Insurance fees

The cost of health insurance usually involves monthly premiums as well as other financial responsibilities, such as copays and coinsurance.

Although these terms seem the same, these cost-sharing arrangements work somewhat differently. Here’s a breakdown:

  • Coinnurance。You pay a fixed percentage (such as 20 percent) of the cost of every medical service you receive. Your insurance company is responsible for the remaining percentage.
  • Copay.You pay a fixed amount for particular services. For example, you may have to pay a $20 copay every time you see your primary care doctor. Seeing a specialist may require a higher, predetermined copay.

另一种成本分享考虑因素被称为adeductible。Your annual deductible is the amount of money you’ll pay for services before your health insurance starts to pick up those costs.

根据您的健康保险计划，您的免赔额可能每年可以是几百或几千美元。

继续阅读，了解有关Coillance和Copays的更多信息以及他们如何影响您在获得医疗服务时会欠所欠款的金额。

Understanding copays, coinsurance, and deductibles can help prepare you for the costs of receiving medical treatment.

某些类型的访问只需要一张持续的。其他类型的访问将要求您支付总票据（CoilUnsurance）的百分比，这将向您的免赔额加上一份复制。有关其他访问，您可能会收取全额访问金额，但不支付额外费用。

If you have a plan that covers 100 percent of well-visits (yearly checkups), you’d only be required to pay your predetermined copay.

If your plan only covers $100 toward a well-visit, you’d be responsible for the copay plus the remaining cost of the visit.

For example, if your copay is $25 and the total cost for the visit is $300, you’d be responsible for $200 — $175 of which would count toward your deductible.

However, if you’ve already met your full deductible for the year, then you’d only be responsible for the $25 copay.

If you have a coinsurance plan and have hit your full deductible, you’ll pay a percentage of that $300 well-visit. If your coinsurance rate is 20 percent, with your insurer covering the other 80 percent, then you’d have to pay $60. Your insurance company would cover the remaining $240.

始终咨询您的保险公司，以确保您知道所涵盖的内容以及您的职责是针对各种服务的。您还可以致电医生办公室，并在预约之前询问您的治疗费用。

大多数健康保险计划都有所谓的“超出袖珍”。最多的是您的计划所涵盖的服务。

一旦您在经济上的最大值，Coildurance和Deptulebles中，您的保险公司应支付100％的任何额外费用。

Keep in mind that out-of-pocket totals don’t include money paid by your insurance company to your doctor or other healthcare provider. The figure is strictly money you paid for healthcare.

同样,一个人计划将有一个低得多的你t-of-pocket maximum than a plan that covers an entire family. Be aware of that difference as you start to budget your healthcare expenses.

健康保险旨在保护个人和家庭免受医疗保健成本上升的影响。这通常不是很便宜，但它可以长期挽救金钱。

保险公司需要每月保费。这些是您每月向保险公司付款的付款，以便您有保险，以涵盖常规和灾难性的问题。

无论您是否每年一次访问医生或在医院花费几个月，您都要支付保费。通常，您将支付低扣除计划的计划每月保费。随着扣除失效，月费通常会增加。

Health insurance is often provided by employers to full-time employees. Small companies with only a handful of employees may not choose to provide health insurance because of the expense.

您也可以选择从私人保险公司获取健康保险，即使您已雇用全职，并可选择雇主赞助的健康保险。

获取健康保险时，您应该收到有涵盖成本的列表。例如，救护车中的急诊室的旅行可能需要250美元。

在这样的计划下，如果您还没有达到免赔额，并且您在救护车中进入急诊室，您必须支付250美元。如果您达到了可扣除和救护车，骑行率为100％，那么您的骑行应该是免费的。

在某些计划中，主要手术占100％，而核对或筛选只能涵盖80％。这意味着您对剩下的20％负责。

在选择计划时审查经营汽车，CONUNSURANCE和DESTIBLES很重要。请记住您的健康历史。

If you’re expecting to have major surgery or deliver a baby in the coming year, you may want to pick a plan where the insurance provider covers a higher percentage for these types of procedures.

因为您永远无法预测事故或未来的健康问题，也考虑每月支付多少费用，如果您有意想不到的健康状况，您有多少人负担得起。

That’s why it’s important to look at and consider all of the expected costs, including:

  • deductible
  • 超出口袋最大值
  • 每月溢价
  • cop
  • CoilUnsurance.

Understanding these expenses can help you understand the maximum amount of money you may owe if you require a lot of health services in a given year.

In terms of health insurance, a network is a collection of hospitals, doctors, and other providers that signed on to be preferred providers on your insurance plan.

These are in-network providers. They’re the ones your insurance company prefers you see.

无网络提供商只是那些未签署计划的人。看到无网络提供商可能意味着更高的袖足成本。这些费用可能不适用于您的免赔额。

Again, it’s important to make sure you know the ins and outs of your insurance plan so you know who and what are covered. An out-of-network doctor may be in your hometown, or they may be someone you see when you’re traveling.

如果您不确定您的首选医生是否在网络中，您可以致电保险提供者或医生办公室查明。

Sometimes doctors drop out of or join a new network, too. Confirming your doctor’s network status before each visit can help you avoid unexpected costs.

Health insurance can be a complicated matter. If you have insurance through your employer, ask who at your employer is the contact person for questions. It’s usually someone in the human resources department, but not always.

您的保险公司还应有客户服务部门回答您的问题。

在开始保险计划时要记住最重要的事情是要知道：

  • all of your costs
  • when your plan takes effect (many insurance plans change in the middle of the year)
  • what services are covered and for how much

您可能无法计划重大运营或伤害，但如果您遇到主要医疗问题，保险可以帮助减少财务负担。