美国的医疗体制太恶心了

狐狸大叔UID: 2342950

哦。。。不过大部分读phd什么的学校会给买保险吧?我看我同学的offer letter上都有保险
Guessy 发表于 2010-3-1 12:07

Insurance companies quote premiums to their clients based on age. It's likely you've heard it a thousand times in various commercials. For instance, they'll say that a 29-year old non-smoking male can be insured for $120 monthly, which sounds great. It may even be cheaper than your employer's plan. But what they're not telling you is what's disclosed in that tiny, tiny writing at the bottom of the screen; in other words, the 'fine print.' The person that gets this rate must have no reason to ever use the health insurance. Put more succinctly, he must be in pristine health with no pre-existing conditions. The insurance company won't use those words in their ads; but that, in effect, is the reality. Also, the deductible for this person may be $1,500 or more yearly. Some deductible options can be as high as $5,000. What is a deductible? It's the amount of money that you personally must pay for any covered medical services before the insurance policy will start paying benefits. (The deductible doesn't apply to everything in the policy, so be sure to read the terms carefully.) It's fairly safe to assume that, for most people, a policy with a $5,000 deductible would be useless. They'd be better off not having insurance at all, and paying everything out-of-pocket – which, in essence, is what they're doing plus paying healthcare premiums. Why pay someone else to insure you when you're probably not going to reach the level of annual medical expenses required before you receive any benefits?

。。。http://www.finweb.com/insurance/the-high-price-of-health-insurance.html

jiang08UID: 2391146

拜狐狸

hischildUID: 2143480

我一年的保险一千多，州法律规定的强制买。。。。

话说我从小到大都是天养着，都没怎么生过大病。来米国半年多还没感过冒，总觉着那个保险钱是扔水里了

狐狸大叔UID: 2342950

你真要用的话，1000刀的保险其实有没有基本也差不多

sacredno1UID: 208290

我觉得我保险还不错，dental的基本都cover 90%以上，我觉得很不错，而且每年2次免费洗牙

hischildUID: 2143480

我觉得我保险还不错，dental的基本都cover 90%以上，我觉得很不错，而且每年2次免费洗牙
sacredno1 发表于 2010-3-1 12:48

每年多少钱呀？真羡慕，不病好歹可以享受个服务。。。。我那个好像就有个配眼镜打折。。。

如果有选择我压根不会买那个破保险

sacredno1UID: 208290

不知道呀，学校给出钱搞的，叫什么employee insurance，和学生的保险不一样的

jiang08UID: 2391146

不知道呀，学校给出钱搞的，叫什么employee insurance，和学生的保险不一样的
sacredno1 发表于 2010-3-1 12:57

赞employee

srorangeUID: 2394002

没看过病。。哦眼睛干看了下

sublingnaUID: 205218

我也看到这个了..

sublingnaUID: 205218

我也就看了一次 眼睛..... 现在狂怕牙齿出问题

SpectoriaUID: 2488330

唉。。。似乎和国内情况差不多。。。

sacredno1UID: 208290

赞分页小公主

SpectoriaUID: 2488330

反赞大S:)