有人买visitinsurance吗# NextGeneration - 我爱宝宝
h*n
1 楼
做功课做出来版上前辈过去推荐的cover怀孕前一个月能买的保险。
http://www.visitinsurance.com/
有几个地方不明白请jjmm们帮忙解释一下。
1.这两种plan都是讲Maternity coverage的：
一个是Up to $10,000 per Policy Year 那就是说最高给报销10k？（一个月保费39）
另一个是 Covered as any other illness （一个月保费48）
Accident & Sickness Medical Maximums - Per Injury or Illness $100,000
差别这么大？
80/20 co-insurance to $5000 是说自己copay 20%， out of pocket max 是5000?
$100 deductible per illness/injury
(reduced to $50 if Student Health Center)
这个Student Health Center 是个诊所吗 凡大学都有吗？
Pre-existing condition coverage ：
Pre-existing Conditions 12 months prior to Effective Date, waived after
12 consecutive months of coverage
买保险以前就有的病必须在保险生效前12个月前就有？那12个月内才有的呢？连续给
cover12个月
后免除掉？谁能解释一下什么意思？
找到这么一段更详细的解释，还是不太明白
Pre-existing Condition shall mean any condition for which a licensed
Physician was consulted, or for which Treatment or
Medication was prescribed, or for which manifestations or symptoms would
have caused a person to seek medical advice twelve
(12) months prior to the Effective Date of coverage under the Policy,
except if the Insured Person is covered under the Policy for
twelve (12) consecutive months, the Pre-existing Condition exclusion
will no longer apply and any eligible expenses incurred
thereafter will be considered for reimbursement
买这种保险cover生孩子，比不买去找医院ob减免有多大差别？
http://www.visitinsurance.com/
有几个地方不明白请jjmm们帮忙解释一下。
1.这两种plan都是讲Maternity coverage的：
一个是Up to $10,000 per Policy Year 那就是说最高给报销10k？（一个月保费39）
另一个是 Covered as any other illness （一个月保费48）
Accident & Sickness Medical Maximums - Per Injury or Illness $100,000
差别这么大？
80/20 co-insurance to $5000 是说自己copay 20%， out of pocket max 是5000?
$100 deductible per illness/injury
(reduced to $50 if Student Health Center)
这个Student Health Center 是个诊所吗 凡大学都有吗？
Pre-existing condition coverage ：
Pre-existing Conditions 12 months prior to Effective Date, waived after
12 consecutive months of coverage
买保险以前就有的病必须在保险生效前12个月前就有？那12个月内才有的呢？连续给
cover12个月
后免除掉？谁能解释一下什么意思？
找到这么一段更详细的解释，还是不太明白
Pre-existing Condition shall mean any condition for which a licensed
Physician was consulted, or for which Treatment or
Medication was prescribed, or for which manifestations or symptoms would
have caused a person to seek medical advice twelve
(12) months prior to the Effective Date of coverage under the Policy,
except if the Insured Person is covered under the Policy for
twelve (12) consecutive months, the Pre-existing Condition exclusion
will no longer apply and any eligible expenses incurred
thereafter will be considered for reimbursement
买这种保险cover生孩子，比不买去找医院ob减免有多大差别？