k**********0
发帖数: 63 | 1 公司离预产期一个多月换保险了，新保险什么都不cover，超级贵。 我们决定不用公司
的新保险， 自
己买individual plan. 大家有没有推荐比较好的cover 生小孩的保险。 |
D******9
发帖数: 2665 | 2 most likely it will be even more expensive |
h*******3
发帖数: 1018 | 3 新保险什么都不cover? 那还能叫保险吗？
【在 k**********0 的大作中提到】
: 公司离预产期一个多月换保险了，新保险什么都不cover，超级贵。 我们决定不用公司
: 的新保险， 自
: 己买individual plan. 大家有没有推荐比较好的cover 生小孩的保险。
|
S**P
发帖数: 1194 | 4 我们公司明年也要换policy了。原来生个孩子只要200刀，明年开始估计得8，9K。幸亏
今年搞定了一个，呵呵 |
k**********0
发帖数: 63 | 5 我们也是， 本来只要400多， 现在估计要花5，6K。 哎！
你怎么搞定的？
【在 S**P 的大作中提到】
: 我们公司明年也要换policy了。原来生个孩子只要200刀，明年开始估计得8，9K。幸亏
: 今年搞定了一个，呵呵
|
l***1
发帖数: 1400 | |
S**P
发帖数: 1194 | 7 我家宝宝今年2月份就出生了呀，赶上了好保险的最后一班车。
【在 k**********0 的大作中提到】
: 我们也是， 本来只要400多， 现在估计要花5，6K。 哎！
: 你怎么搞定的？
|
M**U
发帖数: 2752 | 8 好多individual的保险不包pre-existing condition
MM要看好了 |
S******1
发帖数: 1831 | 9 怎么算出来要花多少钱呢？
生小孩难道不是都cover，只是选择不同的plan，有些是premium高，100% cover；有些
是premium低，80-90% cover，但是maximum out-of-pocket money都好像差不多呢。
【在 S**P 的大作中提到】
: 我们公司明年也要换policy了。原来生个孩子只要200刀，明年开始估计得8，9K。幸亏
: 今年搞定了一个，呵呵
|
w******i
发帖数: 1941 | |
|
|
S**P
发帖数: 1194 | 11 两种plan：
1， premium 3000，deductible 2000, 之后10%，maximum out of pocket 8000
2, premium 90, deductible 5000,之后10%， maximum out of pocket 9000
生个孩子不都得reach maximum out of pocket 么？
【在 S******1 的大作中提到】
: 怎么算出来要花多少钱呢？
: 生小孩难道不是都cover，只是选择不同的plan，有些是premium高，100% cover；有些
: 是premium低，80-90% cover，但是maximum out-of-pocket money都好像差不多呢。
|
U********n
发帖数: 471 | 12 除非你有complication.否则医院费用应该在2W以下吧。再加OB的费用，平时检查的费
用也就1W顶天了吧。
【在 S**P 的大作中提到】
: 两种plan：
: 1， premium 3000，deductible 2000, 之后10%，maximum out of pocket 8000
: 2, premium 90, deductible 5000,之后10%， maximum out of pocket 9000
: 生个孩子不都得reach maximum out of pocket 么？
|
S**P
发帖数: 1194 | 13 Anyway, it would be at least 6K, compared to $200 for now~~~
【在 U********n 的大作中提到】
: 除非你有complication.否则医院费用应该在2W以下吧。再加OB的费用，平时检查的费
: 用也就1W顶天了吧。
|
c*******e
发帖数: 9475 | 14 两种都这么差，同情。。。
【在 S**P 的大作中提到】
: 两种plan：
: 1， premium 3000，deductible 2000, 之后10%，maximum out of pocket 8000
: 2, premium 90, deductible 5000,之后10%， maximum out of pocket 9000
: 生个孩子不都得reach maximum out of pocket 么？
|
a*********g
发帖数: 229 | 15 都是新总统搞的鬼啊，去年我的保险生孩子分文不要，今天花了我6000刀。 |
a*********g
发帖数: 229 | 16 都是新总统搞的鬼啊，去年我的保险生孩子分文不要，今天花了我6000刀。 |
l******2
发帖数: 2994 | 17 directly yes, but if we find the hidden reason is 1)high tuition for medical
school 2)high
insurance for the doctor 3) outrage charge from the hospital 4)high profit
of insurance company. now the profit for insurance company is controlled by
the government, so it pass over the above charge directly to the costumer.
American is a
美国是个才阀资本主义国家。obama is from the poor and want to change it, but
nobody has the power to do it.
【在 a*********g 的大作中提到】
: 都是新总统搞的鬼啊，去年我的保险生孩子分文不要，今天花了我6000刀。
|
m******e
发帖数: 536 | 18 为什么说是他搞的？
【在 a*********g 的大作中提到】
: 都是新总统搞的鬼啊，去年我的保险生孩子分文不要，今天花了我6000刀。
|
n***y
发帖数: 7036 | 19 一般情况reach不到，我out of pocket 2500都没reach到。我deductible 1250后要交
20%呢，而且整个过程都是1年内的。
【在 S**P 的大作中提到】
: 两种plan：
: 1， premium 3000，deductible 2000, 之后10%，maximum out of pocket 8000
: 2, premium 90, deductible 5000,之后10%， maximum out of pocket 9000
: 生个孩子不都得reach maximum out of pocket 么？
|
n***a
发帖数: 1742 | 20 去年我们一分钱不花，今年多了500 deductible.还算好了 |
|
|
S******1
发帖数: 1831 | 21 这个保险确实不好，相对来说2好点，assume cost is around 20k.
而且明年health flexible spending一个人最多存2500了。希望LD公司明年不要换保险
啊。
【在 S**P 的大作中提到】
: 两种plan：
: 1， premium 3000，deductible 2000, 之后10%，maximum out of pocket 8000
: 2, premium 90, deductible 5000,之后10%， maximum out of pocket 9000
: 生个孩子不都得reach maximum out of pocket 么？
|
N******u
发帖数: 11939 | 22 不，关键在deductible的额度，如果deductible的额度小，后面都10%，你怎么也花不
到8k去的。你这俩plan都够可以的：（
【在 S**P 的大作中提到】
: 两种plan：
: 1， premium 3000，deductible 2000, 之后10%，maximum out of pocket 8000
: 2, premium 90, deductible 5000,之后10%， maximum out of pocket 9000
: 生个孩子不都得reach maximum out of pocket 么？
|
a****o
发帖数: 488 | 23 I worked for health insurance company for cost analysis. We are top 5
insurance com. and last year profit is about 2%. when ppl told you "high
profit of insurance company." which is totally untrue.
medical
by
but
【在 l******2 的大作中提到】
: directly yes, but if we find the hidden reason is 1)high tuition for medical
: school 2)high
: insurance for the doctor 3) outrage charge from the hospital 4)high profit
: of insurance company. now the profit for insurance company is controlled by
: the government, so it pass over the above charge directly to the costumer.
: American is a
: 美国是个才阀资本主义国家。obama is from the poor and want to change it, but
: nobody has the power to do it.
|
h*******a
发帖数: 573 | 24 The majority of measures in Obama's health care reform won't take effects
until 2015. I understand people's frustration with rising health care bills,
but please don't blame it on the wrong person. Blame it on the insurance
companies and the Republicans who opposed universal health care on behalf of
the insurance fat cats. Were it not for Replicans that blocked the public
option, we would have affordable health care run by the government in this
country, just like Canada and Japan. |
n***y
发帖数: 15001 | |
h*******a
发帖数: 573 | 26 The problem is with administrative costs of insurance companies, which amout
to 1/3 of medical costs in this country.
What the US needs to do is to get rid of health insurance companies all
together, and create a public health care system. Many other develped
countries did just that, and they manage to provide high quality medical care
at much lower medical costs. Japan and Canada are the prime examples.
【在 a****o 的大作中提到】
: I worked for health insurance company for cost analysis. We are top 5
: insurance com. and last year profit is about 2%. when ppl told you "high
: profit of insurance company." which is totally untrue.
:
: medical
: by
: but
|
n***y
发帖数: 7036 | 27 对阿，overhead太高，executive compensation 太高
amout
care
【在 h*******a 的大作中提到】
: The problem is with administrative costs of insurance companies, which amout
: to 1/3 of medical costs in this country.
: What the US needs to do is to get rid of health insurance companies all
: together, and create a public health care system. Many other develped
: countries did just that, and they manage to provide high quality medical care
: at much lower medical costs. Japan and Canada are the prime examples.
|
a***x
发帖数: 26368 | 28 那不还有英国的反例呢么
amout
care
【在 h*******a 的大作中提到】
: The problem is with administrative costs of insurance companies, which amout
: to 1/3 of medical costs in this country.
: What the US needs to do is to get rid of health insurance companies all
: together, and create a public health care system. Many other develped
: countries did just that, and they manage to provide high quality medical care
: at much lower medical costs. Japan and Canada are the prime examples.
|
N******u
发帖数: 11939 | 29 何止英国反例，其实加拿大的医疗系统据说已经很烂了，瞧病费劲不说，质量也差。
【在 a***x 的大作中提到】
: 那不还有英国的反例呢么
:
: amout
: care
|
h*******a
发帖数: 573 | 30 据说~~
Do some serious research folks. Read the column by Paul Krugman in NYT. He's
darn right and smart on that topic. You don't see people going bankrupt
because they can't afford health insurance in Canada and Britain.
【在 N******u 的大作中提到】
: 何止英国反例，其实加拿大的医疗系统据说已经很烂了，瞧病费劲不说，质量也差。
|
|
|
a***x
发帖数: 26368 | 31 那倒是。英国人都是等死的，不是破产死的。
's
【在 h*******a 的大作中提到】
: 据说~~
: Do some serious research folks. Read the column by Paul Krugman in NYT. He's
: darn right and smart on that topic. You don't see people going bankrupt
: because they can't afford health insurance in Canada and Britain.
|
h*******a
发帖数: 573 | 32 Nah... i have friends and coworkers in Britain. They have their complaints,
but they would not trade their public hospitals for insurance companies in
the US. BTW, both Canada and Britain rank higher in terms of health care quality than the US. Actually, the US ranks the lowest among developed countries.
Again, please do some research. Go read Paul Krugman's column. I am serious. He's a nobel prize winning economist. His comments on this issue are really to the point.
【在 a***x 的大作中提到】
: 那倒是。英国人都是等死的，不是破产死的。
:
: 's
|
l****g
发帖数: 476 | 33 据说是可以在生之前跟医院协调，付cash讲价钱，到最后5k-6k可以搞定，医院与其跟
病人要帐，更愿意一次性拿到大额的现金。这是我朋友的经历，不知道现在的情况了。
【在 k**********0 的大作中提到】
: 公司离预产期一个多月换保险了，新保险什么都不cover，超级贵。 我们决定不用公司
: 的新保险， 自
: 己买individual plan. 大家有没有推荐比较好的cover 生小孩的保险。
|
S**P
发帖数: 1194 | 34 How come? 我生个孩子总帐单20K，最后讨价还价，总共还得15K呢。怎么会不到$2500
呢？
【在 n***y 的大作中提到】
: 一般情况reach不到，我out of pocket 2500都没reach到。我deductible 1250后要交
: 20%呢，而且整个过程都是1年内的。
|
n***y
发帖数: 7036 | 35 我保险砍价后的帐单：
ob 4000多
医院 3000多
麻醉师 1000
lab等费用 1000多
总共一万出头，所以就没到。
2500
【在 S**P 的大作中提到】
: How come? 我生个孩子总帐单20K，最后讨价还价，总共还得15K呢。怎么会不到$2500
: 呢？
|
N******u
发帖数: 11939 | 36 唉，加拿大那边的华人抱怨文章论堆儿撮啊。不过我不清楚他们医疗系统那么烂，跟全
民保险有没有关系。
's
【在 h*******a 的大作中提到】
: 据说~~
: Do some serious research folks. Read the column by Paul Krugman in NYT. He's
: darn right and smart on that topic. You don't see people going bankrupt
: because they can't afford health insurance in Canada and Britain.
|
a***x
发帖数: 26368 | 37 lol.俺在英国呆了一年都快给nhs整死了，还用坐那读个column的research?
,
quality than the US. Actually, the US ranks the lowest among developed
countries.
serious. He's a nobel prize winning economist. His comments on this issue
are really to the point.
【在 h*******a 的大作中提到】
: Nah... i have friends and coworkers in Britain. They have their complaints,
: but they would not trade their public hospitals for insurance companies in
: the US. BTW, both Canada and Britain rank higher in terms of health care quality than the US. Actually, the US ranks the lowest among developed countries.
: Again, please do some research. Go read Paul Krugman's column. I am serious. He's a nobel prize winning economist. His comments on this issue are really to the point.
|
N******u
发帖数: 11939 | 38 我这才不到7个月，砍价前总数已经将近5k了，砍完2k出头，当然自己出没那么多。而
且是保险公司自己联名的医院，不知道左右手互搏啥呢：（
【在 n***y 的大作中提到】
: 我保险砍价后的帐单：
: ob 4000多
: 医院 3000多
: 麻醉师 1000
: lab等费用 1000多
: 总共一万出头，所以就没到。
:
: 2500
|
m***e
发帖数: 372 | 39 i dont know when O8ma reform starts, but a couple of weeks ago i already got
letter from insurance company that it said if i want to add any kids below
26 to my insurance or if i have ever been denied by insurance or xxx (i
forgot, I just took a glimps), i can take action to join xxx now... anyway
it sounds to me o8ma's reform already somehow take effects.
bills,
of
【在 h*******a 的大作中提到】
: The majority of measures in Obama's health care reform won't take effects
: until 2015. I understand people's frustration with rising health care bills,
: but please don't blame it on the wrong person. Blame it on the insurance
: companies and the Republicans who opposed universal health care on behalf of
: the insurance fat cats. Were it not for Replicans that blocked the public
: option, we would have affordable health care run by the government in this
: country, just like Canada and Japan.
|
h*******a
发帖数: 573 | 40 Yeah, but only for kids, which started this year. For adults, I think we can still be denied health coverage within 5 years after the bill's passed - sad, but that's the only way for Obama to get the bill passed to get around filibuster by Republicans.
got
below
【在 m***e 的大作中提到】
: i dont know when O8ma reform starts, but a couple of weeks ago i already got
: letter from insurance company that it said if i want to add any kids below
: 26 to my insurance or if i have ever been denied by insurance or xxx (i
: forgot, I just took a glimps), i can take action to join xxx now... anyway
: it sounds to me o8ma's reform already somehow take effects.
:
: bills,
: of
|
