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Vivinavi Los Angeles自営業者の健康保険
- #1
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- yaya~
- 2012/12/05 21:33
自営業されている方にお聞きしたいのですが、皆さん、健康保険は、どの会社のものに加入していますか?プランにもよると思うのですが、お話を聞きたいです。宜しくお願いします。
- #20
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会社の福利厚生として、Kaiserに入っています。
グループ保険でも、かなりカバーのいいグループ保険なんだと思いますが。。。夫婦二人のみの加入にも関わらず、給与明細からすると、ほぼ1000ドル毎月払っている様子です。KaiserってHMOなのに、この値段?!と思うんですが。。私の純負担額は、月々200ドルちょっとなんですけど、それにしても、いずれ独立した際に、全く同じカバーを求めようと思ったら、どれだけ払わなければいけないんだろう。。。と思うと、気が遠くなりますね(涙)。
しかも、Kaiserって、Blue Shieldより安いんですよね。
起業を考えてましたけど、保険のことを考えると、躊躇します。
- #21
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- ルーシールーシー
- 2013/01/06 (Sun) 11:29
- Report
Kaiserでもいろいろな種類のプランがあり、カバー率によっても掛け金が違ってきます。
ちなみに私の勤め先はKaiser(HMO)とAnthem(HMO)、Anthem Select(HMO)、Anthem Select PPOの4つのプランから選べることになっていました。
ファミリーでの掛け金を、Kaiserと従来のAnthem(HMO)を比べると、やはりAnthem(HMO)の方が30%ちょっと高いです。
Anthem Select(HMO)は今年初めて加えられたプランで、これですと掛け金はKaiserより少し(10%弱ほど)安めになります。
が、このプランだとこのプランに入っているHMOのドクターしか使えなくなるので、ドクターのチョイスが狭まります。
従来のAnthm HMOに加入していた人からは、自分のホームドクターがSelectのプランで使えなくなるのではと問い合わせが殺到し、プラン決定の締め切りが延長される事態になりました。
Anthem Select PPOのプランはAhthem HMOより逆に若干安く、Kaiserの約25%増しの掛け金でした。
In-Networkに加入しているドクターだとDeductible $750/person or $1500/familyでその後は90%カバー、Office visitとPreventive careはDeductible無しで100%カバーと凄く良いカバー率です。
が、Out-of-Networkのドクターだと、Deductibleが$1250/person or $25000/familyで、カバー率も保険会社が認める金額の70%に下がります。
以上、ご参考までに
- #22
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- はいどうぞ。
- 2013/01/06 (Sun) 11:39
- Report
>Deductibleが$1250/person or $25000/family
ルーシーさん、Family deductibleの桁がひとつ多くない??
- #23
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- ルーシールーシー
- 2013/01/06 (Sun) 11:40
- Report
書きわすれましたが、Kaiser HMOとAnthem HMOのOfiice visitでのCo-payは$15で、他の検査や治療代などは100%カバーです。
Emergency roomに行った時だけCo-payが$100に上がります。
もちろん、薬代もジェネリックだと1ヶ月分$10、Mail Orderすると3か月分が$20といった感じです。
- #24
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- ルーシールーシー
- 2013/01/06 (Sun) 11:42
- Report
#22はいどうそ。さん
そうですね、タイプミスしました。
Out-of-NetworkのFamily deductibleは$2500です。
Posting period for “ 自営業者の健康保険 ” has been closed.
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