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Vivinavi Los Angelesアメリカの保険PPOについて
- #1
-
- may78
- 2010/10/27 09:05
これからアメリカで保険の加入をする予定なのですが、
現在妊娠中で、良い産婦人科を見つけたのですが、そこはPPOしか受け入れておらず、
United health PPOだったらほぼ全額カバーしてもらえるみたいなのですが、BlueCrossやAntheneだと一部しかカバーしてくれないとのこと・・・。
PPOの保険の中にBlueCrossとかUnited healthとかわかれているのでしょうか?アメリカで保険に加入をしたことがないのでいまいちアメリカの保険やPPOの仕組みがわかりません。United health PPOの加入はやはり金額が高いのでしょうか?
詳しく説明頂ける方、ご連絡お待ちしております。
- #2
-
- yam
- 2010/10/27 (Wed) 10:31
- Report
まず、今現在、妊娠中なら妊娠をカバーする保険に入れないはずです。大手の保険会社は無理ですね。小さい保険会社だと入れてくれるところがあると聞いた事があります。
United health PPOは聞いた事ないですが、そこに現在妊娠してるけど、保険に入れるかを聞いてみては?
あと、医療保険について、ライトハウスに載っていたので、見てみては。
http://www.us-lighthouse.com/daijiten/e-11503.html
- #3
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>PPOの保険の中にBlueCrossとかUnited healthとかわかれているのでしょうか
ＰＰＯの中に別れているのではなくて、ＢｌｕｅＣｒｏｓｓとかＵｎｉｔｅｄＨｅａｌｔｈの中にＰＰＯやＨＭＯとかいろいろプランがわかれています。同じ保険会社のＰＰＯでも、プランがわかれていて、どんな症状でどれくらいの保険金がカバーされるかによって毎月の掛け金もかわってきます。かなり複雑で、内容が変更されることもよくあるので、詳しいことは各保険会社に問い合わせて調べるといいと思います。
ＨＭＯとＰＰＯの違いは、ＨＭＯはあらかじめ指定されているドクターのなかから、かかる医者を選んでおく点です。ＰＰＯ
はその必要はありません。たいてい、どこのドクターでも受け付けてもらえます。ＨＭＯはうけつけないというドクターもいます。月々の掛け金はＰＰＯのほうが高いです。
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