医疗保险: HMO,PPO - 未名空间MITBBS历史存档

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医疗保险: HMO,PPO

医疗保险: HMO,PPO# ChineseMed - 中医

D*t2008-09-24 07:09

1 楼

http://www.familymedicallagrange.com/general/hmo-ppo.shtml
HMO - Health Maintenance Organization
An HMO is a prepaid health insurance plan which includes an organized
network of healthcare personnel and facilities which offer a wide range of
services including preventative care to its members. An HMO provides most
aspects of health care that a member may need. When an HMO manages your
healthcare, however, they usually require you to use only the doctors and
hospitals belonging to its network. If

D*t2008-09-24 07:09

2 楼

PPO - Preferred Provider Organization
A PPO encompasses features of an HMO and private insurance. Plans are
usually made up of a pre-selected group of physicians and hospitals that
have contracted with insurance companies or employers to provide medical
care at a discounted rate. Patients are encouraged to use "in network"
providers or risk paying a greater percentage of the bills. Often, there is
a "co-payment", or small fee required each time you visit your doctor. You
may choose doctors and h

D*t2008-09-24 07:09

3 楼

PCP - Primary Care Physician
Many managed care plans will require you to choose a PCP to oversee, or "
manage" your medical care. This doctor could be a family doctor, internist,
pediatrician, or obstetrician/gynecologist, and would be the gatekeeper of
your health care - the first person you should see for any illness. This
physician would then either treat you or refer you to a specialist when
necessary.

D*t2008-09-24 07:09

4 楼

有没有人用HMO的? 可不可以说一下?

h*g2008-09-24 07:09

5 楼

HMO 也有可以看中医的，比方说KAISER的保险就付，
但是一定要洗衣的批准转诊，其实如果病人要求的话，一般洗衣都会批准的。

D*t2008-09-24 07:09

6 楼

在加洲的人真幸福. 不但有中医看, 还有保险可付....
问一下, 看中医或针灸, 保险有次数限制吗?
这年头, 保险公司就是大爷.

t*n2008-09-24 07:09

7 楼

俺以前用过HMO，但是没看过病，所以不知道

【在 D*****t 的大作中提到】

: 有没有人用HMO的? 可不可以说一下?

h*g2008-09-24 07:09

8 楼

不同的计划，限制不一样。
具体问你自己的保险代理，或是去问你当地的中医师。他们一般会知道的。

【在 D*****t 的大作中提到】

: 在加洲的人真幸福. 不但有中医看, 还有保险可付....
: 问一下, 看中医或针灸, 保险有次数限制吗?
: 这年头, 保险公司就是大爷.

t*n2008-09-24 07:09

9 楼

that
for

【在 D*****t 的大作中提到】

: http://www.familymedicallagrange.com/general/hmo-ppo.shtml
: HMO - Health Maintenance Organization
: An HMO is a prepaid health insurance plan which includes an organized
: network of healthcare personnel and facilities which offer a wide range of
: services including preventative care to its members. An HMO provides most
: aspects of health care that a member may need. When an HMO manages your
: healthcare, however, they usually require you to use only the doctors and
: hospitals belonging to its network. If

n*p2008-09-24 07:09

10 楼

that
for

【在 D*****t 的大作中提到】