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Vivinavi Los Angeles保険選びについて 教えて！！
- #1
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- てんた
- 2004/03/17 10:17
主人が 今月でフルタイムになるので 私たちの保険を今週中までに選ばなければなりません。
PPO HMO カイザー？？？歯の保険？？私には すっぱりわかりません
私たちは すぐにでも歯の治療を考えています。私も主人も前歯の差し歯を治療したいのです。それから 体も検査したいし 何より私は結婚して2年赤ちゃんが授からず 今年は本格的に検査をしようと考えています。
皆さんのお知恵を拝借したいのですが教えてください。
- #2
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- David2003
- 2004/03/17 (Wed) 11:23
- Report
PPOは、ほとんどの医療機関で診察が受けれますが、Co-Paymentが、割高です。
HMOは、HMOを取り扱ってる医療機関のみで、診察受けれます。Co-PaymentがPPOに比べて、安いです。
カイザーは、カイザー医療Networkのみでの診察なので、相当不便です。もし、緊急な事が発生した場合、近くにカイザーが無い場合は、遠くのカイザーに行かないといけなくなるので。
歯の保険は、保険契約をした日から３ヶ月間は、歯のクリーニング以外は、適用されない為、３ヶ月間待つ必要があります。ほとんどの歯の保険がその様な事になってます。
私の意見としては、もし、割高な保険料等を払うなら、巷で流行ってる、とある会社のメディカルベネフィットプラン等はいかがですか?私も、そのプランを今現在、使ってます。費用が保険料の３分の１になりました。
- #3
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- Sunny
- 2004/03/17 (Wed) 15:01
- Report
私もどの保険に入ればいいのか相当迷ってます。巷で流行ってるとある会社のメディカルベネフィットプランっていうのはどういうものですか？とっても気になります。
- #4
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- David2003
- 2004/03/17 (Wed) 16:16
- Report
某日系のマガジンなどに広告が出てますよ。
- #5
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便乗質問ですが！！ 皆さんは個人でどのような保険に入っていますか？？ ちなみにうちは家族3人でBlue Crossにはいっているけど、いまいち保険料も高いし、カバーもよくありません。どなたかいい個人保険を知ってる方、教えて下さい。よろしくお願いします。
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