{"id":603,"date":"2018-11-19T22:53:22","date_gmt":"2018-11-19T14:53:22","guid":{"rendered":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/?p=603"},"modified":"2018-11-19T22:53:22","modified_gmt":"2018-11-19T14:53:22","slug":"liuxuesheng_meiguo_yiliao_xitong","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/2018\/11\/19\/liuxuesheng_meiguo_yiliao_xitong\/","title":{"rendered":"\u6240\u6709\u7559\u5b66\u751f\u90fd\u8be5\u77e5\u9053\u7684\u7f8e\u56fd\u533b\u7597\u7cfb\u7edf"},"content":{"rendered":"<p>\u4f5c\u4e3a\u4e00\u540d\u7559\u5b66\u751f\u5230\u7f8e\u56fd\u6765\u7559\u5b66\u662f\u4e00\u4ef6\u6fc0\u52a8\u4eba\u5fc3\u7684\u5192\u9669\u3002\u7f8e\u56fd\u6587\u5316\u662f\u975e\u5e38\u72ec\u4e00\u65e0\u4e8c\u7684\uff0c\u8fd9\u4e2a\u5730\u5927\u7269\u535a\u7684\u56fd\u5bb6\u771f\u8bda\u7684\u6b22\u8fce\u6bcf\u4e2a\u7559\u5b66\u751f\u7684\u5230\u6765\u3002\u7136\u800c\uff0c\u5728\u4f60\u7684\u65c5\u9014\u4e2d\uff0c\u80fd\u786e\u4fdd\u81ea\u5df1\u7684\u8eab\u4f53\u5065\u5eb7\u662f\u4e00\u4ef6\u975e\u5e38\u91cd\u8981\u7684\u4e8b\u3002\u867d\u7136\u5230\u53e6\u4e00\u4e2a\u56fd\u5bb6\u7559\u5b66\u662f\u4e2a\u5f88\u68d2\u7684\u4f53\u9a8c\uff0c\u4f46\u540c\u65f6\u4e5f\u9700\u8981\u505a\u597d\u5728\u56fd\u5916\u751f\u75c5\u6216\u53d7\u4f24\u7684\u51c6\u5907\u3002\u7f8e\u56fd\u533b\u7597\u7cfb\u7edf\u662f\u4e16\u754c\u4e0a\u6700\u590d\u6742\u4e5f\u6700\u8d35\u7684\u7cfb\u7edf\u4e4b\u4e00\uff0c\u4ee5\u4e0b\u6709\u5173\u7f8e\u56fd\u533b\u7597\u7cfb\u7edf\u7684\u4fe1\u606f\u662f\u4f5c\u4e3a\u4e00\u540d\u7559\u5b66\u751f\u9700\u8981\u4e86\u89e3\u7684\uff1a<\/p>\n<h2><span 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src=\"https:\/\/blog.internationalstudent.com\/wp-content\/uploads\/2018\/02\/xray-money-264x300.jpg\" alt=\"\" width=\"135\" height=\"153\" \/><\/p>\n<ul>\n<li>\u9611\u5c3e\u708e\u624b\u672f\uff1a60,483\u7f8e\u5143<\/li>\n<li>\u80a9\u80db\u9aa8\u9aa8\u6298\u8d39\u7528\uff1a47,445\u7f8e\u5143<\/li>\n<li>\u9501\u9aa8\u9aa8\u6298\u8d39\u7528\uff1a18,393\u7f8e\u5143<\/li>\n<li>\u8f66\u7978\u6216\u4e25\u91cd\u53d7\u4f24\uff1a\u8d85\u8fc715\u4e07\u7f8e\u5143<\/li>\n<\/ul>\n<h2><\/h2>\n<h2><strong><span style=\"color: #0000ff;\">\u4ec0\u4e48\u662f\u533b\u7597\u4fdd\u9669\uff1f<\/span><\/strong><\/h2>\n<p>\u5728\u7f8e\u56fd\u56e0\u4e3a\u533b\u7597\u8d39\u7528\u6602\u8d35\uff0c\u8d2d\u4e70\u533b\u7597\u4fdd\u9669\u5bf9\u7559\u5b66\u751f\u6765\u8bf4\u662f\u5fc5\u4e0d\u53ef\u5c11\u7684\u3002\u4e3a\u4e86\u7ef4\u6301\u7b7e\u8bc1\u8eab\u4efd\uff0c\u4e00\u4e9b\u7b7e\u8bc1\u6bd4\u5982J\u7b7e\u8bc1\uff0c\u88ab\u7f8e\u56fd\u653f\u5e9c\u8981\u6c42\u7559\u5b66\u751f\u6216\u8bbf\u95ee\u5b66\u8005\u8fdb\u5165\u7f8e\u56fd\u524d\u9700\u8d2d\u6709\u660e\u786e\u7684\u533b\u7597\u4fdd\u9669\u3002\u4f46<span style=\"color: #ff0000;\">\u7a76\u7adf\u4ec0\u4e48\u662f\u533b\u7597\u4fdd\u9669\uff1f\u533b\u7597\u4fdd\u9669\u662f\u4e00\u79cd\u8986\u76d6\u6b63\u89c4\u7684\u533b\u7597\u8d39\u7528\u4fdd\u969c<\/span>\u3002\u533b\u7597\u4fdd\u9669\u63d0\u4f9b\u7684\u4fdd\u969c\u53d8\u5316\u4e0d\u4e00\u3002\u5373\u4f7f\u62e5\u6709\u533b\u7597\u4fdd\u9669\uff0c\u4e5f\u9700\u8981\u652f\u4ed8\u4e00\u90e8\u5206\u7684\u6cbb\u7597\u8d39\u7528\u3002\u8fd9\u4e9b\u5c31\u662f\u6240\u8bf4\u7684\u201c\u81ea\u4ed8\u8d39\u7528\u201d\u3002<\/p>\n<h2><strong><span style=\"color: #0000ff;\">\u4fdd\u9669\u672f\u8bed 101<\/span><\/strong><\/h2>\n<p>\u4eba\u4eec\u603b\u662f\u81ea\u6211\u611f\u89c9\u826f\u597d\uff0c\u89c9\u5f97\u6c38\u8fdc\u4e0d\u4f1a\u751f\u75c5\u6216\u53d7\u4f24\uff0c\u4f46\u751f\u6d3b\u4e5f\u5e38\u5e38\u51fa\u73b0\u610f\u5916\u3002\u5982\u679c\u4f60\u8fd8\u5728\u8003\u8651\u54ea\u79cd\u4fdd\u9669\u80fd\u6ee1\u8db3\u4f60\u7684\u9700\u6c42\uff0c\u8bf7\u5148\u8bb0\u4f4f\u4ee5\u4e0b\u7684\u4fdd\u9669\u672f\u8bed\uff1a<\/p>\n<ul>\n<li>\u4fdd\u5355\u4e0a\u9650\u989d\u5ea6(\u6700\u9ad8\u4fdd\u989d)\uff1a\u4fdd\u5355\u8986\u76d6\u7684\u6240\u6709\u7efc\u5408\u533b\u7597\u8d39\u7528\u7684\u6700\u9ad8\u989d\u5ea6<\/li>\n<li>\u81ea\u4ed8\u8d39\u7528\uff1a\u5305\u62ec\u514d\u8d54\u989d\uff0c\u6302\u53f7\u8d39\uff0c\u5171\u540c\u4fdd\u9669\u6216\u8d85\u652f\u90e8\u5206\u3002\u901a\u5e38\u662f\u6307\u8fd9\u4e9b\u90e8\u5206\u7684\u603b\u548c\u3002\n<ul>\n<li style=\"text-align: left;\">\u514d\u8d54\u989d(Deductible)\uff1a\u4fdd\u9669\u8ba1\u5212\u8d54\u4ed8\u4e4b\u524d\u9700\u8981\u652f\u4ed8\u7ed9\u533b\u751f\u7684\u56fa\u5b9a\u8d39\u7528\u3002\u8fd9\u4e2a\u8d39\u7528\u53ef\u80fd\u662f\u6bcf\u6b21\u53d7\u4f24\/\u75be\u75c5\u652f\u4ed8\u6216\u6bcf\u9636\u6bb5\u652f\u4ed8\u3002<\/li>\n<li style=\"text-align: left;\">\u6302\u53f7\u8d39(Copay\/Copayment)\uff1a\u4e0e\u514d\u8d54\u989d\u7c7b\u4f3c\uff0c\u6bcf\u6b21\u770b\u75c5\u90fd\u9700\u8981\u652f\u4ed8\u7684\u56fa\u5b9a\u8d39\u7528\u3002<\/li>\n<li style=\"text-align: left;\">\u5171\u540c\u4fdd\u9669(Coinsurance)\uff1a\u4f60\u548c\u4fdd\u9669\u516c\u53f8\u5171\u540c\u627f\u62c5\u7684\u6bd4\u4f8b\u8d39\u7528\u3002\u4e00\u4e9b\u8ba1\u5212\u53ef\u80fd\u662f80\/20\u7684\u5171\u4fdd\u6bd4\u4f8b\uff0c\u8fd9\u5c31\u610f\u5473\u7740\u4fdd\u9669\u8ba1\u5212\u652f\u4ed880%\u7684\u533b\u7597\u8d39\u7528\uff0c\u4e2a\u4eba\u652f\u4ed820%\u3002\u5171\u4fdd\u6709\u65f6\u6709\u4e00\u5b9a\u7684\u4e0a\u9650\u3002\u4f8b\u5982\uff1a\u4f60\u652f\u4ed8\u768420%\u6700\u9ad8\u989d\u5ea6\u53ef\u80fd\u53ea\u9700\u8981\u52305000\u7f8e\u5143\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\u4fdd\u969c\uff1a\u4f60\u7684\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u8986\u76d6\u7684\u5185\u5bb9\u3002<\/li>\n<li>\u9664\u5916\u8d23\u4efb\uff1a\u4e0d\u5305\u62ec\u5728\u4fdd\u9669\u8ba1\u5212\u4ed8\u6b3e\u4e4b\u5185\uff0c\u8bf7\u7279\u522b\u6ce8\u610f\u9664\u5916\u8d23\u4efb\u6761\u6b3e\u3002<\/li>\n<\/ul>\n<h2><strong><span style=\"color: #0000ff;\">\u592a\u591a\u9009\u62e9\uff01\u65e0\u4ece\u4e0b\u624b\uff1f<\/span><\/strong><\/h2>\n<p>\u8bda\u5982\u6211\u4eec\u6240\u8bf4\uff0c\u7f8e\u56fd\u533b\u7597\u7cfb\u7edf\u76f8\u5f53\u590d\u6742\u3002\u5f53\u4f60\u641c\u5bfb\u533b\u7597\u5e2e\u52a9\u65f6\u6709\u8bb8\u591a\u4e0d\u540c\u79cd\u7c7b\u7684\u533b\u7597\u673a\u6784\uff1a\u533b\u9662\uff0c\u6025\u8bca\u5ba4(Emergency Room)\uff0c\u79c1\u4eba\u8bca\u6240\uff0c\u6025\u6551\u62a4\u7406\u4e2d\u5fc3(Urgent Care Clinics)\uff0c\u95e8\u8bca\u4e2d\u5fc3(Walk-in Clinics)\uff0c\u4e13\u5bb6\u8bca\u5ba4\uff0c\u624b\u672f\u4e2d\u5fc3\uff0c\u836f\u623f\uff0c\u5b66\u6821\u5b66\u751f\u533b\u7597\u4e2d\u5fc3\u3002\u4f60\u8be5\u5982\u4f55\u9009\u62e9\u54ea\u4e2a\uff1f<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.internationalstudent.com\/wp-content\/uploads\/2018\/02\/hospital-staff.jpg\" alt=\"\" width=\"261\" height=\"174\" \/><\/p>\n<p>\u5982\u679c\u5b66\u6821\u6709\u5b66\u751f\u533b\u7597\u4e2d\u5fc3\uff0c\u975e\u7d27\u6025\u60c5\u51b5\u4e0b\u662f\u6700\u597d\u7684\u9009\u62e9\u3002\u5b66\u751f\u533b\u7597\u4e2d\u5fc3\u5177\u5907\u4e86\u5904\u7406\u4e00\u90e8\u5206\u95ee\u9898\u7684\u80fd\u529b\u4e14\u8d39\u7528\u4e0d\u9ad8\u3002\u9664\u975e\u6709\u5fc5\u8981\uff0c\u5b66\u751f\u533b\u7597\u4e2d\u5fc3\u4f1a\u8981\u6c42\u4f60\u5230\u4e0d\u540c\u7684\u8bca\u5ba4\u6216\u533b\u9662\u770b\u75c5\u3002\u79c1\u4eba\u8bca\u6240\u6216\u5f53\u5730\u5bb6\u5ead\u533b\u751f\u662f\u4f60\u9009\u62e9\u6cbb\u7597\u7684\u597d\u5730\u65b9\u3002<\/p>\n<p>\u4e07\u4e00\u53d7\u4f24\u6216\u751f\u75c5\u9700\u8981\u7d27\u6025\u6cbb\u7597\uff0c\u5219\u9700\u8981\u5230\u6025\u6551\u62a4\u7406\u4e2d\u5fc3(Urgent Care Clinics)\u6216\u95e8\u8bca\u4e2d\u5fc3(Walk-in Clinics)\u5904\u7406\u3002\u8fd9\u4e9b\u533b\u7597\u673a\u6784\u80fd\u6cbb\u7597\u7b80\u5355\u7684\u4f24\u75c5\u6bd4\u5982\u611f\u5192\u6216\u6d41\u611f\u4ee5\u53ca\u4e00\u4e9b\u8f7b\u5fae\u590d\u6742\u7684\u95ee\u9898\u4f8b\u5982\u626d\u4f24\u6216\u8f7b\u5fae\u9aa8\u6298\u3002\u5219\u9700\u8981\u5230\u6025\u6551\u62a4\u7406\u4e2d\u5fc3(Urgent Care Clinics)\u6216\u95e8\u8bca\u4e2d\u5fc3(Walk-in Clinics)\u8fd9\u4e9b\u673a\u6784\u8425\u4e1a\u65f6\u95f4\u8f83\u957f\u4e14\u4e0d\u9700\u8981\u63d0\u524d\u9884\u7ea6\u3002<\/p>\n<p>\u533b\u9662\u6025\u8bca\u5ba4\u901a\u5e38\u90fd\u662f24\u5c0f\u65f6\u5f00\u653e\uff0c\u7136\u800c\uff0c\u524d\u63d0\u662f\u7d27\u6025\u72b6\u51b5\u6216\u6709\u751f\u547d\u5371\u9669\u624d\u53bb\u6025\u8bca\u5ba4\u3002\u6025\u8bca\u5ba4\u6536\u8d39\u975e\u5e38\u9ad8\u3002<\/p>\n<p><span style=\"color: #0000ff;\"><em><img loading=\"lazy\" decoding=\"async\" class=\"alignleft\" src=\"https:\/\/blog.internationalstudent.com\/wp-content\/uploads\/2018\/02\/hand-175x144.jpg\" alt=\"\" width=\"57\" height=\"47\" \/>\u5c0f\u8d34\u58eb\uff1a\u51fa\u56fd\u4e4b\u524d\uff0c\u6211\u4eec\u5efa\u8bae\u60a8\u80fd\u505a\u4e00\u6b21\u5168\u8eab\u4f53\u68c0\uff0c\u770b\u770b\u7259\u533b\uff0c\u68c0\u67e5\u89c6\u529b\u5e76\u4e14\u5e26\u8db3\u4f60\u73b0\u5728\u670d\u7528\u7684\u5904\u65b9\u836f\u3002\u5f53\u4f60\u6765\u5230\u7f8e\u56fd\u4f1a\u53d1\u73b0\u80fd\u7701\u4e0b\u4e00\u7b14\u94b1\u3002<\/em><\/span><\/p>\n<p>\u60f3\u4e86\u89e3\u66f4\u591a\u6709\u5173\u7f8e\u56fd\u533b\u7597\u7cfb\u7edf\u4fe1\u606f\uff1f \u8bf7\u67e5\u770bInternational Student Insurance \u2013 ISI\u7559\u5b66\u4fdd\u9669\u7684<a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/baoxian-jiangjie\/meiguo-yiliao-xitong-shipin.php\">Oveview of the US Healthcare System video<\/a>(\u7559\u5b66\u751f\u9700\u77e5\u7684\u7f8e\u56fd\u533b\u7597\u4fdd\u5065\u7cfb\u7edf)\uff0c\u6b64\u89c6\u9891\u6709\u4e2d\u6587\u5b57\u5e55\uff0c\u65b9\u4fbf\u5404\u4f4d\u89c2\u770b\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f5c\u4e3a\u4e00\u540d\u7559\u5b66\u751f\u5230\u7f8e\u56fd\u6765\u7559\u5b66\u662f\u4e00\u4ef6\u6fc0\u52a8\u4eba\u5fc3\u7684\u5192\u9669\u3002\u7f8e\u56fd\u6587\u5316\u662f\u975e\u5e38\u72ec\u4e00\u65e0\u4e8c\u7684\uff0c\u8fd9\u4e2a\u5730\u5927\u7269\u535a\u7684\u56fd\u5bb6\u771f\u8bda\u7684\u6b22\u8fce\u6bcf\u4e2a\u7559\u5b66 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101,9],"tags":[35,55,60,112],"class_list":["post-603","post","type-post","status-publish","format-standard","hentry","category-isi","category-9","tag-isi","tag-55","tag-60","tag-112"],"_links":{"self":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/comments?post=603"}],"version-history":[{"count":4,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/603\/revisions"}],"predecessor-version":[{"id":608,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/603\/revisions\/608"}],"wp:attachment":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/media?parent=603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/categories?post=603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/tags?post=603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}