Health Insurance 健康保險
Health insurance includes individual and group health insurance.
1: Suitable for young, healthy, rarely see a doctor, or who do not like the doctor referral process.
2: No Referral process, you can go to physicians and hospitals which contract with your insurance company.
3: You can choose any providers in network, you have more choices and it’s very convenient.
4: You have to pay your annual deductible and coinsurance payment in calendar year.
1: Suitable for applicants, who have illness or chronicle illness, or for those who needs long term physician and medication need.
2: The insured must select physician who is contracted with insurance company and their medical networks. Unless you are receiving treatment or had been pregnant, you can always replace the family physician or the physician medical network.
3: Family physicians usually in internal medicine, general medicine, family practice or pediatricians.
4: Insured has to go through the referral process by family doctor if insured wants to see specialty physicians. However, your usual monthly premium is expensive; the amount you need to pay for your medical expense will be less, such as $0 hospital charges.
Insurance carrier would determine your eligibility based on the type of illness and severity of the condition of this applicant who has pre-existing condition. Even if your application is approved, insurance company may requires a 6-month waiting period on your pre-existing condition, which means any medical expenses related to your pre-existing condition would not be covered during the first 6 months.
健康保險分 PPO 及 HMO
- 選擇的家庭醫師者包括內科醫師, 一般科醫師, 家庭科醫師, 和小兒科醫師.
- 因爲要經過轉診程式，HMO的使用較爲不便, 不過，您每月保險費通常比較昂貴，但是自己承擔的醫療費用通常很少, 例如$0住院費。
Sky Vision Insurance/Li David, CA License Number 0G00707/0F58914, does not provide tax legal or investment advice. You should consult with and rely on your own qualified advisor. Sky Vision Insurance/Li David are licensed to do business in California.