沒錯!!看一次急診要$634...而且不是台幣...是美金U.S dollar

在美國真的沒有生病的權利..

看個中醫也要60元...

所以要到美國學校念書的人..學校規定一定要有保險!!

如果是跟學校保的學生保險..通常不見得理賠很多..

像我是跟ACI保的..10000以下cover 80%...以上cover 100%

但是要理賠金非常的麻煩...

通常理賠方式有兩種..

一種是你去看的醫院或診所..幫你跟保險公司直接申請理賠..

只要保險公司願意cover..通常你只要付少量的錢..

像我每件最低自付額是$50..也就是我一定給付$50..但最高自付額是$2000

所以現在只能祈禱..我的保險公司能cover這筆高額的金額(對我這個窮學生而言)

而另外一種理賠方式就是你自己先把錢付清再去申請理賠..

這種就非常討厭..因為你要填申請表格..而且還要給醫生簽名...

手續非常繁雜...

所以美國人感冒都不太去看醫生..都吃類似台灣的成藥..

因為他們覺得看醫生太麻煩了..而且又很貴..

不過聽說民主黨的候選人要推行全民健保...

所以到時候可能也會跟台灣一樣醫療資源泛濫!!

想要到美國念書的人..身體最好很強壯..也最好不要出什麼意外!!

要不然那醫藥費真的貴死人><
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frankh1983 發表在 痞客邦 PIXNET 留言(3) 人氣()


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  • RubyOC
  • oh my

    挖~這筆費用 可真讓人為難吶!!!
    希望你一切順利。
  • 謝謝..這筆費用可以讓我回台灣看醫生了..但對美國人來講..這不是很貴..尤其我又是掛急診..

    frankh1983 於 2008/03/25 09:55 回覆

  • xchineboix
  • Not really! Americans do see doc when they are sick but they don't take antibiotics if only just cold or flu and no infection. They don't abuse antibiotics. The important thing is you must have health insurance here. If you don't, doc may refuse to see or may ask you to pay in front.
  • really? But my teacher told me " they hate to see doctor." Because they hate to write claim.I know health insurance is very important.

    frankh1983 於 2008/03/25 13:11 回覆

  • xchineboix
  • Your insurance policy is designed for individual person and mostly (foreign) student, not group policy. I had same type policy when was a student. Most working Americans have group policy from their employer which have less co-pay and no need to fill out claim. Doc will send claim directly to insurance company. Your teacher might have same type of insurance as yours if himself or herself is not covered by shool faculty group insurance. Or your teacher might be talking about seeing specialist which may need insurance co approval before service and have waiting period. Most American students normally will be covered by their parent's group policy too unless their parents have no insurance. If you need to see doc, then try to see them during weekday. Some doc may open on Saturday. If close and you go to emergency, it is a highway robbery. Most isurance will require more patient co-pay or deductible for emergency even if it can cover your emergency because it wants less emergency usage.
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