 18 카이저 보험 한국어 The 183 Correct Answer
Summary of article content: Articles about 카이저 보험 한국어 Kaiser Permanente Medicare Advantage Value VA (HMO) … $5,700. 파트 D 처방약 보장.
Source: aodaithanhmai.com.vn
Date Published: 5/16/2022
View: 8252
Kaiser 보험 우리집 플랜 공개해요.(미국의료보험) – 네이버 블로그
이번 포스팅에서 친절하게 영문을 한글로 안달아드린 이유는… 직접 모두 알고 계셔야 하고, 직접 공부하셔야 할 내용이며,. 제가 알려드린다고 그게 100 …
Source: m.blog.naver.com
Date Published: 9/19/2022
View: 8432
카이저 보험 가지고 계신분?? 도와주세요 – JobKoreaUSA
카이저 보험을 사용하게 된지 1달 정도 되었습니다. 귀가 아파서 병원에 갔는데 의사 선생님이 알레르기 같다며 알레르기 약을 1달치 지어 주셨습니다 …
Source: jobkoreausa.com
Date Published: 4/10/2022
View: 6119
남부 캘리포니아의 카이저 퍼머넌트 – Beacon Health Options
EAP – 24-7-888으로 전화하여 Kaiser Permanente National EAP Prover Line 677/9993에 문의하십시오. ProverConnect – EDI 헬프데스크 888-247-9311(동부 표준시 기준 …
Source: www.beaconhealthoptions.com
Date Published: 6/11/2022
View: 5359
“메디케어 갱신 이것만은 아셔야” – 미주 한국일보
오는 15일부터 내년도분 메디케어 보험 갱신이 시작되는 가운데 한인 시니어 … 또한 카이저 퍼머넌트(Kaiser Permanente)보험사도 내년부터는 킹ㆍ …
Source: m.koreatimes.com
Date Published: 3/7/2022
View: 904
주제와 관련된 이미지 카이저 보험 한국어
주제와 관련된 더 많은 사진을 참조하십시오 카이저 병원, 한인의사 찾아보기 Kaiser provider search. 댓글에서 더 많은 관련 이미지를 보거나 필요한 경우 더 많은 관련 기사를 볼 수 있습니다.
주제에 대한 기사 평가 카이저 보험 한국어
- Author: Gene Song
- Views: 조회수 3,546회
- Likes: 좋아요 28개
- Date Published: 2015. 1. 15.
- Video Url link: https://www.youtube.com/watch?v=TuplLR1aF1s
Kaiser 건강 보험 어떤가요?
그동안은 주로 PPO Plan 인 Premera 또는 Regence 회사의 건강 보험을 이용했습니다.
그런데 내년 보험료가 많이 인상되어서 아무래도 PPO 보다는 그나마 저렴한 HMO plan 으로 변경을 고려하고 있는데요.
그중 Kaiser 라는 회사의 보험료가 비슷한 deductible 과 out of pocket maximum 을 놓고 비교했을때 월등하게 저렴한 가격으로 나오더라구요.
저희는 이 보험이 처음이고, 주위에 수소문해봐도 제가 아는 분들은 이 보험을 사용하고 계신 분들이 없으셔서요…
가입전에 실제로 사용하고 계신 분들의 솔직한 리뷰를 듣고 싶어서 고민끝에 이렇게 글을 올리게 되었습니다.
참고로, 저희 부부는 1년에 한번 yearly checkup 과 flu shot 맞을때만 병원에 방문하는, 아직까진 건강한 편이구요. 따로 처방받아 먹는 약도 없습니다. 다만, 내년에 남편이 50세가 되면서 preventive 로 커버되는 대장내시경 후에 결과에 따라 용종 제거 및 치질 수술을 받아야 할 수도 있어서 이부분에 대한 커버리지 및 의사/병원 예약 및 수술 용의성, deductible 과 out of pocket maximum 등을 중점으로 저희에게 적합한 보험을 찾고 있습니다.
보험사마다 plan 도 다양하고 커버리지도 다양하지만, 그래도 Kaiser 보험사를 통한 건강보험의 이용후기를 나눠주시면 많은 도움이 될 것 같습니다.
Top 7 카이저 보험 한국어 The 109 Detailed Answer
3년 만에 다시 돌아온 카이저라이히 독일 플레이 1화(하츠오브아이언4)
3년 만에 다시 돌아온 카이저라이히 독일 플레이 1화(하츠오브아이언4)
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Kaiser 건강 보험 어떤가요
Kaiser 보험 우리집 플랜 공개해요(미국의료보험)
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카테고리 이동
큐티식스 6등신의 일기장 (Holly’s 랄랄라 랄랄라)
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카이저 병원, 한인의사 찾아보기 Kaiser provider search
카이저 병원, 한인의사 찾아보기 Kaiser provider search
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카테고리 이동
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통합회원 전환 안내
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의료보험 HMO PPO 커버드캘리포니아보험
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See more articles in the same category here: 295+ tips for you.
오늘은 간단하게 보험이야기.
그렇게 거창하게 자세하게 설명할만큼 잘 알진 못하니까..
우리집 보험만 간략하게 포스팅합니다 .
원래 북캘리포니아 살때는, Blue shield PPO 를썼는데
남캘리로 회사 이직으로 이사오면서 Kaiser 로 바꿔보았습니다. 일단.. 집에서 제일 가까운 병원이 Kaiser 라는 단순한 이유로 선택했는데, 생각보다 혜택이나 병원 서비스가 더 편하네요.
아래는 KAiser 카이저 병원의 재단 홈페이지입니다.
대부분의 서비스를 홈페이지에서 편하게 이용할수 있어요.
예 : 진료예약, 의사찾기, 예약변경, 예약취소, 개인정보 수정, 각종 예방접종 관리, 등등등..
피검사나 초음파 같은 검사를 한 결과도, 우편으로 날아오는 동시에, 홈페이지 본인의 계정 메시지에도 딱 들어와 있습니다.
다만, Kaiser 카이저는 아래와 같이 제한된 지역에만 있는 병원입니다.
그리고 지역마다 플랜과 금액, 적용범위 등등이 다를수 있습니다.
미국은 주마다 법과 세금이 달라요.
미국 의료보험은 민간의료보험이 주체이고, 보험회사가 여러개입니다.
그중에서 개개인은 보험회사를 선택하고, 다시 그 보험회사에서 제공하는 여러가지 플랜 중에서 가장 적합한 것으로 골라서 가입하게 됩니다. 일반적으로, 보험회사와 계약이 되어 있는 병원에 갈때만 보험적용이 됩니다.
한국에 비해 많이 불편하고, 비싸다는거, 괴담이 아니라 진실이랍니다.
일반적인 의료보험은 PPO vs HMO 로 플랜이 크게 나뉩니다
PPO : 보험회사와 계약이 체결된 병원과 의사들에게 진료과목에 관계없이 언제든지 갈수 있지만 보험료가 더 비쌉니다.
HMO : 선불방식으로 가입자가 보험료를 년회비 또는 월회비로 일정액을 선납하고 그 범위내에서 의료서비스를 받는 것이랍니다. 의료서비스를 받을 수 있는 의료기관과 의사가 특정지역으로 한정이 된답니다.
우리집 보험 플랜이름 : Kfhp 1000/Hmo Plan 3046571
아래는 홈페이지에서 전체를 가져왔습니다. 참고 되시길…
주부/여성분들이나 이민자 분들이 제 블로그에 찾아와주시는거 같애서, 산부인과/불임 관련 하이라이트 해드렸어요 ^^
Partial information about the benefits covered under your plan is listed below. If there’s a discrepancy between what’s displayed on this page and the current Evidence of Coverage (EOC) for your plan, theEOC will govern. Please refer to your EOC for a complete description of your benefits. Kaiser Permanente reserves the right to make determinations about your coverage based on the benefits information and all other terms and conditions set forth in the EOC for your plan.
Type Account MOOP Patient MOOP CA COMMON MOOP $3,000.00 $1,500.00 Maximum Out of Pocket (MOOP) Expenses
Type of Service Copay or Coinsurance Professional Services (Plan Provider Office Visits) Primary Care 20.00 copay No Payment Specialty Care 20.00 copay No Payment Provider Group Visit 10.00 copay No Payment Routine Physical No Payment Well Baby/Child (0-23 Months) No Payment Eye (Refraction) Exam No Payment Hearing Exam/Test No Payment Family Planning Counseling No Payment Scheduled Prenatal Care Visits No Payment First Postpartum Visit No Payment Physical, Occupational, and Speech Therapy Visit 20.00 copay No Payment Dialysis Related Office Visit No Payment Care Management Visit No Payment Case Management Visit No Payment Medical Nutrition Group Therapy for Diabetes and Renal Disease 10.00 copay No Payment Medical Nutrition Individual Therapy for Diabetes and Renal Disease 20.00 copay No Payment Outpatient Services Allergy Injections 5.00 copay No Payment Allergy Testing 20.00 copay No Payment Chemotherapy No Payment Diagnostic Colonoscopy 20.00 copay No Payment Screening Colonoscopy No Payment Day Surgery Transgender Not Covered Dialysis Care 20.00 copay No Payment Imaging (X-rays) No Payment Immunizations No Payment Infusion Therapy Services No Payment Laboratory Services for Preventative Care No Payment Laboratory Tests No Payment MRI, PET, CT Scan No Payment Outpatient Surgery (including Conscious Sedation) 20.00 copay No Payment Radiation Therapy No Payment Special Procedures No Payment Tuberculosis Testing (PPD) No Payment Ultraviolet Light Treatment No Payment Vascular/Peritoneal Access No Payment Preventative Services Routine Physical No Payment Well Baby/Child (0-23 Months) No Payment Eye (Refraction) Exam No Payment Family Planning Counseling No Payment Hearing Exam/Test No Payment Immunizations No Payment Laboratory Services for Preventative Care No Payment Office Dispensed Contraceptive No Payment Preventative Services Imaging (includes Preventative Mammograms) No Payment Scheduled Prenatal Care Visits No Payment Sigmoidoscopy Screening No Payment Tuberculosis Testing (PPD) No Payment Imaging and Laboratory Imaging (X-rays) No Payment Preventative Services Imaging (includes Preventative Mammograms) No Payment MRI, PET, CT Scan No Payment Laboratory Services for Preventative Care No Payment Laboratory Services for Dialysis No Payment Laboratory Tests No Payment Bone Density CT Screening No Payment Bone Density Imaging Screening No Payment Barium Enema No Payment Diabetes Screening Test & Cardiovascular Screening Tests No Payment Vascular/Peritoneal Access No Payment Therapy/Rehab Multidisciplinary Rehabilitation – Inpatient 250.00 copay No Payment Multidisciplinary Rehabilitation – Outpatient 20.00 copay No Payment Musculoskeletal Therapy Not Covered Physical, Occupational, and Speech Therapy Visit 20.00 copay No Payment Vision Service Eye (Refraction) Exam No Payment Lenses for Aniridia No Payment Lens Fitting for Aniridia No Payment Lenses for Aphakia (0-9 yrs) No Payment Lens Fitting for Aphakia No Payment Women’s Health Services Office Dispensed Contraceptive No Payment Scheduled Prenatal Care Visits No Payment Fetal Non-Stress Test 20.00 copay No Payment First Postpartum Visit No Payment Elective Termination of Pregnancy 20.00 copay No Payment Therapeutic Abortion 20.00 copay No Payment Inpatient Obstetrical Care and Delivery 250.00 copay No Payment Family Planning Services Family Planning Counseling No Payment Office Dispensed Contraceptive No Payment Office Visit Sterilization 20.00 copay No Payment Elective Termination of Pregnancy 20.00 copay No Payment Infertility Treatment Infertility Office Visits 20.00 copay No Payment Infertility Imaging (X-rays) No Payment Infertility Laboratory Tests No Payment Infertility Special Procedures No Payment Infertility Outpatient Surgery 100.00 copay No Payment Infertility Hospital Inpatient Care 250.00 copay No Payment Health Education Health Education Group Visit No Payment Health Education Individual Visit No Payment Smoking Cessation No Payment Diabetes Self-Management Individual Training No Payment Hospitalization Services Hospital Inpatient Care 250.00 copay No Payment Inpatient Obstetrical Care and Delivery 250.00 copay No Payment Multidisciplinary Rehabilitation – Inpatient 250.00 copay No Payment Hospital Inpatient Care Transgender Not Covered Bariatric Surgery (Inpatient) 250.00 copay No Payment Inpatient Detoxification 250.00 copay No Payment Inpatient Psychiatric Care (Parity) 250.00 copay No Payment Inpatient Psychiatric Care (Non-Parity) 250.00 copay No Payment Emergency Health Coverage Emergency Care (waived if admitted) 50.00 copay No Payment Emergency Department Observation Only 50.00 copay No Payment Urgent Care 20.00 copay No Payment Mental Health Service Medication Management 20.00 copay No Payment Group Therapy (Non-Parity) 10.00 copay No Payment Group Therapy (Parity) 10.00 copay No Payment Individual Therapy (Non-Parity) 20.00 copay No Payment Individual Therapy (Parity) 20.00 copay No Payment Inpatient Psychiatric Care (Non-Parity) 250.00 copay No Payment Inpatient Psychiatric Care (Parity) 250.00 copay No Payment Mental Health Additional Group Therapy Not Covered Mental Health Intensive Outpatient Care No Payment Psychological Testing 20.00 copay No Payment Chemical Dependency Group Treatment 5.00 copay No Payment No Payment Individual Treatment 20.00 copay No Payment Day Treatment 5.00 copay No Payment No Payment Intensive Outpatient Program 5.00 copay No Payment No Payment Inpatient Detoxification 250.00 copay No Payment Durable Medical Equipment/Orthotics DME Basic Healthplan List 20.00% coins DME Knox Keene Mandated Items 20.00% coins Durable Medical Equipment Formulary 20.00% coins P&O Basic Healthplan List No Payment P&O Base Knox Keene Mandated Items No Payment Prosthetic and Orthotic Formulary No Payment Diabetes Testing Supplies and Equipment 20.00% coins P&O Special Footwear For Foot Disfigurement No Payment Other Hospice Care No Payment Hearing Aid Battery Not Covered Hearing Aid Not Covered Ear Mold Not Covered Optical Cosmetic Contact Lens Not Covered Optical Eye Wear Not Covered Optical Allowance Not Covered Optical Low Vision Device Not Covered Optical Eyeglasses Lenses Not Covered Post Cataract Surg. Lens; Frames; Contacts Not Covered Additional Information
Glossary
Of eligibility and benefits terms
deductible
Account(also known as Family Deductible):
The amount a family must pay in a calendar year for certain services before they receive the Copayment or Coinsurance benefits. To find out which services are subject to a Deductible (if any), please refer to your Evidence of Coverage.
Coinsurance:
A percentage of charges that you must pay when receiving a covered service as listed in the “Copayment and Coinsurance” section of the applicable Evidence of Coverage. For a complete list of cost sharing, please refer to your Evidence of Coverage.
Copay (copayment):
A fixed amount a member pays when receiving a covered medical service or prescription. For example, a member might pay $10 for each office visit and $100 for each day in the hospital. Copayments vary depending on the member’s plan.
Classic Plan or Traditional Plan:
When a service applies to the maximum out-of-pocket expenses, you pay the Copay until you reach this maximum and then the services are covered at no charge. For more information, please refer to yourEvidence of Coverage.
Deductible Plan:
When a service is subject to a deductible, you pay the Copay once you have met the deductible. If the service applies to the maximum out-of-pocket expenses, you then pay the Copay until you reach this maximum and then the services are covered at no charge. For more information, please refer to yourEvidence of Coverage.
Deductibles:
A predetermined amount a member pays during a contract year for covered health care services before the health plan will cover those services.
For example, if a member’s deductible is $500 for the contract year and the member has received Kaiser Permanente services with charges totaling $200, because the charges are less than the Deductible, the member will pay the entire $200 out-of-pocket. If the member then receives a service with a $1,000 charge, the member pays the $300 remaining on the Deductible, while the health plan covers the remaining $700 (less any applicable copayments or coinsurance). Thereafter, the member pays only applicable copayments and coinsurance for services.
Effective date:
The first date that the Kaiser Permanente health insurance policy is in effect.
Evidence of Coverage:
Describes Kaiser Permanente’s Health Care Coverage with specific details for your plan type.
For employer group plans, your Evidence of Coverage can be obtained from your employer. For individual plans, the booklet is mailed to you when you join the plan. If you do not have your booklet, please check with your employer or contact:
Member Services Call Center: 1-866-365-9527 (toll free)
TTY for the hearing/speech impaired: 1-800-777-1370 (toll-free)
Hours:
Monday through Friday, 7 a.m. to 7 p.m. Pacific Time
Weekends, 7 a.m. to 3 p.m. Pacific Time
Group:
The name of the entity through which the member is enrolled. The member can be enrolled through an employer “group” or through an individual plan.
Maximum Out-of-Pocket (MOOP) expenses:
The maximum amount a member will pay for eligible services in a year. For example, the total of an individual’s Deductible, Coinsurance, and Copayments may be limited to a maximum out-of-pocket amount of $2,000 per year. The health plan pays 100 percent of costs above that amount. Payments a member makes for noncovered services do not apply toward the Maximum Out-of-Pocket.
Patient deductible
(also known as Individual deductible):
The amount an individual must pay before he or she receives benefits under the Copayment or Coinsurance. To find out which services are subject to a Deductible (if any), please refer to yourEvidence of Coverage.
Payor:
The insurance program or company the member is covered under.
Plan:
A package of health care benefits and services.
Type of service:
Health care services or items (such as office visits or prescriptions).
혹시 본인의 지역에서 가입가능한 의료보험을 알아보시려면 http://www.healthcare.com/ 여기서 본인 사는 지역 Zip 코드 넣어보세요.
Individual/FamilyGroupStudentMedicare SupplementalShort TermDental http://www.healthcare.com/home/images/banners/bg-forms2.png); font-weight: bold; width: 120px; padding-top: 6px; padding-right: 6px; padding-bottom: 6px; padding-left: 6px; text-align: center; ” /> Powered by HealthCare.com
http://healthcare.com/serps/t20120208/control/control.html ” id=”insurance_search” style=”margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; “>
그럼 아래와 같이 쭉 뜰꺼예요. 대충 참고만 하시고, 직장/학교에따라서 계약되어 있는 보험사들이 있습니다. 학생이나 직장인, 혹은 그 가족은 그중에서 골라서 가입하시면 됩니다 ㅎ
Available Plans in CA:
영어가 울렁거리신다구요 ? …
이번 포스팅에서 친절하게 영문을 한글로 안달아드린 이유는…
직접 모두 알고 계셔야 하고, 직접 공부하셔야 할 내용이며,
제가 알려드린다고 그게 100% 맞아 떨어지지도 않기 때문입니다.
미국에서 의료보험은 주마다, 플랜마다, 컨디션에따라 모두들 다릅니다.
누가 미국가려는데 의료보험 어떻게 하나요 ? 라고 물으면.. 대답을 해드릴수 없는것도 그것때문이랍니다.
공부하셔야해요. 미국은.. 아는만큼, 공부한만큼 손해보지 않는 사회예요 . 특히나 의료비/보험료는 더더욱!!
2중청구나 과다청구사례가 가장 빈번하게 일어나는게 의료비와 보험료입니다.
모르면.? 걍 내는거예요. 이게 몇십달러 수준이면 .. 그래요.. 걍.. 몰라도 손해 별로 아니죠.
하지만.. 이단위가 아주 커집니다. 그러므로 공부해야 한다는겁니다.
한국어로 된 위키백과에 설명된
http://ko.wikipedia.org/wiki/%EB%AF%B8%EA%B5%AD_%EC%9D%98%EB%A3%8C%EB%B3%B4%ED%97%98
아래는 몇몇 보험회사의 홈페이지입니다. 개인보험의 보험료 견적을 뽑아볼수 있어요 .
blue shield https://www.blueshieldca.com/bsca/find-a-plan/home.sp
Kaiser Permanente http://kpif.kp.org/pages/97797/?WT.mc_id=97797&WT.srch=1&WT.seg_1=PF-4-sSmkw8WRg-pcrid-19480616273-medical%20insurance-b
http://www.anthem.com/ca/health-insurance/home/overview
그리고 아래는 AIM 이라고 알려져 있는 캘리포니아의 아기&엄마를 위한 정부제공 저렴보험입니다.
http://www.aim.ca.gov/Home/default.aspx
Income Guidelines
(for April 1, 2012 to March 31, 2013)
AIM Family Size (count pregnant woman as 2) Monthly Household Income (Gross income after AIM deductions) Total Cost of AIM Coverage (1.5% of adjusted annual household income) 2 $2,523 to $3,784 $454 – $681 3 $3,183 to $4,774 $573 – $860 4 $3,843 to $5,764 $692 – $1,038 5 $4,503 to $6,754 $811 – $1,216 6 $5,163 to $7,744 $930 – $1,394 7 $5,823 to $8,734 $1,048 – $1,572 8 $6,483 to $9,724 $1,167 – $1,751 9 $7,143 to $10,714 $1,286 – $1,929 10 $7,803 to $11,704 $1,405 – $2,107 Each Additional Family Member $661 to $991 $119 – $179
* A pregnant woman counts as a family of two.
Top 18 카이저 보험 한국어 The 183 Correct Answer
카이저 병원, 한인의사 찾아보기 Kaiser provider search
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큐티식스 6등신의 일기장 (Holly’s 랄랄라 랄랄라)
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See more articles in the same category here: 295+ tips for you.
오늘은 간단하게 보험이야기.
그렇게 거창하게 자세하게 설명할만큼 잘 알진 못하니까..
우리집 보험만 간략하게 포스팅합니다 .
원래 북캘리포니아 살때는, Blue shield PPO 를썼는데
남캘리로 회사 이직으로 이사오면서 Kaiser 로 바꿔보았습니다. 일단.. 집에서 제일 가까운 병원이 Kaiser 라는 단순한 이유로 선택했는데, 생각보다 혜택이나 병원 서비스가 더 편하네요.
아래는 KAiser 카이저 병원의 재단 홈페이지입니다.
대부분의 서비스를 홈페이지에서 편하게 이용할수 있어요.
예 : 진료예약, 의사찾기, 예약변경, 예약취소, 개인정보 수정, 각종 예방접종 관리, 등등등..
피검사나 초음파 같은 검사를 한 결과도, 우편으로 날아오는 동시에, 홈페이지 본인의 계정 메시지에도 딱 들어와 있습니다.
다만, Kaiser 카이저는 아래와 같이 제한된 지역에만 있는 병원입니다.
그리고 지역마다 플랜과 금액, 적용범위 등등이 다를수 있습니다.
미국은 주마다 법과 세금이 달라요.
미국 의료보험은 민간의료보험이 주체이고, 보험회사가 여러개입니다.
그중에서 개개인은 보험회사를 선택하고, 다시 그 보험회사에서 제공하는 여러가지 플랜 중에서 가장 적합한 것으로 골라서 가입하게 됩니다. 일반적으로, 보험회사와 계약이 되어 있는 병원에 갈때만 보험적용이 됩니다.
한국에 비해 많이 불편하고, 비싸다는거, 괴담이 아니라 진실이랍니다.
일반적인 의료보험은 PPO vs HMO 로 플랜이 크게 나뉩니다
PPO : 보험회사와 계약이 체결된 병원과 의사들에게 진료과목에 관계없이 언제든지 갈수 있지만 보험료가 더 비쌉니다.
HMO : 선불방식으로 가입자가 보험료를 년회비 또는 월회비로 일정액을 선납하고 그 범위내에서 의료서비스를 받는 것이랍니다. 의료서비스를 받을 수 있는 의료기관과 의사가 특정지역으로 한정이 된답니다.
우리집 보험 플랜이름 : Kfhp 1000/Hmo Plan 3046571
아래는 홈페이지에서 전체를 가져왔습니다. 참고 되시길…
주부/여성분들이나 이민자 분들이 제 블로그에 찾아와주시는거 같애서, 산부인과/불임 관련 하이라이트 해드렸어요 ^^
Partial information about the benefits covered under your plan is listed below. If there’s a discrepancy between what’s displayed on this page and the current Evidence of Coverage (EOC) for your plan, theEOC will govern. Please refer to your EOC for a complete description of your benefits. Kaiser Permanente reserves the right to make determinations about your coverage based on the benefits information and all other terms and conditions set forth in the EOC for your plan.
Type Account MOOP Patient MOOP CA COMMON MOOP $3,000.00 $1,500.00 Maximum Out of Pocket (MOOP) Expenses
Type of Service Copay or Coinsurance Professional Services (Plan Provider Office Visits) Primary Care 20.00 copay No Payment Specialty Care 20.00 copay No Payment Provider Group Visit 10.00 copay No Payment Routine Physical No Payment Well Baby/Child (0-23 Months) No Payment Eye (Refraction) Exam No Payment Hearing Exam/Test No Payment Family Planning Counseling No Payment Scheduled Prenatal Care Visits No Payment First Postpartum Visit No Payment Physical, Occupational, and Speech Therapy Visit 20.00 copay No Payment Dialysis Related Office Visit No Payment Care Management Visit No Payment Case Management Visit No Payment Medical Nutrition Group Therapy for Diabetes and Renal Disease 10.00 copay No Payment Medical Nutrition Individual Therapy for Diabetes and Renal Disease 20.00 copay No Payment Outpatient Services Allergy Injections 5.00 copay No Payment Allergy Testing 20.00 copay No Payment Chemotherapy No Payment Diagnostic Colonoscopy 20.00 copay No Payment Screening Colonoscopy No Payment Day Surgery Transgender Not Covered Dialysis Care 20.00 copay No Payment Imaging (X-rays) No Payment Immunizations No Payment Infusion Therapy Services No Payment Laboratory Services for Preventative Care No Payment Laboratory Tests No Payment MRI, PET, CT Scan No Payment Outpatient Surgery (including Conscious Sedation) 20.00 copay No Payment Radiation Therapy No Payment Special Procedures No Payment Tuberculosis Testing (PPD) No Payment Ultraviolet Light Treatment No Payment Vascular/Peritoneal Access No Payment Preventative Services Routine Physical No Payment Well Baby/Child (0-23 Months) No Payment Eye (Refraction) Exam No Payment Family Planning Counseling No Payment Hearing Exam/Test No Payment Immunizations No Payment Laboratory Services for Preventative Care No Payment Office Dispensed Contraceptive No Payment Preventative Services Imaging (includes Preventative Mammograms) No Payment Scheduled Prenatal Care Visits No Payment Sigmoidoscopy Screening No Payment Tuberculosis Testing (PPD) No Payment Imaging and Laboratory Imaging (X-rays) No Payment Preventative Services Imaging (includes Preventative Mammograms) No Payment MRI, PET, CT Scan No Payment Laboratory Services for Preventative Care No Payment Laboratory Services for Dialysis No Payment Laboratory Tests No Payment Bone Density CT Screening No Payment Bone Density Imaging Screening No Payment Barium Enema No Payment Diabetes Screening Test & Cardiovascular Screening Tests No Payment Vascular/Peritoneal Access No Payment Therapy/Rehab Multidisciplinary Rehabilitation – Inpatient 250.00 copay No Payment Multidisciplinary Rehabilitation – Outpatient 20.00 copay No Payment Musculoskeletal Therapy Not Covered Physical, Occupational, and Speech Therapy Visit 20.00 copay No Payment Vision Service Eye (Refraction) Exam No Payment Lenses for Aniridia No Payment Lens Fitting for Aniridia No Payment Lenses for Aphakia (0-9 yrs) No Payment Lens Fitting for Aphakia No Payment Women’s Health Services Office Dispensed Contraceptive No Payment Scheduled Prenatal Care Visits No Payment Fetal Non-Stress Test 20.00 copay No Payment First Postpartum Visit No Payment Elective Termination of Pregnancy 20.00 copay No Payment Therapeutic Abortion 20.00 copay No Payment Inpatient Obstetrical Care and Delivery 250.00 copay No Payment Family Planning Services Family Planning Counseling No Payment Office Dispensed Contraceptive No Payment Office Visit Sterilization 20.00 copay No Payment Elective Termination of Pregnancy 20.00 copay No Payment Infertility Treatment Infertility Office Visits 20.00 copay No Payment Infertility Imaging (X-rays) No Payment Infertility Laboratory Tests No Payment Infertility Special Procedures No Payment Infertility Outpatient Surgery 100.00 copay No Payment Infertility Hospital Inpatient Care 250.00 copay No Payment Health Education Health Education Group Visit No Payment Health Education Individual Visit No Payment Smoking Cessation No Payment Diabetes Self-Management Individual Training No Payment Hospitalization Services Hospital Inpatient Care 250.00 copay No Payment Inpatient Obstetrical Care and Delivery 250.00 copay No Payment Multidisciplinary Rehabilitation – Inpatient 250.00 copay No Payment Hospital Inpatient Care Transgender Not Covered Bariatric Surgery (Inpatient) 250.00 copay No Payment Inpatient Detoxification 250.00 copay No Payment Inpatient Psychiatric Care (Parity) 250.00 copay No Payment Inpatient Psychiatric Care (Non-Parity) 250.00 copay No Payment Emergency Health Coverage Emergency Care (waived if admitted) 50.00 copay No Payment Emergency Department Observation Only 50.00 copay No Payment Urgent Care 20.00 copay No Payment Mental Health Service Medication Management 20.00 copay No Payment Group Therapy (Non-Parity) 10.00 copay No Payment Group Therapy (Parity) 10.00 copay No Payment Individual Therapy (Non-Parity) 20.00 copay No Payment Individual Therapy (Parity) 20.00 copay No Payment Inpatient Psychiatric Care (Non-Parity) 250.00 copay No Payment Inpatient Psychiatric Care (Parity) 250.00 copay No Payment Mental Health Additional Group Therapy Not Covered Mental Health Intensive Outpatient Care No Payment Psychological Testing 20.00 copay No Payment Chemical Dependency Group Treatment 5.00 copay No Payment No Payment Individual Treatment 20.00 copay No Payment Day Treatment 5.00 copay No Payment No Payment Intensive Outpatient Program 5.00 copay No Payment No Payment Inpatient Detoxification 250.00 copay No Payment Durable Medical Equipment/Orthotics DME Basic Healthplan List 20.00% coins DME Knox Keene Mandated Items 20.00% coins Durable Medical Equipment Formulary 20.00% coins P&O Basic Healthplan List No Payment P&O Base Knox Keene Mandated Items No Payment Prosthetic and Orthotic Formulary No Payment Diabetes Testing Supplies and Equipment 20.00% coins P&O Special Footwear For Foot Disfigurement No Payment Other Hospice Care No Payment Hearing Aid Battery Not Covered Hearing Aid Not Covered Ear Mold Not Covered Optical Cosmetic Contact Lens Not Covered Optical Eye Wear Not Covered Optical Allowance Not Covered Optical Low Vision Device Not Covered Optical Eyeglasses Lenses Not Covered Post Cataract Surg. Lens; Frames; Contacts Not Covered Additional Information
Glossary
Of eligibility and benefits terms
deductible
Account(also known as Family Deductible):
The amount a family must pay in a calendar year for certain services before they receive the Copayment or Coinsurance benefits. To find out which services are subject to a Deductible (if any), please refer to your Evidence of Coverage.
Coinsurance:
A percentage of charges that you must pay when receiving a covered service as listed in the “Copayment and Coinsurance” section of the applicable Evidence of Coverage. For a complete list of cost sharing, please refer to your Evidence of Coverage.
Copay (copayment):
A fixed amount a member pays when receiving a covered medical service or prescription. For example, a member might pay $10 for each office visit and $100 for each day in the hospital. Copayments vary depending on the member’s plan.
Classic Plan or Traditional Plan:
When a service applies to the maximum out-of-pocket expenses, you pay the Copay until you reach this maximum and then the services are covered at no charge. For more information, please refer to yourEvidence of Coverage.
Deductible Plan:
When a service is subject to a deductible, you pay the Copay once you have met the deductible. If the service applies to the maximum out-of-pocket expenses, you then pay the Copay until you reach this maximum and then the services are covered at no charge. For more information, please refer to yourEvidence of Coverage.
Deductibles:
A predetermined amount a member pays during a contract year for covered health care services before the health plan will cover those services.
For example, if a member’s deductible is $500 for the contract year and the member has received Kaiser Permanente services with charges totaling $200, because the charges are less than the Deductible, the member will pay the entire $200 out-of-pocket. If the member then receives a service with a $1,000 charge, the member pays the $300 remaining on the Deductible, while the health plan covers the remaining $700 (less any applicable copayments or coinsurance). Thereafter, the member pays only applicable copayments and coinsurance for services.
Effective date:
The first date that the Kaiser Permanente health insurance policy is in effect.
Evidence of Coverage:
Describes Kaiser Permanente’s Health Care Coverage with specific details for your plan type.
For employer group plans, your Evidence of Coverage can be obtained from your employer. For individual plans, the booklet is mailed to you when you join the plan. If you do not have your booklet, please check with your employer or contact:
Member Services Call Center: 1-866-365-9527 (toll free)
TTY for the hearing/speech impaired: 1-800-777-1370 (toll-free)
Hours:
Monday through Friday, 7 a.m. to 7 p.m. Pacific Time
Weekends, 7 a.m. to 3 p.m. Pacific Time
Group:
The name of the entity through which the member is enrolled. The member can be enrolled through an employer “group” or through an individual plan.
Maximum Out-of-Pocket (MOOP) expenses:
The maximum amount a member will pay for eligible services in a year. For example, the total of an individual’s Deductible, Coinsurance, and Copayments may be limited to a maximum out-of-pocket amount of $2,000 per year. The health plan pays 100 percent of costs above that amount. Payments a member makes for noncovered services do not apply toward the Maximum Out-of-Pocket.
Patient deductible
(also known as Individual deductible):
The amount an individual must pay before he or she receives benefits under the Copayment or Coinsurance. To find out which services are subject to a Deductible (if any), please refer to yourEvidence of Coverage.
Payor:
The insurance program or company the member is covered under.
Plan:
A package of health care benefits and services.
Type of service:
Health care services or items (such as office visits or prescriptions).
혹시 본인의 지역에서 가입가능한 의료보험을 알아보시려면 http://www.healthcare.com/ 여기서 본인 사는 지역 Zip 코드 넣어보세요.
Individual/FamilyGroupStudentMedicare SupplementalShort TermDental http://www.healthcare.com/home/images/banners/bg-forms2.png); font-weight: bold; width: 120px; padding-top: 6px; padding-right: 6px; padding-bottom: 6px; padding-left: 6px; text-align: center; ” /> Powered by HealthCare.com
http://healthcare.com/serps/t20120208/control/control.html ” id=”insurance_search” style=”margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; “>
그럼 아래와 같이 쭉 뜰꺼예요. 대충 참고만 하시고, 직장/학교에따라서 계약되어 있는 보험사들이 있습니다. 학생이나 직장인, 혹은 그 가족은 그중에서 골라서 가입하시면 됩니다 ㅎ
Available Plans in CA:
영어가 울렁거리신다구요 ? …
이번 포스팅에서 친절하게 영문을 한글로 안달아드린 이유는…
직접 모두 알고 계셔야 하고, 직접 공부하셔야 할 내용이며,
제가 알려드린다고 그게 100% 맞아 떨어지지도 않기 때문입니다.
미국에서 의료보험은 주마다, 플랜마다, 컨디션에따라 모두들 다릅니다.
누가 미국가려는데 의료보험 어떻게 하나요 ? 라고 물으면.. 대답을 해드릴수 없는것도 그것때문이랍니다.
공부하셔야해요. 미국은.. 아는만큼, 공부한만큼 손해보지 않는 사회예요 . 특히나 의료비/보험료는 더더욱!!
2중청구나 과다청구사례가 가장 빈번하게 일어나는게 의료비와 보험료입니다.
모르면.? 걍 내는거예요. 이게 몇십달러 수준이면 .. 그래요.. 걍.. 몰라도 손해 별로 아니죠.
하지만.. 이단위가 아주 커집니다. 그러므로 공부해야 한다는겁니다.
한국어로 된 위키백과에 설명된
http://ko.wikipedia.org/wiki/%EB%AF%B8%EA%B5%AD_%EC%9D%98%EB%A3%8C%EB%B3%B4%ED%97%98
아래는 몇몇 보험회사의 홈페이지입니다. 개인보험의 보험료 견적을 뽑아볼수 있어요 .
blue shield https://www.blueshieldca.com/bsca/find-a-plan/home.sp
Kaiser Permanente http://kpif.kp.org/pages/97797/?WT.mc_id=97797&WT.srch=1&WT.seg_1=PF-4-sSmkw8WRg-pcrid-19480616273-medical%20insurance-b
http://www.anthem.com/ca/health-insurance/home/overview
그리고 아래는 AIM 이라고 알려져 있는 캘리포니아의 아기&엄마를 위한 정부제공 저렴보험입니다.
http://www.aim.ca.gov/Home/default.aspx
Income Guidelines
(for April 1, 2012 to March 31, 2013)
AIM Family Size (count pregnant woman as 2) Monthly Household Income (Gross income after AIM deductions) Total Cost of AIM Coverage (1.5% of adjusted annual household income) 2 $2,523 to $3,784 $454 – $681 3 $3,183 to $4,774 $573 – $860 4 $3,843 to $5,764 $692 – $1,038 5 $4,503 to $6,754 $811 – $1,216 6 $5,163 to $7,744 $930 – $1,394 7 $5,823 to $8,734 $1,048 – $1,572 8 $6,483 to $9,724 $1,167 – $1,751 9 $7,143 to $10,714 $1,286 – $1,929 10 $7,803 to $11,704 $1,405 – $2,107 Each Additional Family Member $661 to $991 $119 – $179
* A pregnant woman counts as a family of two.
Kaiser 보험 우리집 플랜 공개해요.(미국의료보험)
오늘은 간단하게 보험이야기.
그렇게 거창하게 자세하게 설명할만큼 잘 알진 못하니까..
우리집 보험만 간략하게 포스팅합니다 .
원래 북캘리포니아 살때는, Blue shield PPO 를썼는데
남캘리로 회사 이직으로 이사오면서 Kaiser 로 바꿔보았습니다. 일단.. 집에서 제일 가까운 병원이 Kaiser 라는 단순한 이유로 선택했는데, 생각보다 혜택이나 병원 서비스가 더 편하네요.
아래는 KAiser 카이저 병원의 재단 홈페이지입니다.
대부분의 서비스를 홈페이지에서 편하게 이용할수 있어요.
예 : 진료예약, 의사찾기, 예약변경, 예약취소, 개인정보 수정, 각종 예방접종 관리, 등등등..
피검사나 초음파 같은 검사를 한 결과도, 우편으로 날아오는 동시에, 홈페이지 본인의 계정 메시지에도 딱 들어와 있습니다.
다만, Kaiser 카이저는 아래와 같이 제한된 지역에만 있는 병원입니다.
그리고 지역마다 플랜과 금액, 적용범위 등등이 다를수 있습니다.
미국은 주마다 법과 세금이 달라요.
미국 의료보험은 민간의료보험이 주체이고, 보험회사가 여러개입니다.
그중에서 개개인은 보험회사를 선택하고, 다시 그 보험회사에서 제공하는 여러가지 플랜 중에서 가장 적합한 것으로 골라서 가입하게 됩니다. 일반적으로, 보험회사와 계약이 되어 있는 병원에 갈때만 보험적용이 됩니다.
한국에 비해 많이 불편하고, 비싸다는거, 괴담이 아니라 진실이랍니다.
일반적인 의료보험은 PPO vs HMO 로 플랜이 크게 나뉩니다
PPO : 보험회사와 계약이 체결된 병원과 의사들에게 진료과목에 관계없이 언제든지 갈수 있지만 보험료가 더 비쌉니다.
HMO : 선불방식으로 가입자가 보험료를 년회비 또는 월회비로 일정액을 선납하고 그 범위내에서 의료서비스를 받는 것이랍니다. 의료서비스를 받을 수 있는 의료기관과 의사가 특정지역으로 한정이 된답니다.
우리집 보험 플랜이름 : Kfhp 1000/Hmo Plan 3046571
아래는 홈페이지에서 전체를 가져왔습니다. 참고 되시길…
주부/여성분들이나 이민자 분들이 제 블로그에 찾아와주시는거 같애서, 산부인과/불임 관련 하이라이트 해드렸어요 ^^
Partial information about the benefits covered under your plan is listed below. If there’s a discrepancy between what’s displayed on this page and the current Evidence of Coverage (EOC) for your plan, theEOC will govern. Please refer to your EOC for a complete description of your benefits. Kaiser Permanente reserves the right to make determinations about your coverage based on the benefits information and all other terms and conditions set forth in the EOC for your plan.
Type Account MOOP Patient MOOP CA COMMON MOOP $3,000.00 $1,500.00 Maximum Out of Pocket (MOOP) Expenses
Type of Service Copay or Coinsurance Professional Services (Plan Provider Office Visits) Primary Care 20.00 copay No Payment Specialty Care 20.00 copay No Payment Provider Group Visit 10.00 copay No Payment Routine Physical No Payment Well Baby/Child (0-23 Months) No Payment Eye (Refraction) Exam No Payment Hearing Exam/Test No Payment Family Planning Counseling No Payment Scheduled Prenatal Care Visits No Payment First Postpartum Visit No Payment Physical, Occupational, and Speech Therapy Visit 20.00 copay No Payment Dialysis Related Office Visit No Payment Care Management Visit No Payment Case Management Visit No Payment Medical Nutrition Group Therapy for Diabetes and Renal Disease 10.00 copay No Payment Medical Nutrition Individual Therapy for Diabetes and Renal Disease 20.00 copay No Payment Outpatient Services Allergy Injections 5.00 copay No Payment Allergy Testing 20.00 copay No Payment Chemotherapy No Payment Diagnostic Colonoscopy 20.00 copay No Payment Screening Colonoscopy No Payment Day Surgery Transgender Not Covered Dialysis Care 20.00 copay No Payment Imaging (X-rays) No Payment Immunizations No Payment Infusion Therapy Services No Payment Laboratory Services for Preventative Care No Payment Laboratory Tests No Payment MRI, PET, CT Scan No Payment Outpatient Surgery (including Conscious Sedation) 20.00 copay No Payment Radiation Therapy No Payment Special Procedures No Payment Tuberculosis Testing (PPD) No Payment Ultraviolet Light Treatment No Payment Vascular/Peritoneal Access No Payment Preventative Services Routine Physical No Payment Well Baby/Child (0-23 Months) No Payment Eye (Refraction) Exam No Payment Family Planning Counseling No Payment Hearing Exam/Test No Payment Immunizations No Payment Laboratory Services for Preventative Care No Payment Office Dispensed Contraceptive No Payment Preventative Services Imaging (includes Preventative Mammograms) No Payment Scheduled Prenatal Care Visits No Payment Sigmoidoscopy Screening No Payment Tuberculosis Testing (PPD) No Payment Imaging and Laboratory Imaging (X-rays) No Payment Preventative Services Imaging (includes Preventative Mammograms) No Payment MRI, PET, CT Scan No Payment Laboratory Services for Preventative Care No Payment Laboratory Services for Dialysis No Payment Laboratory Tests No Payment Bone Density CT Screening No Payment Bone Density Imaging Screening No Payment Barium Enema No Payment Diabetes Screening Test & Cardiovascular Screening Tests No Payment Vascular/Peritoneal Access No Payment Therapy/Rehab Multidisciplinary Rehabilitation – Inpatient 250.00 copay No Payment Multidisciplinary Rehabilitation – Outpatient 20.00 copay No Payment Musculoskeletal Therapy Not Covered Physical, Occupational, and Speech Therapy Visit 20.00 copay No Payment Vision Service Eye (Refraction) Exam No Payment Lenses for Aniridia No Payment Lens Fitting for Aniridia No Payment Lenses for Aphakia (0-9 yrs) No Payment Lens Fitting for Aphakia No Payment Women’s Health Services Office Dispensed Contraceptive No Payment Scheduled Prenatal Care Visits No Payment Fetal Non-Stress Test 20.00 copay No Payment First Postpartum Visit No Payment Elective Termination of Pregnancy 20.00 copay No Payment Therapeutic Abortion 20.00 copay No Payment Inpatient Obstetrical Care and Delivery 250.00 copay No Payment Family Planning Services Family Planning Counseling No Payment Office Dispensed Contraceptive No Payment Office Visit Sterilization 20.00 copay No Payment Elective Termination of Pregnancy 20.00 copay No Payment Infertility Treatment Infertility Office Visits 20.00 copay No Payment Infertility Imaging (X-rays) No Payment Infertility Laboratory Tests No Payment Infertility Special Procedures No Payment Infertility Outpatient Surgery 100.00 copay No Payment Infertility Hospital Inpatient Care 250.00 copay No Payment Health Education Health Education Group Visit No Payment Health Education Individual Visit No Payment Smoking Cessation No Payment Diabetes Self-Management Individual Training No Payment Hospitalization Services Hospital Inpatient Care 250.00 copay No Payment Inpatient Obstetrical Care and Delivery 250.00 copay No Payment Multidisciplinary Rehabilitation – Inpatient 250.00 copay No Payment Hospital Inpatient Care Transgender Not Covered Bariatric Surgery (Inpatient) 250.00 copay No Payment Inpatient Detoxification 250.00 copay No Payment Inpatient Psychiatric Care (Parity) 250.00 copay No Payment Inpatient Psychiatric Care (Non-Parity) 250.00 copay No Payment Emergency Health Coverage Emergency Care (waived if admitted) 50.00 copay No Payment Emergency Department Observation Only 50.00 copay No Payment Urgent Care 20.00 copay No Payment Mental Health Service Medication Management 20.00 copay No Payment Group Therapy (Non-Parity) 10.00 copay No Payment Group Therapy (Parity) 10.00 copay No Payment Individual Therapy (Non-Parity) 20.00 copay No Payment Individual Therapy (Parity) 20.00 copay No Payment Inpatient Psychiatric Care (Non-Parity) 250.00 copay No Payment Inpatient Psychiatric Care (Parity) 250.00 copay No Payment Mental Health Additional Group Therapy Not Covered Mental Health Intensive Outpatient Care No Payment Psychological Testing 20.00 copay No Payment Chemical Dependency Group Treatment 5.00 copay No Payment No Payment Individual Treatment 20.00 copay No Payment Day Treatment 5.00 copay No Payment No Payment Intensive Outpatient Program 5.00 copay No Payment No Payment Inpatient Detoxification 250.00 copay No Payment Durable Medical Equipment/Orthotics DME Basic Healthplan List 20.00% coins DME Knox Keene Mandated Items 20.00% coins Durable Medical Equipment Formulary 20.00% coins P&O Basic Healthplan List No Payment P&O Base Knox Keene Mandated Items No Payment Prosthetic and Orthotic Formulary No Payment Diabetes Testing Supplies and Equipment 20.00% coins P&O Special Footwear For Foot Disfigurement No Payment Other Hospice Care No Payment Hearing Aid Battery Not Covered Hearing Aid Not Covered Ear Mold Not Covered Optical Cosmetic Contact Lens Not Covered Optical Eye Wear Not Covered Optical Allowance Not Covered Optical Low Vision Device Not Covered Optical Eyeglasses Lenses Not Covered Post Cataract Surg. Lens; Frames; Contacts Not Covered Additional Information
Glossary
Of eligibility and benefits terms
deductible
Account(also known as Family Deductible):
The amount a family must pay in a calendar year for certain services before they receive the Copayment or Coinsurance benefits. To find out which services are subject to a Deductible (if any), please refer to your Evidence of Coverage.
Coinsurance:
A percentage of charges that you must pay when receiving a covered service as listed in the “Copayment and Coinsurance” section of the applicable Evidence of Coverage. For a complete list of cost sharing, please refer to your Evidence of Coverage.
Copay (copayment):
A fixed amount a member pays when receiving a covered medical service or prescription. For example, a member might pay $10 for each office visit and $100 for each day in the hospital. Copayments vary depending on the member’s plan.
Classic Plan or Traditional Plan:
When a service applies to the maximum out-of-pocket expenses, you pay the Copay until you reach this maximum and then the services are covered at no charge. For more information, please refer to yourEvidence of Coverage.
Deductible Plan:
When a service is subject to a deductible, you pay the Copay once you have met the deductible. If the service applies to the maximum out-of-pocket expenses, you then pay the Copay until you reach this maximum and then the services are covered at no charge. For more information, please refer to yourEvidence of Coverage.
Deductibles:
A predetermined amount a member pays during a contract year for covered health care services before the health plan will cover those services.
For example, if a member’s deductible is $500 for the contract year and the member has received Kaiser Permanente services with charges totaling $200, because the charges are less than the Deductible, the member will pay the entire $200 out-of-pocket. If the member then receives a service with a $1,000 charge, the member pays the $300 remaining on the Deductible, while the health plan covers the remaining $700 (less any applicable copayments or coinsurance). Thereafter, the member pays only applicable copayments and coinsurance for services.
Effective date:
The first date that the Kaiser Permanente health insurance policy is in effect.
Evidence of Coverage:
Describes Kaiser Permanente’s Health Care Coverage with specific details for your plan type.
For employer group plans, your Evidence of Coverage can be obtained from your employer. For individual plans, the booklet is mailed to you when you join the plan. If you do not have your booklet, please check with your employer or contact:
Member Services Call Center: 1-866-365-9527 (toll free)
TTY for the hearing/speech impaired: 1-800-777-1370 (toll-free)
Hours:
Monday through Friday, 7 a.m. to 7 p.m. Pacific Time
Weekends, 7 a.m. to 3 p.m. Pacific Time
Group:
The name of the entity through which the member is enrolled. The member can be enrolled through an employer “group” or through an individual plan.
Maximum Out-of-Pocket (MOOP) expenses:
The maximum amount a member will pay for eligible services in a year. For example, the total of an individual’s Deductible, Coinsurance, and Copayments may be limited to a maximum out-of-pocket amount of $2,000 per year. The health plan pays 100 percent of costs above that amount. Payments a member makes for noncovered services do not apply toward the Maximum Out-of-Pocket.
Patient deductible
(also known as Individual deductible):
The amount an individual must pay before he or she receives benefits under the Copayment or Coinsurance. To find out which services are subject to a Deductible (if any), please refer to yourEvidence of Coverage.
Payor:
The insurance program or company the member is covered under.
Plan:
A package of health care benefits and services.
Type of service:
Health care services or items (such as office visits or prescriptions).
혹시 본인의 지역에서 가입가능한 의료보험을 알아보시려면 http://www.healthcare.com/ 여기서 본인 사는 지역 Zip 코드 넣어보세요.
Individual/FamilyGroupStudentMedicare SupplementalShort TermDental http://www.healthcare.com/home/images/banners/bg-forms2.png); font-weight: bold; width: 120px; padding-top: 6px; padding-right: 6px; padding-bottom: 6px; padding-left: 6px; text-align: center; ” /> Powered by HealthCare.com
http://healthcare.com/serps/t20120208/control/control.html ” id=”insurance_search” style=”margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; “>
그럼 아래와 같이 쭉 뜰꺼예요. 대충 참고만 하시고, 직장/학교에따라서 계약되어 있는 보험사들이 있습니다. 학생이나 직장인, 혹은 그 가족은 그중에서 골라서 가입하시면 됩니다 ㅎ
Available Plans in CA:
영어가 울렁거리신다구요 ? …
이번 포스팅에서 친절하게 영문을 한글로 안달아드린 이유는…
직접 모두 알고 계셔야 하고, 직접 공부하셔야 할 내용이며,
제가 알려드린다고 그게 100% 맞아 떨어지지도 않기 때문입니다.
미국에서 의료보험은 주마다, 플랜마다, 컨디션에따라 모두들 다릅니다.
누가 미국가려는데 의료보험 어떻게 하나요 ? 라고 물으면.. 대답을 해드릴수 없는것도 그것때문이랍니다.
공부하셔야해요. 미국은.. 아는만큼, 공부한만큼 손해보지 않는 사회예요 . 특히나 의료비/보험료는 더더욱!!
2중청구나 과다청구사례가 가장 빈번하게 일어나는게 의료비와 보험료입니다.
모르면.? 걍 내는거예요. 이게 몇십달러 수준이면 .. 그래요.. 걍.. 몰라도 손해 별로 아니죠.
하지만.. 이단위가 아주 커집니다. 그러므로 공부해야 한다는겁니다.
한국어로 된 위키백과에 설명된 <미국의료보험>
http://ko.wikipedia.org/wiki/%EB%AF%B8%EA%B5%AD_%EC%9D%98%EB%A3%8C%EB%B3%B4%ED%97%98
아래는 몇몇 보험회사의 홈페이지입니다. 개인보험의 보험료 견적을 뽑아볼수 있어요 .
blue shield https://www.blueshieldca.com/bsca/find-a-plan/home.sp
Kaiser Permanente http://kpif.kp.org/pages/97797/?WT.mc_id=97797&WT.srch=1&WT.seg_1=PF-4-sSmkw8WRg-pcrid-19480616273-medical%20insurance-b
http://www.anthem.com/ca/health-insurance/home/overview
그리고 아래는 AIM 이라고 알려져 있는 캘리포니아의 아기&엄마를 위한 정부제공 저렴보험입니다.
http://www.aim.ca.gov/Home/default.aspx
Income Guidelines
(for April 1, 2012 to March 31, 2013)
AIM Family Size (count pregnant woman as 2) Monthly Household Income (Gross income after AIM deductions) Total Cost of AIM Coverage (1.5% of adjusted annual household income) 2 $2,523 to $3,784 $454 – $681 3 $3,183 to $4,774 $573 – $860 4 $3,843 to $5,764 $692 – $1,038 5 $4,503 to $6,754 $811 – $1,216 6 $5,163 to $7,744 $930 – $1,394 7 $5,823 to $8,734 $1,048 – $1,572 8 $6,483 to $9,724 $1,167 – $1,751 9 $7,143 to $10,714 $1,286 – $1,929 10 $7,803 to $11,704 $1,405 – $2,107 Each Additional Family Member $661 to $991 $119 – $179
* A pregnant woman counts as a family of two.
남부 캘리포니아의 카이저 퍼머넌트
다시 말씀드리지만 필수 문화 역량 교육을 완료했는지 확인하십시오. 귀하가 개업의라면 CAQH를 방문하여 정보를 업데이트하고 정보가 정확함을 증명하십시오. 제공자 그룹 및 시설은 제공자 포털을 방문하거나 전국 제공자 서비스 라인(800-397-1630)에 전화하여 개별 제공자 정보를 공유할 수 있습니다.
키워드에 대한 정보 카이저 보험 한국어
다음은 Bing에서 카이저 보험 한국어 주제에 대한 검색 결과입니다. 필요한 경우 더 읽을 수 있습니다.
이 기사는 인터넷의 다양한 출처에서 편집되었습니다. 이 기사가 유용했기를 바랍니다. 이 기사가 유용하다고 생각되면 공유하십시오. 매우 감사합니다!
사람들이 주제에 대해 자주 검색하는 키워드 카이저 병원, 한인의사 찾아보기 Kaiser provider search
- 동영상
- 공유
- 카메라폰
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- 무료
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카이저 #병원, #한인의사 #찾아보기 #Kaiser #provider #search
YouTube에서 카이저 보험 한국어 주제의 다른 동영상 보기
주제에 대한 기사를 시청해 주셔서 감사합니다 카이저 병원, 한인의사 찾아보기 Kaiser provider search | 카이저 보험 한국어, 이 기사가 유용하다고 생각되면 공유하십시오, 매우 감사합니다.
