Copay vs可扣除
Health insurance提供患者的覆盖范围,违反医疗费用的费用。但是,某些国家(例如美国)的健康保险政策不覆盖患者账单的100%,并要求患者也做出贡献。保险公司采用了许多分担这一成本的方法。以下文章仔细研究了两种此类成本共享方法;可扣除和共产力。由于健康保险术语由于其复杂性可能会令人困惑,因此重要的是要清楚地了解每个学期的含义以及了解它们之间的相似性和差异。
什么是Copay?
Copay是患者每次访问医疗保健从业人员(例如医生或医院)的固定金额,也是通过药房填写的每张处方。Copay允许保险公司与患者分享医疗费用,从而阻止患者进行不必要的医生就诊。作为COPAY收取的金额取决于患者看到的医生类型(专家需要更高的Copay vs.与全科医生),购买的药物类型;通用较便宜的药物而不是品牌更昂贵的药物,以及患者是否从保险公司网络中的医疗保健从业人员那里寻求医疗保健。关于COPAY的主要要记住的是,这是一笔固定的款项,一旦支付,保险公司将涵盖其余的账单。这意味着,如果您的款项为35美元,无论您的总账单是100美元还是1000美元,保险公司将涵盖其余的。
什么是可扣除的?
可扣除is the amount that the patient should pay out of their own money per year before the insurance company starts sharing the medical bills cost with the patient. For example, the deductible on a certain medical insurance is $2000. The patient suffers an injury and the medical bill is $1500. This will have to be borne by the patient as the deductible has not yet been paid. Once the $1500 is paid $500 is the balance left on the annual deductible. The patient suffers another injury in a few months with a total medical bill of $1500. Now the patient will pay $500, and the rest $1000 will be paid by the insurance company, as once the $500 is paid the total deductible of $2000 is covered. However, it is important to keep in mind that even when the yearly deductible is paid in full the insurance company does not cover the total amount of the medical bill. The patient still has to share the cost of the bill through a coinsurance payment or copay until their out of pocket limit (the total that the patient has to pay out of their own pocket including coinsurance, copay and deductibles) are met.
Copay和可抵扣有什么区别?
某些国家的健康保险政策要求患者分享医疗费用。在本文中,我们研究了两种此类成本分享机制。可扣除和共产力。可扣除额和共产支付之间的主要相似性是它们都是固定的,并且与患者收到的医疗程序或服务的成本不一样。此外,诸如美国《平价医疗法案》之类的法律允许患者进行预防性健康检查,而无需进行任何共同保险付款,并涵盖了总体医疗费用,即使他们没有支付扣除额。Copay和自付额之间的主要区别在于,在全额支付免赔额之前,保险公司不会为医疗费用做出贡献。此外,每年仅支付几次免赔额,直到满足总免赔额,而每次填写处方或患者访问医疗保健从业者时都会进行销售。
概括:
Copay vs可扣除
•健康保险提供了针对医疗费用费用的患者承保范围。但是,某些国家(例如美国)的健康保险政策不覆盖患者账单的100%,并要求患者也做出贡献。
•钱就是病人支付一个固定金额every visit to a health care practitioner (such as a doctor or hospital) and for every prescription that is filled through a pharmacy.
•免赔额是患者应在保险公司开始与患者共享医疗费用之前每年支付的金额。
•Copay和可扣除额之间的主要相似性是它们都是固定的金额,并且与患者接受的医疗程序或服务成本不同。
•COPAY和可扣除额之间的主要区别在于,免赔额每年仅支付几次,直到满足总免赔额,而每次填充处方或患者访问医疗保健从业者时都会进行共付费。
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