K*a*v*i*n*u*k*ė

Visas su praejusiomis ir ateinanciomis sventemis.
Gal kas uzsuks i tema ir gales man truputi patart. Atejo laikas, kai jau butina isigyt sveikatos draudima, kol kas man tai " tamsus miskas". Gal kas atsakys, ka as gauciau uz toki draudima. Esam suauge, chronisku ligu neturintys zmones. Pvz. kojos luzis, apendicito operacija, ar sis draudimas kazkiek dengia, ar tai tik paprasto apsilankymo pas gyd. draudimas( pvz. gripas)
Costs for Medical CarePrimary
Care Visit to Treat an Injury or Illness No charge after deductible
Specialist Visit No charge after deductible
Hearing Aids Benefit not covered
Routine Eye Exam for Children No charge after deductible
Eye Glasses for Children No charge after deductible
Laboratory Outpatient and Professional Services No charge after deductible X-rays and Diagnostic Imaging No charge after deductible

Health Savings Account (HSA) eligible plan yes

Prescription drug coverage
Generic drugs No charge
Preferred Brand Drugs No charge
Non-Preferred Brand Drugs No charge
Specialty Drugs No charge

List of covered drugs Click here
Prescription drug deductible Included in plan deductible
Prescription drug out-of-pocket maximum Included in out-of-pocket maximum

Access to doctors and hospitals
Provider directory URLClick here
National Provider NetworknoMulti-state plan no

Hospital service
Emergency Room Services No charge after deductible
Inpatient Hospital Services (e.g., Hospital Stay) No charge after deductible
Inpatient Physician and Surgical Services No charge after deductible

Adult Dental Coverage
Routine Dental Services (Adult) Benefit not covered
Basic Dental Care - Adult Benefit not covered
Orthodontia - Adult Benefit not covered
Major Dental Care - Adult Benefit not covered
Find DentistN/A

Child Dental Coverage
Dental Check-Up for Children No charge
Basic Dental Care - Child 20% Coinsurance after deductible
Orthodontia - Child 40% Coinsurance after deductible
Major Dental Care - Child 40% Coinsurance after deductible

Medical management programs

Other Services
Infertility Treatment Benefit not covered
Private-Duty Nursing Benefit not covered
Bariatric Surgery Benefit not covered
Skilled Nursing Facility No charge after deductible
Mental/Behavioral Health Outpatient Services No charge after deductible
Mental/Behavioral Health Inpatient Services No charge after deductible
Outpatient Rehabilitation Services No charge after deductible
Habilitation Services No charge after deductible
Chiropractic Care No charge after deductible
Acupuncture Benefit not covered

Eligible dependents
Spouse Allowed
Grandson or Granddaughter Allowed
Adopted Child AllowedFoster Child Allowed
Ward AllowedStepson or Stepdaughter Allowed
Child Allowed
Dependent on a Minor Dependent Allowed
Maximum age for a child dependent 29

su shventem!!! mes turim BCBS PPO... deductible 6200$, co-pay 30$ ko neimciau 100% tai dental insurance o, klausimo " ka as gauciau uz toki draudima" nelabai supratau

[quote=Rashkyte,2014 12 26, 18:51]
su shventem!!! mes turim BCBS PPO... deductible 6200$, co-pay 30$ ko neimciau 100% tai dental insurance o, klausimo " ka as gauciau uz toki draudima" nelabai supratau

Cia butu Compass H.S.A. 3600 HMO planas deductible 1000$. Kiek supratau, tai apsilankymai pas gydytojus, specialistus, vaistai nemokami arba nemokami po deductible. Kol kas su medicina susidurem cia tik tiek, kiek dukrai reikejo mokyklai pazymos del sporto. Nesuprantama man stai del ko - sakykim ,kaip pvz. pradejo skaudet man sona, kreipiausi pas gydytoja. Nustato, kad atendicitas, reikalinga operacija. Kiek suprantu, pagal si plana gulejimas ligoninej nemokamas po deductible, bet kiek man kainuos operacija. Ar pagal si plana tai nors kiek kompensuojama?

[quote=tingine121,2014 12 26, 11:29]
[quote=Rashkyte,2014 12 26, 18:51]
su shventem!!! mes turim BCBS PPO... deductible 6200$, co-pay 30$ ko neimciau 100% tai dental insurance o, klausimo " ka as gauciau uz toki draudima" nelabai supratau

Cia butu Compass H.S.A. 3600 HMO planas deductible 1000$
[/quote]
aishku, dekui nebuvau net girdejus tokio o, tai kokios menesines imokos, jei tiek visko dengia? ir , cia, kiek suprantu ne visos valstijos toki turi

Cia Floridoj, 4 suaugusiems butu virs 900 simtu, bet didesne dali mums padengtu, tai ir manau, vertas jis demesio ar ne.

aaa, aishku nu kaina, tai labai normali kaip privaciam draudimui

Dar vis niekaip neapsisprendziam del draudimo. Kuo daugiau gilinies, tuo viskas daros nebesuprantama. Ar deductible dalijasi is seimos nariu skaiciaus, ar ,sakykim, seimoj vienas labiau sergantis, jis ir naudoja beveik visa deductible.

turi buti plane parasyta kiek deductibles priklauso vienam plano nariui, ir kiek visiems bendrai. Bent jau taip maciau kai rinkausi neseniai.
Papildyta:
Niekur nematau parasyta kiek yra deductibles pas jus plane. Ir siaip palanas nelabai, nes visur no charge after deductibles. Tai jei tie deductibles labai dideli, menesinis mokesnis nemazas, tada gal vertetu pasiziureti truputi brangesni plana, su geresnem salygom ?

Tiek family deductible, tiek family out-of-pocket yra po 2200 ( esam 4 asmenys). Menesinis mokestis butu apie 200.

Sveikos

Ar leidžiate kas nors savo vaikus į Neringos arba Dainavos stovyklas?

Radau straipsni kaip rinktis draudima
http://health.usnews...ealth-insurance

Buvau Neringos stovykloje. Jaunesnio kaip 10-11m. vaiko ten nepalikciau, nes labai prastos salygos. Mazesniam vaikui butu sunku.