{"id":1072,"date":"2020-09-09T20:12:08","date_gmt":"2020-09-09T12:12:08","guid":{"rendered":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/?p=1072"},"modified":"2020-09-09T20:46:00","modified_gmt":"2020-09-09T12:46:00","slug":"chuli-yiliao-zhaiwu","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/2020\/09\/09\/chuli-yiliao-zhaiwu\/","title":{"rendered":"\u5728\u7f8e\u56fd\u5982\u4f55\u5904\u7406\u533b\u7597\u8d39\u7528\u7684\u503a\u52a1\uff1f"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/1.jpg\" alt=\"\" class=\"wp-image-1078\" width=\"307\" height=\"204\" srcset=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/1.jpg 626w, https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/1-300x200.jpg 300w\" sizes=\"auto, (max-width: 307px) 100vw, 307px\" \/><\/figure><\/div>\n\n\n\n<p>\u51e0\u5e74\u524d\uff0c\u6211 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href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/baoxian-jiangjie\/meiguo-yiliao-xitong-shipin.php\">\u7f8e\u56fd\u533b\u7597\u4fdd\u969c\u7cfb\u7edf<\/a>\u662f\u76f8\u5f53\u590d\u6742\uff0c\u4e0d\u8fc7\u4e5f\u65e0\u9700\u60ca\u614c\uff01\u4ee5\u4e0b\u65b9\u6cd5\u53ef\u4ee5\u5e2e\u4f60\u89e3\u51b3\u533b\u7597\u8d26\u5355\u95ee\u9898\uff1a<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e86\u89e3\u4f60\u7684\u9009\u62e9<\/h1>\n\n\n\n<p>\u5f53\u6211\u6536\u5230\u6765\u81ea\u533b\u9662\u6025\u8bca\u5ba4\u7684\u8d26\u5355\uff0c\u6211\u5b8c\u5168\u4e0d\u77e5\u9053\u8be5\u600e\u4e48\u505a\u3002\u5728\u7956\u56fd\u7684\u5bb6\u4eba\u4e5f\u4e0d\u4e86\u89e3\u7f8e\u56fd\u533b\u7597\u4fdd\u969c\u7cfb\u7edf\uff0c\u8bed\u8a00\u4e5f\u4e0d\u901a\u3002<\/p>\n\n\n\n<p>\u6211\u5f00\u59cb\u7814\u7a76\u6211\u53ef\u884c\u7684\u65b9\u6848\u5e76\u4e86\u89e3\u533b\u9662\u5982\u4f55\u4e3a\u6ca1\u6709\u8d2d\u4e70\u533b\u7597\u4fdd\u9669\u7684\u4eba\u63d0\u4f9b\u7ecf\u6d4e\u63f4\u52a9\u3002\u7f8e\u56fd\u7684\u8bb8\u591a\u533b\u9662\u90fd\u6709\u7ecf\u6d4e\u63f4\u52a9\u653f\u7b56\u6216\u6148\u5584\u62a4\u7406\u63f4\u52a9\u3002\u4ed6\u4eec\u80fd\u4e3a\u4f60\u63d0\u4f9b\u4e00\u4e9b\u65b9\u6848\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u53ef\u4ee5\u51cf\u8f7b\u5e10\u5355\u8d39\u7528<\/li><li>\u4e3a\u4f60\u63d0\u4f9b\u4e00\u4efd\u507f\u8fd8\u652f\u4ed8\u8ba1\u5212<\/li><li>\u5982\u679c\u4f60\u80fd\u63d0\u4f9b\u8bc1\u660e\u4f60\u6ca1\u6709\u4efb\u4f55\u6536\u5165\u6765\u6e90\u6216\u8bb8\u4ed6\u4eec\u80fd\u4e3a\u4f60\u514d\u9664\u8d26\u5355<\/li><\/ul>\n\n\n\n<p class=\"has-text-color has-vivid-red-color\">\u6700\u597d\u7684\u65b9\u5f0f\u662f\u6253\u7535\u8bdd\u7ed9\u533b\u9662\u7684\u8d22\u52a1\u529e\u516c\u5ba4\u5e76\u95ee\u8be2\u4f60\u53ef\u4ee5\u9009\u62e9\u7684\u65b9\u6848\u3002<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/1-2.png\" alt=\"\" class=\"wp-image-1082\" width=\"54\" height=\"54\"\/><\/figure><\/div>\n\n\n\n<p class=\"has-background has-light-green-cyan-background-color\"><strong>\u4f60\u77e5\u9053\u5417\uff1f\u7f8e\u56fd\u6cd5\u5f8b\u8981\u6c42\u5728\u7f8e\u56fd\u975e\u8425\u5229\u6027\u7684\u533b\u9662\u9700\u8981\u63d0\u4f9b\u63f4\u52a9\u653f\u7b56\u3002<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e00\u63b7\u5343\u91d1<\/h1>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/2.jpg\" alt=\"\" class=\"wp-image-1079\" width=\"402\" height=\"268\" srcset=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/2.jpg 626w, https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/2-300x200.jpg 300w\" sizes=\"auto, (max-width: 402px) 100vw, 402px\" \/><\/figure><\/div>\n\n\n\n<p>\u8d2d\u4e70\u4e00\u4efd\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u7684\u597d\u5904\u662f\u533b\u751f\u6216\u533b\u9662\u4f1a\u6536\u53d6\u4e0e\u4fdd\u9669\u516c\u53f8\u534f\u5546\u597d\u7684\u6cbb\u7597\u8d39\u7528\u3002\u7136\u800c\uff0c\u5982\u679c\u6ca1\u6709\u8d2d\u4e70\u533b\u7597\u4fdd\u9669\uff0c\u4f60\u5c31\u9700\u8981\u5c06\u4f60\u7684\u8c08\u5224\u6280\u5de7\u6446\u4e0a\u684c\u9762\u3002\u5bf9\u4e8e\u6ca1\u6709\u6301\u6709\u533b\u7597\u4fdd\u9669\u7684\u75c5\u4eba\uff0c\u533b\u9662\u4f1a\u6839\u636e\u4ed6\u4eec\u7684\u5b9a\u4ef7\u5f00\u5177\u533b\u7597\u8d26\u5355\uff0c\u6216\u8ba9\u75c5\u4eba\u5168\u989d\u652f\u4ed8\u533b\u7597\u8d39\u7528\u3002\u4f60\u53ef\u4ee5\u4e0e\u533b\u9662\u5728\u8fd9\u65b9\u9762\u8fbe\u6210\u4e00\u4e2a\u534f\u8bae\uff0c\u8981\u6c42\u533b\u9662\u6309\u6536\u53d6\u4fdd\u9669\u516c\u53f8\u7684\u5b9a\u4ef7\u6765\u964d\u4f4e\u4f60\u7684\u8d26\u5355\u8d39\u7528\u3002\u5982\u679c\u4f60\u60f3\u77e5\u5230\u5177\u4f53\u7684\u68c0\u67e5\u6216\u6cbb\u7597\u8d39\u7528\uff0c\u4f60\u53ef\u4ee5\u67e5\u9605<a href=\"https:\/\/www.healthcarebluebook.com\">Healthcare Bluebook<\/a>\uff0c\u4e0a\u9762\u6709\u63d0\u4f9b\u5927\u90e8\u5206\u533b\u7597\u9879\u76ee\u7684\u516c\u5e73\u4ef7\u683c\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u8010\u5fc3\u548c\u575a\u6301\u5f88\u91cd\u8981<\/h1>\n\n\n\n<p>\u4e3a\u81ea\u5df1\u8c0b\u798f\u5229\u4e00\u5b9a\u4f1a\u6709\u5f88\u5927\u7684\u538b\u529b\uff0c\u4f46\u5c31\u5982\u8bb8\u591a\u4f1f\u5927\u7684\u8c08\u5224\u4e13\u5bb6\u544a\u8bc9\u4f60\u7684\u4e00\u6837\uff0c\u4f60\u5fc5\u987b\u575a\u6301\u5e76\u4e14\u8db3\u591f\u8010\u5fc3\u3002\u5728\u7f8e\u56fd\u6301\u6709\u533b\u7597\u503a\u52a1\u6bd4\u4f60\u60f3\u8c61\u4e2d\u7684\u8fd8\u666e\u904d\u30022018\u5e74\uff0c\u636e<a href=\"https:\/\/www.healthaffairs.org\/doi\/abs\/10.1377\/hlthaff.2018.0349?journalCode=hlthaff&amp;\">Health Affairs<\/a>\u7814\u7a76\u8868\u660e\uff0c1\/6\u7684\u7f8e\u56fd\u4eba\u6709\u8fc7\u671f\u672b\u4ed8\u7684\u533b\u7597\u8d26\u5355\u3002\u5728\u6211\u6536\u523016,000\u7f8e\u5143\u533b\u7597\u8d39\u7528\u5e10\u5355\u540e\u7684\u4e00\u4e2a\u6708\uff0c\u6211\u6536\u5230\u6765\u81ea\u533b\u9662\u7684\u7535\u8bdd\u8b66\u544a\u5982\u679c\u6211\u4e0d\u4ed8\u6b3e\uff0c\u4ed6\u4eec\u5c06\u628a\u6211\u7684\u8d26\u5355\u8f6c\u7ed9\u8ba8\u503a\u516c\u53f8\u5904\u7406\u3002\u6211\u5411\u4ed6\u4eec\u89e3\u91ca\u4e86\u6211\u7684\u73b0\u72b6\uff0c\u4ed6\u4eec\u8ba9\u6211\u81ea\u884c\u8054\u7cfb\u533b\u9662\u7684\u7ecf\u6d4e\u63f4\u52a9\u529e\u516c\u5ba4\u3002\u6211\u7684\u5b66\u6821\u4e5f\u4e3a\u6211\u63d0\u4f9b\u514d\u8d39\u6cd5\u5f8b\u54a8\u8be2\uff0c\u5e76\u6559\u6211\u5982\u4f55\u5ef6\u671f\u4ed8\u6b3e\u3002\u6700\u7ec8\uff0c\u533b\u9662\u51cf\u514d\u4e86\u621145%\u7684\u533b\u7597\u8d39\u7528\u3002\u7136\u800c\uff0c\u6211\u8fd8\u662f\u65e0\u6cd5\u652f\u4ed87,200\u7f8e\u5143\u7684\u533b\u7597\u8d39\u7528\u3002\u6700\u7ec8\uff0c\u4ed6\u4eec\u8fd8\u662f\u5c06\u6211\u7684\u5e10\u5355\u8f6c\u7ed9\u4e86\u8ba8\u503a\u516c\u53f8\u3002\u800c\u63a5\u4e0b\u6765\u6211\u662f\u8fd9\u6837\u64cd\u4f5c\u7684\u3002\u3002\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u4f7f\u7528\u4e86\u5176\u4ed6\u8d44\u6e90<\/h1>\n\n\n\n<p>\u9762\u5bf9\u8003\u8bd5\u3001\u4f5c\u4e1a\u4ee5\u53ca\u751f\u6d3b\u7684\u538b\u529b\uff0c\u6211\u5df2\u65e0\u5fc3\u5904\u7406\u8fc7\u671f\u672b\u4ed8\u7684\u533b\u7597\u8d26\u5355\u3002\u533b\u9662\u5c06\u6211\u7684\u5e10\u5355\u8f6c\u7ed9\u4e86\u8ba8\u503a\u516c\u53f8\u540e\u6bcf\u5929\u7535\u8bdd\u90fd\u4e0d\u65ad\u3002\u5b66\u6821\u7684\u6cd5\u5f8b\u987e\u95ee\u5efa\u8bae\u6211\u548c\u975e\u8425\u5229\u6027\u4fe1\u8d37\u673a\u6784\u5de5\u4f5c\u7684\u533b\u7597\u987e\u95ee\u8054\u7cfb\u3002\u4ed6\u6216\u8bb8\u53ef\u4ee5\u5e2e\u6211\u534f\u8c03\u628a\u5e10\u5355\u8d39\u7528\u964d\u4f4e\u81f31,000\u7f8e\u5143\u5e76\u4e14\u4e0e\u8ba8\u503a\u516c\u53f8\u8fbe\u6210\u4ed8\u6b3e\u534f\u8bae\u3002\u7f8e\u56fd\u5e02\u9762\u4e0a\u6709\u5f88\u591a\u8fd9\u6837\u7684\u673a\u6784\uff0c\u4f46\u662f\uff0c\u4f60\u9700\u8981\u6ce8\u610f\u54ea\u5bb6\u7684\u5229\u606f\u6700\u4f18\u3002\u5982\u679c\u4ed6\u4eec\u5411\u4f60\u63d0\u4f9b\u8d37\u6b3e\uff0c\u8fd9\u5e76\u4e0d\u662f\u4e00\u4e2a\u597d\u7684\u673a\u6784\u3002\u60f3\u627e\u5230\u4e00\u4e2a\u4fe1\u8d37\u987e\u95ee\uff0c\u4f60\u53ef\u4ee5\u70b9\u51fb<a href=\"https:\/\/www.nfcc.org\">National Foundation for Credit Counseling\u56fd\u5bb6\u4fe1\u8d37\u57fa\u91d1\u4f1a<\/a>\u4e86\u89e3\u60c5\u51b5\u3002\u4ed6\u4eec\u63d0\u4f9b\u82f1\u8bed\u548c\u897f\u73ed\u7259\u8bed\u670d\u52a1\u3002<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2020\/09\/1-2.png\" alt=\"\" class=\"wp-image-1082\" width=\"57\" height=\"57\"\/><\/figure><\/div>\n\n\n\n<p class=\"has-background has-vivid-green-cyan-background-color\">\u4f60\u77e5\u9053\u5417\uff1f\u4f60\u53ef\u4ee5\u8981\u6c42\u8ba8\u503a\u516c\u53f8\u5728\u4f60\u627e\u5230\u5982\u4f55\u652f\u4ed8\u8d26\u5355\u524d\u505c\u6b62\u9891\u7e41\u7684\u7ed9\u4f60\u6253\u7535\u8bdd\u3002<\/p>\n\n\n\n<p>\u522b\u8ba9\u533b\u7597\u8d26\u5355\u6bc1\u4e86\u4f60\u7684\u7559\u5b66\u7ecf\u5386\u3002<a href=\"https:\/\/www.internationalstudentinsurance.com\/blog\/2016\/08\/dont-insurance-medical-bills-pay.html\">\u5728\u5904\u7406\u8fd9\u7c7b\u503a\u52a1\u65f6\u4f60\u5e76\u975e\u4e00\u4e2a\u4eba<\/a>\uff0c\u6709\u8bb8\u591a<a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/baoxian-jiangjie\/meiguo-yiliao-xitong-shipin.php\">\u8d44\u6e90<\/a>\u80fd\u5728\u8fd9\u65b9\u9762\u4e0a\u5e2e\u52a9\u5230\u4f60\u3002\u5982\u679c\u8bf4\u6211\u4ece\u8fd9\u6b21\u7684\u7ecf\u5386\u4e2d\u5b66\u5230\u4e86\u4ec0\u4e48\uff0c\u6211\u60f3\u8bf4\u7684\u662f\u9996\u5148\u5982\u4f55\u9884\u9632\u5927\u989d\u7684\u533b\u7597\u8d26\u5355\u4ea7\u751f\uff1a<\/p>\n\n\n\n<ul 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