成人小说亚洲一区二区三区,亚洲国产精品一区二区三区,国产精品成人精品久久久,久久综合一区二区三区,精品无码av一区二区,国产一级a毛一级a看免费视频,欧洲uv免费在线区一二区,亚洲国产欧美中日韩成人综合视频,国产熟女一区二区三区五月婷小说,亚洲一区波多野结衣在线

立即打開
美國人生娃成本有多高?

美國人生娃成本有多高?

Kara Brandeisky , Money 2016-05-18
在美國,生孩子離免費還差得很遠。當美國的母親們帶著新生兒出院回家,高昂的賬單就會接踵而來。

非盈利的醫(yī)療衛(wèi)生機構FAIR Health擁有全美國保險理賠的數(shù)據(jù)庫。他們的數(shù)據(jù)顯示,在美國,孕婦順產(chǎn)分娩且無并發(fā)癥的情況下,平均要向醫(yī)生繳納3,035美元。其中包含了產(chǎn)前和產(chǎn)后的日常護理費用(但不包含超聲檢查和羊水診斷等)。如果你想在分娩時接受硬脊膜外麻醉(老實說,許多女性都會選擇這種麻醉),平均還要多掏2,132美元。根據(jù)居住地的不同,這些費用也有很大差別。FAIR Health還發(fā)現(xiàn),在全美國范圍內(nèi),剖腹產(chǎn)的平均費用為3,382美元,接受硬脊膜外麻醉還將產(chǎn)生平均1,646美元的額外費用。

不過這只是給醫(yī)生的費用,不是給醫(yī)院的。在去年Health Affairs發(fā)表的另一篇研究報告中,科研人員發(fā)現(xiàn),生育還將產(chǎn)生1,189美元至11,986美元不等的住院費,這還是在分娩風險較低的情況下。

這里需要明確指出,根據(jù)醫(yī)療保險的不同,你需要支付的實際費用會有很大差異。

大部分人在自費醫(yī)療達到一定數(shù)額后,才能開始享受保險——也就是在保險公司付賬之前先自掏腰包。根據(jù)Kaiser Family Foundation(KFF)的數(shù)據(jù),參加優(yōu)選醫(yī)療機構(PPO)計劃的家庭平均需要支付2,012美元,或每個家庭成員支付944美元,才能達到保險的條件。

在此之后,保險公司可能還會讓你掏錢。你可能需要支付一定比例的醫(yī)療費,即所謂的共同保險。KFF發(fā)現(xiàn),每次住院的平均自付金額為308美元,或每天281美元,平均自付率為19%。

如果你出現(xiàn)了并發(fā)癥,費用還會更高。幸運的是,《平價醫(yī)療法案》(Affordable Care Act)規(guī)定了你在享受醫(yī)保網(wǎng)絡內(nèi)服務時需要支付的費用上限。法律規(guī)定,參加醫(yī)療計劃的家庭,每年支付的醫(yī)療費用最多不超過13,700美元,而你的保險公司設定的上限可能還會更低。

居住地不同,醫(yī)療理賠的費用也會不同。FAIR Health發(fā)現(xiàn),順產(chǎn)的平均費用從阿拉巴馬州莫比爾(Mobile)的1,614美元到紐約市布朗克斯(Bronx)的9,279美元不等。根據(jù)FAIR Health的消費者成本查找工具,你可以看到對應地區(qū)的通常價格。

如果你已經(jīng)投保,估計你要掏多少錢的最好辦法就是看看你的健康計劃是否有價格透明度工具【美世咨詢(Mercer)表示,現(xiàn)在有77%的大型雇主都提供這種工具】。它能告訴你,在醫(yī)保網(wǎng)絡中的某家機構生育大概要花多少錢。

如果你尚未投保,就得等到奧巴馬醫(yī)改規(guī)定的下一次保險購買開放期(open enrollment period),或是等到你有孩子為止——無論哪項都可以。擁有小孩能讓你享有購買保險的特別開放期,不過只是懷孕的話可不行。(財富中文網(wǎng))

譯者:嚴匡正

?

The average doctor charges for a vaginal delivery with no complications in the U.S. is $3,035, according to data from FAIR Health, a health care nonprofit that keeps a national database of insurance claims. That includes the cost of routine care before and after the birth (but not tests like ultra sounds or amnio). If you want an epidural (which, let’s be real, many women do), that’s another $2,132 on average. Prices vary considerably depending on where you live. The average cost of a C-Section nationwide is $3,382, plus $1,646 for an epidural, FAIR Health found.

But that’s just for your doctors—not the hospital. In a separate study published in the journal Health Affairs last year, researchers found that the cost of a hospital stay to give birth ranged from $1,189 to $11,986, and that was for what were considered low-risk deliveries.

To be clear, your actual out-of-pocket costs will vary considerably depending on your health insurance policy.

Most people with insurance first have to fulfill a deductible—that is, pay a certain amount out of pocket before insurance covers the bill. On average, employees in traditional PPO family plans need to pay $2,012 as a family or $944 per person to meet their deductible, according to the Kaiser Family Foundation.

After that, your insurer may still require you to chip in. You may owe co-pays or a percentage of the bill, called co-insurance. The average hospital co-pay is $308 per admission, and $281 per day. The average co-insurance rate is 19% of the bill, KFF found.

Charges can add up, particularly if you have complications. Fortunately, the Affordable Care Act puts a cap on what you’ll pay for in-network services. The legal out-of-pocket maximum is$13,700 for family plans — though your insurer may set an even lower cap.

Your medical claims can also vary depending on where you live. FAIR Health found the average cost of vaginal delivery ranged from $1,614 in Mobile, Ala. to $9,279 in the Bronx, N.Y. You can find typical prices in your area with FAIR Health’s Consumer Cost Lookup tool.

If you’re insured, the best way to estimate what you’ll owe is to check if your health plan has a price transparency tool (77% of large employers now offer them, according to Mercer). That should tell you what you can expect to pay with specific providers in your network.

If you’re not insured, you’ll have to wait until the next Obamacare open enrollment period to buy health coverage, or until you have your baby — whichever comes first. Having a child qualifies you for a special open enrollment period, but just being pregnant does not.

掃描二維碼下載財富APP
成年午夜精品久久久精品| 一区二区三区精品视频在线观看| 60岁妇女毛片免费观看| 亚洲天堂在线观看视频网站| 99爱精品成人免费观看| 成人一区二区三区无码| 亚洲国产精品成人精品无码区在线| 国产精品无码无卡无需播放器| 亚洲国产精品一区二区三区| 国产精品国产三级在线专区| 欧美精品性爱久久久午夜视频| 亚洲伦理一区二区| 每天鲁一鲁精品国产| 无码熟熟妇丰满人妻PORN| 国产91丝袜在线播放网站| 韩国精品一区二区三区在线观看| 欧美性生活一级片| 在线免费视频人妻| 中文字幕一区二区三区精彩视频| 国产精品一区二区久久不卡| 亚洲精品国产AV成拍色拍婷婷| 最新国产在线观看福利| 伊人无码精品久久一区二区| 美女视频很黄很A免费国产| 在线视频免费观看爽爽爽| 日韩精品成人无码亚洲AV无码| 精品视频在线观看一区二区三区| 一色桃花亚洲综合影院| 男人的天堂欧美网站免费观看欧美日韩ay在线观看| 亚洲av无码乱码精品国产| 精品多毛少妇人妻AV免费久久| 亚洲欧美日韩一区| 91伊人久久大香线蕉| 无码人妻一区二区三区免费N鬼沢| 高清看男人插曲女人视频| 亚洲国产精品久久久久久| 免费无码婬片AAAA片直播| aa久久一级一片毛片特色| 少妇无码一区二区三区| 免费无码鲁丝片一区二区| 人妻人人做人碰人人添|