Let’s face it–in today’s world, health insurance is a necessity. In fact, most U.S. 公民和合法居民必须拥有合格的健康保险,否则将面临罚款税. Yet the cost of medical care is soaring higher every year, and it’s becoming increasingly difficult (and in some cases, impossible) to pay medical costs out of pocket. Whether you already have health insurance or want to get it, here’s some basic information to help you understand it.
你可能有团体健康保险,或者可以通过你的雇主购买. Group insurance is most commonly offered through employers. 它也通过一些民间团体和其他组织提供.g., auto clubs, chambers of commerce). 一份保单涵盖了一群人的医疗费用. 所有符合条件的团体成员,不论年龄或身体状况,均可享有团体保单. 团体保险的保费是根据团体的整体特点计算的, such as average age and degree of occupational hazard. It’s generally less expensive than individual insurance.
If you can’t join a group, consider buying individual insurance. Unlike group insurance, 个人保险直接向保险公司或保险代理人购买. 当你申请时,保险公司会根据你给保险公司带来多大的风险来评估你. 你的潜在风险将决定你是否有资格获得保险以及保险的费用, depending on state laws. You must pay the full premiums yourself.
If you have to go it alone, 你可以通过以州为基础的平价保险市场购买健康保险. You can compare health plans according to price and quality, 最终购买一个最能满足你健康保险需求的负担得起的计划.
您的健康保险所提供的费用和保障范围将取决于您的保险公司和您购买的特定保单. 你可能有综合健康保险,包括几种类型的保险, or basic coverage that includes hospital, surgical, and physicians’ expenses. 此外,在发生灾难性事故或疾病时,主要医疗保险是必要的. 许多计划还包括处方、心理健康服务和其他与健康有关的活动.g., health-club memberships).
当谈到健康保险时,HMO、PPO和POS不仅仅是字母. 你需要知道可用的健康计划的类型,这样你才能做出明智的决定. 你可以通过蓝十字/蓝盾等传统保险公司获得健康保险, health maintenance organizations (HMOs), preferred provider organizations (PPOs), point of service (POS) plans, and exclusive provider organizations (EPOs).
你应该对保险单的保险范围有一个基本的了解. 这可以帮助您防止意外的医疗账单到达您的邮箱, because you’ll know ahead of time, for instance, whether or not liposuction is covered. 你必须仔细阅读保险单,特别是关于限制和除外条款的部分. The specifics will vary from policy to policy. 一般来说,大多数政策至少会提到以下几点:
您的健康保险政策还应解决以下问题:
In conclusion, 拥有健康保险是每个人生活和财务计划的一个重要方面. 有很多选择可供选择,掌握一些基本信息可以帮助你评估什么适合你和你的情况.
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