w*******4
发帖数: 300 | 1 刚刚测出两条杠来，要常驻本版了
有一个关于保险的问题，我的policy上写，For charges from a Physician，copay是$
25 per visit. For charges incurred at a Hospital (including inpatient and
outpatient services)，copay是$100 per admission.
可是大多数医生不都是在hospital里么？最后生娃也是在hospital里生。如果我的ob是
个在医院里的医生，从每次孕检到最后生，怎样算是physician visit,怎样算hospital
admission啊？谢谢。 |
|
h*****m
发帖数: 955 | 2 有些保险是要求住院的时候和他联系的，医院应该联系他们的，不过这种情况你们也应
该住进去以后也打电话给保险公司问一下的吧。不知道是不是能argue一下，医院也有
责任的。 |
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N****n
发帖数: 4179 | 3 我家的住NICU时候的医院和保险公司的扯皮，都没有让我们操心，他们自己搞定。
其中有2个星期，保险公司说我家的没有必要住在医院nicu，住旁边的一个啥低级监护
中心就行。医院认为那里条件不够监护我家宝宝的。然后两边都告诉我，你不用管，医
院和保险公司扯就行。然后我们每个月收到一封保险公司拒付通知。医院也没给我们账
单，我们就一直没管过。最后就没接到拒付通知了。 |
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c*****0
发帖数: 183 | 4 谢谢楼上两位的热心解答 保险公司跟医院还在扯 希望他们能谈好就最好了 |
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y********y
发帖数: 109 | 5 虽然没有什么斗争结果，还是最后来汇报一下吧：
保险因为超过60天了，没法加到出生日，只能从申请日（昨天开始加）
医院因为我老公的保险是primary,所以不能让我的保险cover宝宝的前三天inpatient（
正如huskymm说的那样）-不过这个好像不同的保险公司政策不一样。我的是BCBS-MA的。
因为我们有保险了，所以不能折扣
总结起来我就是得全款付这1500多，唉
不过主要还是怪我吧，没有好好研究就加了我老公的保险，而美国保险是各种条款/限
制/种种需要好好研究的
大家引以为戒啊引以为戒啊引以为戒啊 |
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N***U
发帖数: 1242 | 6 我女儿四年前也是BCBS的，也是在NICU27天，也是收到十几万的账单，也是在in-
network医院，但保险公司说来看过宝宝的医生们有的不是in-network的；后来了解了
保险的Policy：只要是in-network的医院，只需要付inpatient的copay就可以了（我的
保险是$500), 不用管里面的医生是谁，因为你根本不可能知道NICU里看过你宝宝的有
多少人。
你可以打电话或在EOB后面有BCBS appeal department的邮箱地址，可能会需要一些时
间， 我大概用了三个月，最后都解决了，就付了$500.
所以不用担心，宝宝没事最重要，其他都可以解决。
需要给我打电话，站内我。 |
|
z***1
发帖数: 371 | 7 Are you talking about general pediatrics or specialists? Most complex issues
requiring an inpatient stay would be addressed by specialists. |
|
j*p
发帖数: 780 | 8 premium高就不是BSO，因为coverage跟premium相关。
就说两个health plans。一个monthly premium 230刀cover office visits 和
inpatient stay等，可能像LZ；另一个High deductible premium 90刀。如果一个家庭
一年医疗800刀，第二个plan一年仅付90x12+800=1880，第一个plan年付230x12=2760。
所以每次看病一分不花的，不一定就能BSO。
这个问题可以去投版讨论。
★ 发自iPhone App: ChineseWeb 1.0.2 |
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z****e
发帖数: 1025 | 9 我孤陋寡闻了，都不知道有per week算的。看来我家的保险还算不烂，问题是它原先更
好，所以变差了就觉得很不爽。幸好这个保险inpatient还是100%cover的，不然宝宝不
幸住个院什么的还是要多交不少。
about $ |
|
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k********8
发帖数: 7948 | 11 shorter's will cover.
top picker will cover.
driving by hot blood, inpatient side liners will jumping in |
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j**t
发帖数: 301 | 12 回答一下问题，基本就是根据各种类别看公司到底每年花了多少钱，按产品分类，按医
疗系统分类，按inpatient,outpatient, pharmacy, ER分类等等等等，然后分析哪些地
方能给公司省钱，就这样。
哦，顺便再预测一下公司明年要花多少钱。 |
|
b*******e
发帖数: 24532 | 13 【 以下文字转载自 EB1_RFE 俱乐部 】
发信人: bigbigbee (大蜜蜂：祈福), 信区: EB1_RFE
标 题: 美国劳工部82%,国土安全部14%的员工furlough
发信站: BBS 未名空间站 (Tue Oct 1 09:38:52 2013, 美东)
就是上面两个对我们的申请有一点影响，但是从目前看，国土安全，移民局还是相对稳
定的。
bout half of the Defense Department's civilian employees would be furloughed
in case of a shutdown. Photograph: Mladen Antonov/AFP/Getty Images
The increasingly likely shutdown of the US government could have far-reachin
g effects throughout the US. If Congress fails to reach an agreement to aver
t a shutdown by m... 阅读全帖 |
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R*******d
发帖数: 13640 | 14 【 以下文字转载自 Family 讨论区 】
发信人: bbppb (白白胖胖不), 信区: Family
标 题: 绿卡小常识
发信站: BBS 未名空间站 (Mon May 19 00:21:28 2014, 美东)
拿了绿卡有什么好处？有了绿卡可以不必为签证而烦恼，回国比较方便，此外找工作时
可以少些限制，这可能是当初自己所能想到的好处了，而一旦递交绿卡申请，原来的签
证就不能用了，要申请EAD，免税从此就没有了，实际收入马上明显减少了。
后来有朋友问及办了绿卡可否以呆在国内为主，后来一查才发现，绿卡不仅会过期，而
且要在美国居住一定时间才可以。下面就将找到的一些资料贴这里，仅供大家了解与参
考啊！
●绿卡常识
●美国绿卡小知识
●美国绿卡的权利你知多少?
●美国绿卡持有者拥有哪些权利与福利
●父母有绿卡后在美国的医疗福利
●拥有美国绿卡之后能享受的福利：养老医疗保险一样不少
●父母来美国B2探亲医疗保险在哪里买
●What Public Benefits Can a Green Card Holder Receive?
●Immigrants qualify for Obam... 阅读全帖 |
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c*********8
发帖数: 1327 | 15 【05/03 update] 有想审这篇的么
05/03 submitted to section: Emotional, Social, Psychological Support for
Cancer
Background: Over the last decade, a growing body of studies regarding the
application of eHealth and various digital interventions has been published
and is widely used in the psycho-oncological care. However, the
effectiveness of eHealth applications among cancer-affected patients in
psycho-oncological care is still not completely solid due to missing
considerations regarding existing demands ... 阅读全帖 |
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c*********8
发帖数: 1327 | 16 05/03 submitted to section: Emotional, Social, Psychological Support for
Cancer
Keywords: Psycho-oncology; eHealth intervention; Unmet needs; Psycho-
oncological conten topics, eHealth
Background: Over the last decade, a growing body of studies regarding the
application of eHealth and various digital interventions has been published
and is widely used in the psycho-oncological care. However, the
effectiveness of eHealth applications among cancer-affected patients in
psycho-oncological care... 阅读全帖 |
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w***8
发帖数: 92 | 17 求助，我有个朋友最近要来boston短期交流，想买一个4个月的保险。学校的只提供一
年的保险，她觉
得有点贵。学校要求的是：
1. Provide comprehensive coverage including preventative and primary care,
emergency care, hospitalization benefits, outpatient medical services, and
inpatient and outpatient mental health services.
2. Cover pre-existing conditions.
3. Provide services in the community where the student attends school.
4. Be based in the United States with a U.S. address Travel insurance is
not a comprehensive health insurance plan and is not accepta |
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b****a
发帖数: 460 | 18 看你的保险公司，很多INPATIENT交了COPAY之后全部cover，OUTPATIENT就不一定了，
所以你可以你上你的保险公司网站搜索下，然后看看评价。如果只是平时检查看病，不
是特定的病症，很难说哪个医生要更好一点。 |
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b*********6
发帖数: 129 | 19 问一下 mass health essential. 跟 Mass health standard 差不多，cover:
Inpatient care, emergency, transportation, labs. etc.
Mass Health Standard 多了：
vision care, eyeglasses, adult day health,adult foster care
long-term-care services at home or in a long-term-care facility, including
home-health services. 这些暂时父母是不需要的。
目的是要 Cover 住院费和检查费。
standard |
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s*****4
发帖数: 4 | 20 【 以下文字转载自 Medicine 讨论区 】
发信人: shu1084 (小树), 信区: Medicine
标 题: 请问医疗保险的问题
发信站: BBS 未名空间站 (Thu Aug 6 21:56:50 2009, 美东)
刚来美国不久，向有经验的师兄师姐请教！
lg学校的统一保险贵（每年2400$），因他几乎从不看病，我有意帮他买个便宜些的。
我打电话问学校对保险的要求，对方说500,000$ 的annual benefit,
并要包括inpatient和outpatient服务，mental 和physical therapy.
我上网查询了各种保险，没提到“annual benefit”这一参数，也没有专门罗列
保险的范围是physical的还是mental。只有deductible，copay百分比这些。
我迷惑，是说这些保险的annual benefit没有上限？
并且默认了physical和mental都保？
学校的要求是不是大部分保险都能达到，没什么难的？
非常感谢！ |
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a**e
发帖数: 5094 | 21 most of the time finincial aid means public aid/medicaid.
If patient is admitted to inpatient serivice due to acute issues, social
workers will help him/her to apply for public aid. The whole process will
take 2~4 months in Chicago. It does not matter whether you are a foreiner/
green card holder/citizen.
However, I have no idea how to initiate the process through outpatient visit
. Your father's condition belongs to outpatient visit unless he has syncope
event |
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c***a
发帖数: 133 | 22 talking to hospital - because they are the one who wants the payment and
they are the one who sent your baby to this NICU. The hospital is the one
should neogoiate with insurance company. You are doing their work and also
getting no where.
you should talk to a patient advocate - i blieve every hospital has it. Just
search on the hospital website to find the patient advocate information. if
you can't, call front desk to find out.
another approach (in addition) is to talk to a social worker from h... 阅读全帖 |
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g*********r
发帖数: 2847 | 23
我严重怀疑你的雇主会给你配偶的HSA里存钱，如果全部需要你自己存的话，就需要仔
细考虑下了。 HSA只可以用在High deductible health plan（HDHP)上，deductible最
少要1500（可能有点出入，我记不清了） 才算HDHP。不过很多HDHP 的Inpatient 的
cost sharing 很少倒是真的，具体问题具体分析吧 |
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f******e
发帖数: 49 | 24 The waiter at Silver Pond is rude and inpatient. |
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n*****n
发帖数: 57 | 25 http://en.wikipedia.org/wiki/Clinical_trial#Phases
Phase I
Phase I trials are the first stage of testing in human subjects. Normally, a
small (20-100) group of healthy volunteers will be selected. This phase
includes trials designed to assess the safety (pharmacovigilance),
tolerability, pharmacokinetics, and pharmacodynamics of a drug. These trials
are often conducted in an inpatient clinic, where the subject can be
observed by full-time staff. The subject who receives the drug is usually
obser |
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Y*****2
发帖数: 38613 | 26 i heard from my professor at school, that many of the custmor service phone
line, has build-in algorithm, so if a customer appear to be inpatient and
curse on the phone, they will automatically move your line to the front.
i have tried this several times when i was on hold i say the f word, i
always get picked up sooner. i don't know if it is really works, or i was
just lucky. |
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b********r
发帖数: 49 | 27 我来说说吧，因为我赶去问过。B2是不给驾照的，什么驾照也不给，DMV有个单子，对
于不同的签证，对待不同，B2一栏里明确写着：Not Issue. I made sure several
time with the ugly and inpatient black fat woman who is watching the gate of
the DMV here.
上学，陪读，配偶，工作，都可以申请驾照。短期旅行B2不可以。如果有国际驾照，可
以由该驾照开一年车。只是最好不要出事，违章被捉到，麻烦！ |
|
e********g
发帖数: 2524 | 28 not too difficult if you fully understand what the officer says. Make full
stops, check shoulder, and be careful
I'm not kidding, at least 2 of my friends failed because the officer became
inpatient when she had to repeat what she said, and then failed them. |
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y***u
发帖数: 64 | 29 首先表示同情。
你父母因为没保险， 在美国只能去county hospital 继续治疗， 在弯曲就是Santa
Clara Valley Medical Center. 也不是什么好医院， 等的时间也很长。
而且， 说实话， 你父母留下来治病， 你也要充分估计你能不能handle. I assume
they can't drive and don't speak english. Will you be able to take days off
to take them to the doctor's office everyday for chemo/radiation (these are
not inpatient treatments) and stay there all day to translate for them? Even
if they are admitted to the hospital, you need to show up everyday during
working hours to communicate to the doctors.... 阅读全帖 |
|
y***u
发帖数: 64 | 30 首先表示同情。
你父母因为没保险， 在美国只能去county hospital 继续治疗， 在弯曲就是Santa
Clara Valley Medical Center. 也不是什么好医院， 等的时间也很长。
而且， 说实话， 你父母留下来治病， 你也要充分估计你能不能handle. I assume
they can't drive and don't speak english. Will you be able to take days off
to take them to the doctor's office everyday for chemo/radiation (these are
not inpatient treatments) and stay there all day to translate for them? Even
if they are admitted to the hospital, you need to show up everyday during
working hours to communicate to the doctors.... 阅读全帖 |
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h******s
发帖数: 3420 | 31 Outpatient is nice since they are actively monitored. Most of the time, you
can get same day appointment or any time you like within the next few days.
Inpatient (surgery, delivery) has less administrative support. Easier
to get away with lower quality work. |
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h******s
发帖数: 3420 | 32 Outpatient is nice since they are actively monitored. Most of the time, you
can get same day appointment or any time you like within the next few days.
Inpatient (surgery, delivery) has less administrative support. Easier
to get away with lower quality work. |
|
M*********n
发帖数: 276 | 33 The Medicare program is a federal health insurance program for people 65
years of age and older and certain disabled people under the age of 65. The
Medicare program has two parts. Medicare Part A covers inpatient Hospital
care. Medicare Part B, pays for physician's services, and a number of other
medical services that are not covered by Medicare Part A
你孩子出生后，如果收入符合要求，你的孩子可以申请medicaid,not medicare.
听说，只是听说，medicaid可选择的医生很少。。。。 |
|
l***i
发帖数: 1943 | 34 mm我也是UHC的保险，
我生孩子的时候，OB的deductible和医院的deductible是不一样的，
OB用的是annual deductible,
医院的是住院deductible（这个是每次住院都要交的）
我用的不是你那个ob，但是我的ob也是要求我提前付给他们生孩子需要的费用，
他们给我一个estimate,帮算ob接生的费用，让我提前付清（里面用了我的annual
deductible）
最后生完孩子看到账单，出入不是很大（好像就几块钱的出入）
生孩子住院的账单是另外的，这个也是要交一个inpatient deductible
所以你研究一下你的保险policy把，弄清楚ob用的deductible是不是跟住院的
deductible不一样。
要我
我印 |
|
l***i
发帖数: 1943 | 35 对了，最后给我接生的ob还不是我看病的ob,,
我是半夜值班的ob给我接生的，
也不知道他们ob之间怎么charge的，
反正最后我就收到我看病的ob的账单和医院的账单，
分开交了两个deductible（一个annual deductible，一个inpatient deductible) |
|
u******d
发帖数: 421 | 36 Parkland的ER收费好像是没错啊，换一个医院也是先从ER开始，何况是半夜两点。
ICU不太清楚。
还有，看样子在parkland医生会诊了，会诊的价格是非常贵的，和在外面out patient
普通门诊不一样。inpatient的用药价格也比外面买药贵很多很多，美国就是这样，没
办法。 |
|
s*******y
发帖数: 1739 | 37 没有保险就别想了， 绝对不比看 病住院钱少。你可以问问CASE MANAGER，至少我 工
作的地方没有保险不收的，有保险都还得和保险公司联系下，确定保险公司同意病人去
康复。你爸这种不能去OUTPATIENT 康复，得去INPATIENT REHAB |
|
s***n
发帖数: 150 | 38 像你父亲这种情况，只能inpatient physicaltherapy, 在他不能安全出院的情况下，
没有医生和医院能赶他走的，直到physical and occupational therapy clear him
for safety discharge, otherwise it is big liability issue for hospital. 你可
以轻而易举的告医院的。所以不用太担心没有保险，只要他不稳定，他就不能出院，也
不用担心钱，没人在你住院的时候问你讨钱的，治疗费是 10 万也好，100万也好，反
正都付不出的，现在是人重要。 |
|
m****p
发帖数: 404 | 39 如果时间安排比较flexible的话 CVS或者绿墙比较好进
晚上和周末班一直都是缺人的
另外试试independent store碰碰运气
医院的话volunteer总是需要的，要背景调查和打指纹
inpatient有点难 outpatient基本都是白班
Good luck! |
|
c*h
发帖数: 33018 | 40 http://physician.cmgforum.net/cmg_states.php?states=MD
Name: Lin, Pengxin, M.D.
Specialty: Pediatrics
School: Gansu, Lanzhou Medical College
Contacts: 301-881-6651, J&P Medical Associates, 4701 Randolph Rd, Rockville,
MD 20852
Name: Ning, Cong, M.D.
Specialty: Pediatrics
School: Hubei, Tongji Medical University
Contacts: Shady Grove Adventist Hospital, 9715 Medical center drive, #41,
Rockville MD 20850
Name: Zheng, Lixin Lisa, M.D.
Specialty: Pediatrics
School: Beijing University Health Scie... 阅读全帖 |
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l*x
发帖数: 14021 | 41 This type of rushing QB has a much brighter future in college football than
NFL.
In NFL, accurate passing in the pocket is still the key. Rushing QB will get
injured much easier than in college football. And mentally, they may become
inpatient waiting for receivers to get open, and try to run prematurely.
They can move around to buy time for your receivers to get open, and to avoid being sacked, but they try to avoid rushing like a RB.
Vick is a rare combination of accurate passing and fast spee... 阅读全帖 |
|
l*x
发帖数: 14021 | 42 December football is control football, which means run offense and run
defense are very important. The passing game could be badly affected by the
weather. Chargers ran the ball well, controlled TOP, and won the game. Did
the Broncos run the ball only 11 times for 18 yards? That's unbalanced,
inpatient, undisciplined.
Manning's offense is about stretching the defense with many points of attack
. Once Welker is out, the Queen became Bishop. And not able to and/or not
willing to run the ball make ... 阅读全帖 |
|
y******o
发帖数: 4098 | 43 介个不敢说啊， 哈哈哈
不过负责任的告诉你纽约除了NYP等几家有大medical school和大财团支持的医院外，
其他大多数医院的财政状况都很不好，保险不好的病人你想做手术还没人收你呢，你想
住院都没人要你，做一个赔一个啊...你看这短短十几年queens的医院从27家关到9家，
LIE-north shore扩张之后又开始大裁员你就知道了...我们医院的inpatient area关了
一大片就是因为现在pay cap, 病人住院越长越赔... |
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z*i
发帖数: 58873 | 44 不完全是的。 医院在很多时候也是price taker。 比如待遇，劳动力，福利，器材方
面。 patch一下打到政府医院哪里本身就是浪费了而且还不说由于耽误造成的后面
procedure的cost elevation，这单说中间的价格reimbursement估计也便宜不了，最后
政府还得从老百姓身上找回来。
医疗体系的问题是整个体系价格虚高，从人到物，不仅仅是药和器材。 比如美国平均
一天inpatient 2000多刀， 这得是几星级酒店待遇啊？ 同样的药，为啥加拿大
generic早好几年？ 但是问题是一个一个问，都能给你说出个所以然来为啥。 动哪里
都有人喊疼喊不公平。
税的问题我觉得如果全民医保搞了，至少能稍微专款专用，而不是什么都lump到税里面
最后说不清到哪里去了。 |
|
a*****e
发帖数: 2194 | 45 ◇◇新语丝(www.xys.org)(xys5.dxiong.com)(www.xinyusi.info)(xys2.dropin.org)
◇◇
方舟子究竟抄了没有？
作者：李福洋
http://blog.sciencenet.cn/u/GumpForrest
前一段时间，俺写了篇题目耸人听闻的科普博文《香烟是一种放射性核污
染!》，同一时间内，好像有南方的那个报纸也发表了相关话题的文章，这是后
来才知道的。有一天，俺看到一条评论：方舟子写了一篇从题目到内容都与此文
相似的文章，有抄袭之嫌吗？俺一看，第一反应是一阵惊喜：出名的机会可来了！
然后就顺着链接就去看了一下，是挺像，从一些表达方式，基本数据都能找到
“抄袭”的痕迹，可一看人家投稿时间，俺顿时泄气了，只能拿“英雄所见略同”
安慰自己了。看来俺是出名无望了。
这几天又有人指控方舟子抄袭，还整到什么法制周末了，好不热闹啊。俺也
凑凑热闹，趟趟浑水。【】是俺的评论。
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k**********4
发帖数: 16092 | 46 I was pretty sure it was paranoia, because according to DSV V4.0:
A pervasive pattern of instability of interpersonal relationships, self-
image, and affects, and marked impulsivity beginning by early adulthood and
present in a variety of contexts, as indicated by five (or more) of the
following:
1. frantic efforts to avoid real or imagined abandonment. Note: Do not
include suicidal or self-mutilating behavior covered in Criterion 5.
2. a pattern of unstable and intense interpersonal relati... 阅读全帖 |
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H******e
发帖数: 4682 | 47 in Emergency Room, waiting to be checked whether or not need to be inpatient |
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d********f
发帖数: 43471 | 48 Hospital stocks tanked Thursday after another big chain warned Wall Street
that it won't meet third-quarter earnings expectations.
Community Health Systems said Wednesday after markets closed that patient
admissions fell about 2 percent at its established locations in the quarter,
and it saw a decrease in the percentage of people covered by commercial
insurance, which offers the best reimbursement. The Franklin, Tenn.-based
chain expects adjusted earnings for the quarter that ends Sept. 30 to be... 阅读全帖 |
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h*******c
发帖数: 58 | 49 性格真是奇葩得很的一个老女人。
在她“用不上”的人面前，非常mean, 非常bad temper, inpatient，傲着个脸
在她“想利用”的人面前，非常nice, 体贴，温柔。。。。
利用别人帮她这，帮她那儿的。。。。。。。
自己条件巨差，就喜欢用ps掩盖自己的色衰和凶悍。 |
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k*d
发帖数: 615 | 50 虽然方法不一定完善，但还是有办法调查的。例如：
http://ajp.psychiatryonline.org/article.aspx?articleid=177228
可惜我只看到有无信仰的比较， 没看到不同教派间的比较。
METHOD: Depressed inpatients (N=371) who reported belonging to one specific
religion or described themselves as having no religious affiliation were
compared in terms of their demographic and clinical characteristics. |
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