x********i
发帖数: 147 | 1 我来美时间不长，近日查出得了一种病，不会威胁到生命，但治疗起来需要一种很贵的药。我在学校有
insurance，但不cover药费。我查了下，这种药在国内也是进口的，很贵。我现在想买一种
prescription insurance，但我对买insurance一窍不通，能否推荐一些信誉好的
insurance company？因为我学校的insurance是学校帮我买的，所以我只需要prescription
insurance买药，不知道这样是否可行？ | g*****j
发帖数: 1211 | 2 This will be very difficult. The concept of insurance is to cover
uncertainty. A for-profit insurance company will never sell you an
insurance policy knowing that you intend to get coverage for an expensive
treatment. For this reason, if you buy insurance yourself, most insurance
company will not cover preexisting conditions.
However, healthcare is a complicated issue, and it is more than business.
For instance, group insurance usually will cover preexisting condition.
Most student insurance is a group insurance. Your school may offer
multiple student insurance choices and some may cover prescription drug.
People in the student clinic will be a good start to get these
information. The student affair office, or even ISSO may point you to the
right direction as well. Sometimes, your state will provide some type of
free-care for people with limited income, for which most students will
qualify. As a last resort, sometimes physician may directly request the
pharmaceutical company for humanitarian use of their medicine, in which
case your cost will be waived. | m******8
发帖数: 2153 | 3 Talk to your school personnel who is in charge of the insurance policy.
Usually you can purchase additional policy. Good luck and take care. | x********i
发帖数: 147 | 4 包子答谢ls两位，这段时间忙完就去联系学校和保险公司。谢谢啦 |
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