j*****7
发帖数: 4348 | 1 这是我们州里面提供的最低保险：
月费： 600 美元
Annual Deductible - individual $2,000
Annual Deductible - family $4,000
Annual OOP Max - Individual $6,350
Annual OOP Max - family $12,700
Primary Care Provider (PCP) Office Visit deductible, then $50
Specialist Office Visit deductible, then $75
Hospital Inpatient Admission deductible, then $1,000
Emergency Room Visit deductible, then $750
Prescription Drugs (30 day supply) Tier 1 / Tier 2 / Tier 3 / Tier 4 Tier
1: deductible, then $30;
Tier ... 阅读全帖 |
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l*****9
发帖数: 9501 | 2 http://www.opednews.com/articles/Bernie-Sanders-Introduces-by-B
General News 12/12/2013 at 13:25:01
Bernie Sanders Introduces Single Payer Bill: American Health Security Act of
2013
Summary of S. 1782, The American Health Security Act of 2013
The American Health Security Act of 2013 (S. 1782) provides every American
with affordable and comprehensive health care services through the
establishment of a national American Health Security Program (the Program)
that requires each participating state t... 阅读全帖 |
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l****z
发帖数: 29846 | 3 Illegal aliens who get President Barack Obama’s likely forthcoming
executive amnesty will have immediate access to welfare and other public
benefits, according to a new report from the Federation of American
Immigration Reform (FAIR) exclusively provided to Breitbart News ahead of
its public release shows.
“Obama’s executive amnesty isn’t only unconstitutional but costly; from
day one it opens up federal and state benefits to individuals who are still
illegal aliens, regardless of the label the... 阅读全帖 |
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W***n
发帖数: 11530 | 4 By Julia Dahl CBS News September 4, 2015, 3:02 PM
Arrested for allegedly stealing $5 of food, mentally ill Virginia man dies
in jail
PORTSMOUTH, Va. -- At a little after midnight on April 22, Jamycheal
Mitchell was arrested for allegedly stealing $5.05 worth of junk food - a
Snickers, a Zebra cake and a 2-liter bottle of Mountain Dew, to be exact -
from a 7-11 store in Eastern Virginia.
Mitchell, who was two days past his 24th birthday, was severely mentally ill
, having been diagnosed years ear... 阅读全帖 |
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l****z
发帖数: 29846 | 5 【 以下文字转载自 Joke 讨论区 】
发信人: daemonself (mit行为艺术专业博士后导师), 信区: Joke
标 题: Re: 政非笑捷报:大统领医改初见成效
发信站: BBS 未名空间站 (Thu Oct 22 14:18:41 2015, 美东)
Hospital stocks tanked Thursday after another big chain warned Wall Street
that it won't meet third-quarter earnings expectations.
Community Health Systems said Wednesday after markets closed that patient
admissions fell about 2 percent at its established locations in the quarter,
and it saw a decrease in the percentage of people covered by commercial
insurance,... 阅读全帖 |
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T**********e
发帖数: 29576 | 6 把必保规定砍了， 原来这些必保:
(A) Ambulatory patient services. [outpatient care]
(B) Emergency services.
(C) Hospitalization. [inpatient care]
(D) Maternity and newborn care
(E) Mental health and substance use disorder services, including behavioral
health treatment.
(F) Prescription drugs.
(G) Rehabilitative and habilitative services and devices.
(H) Laboratory services
(I) Preventive and wellness services and chronic disease management;
(J) Pediatric services, including oral and vision care.
: 罚款这一条已经... 阅读全帖 |
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h*******n
发帖数: 8906 | 7 这个的确夸张 大部分公司保险都没那么好 难怪medicaid都转obamacare了
: 把必保规定砍了， 原来这些必保:
: (A) Ambulatory patient services. [outpatient care]
: (B) Emergency services.
: (C) Hospitalization. [inpatient care]
: (D) Maternity and newborn care
: (E) Mental health and substance use disorder services, including
behavioral
: health treatment.
: (F) Prescription drugs.
: (G) Rehabilitative and habilitative services and devices.
: (H) Laboratory services
|
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F*V
发帖数: 3978 | 8 发信人: wayofflying (小破熊), 信区: Military
标 题: NPR采访茅于轼: 茅于轼把毛泽东比较希特勒 这厮背后肯定是NED
发信站: BBS 未名空间站 (Thu Jun 23 04:14:34 2011, 美东)
反抗西方、日本侵略和苏联霸权的精神象征如果是希特勒，那意味着什么呢？那就是说
，中国人只要不肯被主宰，只要坚持独立自主那就是法西斯。正像我常说的：民主就是
让西方民众来做你的主子，独裁就是企图独立裁决本国事务，法西斯就是设法修改西方
主导的国际秩序，哪怕以最斯文的方式。毛泽东不希望让洋人来做中国人的主子，中国
人希望独立裁决本国事务，中国希望修改完全倒向西方的当今国际秩序，结果中国就成
了法西斯，毛泽东就成了希特勒了。
========================================================
NPR采访茅于轼: 茅于轼把毛泽东比较希特勒(图)
来源: 潜水员大爷 于 2011-06-22 23:20:48 [档案] [博客] 旧帖] [转至博客] [给我
悄悄话] 本文已被阅读：64次 字体：调大/调小/重... 阅读全帖 |
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w*******g
发帖数: 9932 | 9 Yes. There was a semi behind me as well. I am already in the process of
slowing when I took the picture.
I set cruise control at 65 mph but the right lane is slower than that, so
that I have to switch to middle lane. Then the semi behind me got inpatient
and started to pass me on the left, which of course takes a long time. I got
a car in front and another semi in the back.
So I was completely boxed in.
I admit that I wasn't paying attention since I was cruising with foot off
the gas paddle.
In ... 阅读全帖 |
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PK
发帖数: 1153 | 10 The buyer won the bid on Saturday. I mailed the item using USPS priority on
Monday. The tracking info shows that it will be delivered today. However,
the buyer left me a negative feedback yesterday saying the delivery is too
slow.
I have never seen such an inpatient buyer before. I claimed two business day
handing time in the original listing. Even not considering the storm in
east coast, receiving an item in 4 business day is super fast for most
people.
As the feedback is obviously unfair, coul |
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b***b
发帖数: 13249 | 11 回楼上的问福利的：
NJ:
http://blog.sina.com.cn/s/blog_640e23a10102dvni.html
父母有绿卡后在美国的医疗福利
(2012-01-08 00:07:08)
转载▼
标签：
美国
父母
探亲
医疗保险
绿卡
medicare
medicaid
杂谈
分类： 杂记
成为美国公民后，很容易给父母申请绿卡。有绿卡的老人，在美国可以享受更多的医疗
福利。我收集到的信息如下。
MEDICARE是联邦政府面向老人的主要医疗计划。在美国工作10年，或者累计够40个点，
65岁后可以免费享受PART A 和PART B 计划。PART A 是住院的费用 INPATIENT
HOSPITAL SERVICE， PART B 是看门诊的费用OUTPATIENT SERVICE， PART D 是处方药。
没有在美国工作过的65岁以上的老人，自拿到绿卡之日连续住满五年，就可以购买
MEDICARE。 费用大约是：PART A $451／月，PART B $100／月， PART D $30／月 。
PART A 和PART B 并不是很好的保险计划，... 阅读全帖 |
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b***b
发帖数: 13249 | 12 拿了绿卡有什么好处？有了绿卡可以不必为签证而烦恼，回国比较方便，此外找工作时
可以少些限制，这可能是当初自己所能想到的好处了，而一旦递交绿卡申请，原来的签
证就不能用了，要申请EAD，免税从此就没有了，实际收入马上明显减少了。
后来有朋友问及办了绿卡可否以呆在国内为主，后来一查才发现，绿卡不仅会过期，而
且要在美国居住一定时间才可以。下面就将找到的一些资料贴这里，仅供大家了解与参
考啊！
●绿卡常识
●美国绿卡小知识
●美国绿卡的权利你知多少?
●美国绿卡持有者拥有哪些权利与福利
●父母有绿卡后在美国的医疗福利
●拥有美国绿卡之后能享受的福利：养老医疗保险一样不少
●父母来美国B2探亲医疗保险在哪里买
●What Public Benefits Can a Green Card Holder Receive?
●Immigrants qualify for Obamacare once they become permanent residents
●绿卡使用注意事项
●美国绿卡持有人回母国工作所应注意事项
――――――――――――――――――――――――――――――――――――
绿卡... 阅读全帖 |
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s********n
发帖数: 4535 | 13 比如说我如果选择带HSA的保险(用A表示)，公司contribute $1500/yr，保费大概少$
300,也就是和PPO相差$1800的balance
在具体使用的时候，相比较PPO每次 doctor office visit固定$15~$25，A保险在
deductible(具体数额没说)之外自己还要付10%.
对其他类型的比如inpatient, outpatient，PPO是直接付10%,而A保险要先付
deductible再付10%
这样的情况如果看病多的话，很有可能A保险每次deductible付的那些就多于$1800了 |
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g******1
发帖数: 295 | 14 有兴趣的话发简历至hzheng At guardanthealth.com
ABOUT THE ROLE
As Senior Clinical Trial Manager (Sr. CTM), you’ll be responsible for the
successful design and day-to-day execution of clinical trials from the
protocol concept through publication. You ensure completion of study
deliverables, typically work on studies that are either internally driven or
investigator initiated, proactively identify and resolve clinical project
issues and participate in process improvement initiatives. You’ll engage
with st... 阅读全帖 |
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g******1
发帖数: 295 | 15 email resume to arthurbuffet At hotmail dot com if interested
Senior Clinical Trial Manager at Guardant Health Redwood City, CA
ABOUT THE ROLE
As Senior Clinical Trial Manager (Sr. CTM), you’ll be responsible for the
successful design and day-to-day execution of clinical trials from the
protocol concept through publication. You ensure completion of study
deliverables, typically work on studies that are either internally driven or
investigator initiated, proactively identify and resolve clin... 阅读全帖 |
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m***y
发帖数: 14763 | 16 Takes 12 hours for vinegar to kick in. If you are inpatient, try muriatic
acid. |
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m*****9
发帖数: 152 | 17 说的主要是住院医。不过似乎内科也好不了，inpatient会诊不是随时有吗。外科倒都
是先约的，除了急诊。我想做家庭医生，应该时间比较固定。 |
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s**p
发帖数: 207 | 18 I bought ICS prime plan rather than plan A
with 20$ more on half a year. I eliminate the 1500 maximum inpatient
hospital services.
when you are in hospital, $1500 is really not enough.
I am not a professional. This is just a suggestion.
best rgds. |
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y****e
发帖数: 15 | 19 陪我去做手术的朋友刚打来电话，更正了我的说法，我术后有吃止痛药，不过到第二天开始就不再吃止痛药了。
刚收到保险公司来信，说不报销手术后的住院费用（住院2天），还没有收到医院的账单，也不知道要付多少。心里万分焦急，望大家能给我出出主意！
我做了一个outpatient surgery（术后不需要住院马上回家的那种），术后非常疼痛而不能立即下地用拐杖行走（如果可以行走就可以马上回家），术后我有吃止痛药（这个情况我自己记不清了，是陪我手术的同学朋友在场说的，他们说我那时候护士问了我疼痛级别后拿止痛药给我，我没问太多就吃了），但住院后我坚持不服用止痛药而只服用了缓解疼痛的Tylenol。当时我的主刀医生已离开，驻院医生不太了解我的手术情况，说那就住院吧。现在收到保险公司mail，说"we can not approve coverage for inpatient care after your surgery. This was not medically necessary. Your condition was stable. You took only Tylenol for pain |
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s*****4
发帖数: 4 | 20 刚来美国不久，向有经验的师兄师姐请教！
lg学校的统一保险贵（每年2400$），因他几乎从不看病，我有意帮他买个便宜些的。
我打电话问学校对保险的要求，对方说500,000$ 的annual benefit,
并要包括inpatient和outpatient服务，mental 和physical therapy.
我上网查询了各种保险，没提到“annual benefit”这一参数，也没有专门罗列
保险的范围是physical的还是mental。只有deductible，copay百分比这些。
我迷惑，是说这些保险的annual benefit没有上限？
并且默认了physical和mental都保？
学校的要求是不是大部分保险都能达到，没什么难的？
非常感谢！ |
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l*h
发帖数: 4124 | 21 this is NOT true. there are many methods of preparing BCG. only the British
method has been linked to ~10% PPD positive rate. all other methods have
nothing to do with positive PPD. unfortunately Chinese patients are so
successful in brainwashing doctors in other countries. the truth is TB
infection is still very common in China. in such wards as neurology,
pulmonary medicine and gastroenterology, you always see 10-20% of the
inpatients in most medium to big hospitals are TB patients even though... 阅读全帖 |
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l*h
发帖数: 4124 | 22 heart attack and chronic kidney failure on the background of diabetes makes
it kind of tricky to manage.
1. basically no expensive procedures can be done. the department will make
no big money on your dad.
2. it's easy to develop new complications for these conditions. this will
drag down the inpatient QC statistics of the department and the hospital,
causing the them to lose money.
so it's all about money, to be honest. try hospitals of 二医 or 二军医
systems. you may have better luck at 二军医 because... 阅读全帖 |
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l*h
发帖数: 4124 | 23 as a matter of fact, you have a very high chance of becoming actively
infected with TB in your life time if not treated now.
BCG has nothing to do with your PPD test. it is a big lie originated from
China that BCG causes false positives. in the last several years, health
authorities around the world have realized they cannot trust these claims
from China any more. there once was a different PPD preparation method in
the UK that caused some false positives but it had never been used in China.
loo... 阅读全帖 |
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l*h
发帖数: 4124 | 24 as a matter of fact, you have a very high chance of becoming actively
infected with TB in your life time if not treated now.
BCG has nothing to do with your PPD test. it is a big lie originated from
China that BCG causes false positives. in the last several years, health
authorities around the world have realized they cannot trust these claims
from China any more. there once was a different PPD preparation method in
the UK that caused some false positives but it had never been used in China.
loo... 阅读全帖 |
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c**l
发帖数: 121 | 25 下星期就要做手术了，今天收到保险公司的信，没有approve。 有一点没有搞懂，信上
说service denied: inpatient hospital stay. 我不明白是整个手术没批准，还是手
术后住院的那两天没批准。因为医生说手术后要在医院呆2到3天。现在是周末，医院负
责的人没有上班，联系不上。请懂的朋友指点，多谢！ |
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y**g
发帖数: 2492 | 26 国内亲戚有有丙肝史，目前胸腔和腹腔积水，血清白蛋白只有正常人的一半，医生现在
怀疑是肝硬化引起的，建议可能要使用人血清白蛋白，具体的病因还在继续诊断。
目前国内北京和深圳似乎都很难买到人血清白蛋白，这个要在美国好像是inpatient的
IV treatment，请问一下
1， 这个人血清白蛋白对治疗肝硬化有没有什么用处？
2， 有没有可能在美国买到？
多谢了 |
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h***f
发帖数: 162 | 27 that involves face time w a radiologist. unlikely to happen unless you're an
inpatient at a large academic center.
remember, radiologists dont get paid to talk to you, they get paid to read
images. |
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j****i
发帖数: 496 | 28 1. Depends on stage, yes, for recurrent and advanced rectal cancer, certain
US medical centers have technologies, expertise, or trials that may improve
survival. For anything stage 1 or stage 2, I don't think treating in China
vs in US makes a lot of difference.
2. Just the rectal cancer inpatient surgery alone (no radiation therapy no
chemo) medical bill from top Bay Area hospital is $135K. If you decide to
stay here and treat, you might want to send him to a cheaper cancer center.
Your insur... 阅读全帖 |
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s***r
发帖数: 2604 | 29 小孩出生后进入了NICU，医院是in network的。但是NICU承包给了另一个group，（当
时医院没有告知，其实那种情况也没得选）
现在账单出来了，保险公司BCBS不cover，说不是in network，打了电话argue说可以改
成in network treatment，但是provider不是participating provider，所以还是基本
不管。
为什么NICU不算是Emergency,也不算是一次inpatient treatment，NICU group就一项
一项的charge，举个简单的例子，在NICU待了四天，每天一次medical visit，每次四
百多...
现在不知道该找谁了，是保险公司要求他们按照participating provider cover，还是
找生小孩的医院，问他们为什么不统一bill（我在网上查，好像有些州是要求in
network facility统一bill，我在Illinois，没看到相关规定），还是找NICU Group，
要求他们打折。
求建议，谢谢... |
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t**x
发帖数: 20965 | 30 感觉答非所问。 估计真出了事故人家才这么问，不按照规章制度肯定容易出问题。建
议家里有老人小孩的看看。
我查了一下，估计ICU医生的，感觉很多医生都做不到。
1. Visit and personally evaluate each patient admitted by 5pm on weekdays
and NOON on weekends (Saturday or Sunday) by close of day, and complete
documentation in the EMR within 24 hours of the visit.
2. Visit and personally evaluate each patient admitted after 5pm on weekdays
and NOON on weekends (Saturday or Sunday) by the following morning, and
complete documentation in the EMR within 24 hours of the visit.
3. Visi... 阅读全帖 |
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c***n
发帖数: 809 | 31 【 以下文字转载自 Medicalpractice 讨论区 】
发信人: cnnfn (cnnfn), 信区: Medicalpractice
标 题: 怎样才能要求去IRH
发信站: BBS 未名空间站 (Tue Mar 15 16:46:52 2016, 美东)
我妈10几天前stroke, 现在恢复的PT还好，搀扶能走100米，但OT和SLP都很差，基本上
不知道自己在干什么，能遵守一些简单的指令。但自己表达很差。现在医院要
让她回家自己24x7， 我感到她需要inpatient rehab hospital再加强康复，但医生
说她已经能走100米, PT已经不合格了，我问为什么不能去IRH康复OT， 也没结果。
我想in home care or assisted living 对与前期恢复应该没IRH好，怎样才能
要求去IRH？ 这样情况能据discharge plan, appeal有可能吗。十分感谢。 |
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t*c
发帖数: 6929 | 32 刚来时国内观念重，有事马上去医院，总觉得在医院里等待
比较放心。现在觉得没有预约去看病不放心，也讨厌国内医院里人挤人，乱哄哄，草率
的环境。
我有ppo, 但也选了一个自己比较放心的家庭医生，家人都在那边看，互相很熟悉。如
果不急，预约自己方便的时间，如果急，比如高烧等，一般电话过去当天就能看。这边
有几家urgent care，开到晚上9点，随时可以去，保险公司手机app有自动定位，即使
外地也方便，最长一次urgent care等了45分钟，常常在20分钟之内。家庭医生晚上周
末有call service。
急诊孩子用了一次，半夜肚疼发烧，马上联系家庭医生，他立即指示去急诊，怀疑阑尾
炎，等我们到急诊，那边护士已得到家庭医生电话安排直接进治疗室处理，不要等。
住院也有过，家庭医生发现孩子肺部有罗音，护士马上联系医院直接inpatient
admission, 还是私人病房方便我们陪住宿。我自己还做过门诊手术，安排也非常
smooth。
其实美国的医疗就是很多公费医疗国家人民向往的私人医疗，贵一点值得，对比香港，
有能力的都会另外花钱去私家医院医生，也需要预约，条件也就是美国普通人的... 阅读全帖 |
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m***i
发帖数: 980 | 33 inpatient住院每天250的copay，其他什么都不用付。我是C的，一共待了4天，1000块
。宝宝们待了6天，一分钱没有付。 |
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s******s
发帖数: 593 | 34 保险公司是BCBS, 我用的计划是PPO NETWORK,后悔死了,朋友说生小孩最好用HMO.现在
收到两个大的帐单,一个是麻醉,一个是医院.麻醉的问题出在麻醉师不是NETWORK里的,
我选的医院和OB都是NETWORK里的,谁知道生孩子时医院值班的麻醉师不是NETWORK呢,保
险公司一开始分文不出,后来我打了电话,他们才说理解我的情况,因为这根本由不得我
选择,结果重新调整吧,还是只COVER一点点,要我出2000多的大头.现在麻醉师那里就叫
我先把保险公司给的支票寄给他们,剩下的,他们再和我一起跟保险公司说说看(谁知道
会怎样). 另一个帐单是医院的,1000多,也很郁闷,其中500居然是没有
precertification的penalty,保险公司说了inpatient需要precertification的,可是我
怎么知道要事先打电话给他们.医院也不管这事,我都不知道找谁说好.保险公司说我可
以appeal,可是怎么appeal,用什么理由.
请有经验的JM说说.谢谢了. |
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m***i
发帖数: 980 | 35 医院和OB的账单都是分开的。250是医院的Inpatient的COPAY。OB都是单算的。
不过要看你的保险policy。同一个公司的HMO还不一样呢，我的是individual select
HMO
每天250，但不用付OB的钱，还有宝宝也全包。 |
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c**a
发帖数: 889 | 36 一年要$2808,这个保险好吗，是不是很贵啊
自己做外面买能买到更好更便宜的吗。谢谢
deductable: preferred $250
non-preferred $1500
out of pocket: preferred $1500
non-preferred $4000
Maternity Benefits
Covered Medical Expenses include inpatient care of the Covered Person and an
y newborn
child for a minimum of 48 hours after a vaginal delivery and for a minimum o
f 96 hours after
a cesarean delivery.
Any decision to shorten such minimum coverages shall be made by the attendin
g Physician in
consultation with t |
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t*****g
发帖数: 2941 | 37 打算生孩子的话,用Kaiser,Blue Shield HMO,还是Blue Shield PPO好呢?
选保险,主要看那一块? Outpatient copay? precription copay? inpatient
admission charge?
我是平常几乎不看医生的那种. |
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s*********a
发帖数: 1409 | 38 HMO, copay 20, inpatient 250, so total will be 270. |
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f***f
发帖数: 813 | 39 150刀。。。which's the deductible for each inpatient stay. |
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m****o
发帖数: 5689 | 40 bcbs的保险，一共花了500刀
包括copay，inpatient，拿的抗生素，血糖试纸等等
不过我们每个月几百的的保险费都是公司给付的，自己一分钱没付过
保险公司头上。不过，出现很多自费项目，估计要超过6K了。顺便求跟医院、保险公司
的砍价经验，谢谢！
们都不信，他们最后只出了2K，如此悬殊，郁闷…… |
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f********m
发帖数: 197 | 41 刚工作，很没经验，就上这里来求助了...
我的情况是，和老公异地，他有自己的保险，我不需要配眼镜，也没打算看牙医，FSA
里的钱纯粹是用来cover生孩子copay的部分。可我读了自己的保险terms，发现还是很
迷糊，不知道有没有JMs有经验的给讲解一下...
我用的是BlueCross,保险上关于手术和住院的条款如下(后面的数额就是我需要copay的
部分)：
Surgery and related anesthesia:
*Office setting $0
*Abulatory surgical facilty, hosptial, or surgical day care unit $250 per
admission
Inpatient Care(including aternity care)
*General or chronic disease hospital care $500 per admission
*Rehabilitation hospital care $0
*Skilled nursing facility care $0
这上面条款的意思是说我剖... 阅读全帖 |
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w****r
发帖数: 1384 | 42 just for reference.
in our company, you can add money to your FSA in 30 days of the birth of
your baby.
Then use this money to pay the bill.
I put 3000$ in FSA, and used in one day.....
BCBS TX, covers only 80%, and each of them (mom and baby) has a 1000$
deductible and 250$ inpatient copay (or coinsurance?). |
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p********2
发帖数: 9939 | 43 我生娃的时候pediatrician也是out of network的。账单也是分开bill。都被
insurance deny了。一开始根本不知道什么原因，保险公司给的理由也是乱七八糟，一
个电话一个样，我就不断打保险公司和医院的电话。医院帮我appeal也被据的。后来终
于有个账单被通过了，但是说是out of network。这样就好办了。
既然一个账单通过了，那么其余的都应该通过。因为悲剧的理由是一样的
然后生娃是inpatient，没有选折医生的能动性。所以也应该算是in network的。
这样，几个月的拉锯，终于所有claims都clear了。 |
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f******y
发帖数: 265 | 45 谢谢， 按次算每次100？ 一年生两次共付200（虽然这个有点牛） ^_^ |
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c*******e
发帖数: 9475 | 46 是的。我倒是真认识老大老二相差11个月的。可惜不是同一年 |
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s******g
发帖数: 632 | 47 我的是BCBS EPO，所有prenatal和outpatient都是免费，生的时候inpatient交500
copay就行。这是insurance company的人说的，还没收到账单呢，不知道最后到底是不
是这样。。。 |
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t******w
发帖数: 225 | 48 大过年的被郁闷到了
女儿去年12月1日出生，由于体温稍高进了 NICU
不过老婆有保险，也在女儿出生后24小时之内给保险公司打了电话
所以就没有担心帐单
昨天收到了保险公司寄来的收款付款记录，感觉有些离谱
医院向宝宝charge了两个item，都是"12/01/11-12/04/11 Inpatient Hospital",一项
是$13757,还有一项是$5000。
$5000的通过"Savings"给免掉了，$13757通过"Savings"给免掉了$6994.6，然后保险公
司的Benefit Amount是$1500,最后"Patient Responsibility"是$5262.4（在"Co-pay"
一项里也是$5262.4）。
也就是说，我们需要付$5262.4。
老婆的保险就是学校要求学生参加的那种，公司是Aetna，查了一下policy，发现有一
项"Routine nursery care of a newborn child of a covered pregnancy"写的是"
Reasonable Expenses up to $1500 Maximum p... 阅读全帖 |
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o****n
发帖数: 538 | 49 我刚刚打电话去向保险公司（aetna ppo）询问了几点关于newborn的insurance policy
——猜想大概一般的大保险公司policy都差不多——想进一步跟版上新妈和准妈求证一
下：
1）妈妈的保险是可以cover小孩出生头31天的，但"catch"是——他们cover小孩的
sickness or any other emergency care，但routine care（打个疫苗阿、量个身高体
重阿）他们不保。。。 。。。我还不知道头31天是不是一定有routine care on
schedule⋯⋯ 最早一针疫苗是一出生就要打的吧，但那属不属于可以被
cover的范围内呢？
2）保险允许在newborn出生的31天内随时renew plan，将它加进去。不受一年一次或两
次annual renew的限制。
3）一般inpatient hospitalization，就是住院都需要提前打电话给保险公司获得
permission（“prior authorization”），但孕妇生产如果是顺产3天内／剖腹产5天
内stay at hosp... 阅读全帖 |
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c*****2
发帖数: 83 | 50 大家怎么能提前知道保险包不包括epidural? 好像有的管，有的不管，还有的只管麻醉
师在network里面的。
有人说到时候如果发现不管的话可以跟保险公司argue一下。这个项目在保险文件里一
般都没有明确的约定吗？我在比较几个不同的保险，偏向Cigna, 但还没有最终买，但
是现在能看到的文件里面都没有这一项的明确规定。
翻之前的帖子看到到时候是三个账单，一个医院的，一个OB的，一个麻醉师的。
Cigna的brochure里面在 in patient services那一栏写了facility services (
inpatient room and board, pharmacy, lab and X-ray, operating room etc.), 还
有physician services. epidural是属于这一栏的吗？还有另外一栏就笼统地写了一
个surgery.
有用过Cigna的妈妈、准妈们，可否分享一下经验？谢谢。 |
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