健康pp王者电子官网的种类

健康pp王者电子官网 is not one-size-fits-all, and the number of options reflects that. T在这里 are several types of health insurance plans to choose from, and each has associated costs and limitations on providers and visits. 但你如何缩小对你最好的?

五种健康pp王者电子官网计划

健康pp王者电子官网计划主要有五种类型. They differ primarily in the doctors that you can see and the types of medical care that are covered. 健康pp王者电子官网类型有:

1. 健康维护组织(HMO)

HMOs usually limit coverage to a specific network of doctors w在这里 you establish a relationship with a primary care physician (PCP). 去看专科医生, a referral is typically required from your PCP for the costs to be included in the plan. Out-of-network emergencies are covered at network costs, but any other out-of-network medical expenses are your responsibility.

2. 首选提供者组织(PPO)

A PPO is a type of health plan w在这里 you pay less if you use providers in the plan's network and does not require a referral to see a specialist. 你可以找医生, hospitals and providers outside of the network without a referral for an additional cost.

3. 独家供应商组织(EPO)

类似于HMO, you have to pay full cost for out-of-network services (except emergencies), but you may have more in-network options and do not need referrals for specialists.

4. 服务点(POS)

有了POS计划，如果你找医生看病，你花的钱就少了, hospitals and other health care providers that belong to the plan's network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.

5. 高免赔额健康计划(HDHP)

An HDHP has a higher deductible than a traditional insurance plan and higher yearly out-of-pocket expenses. hdhp可以与a组合使用 健康储蓄帐户 (HSA), allowing you to pay for certain medical expenses with tax-free money.

包括哪些服务?

Regardless of the plan type you choose, all plans must cover 10 essential health benefits:

• 门诊医疗
• 紧急服务
• 住院治疗
• 妊娠和新生儿护理
• 心理健康和药物滥用服务
• 处方药
• 康复服务
• 实验室服务
• 预防保健
• 儿科护理

费用包括多少?

Each group is distinguished by a different ratio of financial responsibility between the insurer and the insured. 这些类别是:

• 铜: pp王者电子官网 pays 60%; you pay 40%.
• 银: pp王者电子官网 pays 70%; you pay 30%.
• 黄金: pp王者电子官网 pays 80%; you pay 20%.
• 铂: pp王者电子官网 pays 90%; you pay 10%.
• 灾难性的: pp王者电子官网 pays 100% after you meet a high deductible. 你必须在30岁以下才能注册.

The more insurance pays for medical expenses, the higher the monthly premium. Some people opt for a category such as Bronze or Catastrophic if they don't anticipate many medical expenses. 对于那些经常去看医生的人, foresee a big medical event or require a number of medications, 像白银这样的类别, 金卡或白金卡可能更合适.

如何获得健康pp王者电子官网

Open enrollment for many major medical plans is typically November through December. If you have a qualifying life event (such as getting married or moving), you may be able to make adjustments outside of the designated enrollment period.

If your health insurance isn't covered through an employer, you may be able to get coverage through the marketplace. 在游戏中走在前面, check your current 医疗保健 plan to review your coverage and understand your plan. 然后，看看 www.医疗保健.政府 有关更具体的医疗保健计划信息.

To find out how 状态 Farm® may be able to help with your 健康pp王者电子官网需求,请联系 今天你的代理.