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
亚洲欧洲综合有码无码| 中文无码一区二区不卡αv| 伊伊成人综合无码视频| 国产亚洲精品a在线无码2021| 亚洲美女又黄又爽在线观看| 日韩AⅤ无码AV一区二区三区| 97久久超碰亚洲视觉盛宴| 成人区人妻精品一区二区不卡网站| 久久精品国产亚洲AⅤ无码| 国产女同疯狂作爱系列| 欧美XXXX色视频在线观看免费| 精品久久久久久无码中文字幕漫画| 国产va成人无码人在线观看天堂| 全免费a级毛片免费看视频免| 99久久综合精品五月天| 久久中文字幕人妻熟AV女| 男人把女人桶爽30分钟| 日本大胆欧美人术艺术| 亚洲成AV人片在线观看无| 免费看美女尿口软件app大全| 亚洲国产成人片在线观看无码| 真实的国产乱ⅩXXX66| 免费无码婬片AAAA片直播| 精品日本一区二区国产午夜精品久久久久| 红樱桃影视久久夜色精品国产噜噜| 亚洲伊人久久大香线蕉综合图片| 丁香五月国产精品| 欧美精品九九久久久久久久久| 野花视频在线观看免费观看最新| 亚洲爆乳AAA无码专区| 亚洲欧美另类精品在线观看| xfplay每日最新资源站姿| √天堂资源在线中文8在线最新| 国产曰韩ai一区二区三区| 国产无人区卡一卡二卡三乱码网站| 精品国产高清一区二区广区| 国产精品爽爽VA在线观看无码| 国产免费观看a大片的网站| 991久久久无码国产精精品免费| 久久精品极品盛宴观看| 全免费a级毛片免费看视频免|