Faj seeb kho mob nyob rau hauv lub US, hom thiab tus nqi

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Cov kev kho mob tuav pov hwm system nyob rau hauv lub tebchaws United States - ib tug tshaj plaws tsis muaj lub feem ntau paub thiab yooj yim. Insurance tej yam kev mob thiab muaj ntau yam sib txawv, uas peb tam sim no tham. Yuav pib nrog, hais tias txhua txhua neeg nyob yuav tsum muaj ntawv kho mob. Nws yuav ua tau tej, tab sis nws yuav tsum yog. Tsis ua hauj lwm rau ua li ntawd yuav ua rau, koj yuav muaj nyob rau hauv lub kawg ntawm lub xyoo mus them ib tug me me nyiaj ua se rau nws qhaj ntawv.

Feem ntau yog cov muaj hmoo mus ua hauj lwm ntawm loj tuam txhab uas muag. Loj npe yuav tsum tau muab lawv cov neeg ua hauj lwm kho mob. li ntawd,, Yog hais tias koj xav kom txuag, tab tom nrhiav rau ib txoj hauj lwm nyob rau hauv ntau American corporations, lawv ceg thiab tus neeg sawv cev chaw ua hauj lwm. Muaj kuj pheej yig heev thiab dawb lub insurance rau cov neeg pluag. Tab sis xav txog nws, koj ua tau, Yog hais tias koj muaj nyob rau hauv koj lub hnab tshos, tsawg kawg muaj ib tug npav ntsuab.

Tej yam kev mob ntawm kev ruaj ntseg nta

Nyob rau hauv Teb Chaws Asmeskas, koj yuav tau tuav pov hwm nyob rau hauv ib tug tshwj xeeb ob-lub hlis (Enrollment lub sij hawm). nws pib 15 Kaum ib hlis thiab xaus 15 Lub ib hlis ntuj. Qhov no feature yog txuam nrog kev tiv thaiv tiv thaiv tej zaum dag, thaum cov neeg pib mus yuav kev tuav pov hwm tom qab qhov pib ntawm tus kab mob, uas ua rau kev puas tsuaj insurance. Muaj yog ib qho kev zam. Yog hais tias koj nyuam qhuav tsiv, thiab heev raws li txoj cai nyob rau hauv lub tebchaws United States los yog koj tsev neeg tus qauv tau hloov, Koj muaj peev xwm yuav ntawv kho mob txhua lub sij hawm ntawm lub xyoo.

Muas tuav pov hwm yog nqa tawm ncaj qha los ntawm kev tuav pov hwm tuam txhab uas muag, los yog los ntawm brokers, uas nws cov kev pab cuam no yog pab dawb. Ib tug zoo broker yuav pab tau koj txuag tau nyiaj, muab lub feem ntau muaj txiaj ntsim kev xaiv, rau tag nrho cov kev tuav pov hwm tuam txhab uas muag uas nws ua hauj lwm.

los ntawm txoj kev, kho hniav thiab ophthalmologic (qhov muag) kev tuav pov hwm yog yuav luag ib txwm muag nyias los ntawm lub ntsiab (kev kho mob). Russians tsis tshua yuav kho hniav, vim hais tias nws yog cheaper ya mus rau lawv teb koj chaw, tshaj los kho cov hniav nyob rau hauv lub US.

Hom ntawv kho mob nyob rau hauv lub US

Ua ntej koj yuav, koj yuav tsum tau los mus txiav txim lub hom kev tuav pov hwm (PPO, HMO, EPO) thiab mus txog (platinum, kub, nyiaj, bronze).

  • EPO Nws txwv lub peev xwm ntawm lawv cov neeg muas zaub yuav tsum tau kho xwb nyob rau hauv ib tug tej yam network ntawm kev kho mob cov chaw kuaj mob. Insurance yuav tsis ua rau tus tsis txaus siab rau cov kws kho mob nyob rau hauv private xyaum.
  • HMO Nws yuav tsum tau koj xaiv ib tug kws kho mob koj tus kheej (Primary Care Provider, PCP), uas muaj, nyob rau hauv lem, yuav sau rau koj ib tug xa mus rau lwm yam tshwj xeeb. Tsuas yog nyob rau hauv cov ntaub ntawv no, kev tuav pov hwm yuav them rau tag nrho cov kev kho mob li tau teem tseg.
  • PPO - Cov dawb version. Koj yog kev ywj siab xaiv, yuav ua li cas tus kws kho mob mus rau yuav kho. Txawm li cas los, thiab ces muaj ib co kev txwv. Yog hais tias lub tsev kho mob los yog lwm qhov kws kho mob koj xaiv tau ntawv cog lus nrog koj daim ntawv kho mob (nyob rau hauv-network), cov kev pab cuam yuav raug nqi rau koj ib tug me me npaum li cas. Yog hais tias muaj yog tsis muaj daim ntawv cog lus (tawm-ntawm-network) Kev kho mob yuav raug nqi ntau npaum li cas kim.

Tom qab koj xaiv lub hom kev tuav pov hwm, koj yuav tsum tau xaiv ib lub hom phiaj, los ntawm uas nyob ntawm seb koj cov nyiaj thiab lub, ntau npaum li cas koj tuav pov hwm yuav pab kom txawm peem.

  • hwm (hwm) - Hli nqi rau kev tuav pov hwm
  • franchise (uas yus them yus) - Tus nqi ntawm cov nyiaj, tom qab uas pov hwm pib mus ua hauj lwm. Yog hais tias lub nqi rau koj tus account rau cov kev kho mob tsis pub tshaj tus nqi no,, koj yuav tau them nws tag rau lawv tus kheej.
  • Co-them % - Yuav ua li cas feem pua ​​ntawm cov nyiaj koj yuav tau them tom qab cov uas yus them yus. piv txwv li, Kev kho mob nqi koj 800 nyiaj, nyob rau hauv lub franchise 500 nyiaj thiab co-them 10%. Ces koj yuav tau them tawm ntawm hnab tshos: 500$ + 10% los ntawm 300$ sab saum toj franchise = 530$.
  • Qhov siab tshaj plaws nqi ntawm koj co-cov nyiaj them (Maximum-tawm-ntawm-hnab tshos). Outline txwv lub qab nthab ntawm koj cov nyiaj raws li qhov tshwm sim ntawm insured txheej xwm. piv txwv li, если ntau-tawm-ntawm-hnab tshos = 5000$, thiab cov kev kho mob raug nqi koj 600 000$, ces koj tsis tas yuav them ib tug loj feem pua ​​ntawm cov. Koj yuav tau them cov nyiaj pab ntau tshaj stipulated - 5000$.

Nws yog ib qho tseem ceeb kom nkag siab txog, hais tias txawm nrog ib tug heev ntxhab kev tuav pov hwm (Platinum PPO) thiab them 1000$ lub hli, koj tseem yuav tau them ib tug me me zaum thaum mus xyuas cov kws kho mob (20-40-100 nyiaj).

Lwm interesting feature. Tus nqi ntawm cov kev pab kho mob yuav sib txawv heev yog hais tias koj them rau nws tus kheej (self-them), los yog nqa noj qab haus huv daim ntawv fajseeb khomob. piv txwv li, kev yug me nyuam nyob rau hauv lub tebchaws United States rau nws tus kheej-them nyiaj yuav raug nqi 10000 - 12000$, thiab nws yuav raug tsub nqi rau cov kev tuav pov hwm koj 50000$.

Lwm qhua feature - tus tsis muaj pob tshab pricing. raws li ib tug txoj cai, daim nqi uas koj tau txais nyob rau hauv lub mail tom qab kev kho mob, thiab ua ntej mus rau nrhiav tau tawm lub caij nyoog nqi ntawm cov kev pab cuam yog yuav luag tsis yooj yim sua. Sam nqi yuav muaj ib co coj txawv txawv heev suav. piv txwv li, US nqi 1400$ - discount 700$ - Tej ntau txiav tawm. Raws li ib tug tshwm sim, nyob rau hauv lub ntev mus dhia yuav tus li qub nqi, raws li 80$ (qhia txog ib tug variant nyob rau hauv lub xub ntiag ntawm daim ntawv kho mob).

txoj kev: tshuaj nyob rau hauv lub US yog tsis pub dawb. Raws li ib tug dag lub zos, muas kev pov hwm tiag tiag insures koj los ntawm puas. koj yuav tau them 5000 - 15000$ ib tsev neeg ib xyoo, yuav lav tsis tau ib tug tsim nyog tus nqi ntawm kev kho mob. Sib piv rau koj tus kheej. Tsis txaus siab los ntawm tsheb thauj neeg mob nrog ib tug tawg tsis muaj kev tuav pov hwm yuav raug nqi koj 11000$, thiab nrog kev tuav pov hwm tsuas 240$.

qhov chaw: e-migration.ru

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