我在美帝的医保：全家每月300多美元，除了这个医保之外看病基本不花钱

[googlegear]

我71楼里也写着20啊，这是我查了具体信息后的准确数据。

另外，我们都是看primary doctor，没有family doctor的说法

你昨天刚吃过屎，是不是也不记得了？

[googlegear]

我71楼里也写着20啊，这是我查了具体信息后的准确数据。

另外，我们都是看primary doctor，没有family doctor的说法

Primary care physician,又叫family doctor。没有primary doctor 一说，不懂不要瞎逼逼。

你个傻逼就是光屁股拉磨—转着圈的丢人。

[beijingren1]

你昨天刚吃过屎，是不是也不记得了？

你素质这么差，张口闭口脏话，你父母知道吗？我都替你父母感到丢人

[googlegear]

你素质这么差，张口闭口脏话，你父母知道吗？我都替你父母感到丢人

你这样的畜生，就该骂。我替你爸妈教育你个傻逼好好做人，不要做畜生。

[beijingren1]

你这样的畜生，就该骂。你提你爸妈教育你个傻逼好好做人，不要做畜生。

我一开始把20记错成了25，就是畜生？你看你自己出口成脏的样子，像个受过教育的人吗。你父母知道你素质这么差估计羞都要羞死了。

[googlegear]

我一开始把20记错成了25，就是畜生？你看你自己出口成脏的样子，像个受过教育的人吗。你父母知道你素质这么差估计羞都要羞死了。

你说谎像放屁一样，还有可信度吗？你在菌斑胡说八道误导别人，居心叵测可恶，还百般狡辩，谎话连篇。我替你爸妈教育你这个畜生是伸张正义，为民除害。

你个傻逼以后在造谣生事，我还是要继续教育你这个畜生。

[beijingren1]

你说谎像放屁一样，还有可信度吗？你在菌斑胡说八道误导别人，居心叵测可恶，还百般狡辩，谎话连篇。我替你爸妈教育你这个畜生是伸张正义，为民除害。

我把所有准确数字都给出来了，为何是误导别人？我不是解释了最后给出的数字是直接从网页上copy paste的，以这些网页数字为准吗？

看看你自己，明明医保比我的差很多，还满地打滚，像个泼妇一样。在不知道我的收入情况的时候，吹牛说你的工资一定比我高，你的公司一定比我的大。再看看你自己出口成脏的样子，跟街头瘪三有什么区别。

看你说话的口气，年纪比我大不少，你这么为老不尊、撒泼打滚的样子，你的孩子知道吗？你不嫌你自己丢人，你孩子觉不觉得你丢人？煞笔！

[fortyNiner]

Why do some people try to convince others that he/she knows all? Unless you work in the medical administrative field, most people just know their own cases. If you have worked in several companies, you might be more experienced. But if all your companies are in the same sector, most likely your health insurance policies are similar.

[fortyNiner]

LZ's insurance policy is similar to mine, except that my employer pays about $1300 per month for my family of four.

你说谎像放屁一样，还有可信度吗？你在菌斑胡说八道误导别人，居心叵测可恶，还百般狡辩，谎话连篇。我替你爸妈教育你这个畜生是伸张正义，为民除害。

你个傻逼以后在造谣生事，我还是要继续教育你这个畜生。

[beijingren1]

Why do some people try to convince others that he/she knows all? Unless you work in the medical administrative field, most people just know their own cases. If you have worked in several companies, you might be more experienced. But if all your companies are in the same sector, most likely your health insurance policies are similar.

我只是举出自己的医保例子。说实在话，我年纪不大，很少用到这些医保，对这些也不太熟悉，所以今天在网上查了具体数字贴上来。结果跑来一条老疯狗，吹毛求疵，大骂脏话，莫名其妙。

[googlegear]

我把所有准确数字都给出来了，为何是误导别人？我不是解释了最后给出的数字是直接从网页上copy paste的，以这些网页数字为准吗？

看看你自己，明明医保比我的差很多，还满地打滚，像个泼妇一样。在不知道我的收入情况的时候，吹牛说你的工资一定比我高，你的公司一定比我的大。再看看你自己出口成脏的样子，跟街头瘪三有什么区别。

看你说话的口气，年纪比我大不少，你这么为老不尊、撒泼打滚的样子，你的孩子知道吗？你不嫌你自己丢人，你孩子觉不觉得你丢人？煞笔！

你啥公司多少收入可以再show出来，我来听听你还会扯出啥来。我是top 5 ，fortune 50的公司，你可以查一下哪些公司可能更大再扯谎。

另外教育你这样的畜生是做善事，免得你去造谣害人啊，是大功德一件。教训你个畜生，我是在做功德。倒是你全家的阴德都被你败光了，要遭报应的。

[beijingren1]

你啥公司多少收入可以再show出来，我来听听你还会扯出啥来。我是top 5 ，fortune 50的公司，你可以查一下哪些公司可能更大再扯谎。

另外教育你这样的畜生是做善事，免得你去造谣害人啊，是大功德一件。教训你个畜生，我是在做功德。倒是你全家的阴德都被你败光了，要遭报应的。

具体收入我就不说了，我是本地top 1%。

我把所有准确数字都给出来了，为何是误导别人？我不是解释了最后给出的数字是直接从网页上copy paste的，以这些网页数字为准吗？

看看你自己，明明医保比我的差很多，还满地打滚，像个泼妇一样。在不知道我的收入情况的时候，吹牛说你的工资一定比我高，你的公司一定比我的大。再看看你自己出口成脏的样子，跟街头瘪三有什么区别。

看你说话的口气，年纪比我大不少，你这么为老不尊、撒泼打滚的样子，你的孩子知道吗？你不嫌你自己丢人，你孩子觉不觉得你丢人？煞笔！

[motongshe]

300美元的家庭医保，脑子被门挤了。

[beijingren1]

保费全家每月340, deductible 50 （全家100), out of pocket 500 （全家1000），lifetime maximum unlimited

Physician $20 Primary/$30 Specialty copay

All Walk-in/ Convenience Clinics and Virtual Care $15 copay

Outpatient MRI and CT Scan $30 copay

Urgent Care: In-Network and Out-of-Network $20 copay

Emergency Care: In-Network and Out-of-Network $100 copay, waived if admitted

Outpatient Mental Health/Substance Use $20 copay

Chiropractic Care $20 copay

Physical, Speech, and Occupational Therapy $20 copay

Home Health Care $20 copay

更新了顶楼的医保数字

[googlegear]

更新了顶楼的医保数字

你把以前帖子都改了也没用，你个谎话连篇的人还有信用吗？

[fortyNiner]

You don't know other people's policies.
I pay nothing for lab or test. Copay is $20, family care, specialist, or urgent care. ER copay is $100, was $50, and waived if admitted, similar to LZ's. I myself have not used it much, but my wife has had three quite major surgeries, one of which lasted about three to four hours, and given birth to two kids. For those surgeries, we paid only $20 or $50. For the birth of each kid, we paid $100, and that covered all the expenses since the first time we went to the doctors to have a urine, or blood?, test to confirm pregnancy till the kids turned two years old. It even covered my wife's food when in the hospital and one meal for me with champagne for the celebration of a newborn. Over the years, we have had too many ultrasounds, many x rays, two MRI, a couple biopsies, and too many other smaller testings, and we don't need to pay for them.
We have no deductible. I am not sure if we have out of pocket, but we have never reached that.

你的visit没有治疗费而已。你去做个ultrasound,x ray之类的就知道要不要交治疗费和怎么跟deductible，out of pocket 关联的的了。

真正基本不用交钱的是低收入的Medicaid,但大多数不够条件。或者我说的，如果你的雇主自己有clinic，一般自己员工看病也是不要钱的，copay都不用。

[beijingren1]

你把以前帖子都改了也没用，你个谎话连篇的人还有信用吗？

有了更准确全面的信息，当然需要更新了，这难道不是负责任的态度吗？

行了，你已经完全暴露你的素质了，我和你没什么可说的了。

你居然下贱到开始诅咒了，太他妈丢人了。诅咒是没有用的，但是你这种恶毒心态，必然会反噬到你自己的生活和工作。

当然，你这种素质的人，能在这个世界上苟延残喘活下去就不错了，谈什么成就那是痴人说梦。

老匹夫，你好自为之吧！LOL

[googlegear]

我已经说过了，你的benefits好，而premium少，是因为你的employer承担了75%以上的保费。实际上好的医疗保险的保费一般都要几千刀一个月（employee pay+employer pay)，所以美国的医疗是非常贵的。而且一般只有大公司才会提供比较好的plan。中小公司的plan是很差的，employer付的部分也很少，员工family很多要自付一两千刀而且benefits不好。

所以你不能用你的例子去误导他人，以为美国医疗便宜，这是扯蛋，非常不负责。

You don't know other people's policies.
I pay nothing for lab or test. Copay is $20, family care, specialist, or urgent care. ER copay is $100, was $50, and waived if admitted, similar to LZ's. I myself have not used it much, but my wife has had three quite major surgeries, one of which lasted about three to four hours, and given birth to two kids. For those surgeries, we paid only $20 or $50. For each kid, we paid $100, and that covered all the expenses since the first time we went to the doctors to have a urine, or blood?, test to confirm pregnancy till the kids turned two years old. It even covered my wife's food when in the hospital and one diner for me with champagne for the celebration of a newborn. Over the years, we have had too many ultrasounds, many x rays, two MRI, a couple biopsies, and too many other smaller testings, and we don't need to pay for them.
We have no deductible. I am not sure if we have out of pocket, but we have never reached that.

[fortyNiner]

By the way, when we visited China, my older son was scratched by my brother-in-law's family dog, we gave him the rabies shot and the vaccine just in case. We were able to get reimbursement from our insurance compnay after we came back.

[fortyNiner]

I was not arguing that. I was just pointing out that you were wrong at "Annual physical的lab work是预防性的，cover100%。但是除此之外的lab work就要交费了，这个正说明了你的plan是有deductible 和out of pocket的，否则你根本就不用交这个lab work费用。" I agree wiht you on "美国的医疗是非常贵的。"

I know my insurance is better than most people's, but LZ's claim about his own policy can be true.

我已经说过了，你的benefits好，而premium少，是因为你的employer承担了75%以上的保费。实际上好的医疗保险的保费一般都要几千刀一个月（employee pay+employer pay)，所以美国的医疗是非常贵的。而且一般只有大公司才会提供比较好的plan。中小公司的plan是很差的，employer付的部分也很少，员工family很多要自付一两千刀而且benefits不好。

所以你不能用你的例子去误导他人，以为美国医疗便宜，这是扯蛋，非常不负责。