\uc6b0\ub9ac\ub098\ub77c\uc640 \ub2ec\ub9ac \ubbf8\uad6d\uc740 \uac74\uac15\ubcf4\ud5d8\uc774 \ubaa8\ub450 \uc0ac\ubcf4\ud5d8\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubcf4\ud5d8 \uc0c1\ud488\ub4e4\uc774 \uc5c4\uccad\ub098\uac8c \ub2e4\uc591\ud558\uace0 \uc774\uc5d0 \ub530\ub77c \ubcf4\ud5d8\ub8cc\ub3c4 \ucc9c\ucc28\ub9cc\ubcc4\uc785\ub2c8\ub2e4. \uc6b0\ub9ac\ub098\ub77c\uc5d0\uc11c\ub294 \uadf8\ub0e5 \uac04\ub2e8\ud788 \u2018\ubcf4\ud5d8\uc5d0 \uac00\uc785\u2019\ud558\uba74 \ub418\uc9c0\ub9cc, \ubbf8\uad6d\uc5d0\uc11c\ub294 \uac01 \ubcf4\ud5d8 \uc0c1\ud488\ub4e4\uc758 \ub0b4\uc6a9\uc744 \uc798 \ud30c\uc545\ud558\uc5ec \uc790\uc2e0\uc5d0 \ub9de\ub294 \ubcf4\ud5d8\uc744 \u2018\uc120\ud0dd\u2019\ud574\uc57c \ud569\ub2c8\ub2e4. \ub610\ud55c \uc758\ub8cc \uc11c\ube44\uc2a4\ub97c \ubc1b\uc744 \ub54c\ub3c4 \uc790\uc2e0\uc774 \uac00\uc9c0\uace0 \uc788\ub294 \ubcf4\ud5d8\uc5d0\uc11c \uc5b4\ub5a4 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub294\uc9c0 \uc54c\uace0 \uc788\uc9c0 \ubabb\ud558\uba74 \ud070 \uc190\ud574\ub97c \ubcfc \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uacf3\uc774\ub098 \uc81c \uc8fc\ubcc0\uc5d0\uc11c \ubcf4\uba74, \uc6b0\ub9ac\ub098\ub77c\uc640 \ub2e4\ub978 \ubcf4\ud5d8\uc81c\ub3c4\ub85c \uc778\ud574\uc11c \ub9ce\uc740 \ubd84\ub4e4\uc774 \ud63c\ub780\uc2a4\ub7ec\uc6cc\ud558\uc2dc\ub294 \uac83 \uac19\uc544 \uc81c\uac00 \uc54c\uace0 \uc788\ub294, \ubcf4\ud5d8\uc5d0 \uad00\ud55c \ub2e8\ud3b8\uc801\uc778 \ub0b4\uc6a9\ub4e4\uc744 \uc815\ub9ac\ud558\ub824\uace0 \ud569\ub2c8\ub2e4. \ub9d0\uc774 \uc815\ub9ac\uc774\uc9c0 \uc81c\ub300\ub85c \uccb4\uacc4\ub97c \uac16\ucdb0 \uc4f8 \uac83 \uac19\uc9c0 \uc54a\uc544 \uadf8\uc800 \uc911\uad6c\ub09c\ubc29\uc2dd\uc758 \uc0ac\uc2e4 \ub098\uc5f4\uc5d0 \ubd88\uacfc\ud558\uaca0\uc9c0\ub9cc \uc870\uae08\uc774\ub77c\ub3c4 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uc73c\uba74 \uc88b\uaca0\uc2b5\ub2c8\ub2e4. \uc544\uc6b8\ub7ec \uae00\uc774 \uae38\uc5b4\uc11c \ubcc4\ub2e4\ub978 \ub9ac\ubdf0\uc5c6\uc774 \uadf8\ub0e5 \uc62c\ub9ac\ub2c8\uae4c \uc624\ud0c8\uc790\ub098 \uc5b4\uc0c9\ud55c \ud45c\ud604\uc5d0 \ub300\ud574\uc11c\ub294 \uc591\ud574 \ubd80\ud0c1\ub4dc\ub9bd\ub2c8\ub2e4. <\/p>\n
1) HMO, PPO
\n\uac74\uac15 \ubcf4\ud5d8\uc744 \uc0b4 \ub54c \uac00\uc7a5 \uba3c\uc800 \uace0\ub824\ud574\uc57c \ud560 \uc120\ud0dd \uc0ac\ud56d\uc73c\ub85c\uc11c, \uac01\uac01 Health Maintenance Organization \uacfc Preferred Provider Organization \uc758 \uc57d\uc790\uc785\ub2c8\ub2e4. \uc8fc\uce58\uc758\ub97c \uc9c0\uc815\ud560 \ud544\uc694\uac00 \uc788\ub290\ub0d0\uac00 \uc774 \ub458 \uc758 \ucc28\uc774\uc810\uc785\ub2c8\ub2e4. \uc6b0\ub9ac\ub098\ub77c\uc5d0\uc11c\ub294 \ubcd1\uc6d0\uc5d0 \uac00\ub824\uba74 \ub9c8\uc74c\uc5d0 \ub4dc\ub294 \uc544\ubb34 \ubcd1\uc6d0\uc774\ub098 \uac11\ub2c8\ub2e4. \uc774\uac83\uc740 (\uc644\uc804\ud788 \ub611\uac19\uc9c0\ub294 \uc54a\uc9c0\ub9cc) PPO \uc5d0 \uac00\uae5d\uc2b5\ub2c8\ub2e4. \ubc18\uba74, HMO \uc758 \uacbd\uc6b0\uc5d4 \uc8fc\uce58\uc758\ub97c \uc815\ud574\ub193\uace0 \ubcd1\uc6d0\uc5d0 \uac08 \uc77c\uc774 \uc0dd\uae30\uba74 \uc751\uae09\uc0c1\ud669\uc744 \uc81c\uc678\ud558\uace0\ub294 \ubcd1\uba85\uc5d0 \uc0c1\uad00\uc5c6\uc774 \uc774 \uc8fc\uce58\uc758\ub97c \ud1b5\ud574\uc57c \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5b4\ub5a4 \uc0ac\ub78c\uc774 HMO \ub97c \uac00\uc9c0\uace0 \uc788\uace0 \uc8fc\uce58\uc758\ub85c\uc11c \ub0b4\uacfc\uc758 \ud55c \uba85\uc744 \uc9c0\uc815\ud574\ub193\uc558\ub2e4\uace0 \ud558\uc8e0. \uadf8\ub7f0\ub370 \uc774 \uc0ac\ub78c\uc774 \uc815\ud615\uc678\uacfc\uc5d0 \uac08 \ud544\uc694\uac00 \uc0dd\uacbc\uc2b5\ub2c8\ub2e4. \uadf8\ub807\ub2e4\uba74 \uc774 \uc0ac\ub78c\uc740 \uc77c\ub2e8 \ub0b4\uacfc\uc758\uc778 \uc8fc\uce58\uc758\uc640 \uc608\uc57d\uc744 \uc7a1\uc544 \uc77c\ub2e8 \uadf8 \uc8fc\uce58\uc758\uc5d0\uac8c referral \uc744 \ubc1b\uc740 \ud6c4\uc5d0\uc57c \uc815\ud615\uc678\uacfc\uc5d0 \uac08 \uc218\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub2c8\uae4c HMO \ubcf4\ub2e4\ub294 PPO \uac00 \ud6e8\uc52c \ud3b8\ud558\uace0 \ub530\ub77c\uc11c \ubcf4\ud5d8\ub8cc\ub3c4 PPO \uac00 \ube44\uc309\ub2c8\ub2e4. <\/p>\n
2) Provider, Member (Subscriber)
\nProvider \ub294 \ubcd1\uc6d0, Member \ub294 \ubcf4\ud5d8 \uac00\uc785\uc790\uc785\ub2c8\ub2e4. \uac00\uc871\uc774 \ubcf4\ud5d8\uc744 \ud55c\uaebc\ubc88\uc5d0 \uc0b0 \uacbd\uc6b0\uc5d0\ub294 Subscriber \uac00 \uc788\uace0 \uadf8\uc5d0 \ud574\ub2f9\ud558\ub294 dependents \uac00 \uc788\uc2b5\ub2c8\ub2e4. Member \ub77c \ud568\uc740 \ubcf4\ud1b5 subscriber \uc640 dependents \ub97c \ubaa8\ub450 \ud3ec\ud568\ud569\ub2c8\ub2e4. (\uc5b4\ub5a4 \ubcf4\ud5d8\uc5d0\uc11c\ub294 member \ub294 subscriber \ub9cc \uc758\ubbf8\ud558\uace0 dependents\ub294 family member\ub85c \uce6d\ud558\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4..) <\/p>\n
3) In-network, out-of-network
\n\uacb0\ub860\ubd80\ud130 \uc774\uc57c\uae30\ud558\uc790\uba74, in-network \uc740 \uc790\uc2e0\uc774 \uac00\uc9c0\uace0 \uc788\ub294 \ubcf4\ud5d8\uc744 \ubc1b\uc544\uc8fc\ub294 \ubcd1\uc6d0\ub4e4\uc774\uace0 \uadf8 \ubc18\ub300\uac00 out-of-network \uc785\ub2c8\ub2e4. \uc774\uac74 \ubbf8\uad6d\uc758 \uc758\ub8cc\ubcf4\ud5d8\uc740 \uc6b0\ub9ac\ub098\ub77c\uc640 \ub2ec\ub9ac \uc0ac\ubcf4\ud5d8 \uc704\uc8fc\uc774\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubcd1\uc6d0\uc740 \uc790\uc2e0\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \ubcf4\ud5d8\uc0ac\uc640\ub9cc \uacc4\uc57d\uc744 \ub9fa\uace0 \uc774 \ubcf4\ud5d8\ub4e4\ub9cc \ubc1b\ub294\ub370 \uc774\ub7ec\uba74 \uadf8 \ubcd1\uc6d0\uc740 \uadf8 \ubcf4\ud5d8\uc0ac\uc758 network \uc5d0 \ub4e4\uc5b4\uac00\ub294 \uac83\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud658\uc790\uac00 \ubcd1\uc6d0\uc744 \uc120\ud0dd\ud558\uae30\uc5d0 \uc55e\uc11c \uaf2d \ud574\uc57c \ud560 \uc77c\uc774, \uac00\uace0\uc790 \ud558\ub294 \ubcd1\uc6d0\uc774 \uc790\uc2e0\uc758 \ubcf4\ud5d8\uc758 network \uc548\uc5d0 \uc788\ub294\uc9c0\ub97c \ud655\uc778\ud574\ubd10\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc0ac\uc2e4\uc740 \uac70\uafb8\ub85c in-network \uc778 \ubcd1\uc6d0 \uc911\uc5d0\uc11c \ud558\ub098\ub97c \uace0\ub978\ub2e4\uace0 \ud558\ub294 \uac83\uc774 \ub9de\ub294 \ud45c\ud604\uc77c \uac83\uc785\ub2c8\ub2e4. <\/p>\n
\uc0ac\uc2e4\uc740 out-of-network \uc774\ub77c\ub3c4 \uc804\ud600 \ubcf4\ud5d8\uc774 \ubb34\uc6a9\uc9c0\ubb3c\uc774\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc774 \uacbd\uc6b0\uc5d0\ub3c4 \uc81c\ud55c\uc801\uc774\uc9c0\ub9cc \uc5b4\ub290 \uc815\ub3c4 \ucee4\ubc84\ub97c \ud574\uc8fc\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uac19\uc740 \uce58\ub8cc\uc5d0 \ub300\ud574\uc11c in-network \uc778 \uacbd\uc6b0\uc5d0\ub294 90% \ub97c \ucee4\ubc84\ud574\uc8fc\uc9c0\ub9cc out-of-network \uc5d0\uc11c \uc11c\ube44\uc2a4\ub97c \ubc1b\uc744 \uacbd\uc6b0 50% \ub9cc \ucee4\ubc84\ud574\uc8fc\uace0 \ub354 \ub192\uc740 deductible \uc744 \uc801\uc6a9\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ubb3c\ub860 \uc5b4\ub5a4 \uc11c\ube44\uc2a4\ub294 \uc544\uc608 \ucee4\ubc84\ud574\uc8fc\uc9c0 \uc54a\uae30\ub3c4 \ud569\ub2c8\ub2e4. \ub610\ud55c \ub4a4\uc5d0\uc11c \uc124\uba85\ud560 negotiated fee (\ub610\ub294 contracted fee) \ub3c4 \ucc28\uc774\uac00 \uc0dd\uae41\ub2c8\ub2e4. <\/p>\n
\uaddc\ubaa8\uac00 \ud070 major \ubcf4\ud5d8\uc758 \uacbd\uc6b0\uc5d0\ub294 \uac70\uc758 \ubaa8\ub4e0 \ubcd1\uc6d0\ub4e4\uc774 network \uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ub78c\ub4e4\uc774 \uc774 \ubcf4\ud5d8\uc744 \ub9ce\uc774 \uac00\uc9c0\uace0 \uc788\uc73c\ubbc0\ub85c \uc190\ub2d8\uc744 \ub04c\uc5b4\ub4e4\uc774\ub824\uba74 \ub2f9\uc5f0\ud788 \uc774 \ubcf4\ud5d8\uacfc \uacc4\uc57d\uc744 \ub9fa\uc5b4\uc57c \ubcd1\uc6d0 \uc218\uc785\uc5d0 \uc774\ub4dd\uc774 \ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c major \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\ub294 \uacbd\uc6b0 \ubcd1\uc6d0 \uc120\ud0dd\uc774 \ud6e8\uc52c \uc6a9\uc774\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc18c\uaddc\ubaa8\uc758 \uad70\uc18c \ubcf4\ud5d8\uc758 \uacbd\uc6b0\uc5d4 \uadf8 \ubcf4\ud5d8\uc744 \ubc1b\uc9c0 \uc54a\ub294 \ubcd1\uc6d0\ub4e4\uc774 \ub9ce\uc73c\ubbc0\ub85c \uc120\ud0dd\uc774 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub7f0 \uc774\uc720\ub85c major \ubcf4\ud5d8\uc740 \uac19\uc740 \ud61c\ud0dd\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc880 \ube44\uc309\ub2c8\ub2e4. (\uac1c\uc778\uc801\uc73c\ub85c\ub294 \uc880 \ube44\uc2f8\ub3c4 major \ubcf4\ud5d8\uc744 \uc0ac\ub294 \uac83\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.) <\/p>\n
4) Negotiated fee (\ub610\ub294 contracted fee)
\n\uc704\uc5d0 \ub9d0\uc500 \ub4dc\ub838\ub4ef\uc774, \ubcd1\uc6d0\uc740 \ubcf4\ud5d8\uc0ac\uc640 \uacc4\uc57d\uc744 \ub9fa\ub294\ub370 \uc774\ub54c \uce58\ub8cc\ube44\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc57d\uc18d\uc744 \ud574\ub193\uc2b5\ub2c8\ub2e4. \ud658\uc790\uac00 \ubcd1\uc6d0\uc744 \uc774\uc6a9\ud558\uba74 \ubcd1\uc6d0\uc740 \uc77c\ub2e8 \ubcf4\ud5d8\uc0ac\uc5d0 \uce58\ub8cc\ube44\ub97c claim \ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \uc57d\uad00\uc5d0 \uc758\ud55c \uc77c\uc815 \ube44\uc728\uc744 \uc9c0\ubd88\ud558\uace0 \ub098\uba38\uc9c0\ub294 \ud658\uc790\uc758 \ubd80\ub2f4\uc73c\ub85c \ub3cc\ub9bd\ub2c8\ub2e4. \ub2e4\uc2dc \uac15\uc870\ud558\uc9c0\ub9cc \uc77c\uc815 \u2018\ube44\uc728\u2019\uc785\ub2c8\ub2e4. \ud658\uc790\uc758 \uacbd\uc6b0 \uce58\ub8cc\ube44\uac00 \uc801\uc73c\uba74 \uadf8\ub9cc\ud07c \uc790\uc2e0\uc774 \ubd80\ub2f4\ud574\uc57c \ud560 \uae08\uc561\ub3c4 \uc904\uc5b4\ub4e4\uaca0\uc9c0\uc694. \uadf8\ub7f0\ub370 \uc774\uac74 \ubcf4\ud5d8\uc0ac\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. \uccad\uad6c\ub41c \uae08\uc561\uc758 \u2018\uc77c\uc815 \uc561\u2019\uc774 \uc544\ub2c8\ub77c \u2018\uc77c\uc815 \ube44\uc728\u2019\uc744 \ubd80\ub2f4\ud574\uc57c \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubcf4\ud5d8\uc0ac\ub294 \ubcd1\uc6d0\uacfc \uc0ac\uc804\uc5d0 \uce58\ub8cc\ube44\uc5d0 \ub300\ud574\uc11c \uc6d0\ub798 \ube44\uc6a9\ubcf4\ub2e4 \uae4e\uc544\ub193\uae30\ub85c \uacc4\uc57d\uc744 \ub9fa\uc2b5\ub2c8\ub2e4. \uc774\uac83\uc774 negotiated fee \uc785\ub2c8\ub2e4. <\/p>\n
\uc608\ub97c \ub4e4\uc5b4, \uc5b4\ub5a4 \ubcd1\uc6d0\uc5d0\uc11c \uc5b4\ub5a4 \ud658\uc790\uac00 X-ray \ub97c \ucc0d\uc5c8\uc2b5\ub2c8\ub2e4. \uc774 \ubcd1\uc6d0\uc5d0\uc11c X-ray \uac00\uaca9\uc740 $100 \uc774\ubbc0\ub85c \ubcf4\ud5d8\uc774 \uc5c6\ub294 \ud658\uc790\ub294 $100 \uc744 \uace0\uc2a4\ub780\ud788 \ubd80\ub2f4\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \ub9cc\uc57d \uc774 \ud658\uc790\uc758 \ubcf4\ud5d8\uc774 80%\ub97c \uc9c0\ubd88\ud55c\ub2e4\uace0 \ud569\uc2dc\ub2e4. \uadf8\ub807\ub2e4\uba74 \uc774 \ud658\uc790\ub294 \uadf8 \ub098\uba38\uc9c0 20%\uc778 $20 \ub97c \ubd80\ub2f4\ud574\uc57c \ud560\uae4c\uc694? \uc815\ub2f5\uc740 $20 \ubcf4\ub2e4 \ub354 \uc801\uc740 \uae08\uc561\uc785\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74 \uc774 \ubcd1\uc6d0\uc740 \uadf8 \ubcf4\ud5d8\uc0ac\uc640 X-ray \uc5d0 \ub300\ud574\uc11c $100 \uac00 \uc544\ub2cc $60 \uc73c\ub85c \uae4e\uc544\uc8fc\uae30\ub85c \ud588\uac70\ub4e0\uc694. \uc774 \uae08\uc561\uc774 \ubc14\ub85c negotiated fee \uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \ubcd1\uc6d0\uc740 \ubcf4\ud5d8\uc0ac\uc5d0 $100 \uc744 \uccad\uad6c\ud558\ub418 \uc774\uac74 $60 \uc73c\ub85c \uae4e\uc544\uc8fc\ubbc0\ub85c \ubcf4\ud5d8\uc0ac\ub294 \uc57d\uc815\uc5d0 \uc758\ud574 80%\uc778 $48 \uc744 \ub0b4\uc8fc\uace0 \ud658\uc790\ub294 $12 \ub9cc \ub0b4\uba74 \ub429\ub2c8\ub2e4. \uc774\ub7ec\uba74 \ubcf4\ud5d8\uc0ac\ub3c4 \ubcf4\ud5d8\uae08 \ubd80\ub2f4\uc774 \uc801\uc5b4\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uc774\ub4dd\uc774\uace0 \ud658\uc790\ub3c4 \ub369\ub2ec\uc544 \uc774\ub4dd\uc744 \ubcf4\uac8c \ub418\uc8e0. \uc0ac\uc2e4 \ubcd1\uc6d0\ub3c4 \uc774\ub4dd\uc785\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \ud560\uc778\uc744 \ud574\uc8fc\uba74\uc11c \ubcf4\ud5d8\uc0ac\uc640 \uacc4\uc57d\uc744 \ub9fa\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c \ub354 \ub9ce\uc740 \uc190\ub2d8\uc744 \ub04c\uc5b4\ub4e4\uc77c \uc218 \uc788\uac70\ub4e0\uc694. <\/p>\n
Out-of-network \uc778 \uacbd\uc6b0\uc5d0\ub294 \uc774\ub7f0 negotiation \uc774 \uc5c6\ub294 \uacbd\uc6b0\uac00 \ubcf4\ud1b5\uc785\ub2c8\ub2e4. \uc774\ub7f0 \uc774\uc720\ub85c in-network \uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc774 \ud6e8\uc52c \ub354 \uc720\ub9ac\ud569\ub2c8\ub2e4. <\/p>\n
5) Deductible
\n\uc774\uac83\uc740 \ud658\uc790\uac00 \u2018\uc77c\ubc29\uc801\uc73c\ub85c\u2019 \ubd80\ub2f4\ud574\uc57c \ud560 \ucd5c\ucd08\uc758 \uae08\uc561\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc124\uba85\ud558\ub294 \uac83\uc774 \ud3b8\ud558\uaca0\ub124\uc694. \uc5b4\ub5a4 \ud658\uc790\uc758 \ubcf4\ud5d8\uc5d0\uc11c deductible \uc774 $1000 \uc774\ub77c\uace0 \ud569\uc2dc\ub2e4. (\uc2e4\uc81c\ub85c deductible $1000 \uc9dc\ub9ac\ub294 \uc88b\uc740 \ubcf4\ud5d8 \ucd95\uc5d0 \uc18d\ud569\ub2c8\ub2e4.) \uc774 \ud658\uc790\uac00 \uc704\uc5fc\uc5d0 \uac78\ub824\uc11c \ubcd1\uc6d0\uc5d0 \uc5ec\ub7ec \ubc88 \uac14\ub294\ub370 \ucd1d \ube44\uc6a9\uc774 $2000\uc774 \ub098\uc654\uc2b5\ub2c8\ub2e4. \ubb3c\ub860 \ud56d\ubaa9\ub9c8\ub2e4 \ud61c\ud0dd\uc774 \uac01\uac01\uc774\ub77c\uc11c \uacc4\uc0b0\ud558\uae30 \uc27d\uc9c0 \uc54a\uc9c0\ub9cc \ub2e8\uc21c\ud558\uac8c \uadf8 \ubcf4\ud5d8\uc740 80%\ub97c \ucee4\ubc84\ud574\uc900\ub2e4\uace0 \ud569\uc2dc\ub2e4. \ub2e8, \uc870\uac74\uc774 \u2018after deductible\u2019 \uc785\ub2c8\ub2e4. \uadf8\ub807\ub2e4\uba74 \ud658\uc790\ub294 (negotiated fee \ub97c \ubb34\uc2dc\ud55c\ub2e4\uba74) \ub098\uba38\uc9c0 20% \uc778 $400 \ub9cc \ub0b4\uba74 \ub420\uae4c\uc694? \uc815\ub2f5\uc740 $400 \uc774 \uc544\ub2cc $1200 \uc785\ub2c8\ub2e4. \uc65c\ub0d0\ud558\uba74, $2000 \uc911 \ucd5c\ucd08 $1000 \uc740 deductible \ub85c\uc11c \ud658\uc790\uac00 \uc77c\ubc29\uc801\uc73c\ub85c \ub0b4\uc57c \ud560 \uae08\uc561\uc774\uace0 \uadf8 \ub098\uba38\uc9c0 $1000 \uc5d0 \ub300\ud574\uc11c \ubcf4\ud5d8\uc0ac\uac00 80%\ub97c \ubd80\ub2f4\ud574\uc8fc\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c deductible \uc774 \uc801\uc744\uc218\ub85d \ud658\uc790\uc5d0\uac8c\ub294 \uc720\ub9ac\ud558\uace0 \uacb0\uad6d \ubcf4\ud5d8\ub8cc\uac00 \ube44\uc2f8\uc9d1\ub2c8\ub2e4. \uc88b\uace0 (\ube44\uc2fc) \ubcf4\ud5d8\uc758 \uacbd\uc6b0 deductible \uc774 \uc544\uc608 \uc5c6\uac70\ub098 $50 \uc815\ub3c4\ub85c \uc544\uc8fc \uc801\uc2b5\ub2c8\ub2e4. <\/p>\n
Deductible \uc740 \ubcf4\ud1b5 calendar year \ub2e8\uc704\ub85c \uc801\uc6a9\ub418\uc5b4 \uc0c8\ub85c\uc6b4 calendar year \uac00 \ub418\uba74 reset \ub418\uace0 \uadf8 \ud574 \ub3d9\uc548 \uc790\uc2e0\uc774 deductible \ub0b4\uc5d0\uc11c \ubd80\ub2f4\ud55c \uae08\uc561\uc774 \ub204\uc801\ub429\ub2c8\ub2e4. \u2018after deductible\u2019\uc774\ub780 \uc774 \ub204\uc801\ub41c \uae08\uc561\uc774 \uadf8 \ud574\uc758 deductible \uc744 \ucd08\uacfc\ud588\uc744 \ub54c\uac00 \ub418\ub294 \uac83\uc785\ub2c8\ub2e4. <\/p>\n
\uadf8\ub807\ub2e4\uba74, $1000 \uc9dc\ub9ac deductible \uc758 \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\ub294 \ud658\uc790\uac00 $800 \uc9dc\ub9ac \uc11c\ube44\uc2a4\ub97c \ubc1b\uc558\uc744 \ub54c \uc774\uac74 \uc544\ubb34\ub7f0 \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\uc9c0 \uc54a\uc740 \uacbd\uc6b0\ub3c4 \uac19\uc744\uae4c\uc694? \uc815\ub2f5\uc740 \u2018\uadf8\ub807\uc9c0 \uc54a\uace0 \uc5ec\uc804\ud788 \uc774\ub4dd\uc774\ub2e4\u2019\uc785\ub2c8\ub2e4. \uc774\uac74 \uc55e\uc5d0\uc11c \ub9d0\uc500\ub4dc\ub9b0 negotiated fee \uac00 \uc801\uc6a9\ub418\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. Deductible \ub0b4\uc5d0\uc11c\ub294 \ubcf4\ud5d8\uc0ac\uc758 \ubd80\ub2f4 \uc5c6\uc774 \ud658\uc790\uac00 \uc804\uc561 \uc9c0\ubd88\ud558\uae30\ub294 \ud558\uc9c0\ub9cc \ubcf4\ud5d8\uc0ac\uc758 \uc785\uc7a5\uc5d0\uc11c\ub3c4 \ud658\uc790\uac00 \ub9ce\uc740 \ub3c8\uc744 \ub0b4\uae30\ub97c \uc6d0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcd1\uc6d0\uc774 \uae08\uc561\uc744 \ub9ce\uc774 \uccad\uad6c\ud574\uc11c \ud658\uc790\uac00 \ub3c8\uc744 \ub9ce\uc774 \ub0bc\uc218\ub85d \uadf8\ub9cc\ud07c deductible \uc5d0 \uac00\uae4c\uc6cc\uc838 \uc704\ud5d8\ubd80\ub2f4\uc774 \ub298\uc5b4\ub098\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub530\ub77c\uc11c \uc774 \uacbd\uc6b0\uc5d0\ub3c4 \ubcd1\uc6d0\ube44\ub294 negotiated fee \ub85c \uc801\uc6a9 \ubc1b\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub2c8\uae4c \uc544\ubb34\ub9ac deductible \uc774 \ub192\uc544 \ud658\uc790\uac00 \ubaa8\ub450 \ubd80\ub2f4\ud558\uc5ec\uc57c \ub418\ub294 \uc0c1\ud669\uc774\ub354\ub77c\ub3c4 \ubcd1\uc6d0\ube44\ub294 \uc6d0\ub798 \uac00\uaca9\uc774 \uc544\ub2c8\ub77c negotiated fee \ub9cc \ub0b4\uba74 \ub429\ub2c8\ub2e4. \uc774\uac8c \ubcf4\ud1b5 \uc6d0\ub798 \uac00\uaca9\uc758 60% – 70% \uc815\ub3c4 \ub418\ub2c8 \uc5b4\ub9bc\uc7a1\uc544 30% \ub294 \uc774\ub4dd\uc744 \ubcf4\ub294 \uc148\uc774\uc9c0\uc694. <\/p>\n
Deductible \uc740 \uc9c8\ubcd1\uc774\ub098 \ucc98\uce58\uc5d0 \uc0c1\uad00\uc5c6\uc774 \uc77c\ub144 \ub3d9\uc548\uc758 \ucd5c\ucd08 \ud658\uc790 \ubd80\ub2f4\uc561\uc73c\ub85c \uc815\ud574\uc9c0\ub294 \uac83\uc774 \ubcf4\ud1b5\uc774\uc9c0\ub9cc(\uc774\ub97c \ubcf4\ud1b5 annual deductible \uc774\ub77c\uace0 \ud569\ub2c8\ub2e4), \uc5b4\ub5a4 \uacbd\uc6b0\uc5d0\ub294 \ud2b9\uc815 \uc9c8\ubcd1\uc774\ub098 \ucc98\uce58\uc5d0 \uac01\uac01 \uc801\uc6a9\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc2dc \ub9d0\ud574, \uc704\uc5fc\uce58\ub8cc\ub85c \ub0b8 \uae08\uc561\uc774 deductible \uc744 \ub118\uc5c8\ub354\ub77c\ub3c4 \uc815\ud615\uc678\uacfc \uce58\ub8cc\ub97c \ubc1b\uc73c\uba74 \uc0c8\ub85c\uc6b4 deductible \uc774 \uc801\uc6a9\ub418\uc5b4 \ub610 \ub2e4\uc2dc \uadf8\ub9cc\ud07c \ub610 \ubd80\ub2f4\ud574\uc57c \ud55c\ub2e4\ub294 \uc774\uc57c\uae30\uc774\uc9c0\uc694. \uc774\ub7f0 \uacbd\uc6b0\uc5d4 \ubcf4\ud5d8\uae08\uc774 \uc2f8\uc9c0\uae34 \ud574\ub3c4 \ud658\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uac83\uc740 \uc544\ub2c8\ubbc0\ub85c \uc8fc\uc758\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n
7) Office visit
\n\uc774\uac74 \uc758\uc0ac\ub97c \ud55c\ubc88 \ubcf4\uace0 \uac80\uc9c4\uc744 \ubc1b\ub294 \uac83\uc744 \ub9d0\ud569\ub2c8\ub2e4. \u2018\uac10\uae30\uc5d0 \uac78\ub824 \ubcd1\uc6d0\uc5d0\uc11c \uac80\uc9c4\uc744 \ubc1b\uc558\ub2e4.\u2019 \uc774\uac74 \ud55c\ubc88\uc758 office visit \uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \ub9cc\uc57d \uc8fc\uc0ac\ub97c \ud55c\ubc88 \ub9de\uc558\uac70\ub098 X-ray \ub97c \ucc0d\ub294 \ub4f1\uc758 \uce58\ub8cc\ud589\uc704\ub098 \ubcc4\ub3c4\uc758 \uac80\uc9c4\uc740 office visit \uacfc\ub294 \ubcc4\ub3c4\ub85c \uccad\uad6c\uac00 \ub429\ub2c8\ub2e4. \ub9cc\uc57d follow up (\uc608\ub97c \ub4e4\uc5b4 \ucd94\uac00 \uce58\ub8cc\ucc28)\uc73c\ub85c \uc774\ud2c0 \ub4a4\uc5d0 \ub610 \ubcd1\uc6d0\uc5d0 \uac14\ub2e4\uace0 \ud558\uba74 \ub610 \ubcc4\ub3c4\uc758 office visit \uc73c\ub85c \uccad\uad6c\ub429\ub2c8\ub2e4. (\ubcf4\ud1b5 \uc774 \uacbd\uc6b0\uc5d4 \uccab\ubc88\uc9f8\ubcf4\ub2e4\ub294 \uc880 \uc309\ub2c8\ub2e4.) <\/p>\n
6) Copay, Coinsurance
\nCopay \ub294 \ubcf4\ud1b5 \u2018\uc77c\uc815\uc561\u2019\uc73c\ub85c \uc815\ud574\uc838 \uc788\ub294\ub370 \uc774\uac74 \ubcf4\ud1b5 \ubcd1\uc6d0\uc5d0 \uac14\uc744 \ub54c \uadf8\ub0a0 \ubc14\ub85c \ub0b4\uc57c\ud558\ub294 \uae08\uc561\uc785\ub2c8\ub2e4. Preventive care (\uc608\ub97c \ub4e4\uba74 \uc815\uae30 \uac80\uc9c4)\uc5d0 copay $10 \ub77c\uace0 \ud558\uba74 \uc774 \uce58\ub8cc\uc5d0 \ub300\ud574\uc11c\ub294 \uadf8\ub0a0 $10 \ub9cc \ub0b4\uba74 \ub41c\ub2e4\ub294 \uac83\uc774\uc8e0. (\ubb3c\ub860 \uadf8\ub0a0\uc758 visit \uc5d0\uc11c \ucd94\uac00\ub85c \uac80\uc0ac\ub098 \ucc98\uce58\ub97c \ud588\ub2e4\uba74 \uc774\uac74 \ubcc4\ub3c4\uc758 coinsurance \ub97c \uc801\uc6a9\ubc1b\uc2b5\ub2c8\ub2e4.)
\nCoinsurance \ub294 \ubcf8\uc778\uc774 \ubd80\ub2f4\ud574\uc57c \ud560 \u2018\uc77c\uc815 \ube44\uc728\u2019\uc785\ub2c8\ub2e4. Coinsurance 20%\ub77c\uba74 \ud658\uc790 \ubd80\ub2f4\uae08\uc740 negotiated fee \uc758 20% \uc778 \uac83\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub2c8\uae4c copay \uc640 coinsurance \uac00 \ub0ae\uc744\uc218\ub85d \ubcf4\ud5d8\uc774 \uc88b\uace0 \ub3d9\uc2dc\uc5d0 \ube44\uc2f8\uc9d1\ub2c8\ub2e4. <\/p>\n
7) out-of-pocket maximum
\n\uac1c\uc778\uc801\uc73c\ub85c \uc774\uac8c \ubbf8\uad6d \uc0ac\ubcf4\ud5d8\uc5d0\uc11c \uac00\uc7a5 \ub9c8\uc74c\uc5d0 \ub4dc\ub294 \ubd80\ubd84\uc785\ub2c8\ub2e4. \uc774\uac74 \ud55c calendar year \ub3d9\uc548 \ubcf4\ud5d8\uc5d0 \uc758\ud574 \ucee4\ubc84\ub418\ub294 \ud56d\ubaa9\uc5d0 \ub300\ud574\uc11c \ud658\uc790\uac00 \ubd80\ub2f4\ud558\ub294 \ucd5c\ub300 \uae08\uc561\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc5b4\ub5a4 \uc0ac\ub78c\uc758 \ubcf4\ud5d8\uc774 out-of-pocket max \uc73c\ub85c $3000 \uc774\ub77c\uace0 \ud558\uc8e0. \uadf8\ub7f0\ub370 \uc774 \uc0ac\ub78c\uc774 \uc554\uc5d0 \uac78\ub824\uc11c 1\uc6d4 1\uc77c\uc5d0 \ubcd1\uc6d0\uc5d0 \uc785\uc6d0\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc0ac\ub78c\uc774 \uc5b4\ub5a4 \uace0\uac00\uc758 \uc2dc\uc220\uc744 \ubc1b\uc558\ub2e4\uace0 \ud574\ub3c4 \uadf8 \uc2dc\uc220\ub4e4\uc774 \ubcf4\ud5d8\uc5d0 \ucee4\ubc84\ub418\ub294 \ud56d\ubaa9\uc774\ub77c\uba74 \uadf8 \ud574\uc758 12\uc6d4 31\uc77c\uae4c\uc9c0 deductible \ud3ec\ud568\ud558\uc5ec \uadf8 \ud658\uc790\uc758 \u2018\uc8fc\uba38\ub2c8\uc5d0\uc11c \ub098\uc624\ub294\u2019 \uae08\uc561\uc740 \ucd5c\ub300 $3000 \ub9cc \ub0b4\uba74 \ub418\uace0 \uadf8 \uc774\ud6c4\uc5d0\ub294 \uc5bc\ub9c8\uac00 \ub418\uc5c8\ub4e0 \ubaa8\ub450 \ubcf4\ud5d8\uc0ac\uac00 \ubd80\ub2f4\ud569\ub2c8\ub2e4. \ub2e8, \uc804\uc81c\uac00 \uadf8 \ubcf4\ud5d8\uc5d0 \uc758\ud574 \ucee4\ubc84\ub418\ub294 \ud56d\ubaa9\uc5d0 \ub300\ud574\uc11c\ub9cc \uc785\ub2c8\ub2e4. \ub9cc\uc57d \ubcf4\ud5d8\uc5d0 \uc758\ud574 \ucee4\ubc84\ub418\uc9c0 \uc54a\ub294 \uc2dc\uc220\uc744 \ubc1b\uc558\ub2e4\uace0 \ud558\uba74 \uc774\uac74 out-of-pocket max \uacfc\ub294 \ubcc4\ub3c4\ub85c \ud658\uc790\uac00 100% \ubd80\ub2f4\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2f9\uc5f0\ud788 out-of-pocket max \uc774 \ub0ae\uc744\uc218\ub85d \uc88b\uace0 \ubcf4\ud5d8\ub8cc\ub3c4 \ube44\uc2f8\uc9d1\ub2c8\ub2e4. <\/p>\n
\ubbf8\uad6d \ubcf4\ud5d8\uc740 \uac10\uae30\uce58\ub8cc \uac19\uc740 \uc791\uc740 \ubcd1\uc5d0 \ub300\ud574\uc11c\ub294 \ubcc4\ub85c \ud070 \ud61c\ud0dd\uc744 \ubabb \ubcf4\uc9c0\ub9cc, \uc218 \ub9cc\ubd88\uc774 \ub4dc\ub294 \uc911\ud55c \ubcd1\uc758 \uacbd\uc6b0\uc5d0 \uadf8 \uc704\ub825\uc744 \ubc1c\ud718\ud558\ub294\ub370 \uc774\uac8c out-of-pocket max \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc5b4\ub5bb\uac8c \ubcf4\uba74 \uc6b0\ub9ac\ub098\ub77c \ubcf4\ud5d8\uc740 \uadf8 \ubc18\ub300\uc774\uc9c0\uc694. \uac10\uae30\uce58\ub8cc\ub294 3\ucc9c\uc6d0\uc774\uba74 \ub418\uc9c0\ub9cc \uc815\uc791 \uc911\uc694\ud55c \uc554\uc758 \uacbd\uc6b0\uc5d0\ub294 \ud658\uc790\uc758 \ubd80\ub2f4\uc774 \uc5c4\uccad\ub0a9\ub2c8\ub2e4. <\/p>\n
8) Well baby care, maternity care \ub4f1\ub4f1
\n\uc2f1\uae00 \ub0a8\uc790\ub4e4\uc740 \uc0c1\uad00\uc5c6\uaca0\uc9c0\ub9cc \uc784\uc2e0 \uac00\ub2a5\ud55c \uc5ec\uc131\ubd84\uc774\ub098 \uc544\uc774\uac00 \uc788\ub294 \uac00\uc815\uc5d0\uc11c\ub294 well baby care \uc640 maternity care \uc5d0\ub3c4 \uad00\uc2ec\uc744 \uac00\uc9c0\uc154\uc57c \ud569\ub2c8\ub2e4. \ubcf4\ud1b5 \uc774\ub7f0 \ud56d\ubaa9\ub4e4\uc740 \ubcf4\ud5d8\uc758 deductible \uc774\ub098 coinsurance \uc640 \ubcc4\ub3c4\ub85c \ub354 \uc88b\uc740 \ud61c\ud0dd\uc744 \uc90d\ub2c8\ub2e4. \uc5b4\ub9b0 \uc544\uc774\uc758 \uacbd\uc6b0\uc5d4 \uc815\uae30\uc801\uc778 \uc608\ubc29\uc811\uc885\uacfc preventive care \uac00 \ud544\uc694\ud558\ubbc0\ub85c \ubcd1\uc6d0\uc5d0 \uc815\uae30\uc801\uc73c\ub85c \uc790\uc8fc \uac00\uc57c\ud569\ub2c8\ub2e4. Well baby care \ub294 \uc774\ub7f0 \uacbd\uc6b0\ub97c \uc704\ud574\uc11c \ub354 \ub0ae\uc740 copay \uc640 coinsurance \ub97c \uc801\uc6a9\ud574\uc8fc\uace0 deductible\ub3c4 waived \ud574\uc90d\ub2c8\ub2e4. \uc774\ub7f0 well baby care \uac00 \uac00\ub2a5\ud558\uba74 \ubcf4\ud5d8\ub8cc\uac00 \uc880 \ube44\uc2f8\uc9c0\uc9c0\ub9cc \uc544\uc774\uac00 \uc788\ub294 \uc9d1\uc5d0\uc11c\ub294 \uaf2d \ud544\uc694\ud55c \ud56d\ubaa9\uc785\ub2c8\ub2e4. <\/p>\n
Maternity care \ub294 \uc784\uc2e0 \ud6c4\ubd80\ud130 \ucd9c\uc0b0 \uc804\uae4c\uc9c0\uc758 prenatal care \uc640 \ucd9c\uc0b0 \ud6c4\uc758 postpartum \uc744 \ubaa8\ub450 \ud3ec\ud568\ud558\ub294 \uac1c\ub150\uc785\ub2c8\ub2e4. \uc774 \uacbd\uc6b0\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubcd1\uc6d0\uc5d0 \uc815\uae30\uc801\uc73c\ub85c \uac00\uc57c \ud558\ubbc0\ub85c \uc704\uc758 well baby care \ucc98\ub7fc \ubcc4\ub3c4\uc758 \ud61c\ud0dd\uc744 \uc801\uc6a9\ud558\uac8c \ub429\ub2c8\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc774 \uc11c\ube44\uc2a4\uac00 \ubcf4\ud5d8\uc5d0 \ud3ec\ud568\ub418\uc5b4 \uc788\uc73c\uba74 \ube44\uc2f8\uc9c0\uc9c0\ub9cc \uc784\uc2e0 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uc5ec\uc131\uc5d0 \ub300\ud574\uc11c\ub294 \uaf2d \ud544\uc694\ud569\ub2c8\ub2e4. (\uc544\uc774\ub4e4 \ub450 \uba85 \ub0b3\uc544\ubd10\uc11c \uc544\ub294\ub370 prenatal care \ub9cc\uc744 \uc704\ud574\uc11c \uc5f4 \ubc88 \uc774\uc0c1\uc758 office visit \uacfc \uc218\ub9ce\uc740 \uac80\uc0ac\uac00 \ud544\uc694\ud55c\ub370 maternity care \ud56d\ubaa9\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc558\ub2e4\uba74 \uc5c4\uccad\ub09c \ub3c8\uc774 \ub4e4\uc5c8\uc744 \uac81\ub2c8\ub2e4.) <\/p>\n
9) Emergency care \uc640 Urgent care
\n\uc790\uce6b \uc798\ubabb \uc0dd\uac01\ud558\uba74 emergency care \uc640 urgent care \ub97c \ud63c\ub3d9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4\ub9cc, emergency care \ub294 \uc0dd\uba85\uc5d0 \uc9c0\uc7a5\uc744 \uc904 \uc218 \uc788\ub294 life-threatening condition \ub9cc \ud574\ub2f9\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc2ec\uc7a5 \ub9c8\ube44\ub77c\ub4e0\uc9c0 \uad50\ud1b5 \uc0ac\uace0\ub77c\ub4e0\uc9c0 \ud558\ub294 \uac83\ub4e4\uc774\uc8e0. \ubc18\uba74 urgent care \ub294 \u2018\ubc14\ub85c \uce58\ub8cc\uac00 \ud544\uc694\ud55c\u2019 \uacbd\uc6b0\ub97c \ub9d0\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud5c8\ub9ac\uac00 \uc090\ub057\ud588\ub2e4\uba74 \uc5bc\ub978 \uce58\ub8cc\uac00 \ud544\uc694\ud55c \uacbd\uc6b0\uc9c0\ub9cc \uc751\uae09\uc2e4(ER)\uc5d0 \uac08 \ub9cc\ud55c \uc77c\uc740 \uc544\ub2c8\uc8e0. \uc774\ub7f0 \uacbd\uc6b0\uc5d4 urgent care \ub97c \uc801\uc6a9\ubc1b\uc2b5\ub2c8\ub2e4. Emergency care \uc640 urgent care \ub294 \ud61c\ud0dd\uc5d0 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n
10) \ubb3c\ub9ac\uce58\ub8cc (Physical therapy, chiropractic care)
\n\ubcf4\ud1b5 \uc774\uac74 \uc758\uc0ac\uc758 referral \uc744 \ud544\uc694\ub85c \ud558\ub294\ub370 \uc77c\ubc18\uc801\uc73c\ub85c \uc77c\ub144\uc5d0 \ubc1b\uc744 \uc218 \uc788\ub294 \ud69f\uc218\uac00 \uc815\ud574\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uac78 \ub118\uc5b4\uc11c\uba74 \ubcf4\ud5d8\uc774 \ucee4\ubc84\ud574\uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. <\/p>\n
11) Birth control
\n\uc784\uc2e0\uc740 \uc815\uae30\uc801\uc73c\ub85c \ubcd1\uc6d0\uc5d0 \uac00\uc57c\ud558\uace0 \uc785\uc6d0\uacfc \uc2dc\uc220\uc5d0 \ub9ce\uc740 \ub3c8\uc774 \ud655\uc2e4\uc774 \ub4dc\ub294 \uac83\uc785\ub2c8\ub2e4. \ud658\uc790\ub3c4 \ubd80\ub2f4\uc774\uc9c0\ub9cc \ubcf4\ud5d8\uc0ac\ub85c\uc11c\ub294 \ub354 \ud070 \ubd80\ub2f4\uc774\uc8e0. \ub530\ub77c\uc11c \uc2fc \ubcf4\ud5d8\uc5d0\uc11c\ub294 \uc544\uc608 \uc784\uc2e0\uc73c\ub85c \uc778\ud55c \ubcd1\uc6d0\ube44\ub294 \ucee4\ubc84\ud574\uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. (\uac70\uafb8\ub85c \uc774 \ub54c\ubb38\uc5d0 \uac00\uc784\uae30\uc758 \uc5ec\uc131\uc740 \uac19\uc740 \uc5f0\ub839\uc758 \ub0a8\uc131\uc5d0 \ube44\ud574\uc11c \ubcf4\ud5d8\ub8cc\uac00 \ube44\uc309\ub2c8\ub2e4.)
\n\ud53c\uc784\uc744 \ud558\uba74 \uc784\uc2e0\uc5d0 \ub530\ub978 \ube44\uc6a9\uc9c0\ubd88 \ud655\ub960\uc774 \uc0ac\ub77c\uc9c0\uae30 \ub54c\ubb38\uc5d0 \ubcf4\ud5d8\uc0ac\ub85c\uc11c\ub294 \uc774\ub4dd\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \ub9ce\uc740 \ubcf4\ud5d8\uc774 birth control \uc740 \ud06c\uac8c \ucee4\ubc84\ub97c \ud574\uc90d\ub2c8\ub2e4. \uc5ec\uc131\uc5d0 \ub300\ud55c \ud53c\uc784\uc7a5\uce58\uc778 IUD \uc758 \uacbd\uc6b0\uc5d4 \ubcf4\ud1b5 \uac70\uc758 \uc804\uc561 \ubd80\ub2f4\ud574\uc90d\ub2c8\ub2e4. \ubc18\ub300\ub85c \ub2e4\uc2dc \uc784\uc2e0\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc8fc\ub294 \uc2dc\uc220\uc740 \ubcc4\ub85c \ucee4\ubc84\ud574\uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc815\uad00 \ubcf5\uc6d0\uc220 \uac19\uc740 \uacbd\uc6b0\uc8e0. \ubcf4\ud5d8\uc5d0 \ub530\ub77c\uc11c\ub294 \ud53c\uc784\uc5d0 \uad00\ud55c \uac15\uc88c\uc758 \uc77c\ubd80\ub97c \ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ubd80\ub2f4\ud574\uc8fc\uae30\ub3c4 \ud569\ub2c8\ub2e4. <\/p>\n
12) \ubbf8\uad6d\uc678\uc5d0\uc11c\uc758 \uce58\ub8cc
\n\uc5b4\ub5a4 \ubcf4\ud5d8\uc740 \ubbf8\uad6d\uc678\uc5d0\uc11c\ub3c4 \ubcf4\ud5d8\uc744 \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8, \ud61c\ud0dd\uc740 out-of-network \uc5d0 \ud574\ub2f9\ub429\ub2c8\ub2e4. <\/p>\n
13) Dental, vision
\n\uc77c\ubc18\uc801\uc73c\ub85c medical insurance \ub294 dental \uacfc vision \uc744 \ud3ec\ud568\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2e4\uc2dc \ub9d0\ud574\uc11c dental \uacfc vision \uc740 \ub530\ub85c \uc0ac\uc57c \ud55c\ub2e4\ub294 \ub9d0\uc774\uc8e0. <\/p>\n
14) \uae30\uc655\uc99d
\n\uc77c\ubc18\uc801\uc778 \uacbd\uc6b0, \ubcf4\ud5d8\uc740 \ubcf4\ud5d8\uc744 \uc0ac\uae30\uc804\uc5d0 \uac00\uc9c0\uace0 \uc788\ub358 \ubd80\uc0c1, \ubcd1\uc774\ub098 \uc7a5\uc560\uc5d0 \ub300\ud574\uc11c\ub294 \ucee4\ubc84\ud574\uc8fc\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub610\ud55c \ubcf4\ud5d8\uc744 \uc0ac\uae30 \uc804\uc5d0 \uc784\uc2e0\uc744 \ud55c \uacbd\uc6b0\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. <\/p>\n
\uc0ac\uc2e4 \ubd80\uc0c1\uc774\ub098 \uc7a5\uc560, \uc784\uc2e0\uc758 \uacbd\uc6b0\uc5d4 \ud310\ub2e8\uc774 \uc6a9\uc774\ud558\uc9c0\ub9cc \ubcd1\uc758 \uacbd\uc6b0\uc5d4 \uc774\uac83\uc774 \ubcf4\ud5d8\uc744 \uc0ac\uae30 \uc804\uc5d0 \uac00\uc9c0\uace0 \uc788\ub358 \uac83\uc778\uc9c0 \uc544\ub2cc\uc9c0\ub97c \ud310\ub2e8\ud558\uae30\uac00 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcf4\ud1b5, \ubcf4\ud5d8\uc0ac\uc5d0 \ud074\ub808\uc784\uc774 \ub4e4\uc5b4\uc624\uba74 reviewer \ub4e4\uc774 \uc2ec\uc0ac\ub97c \ud574\uc11c \ubcf4\ud5d8\uc0ac \ubd80\ub2f4\uae08\uc744 \uacb0\uc815\ud569\ub2c8\ub2e4. \uadf8\ub7f0\ub370 \ubcf4\ud5d8\uc744 \uc0b0\uc9c0 \uc5bc\ub9c8 \uc548\ub418\ub294 \uc0ac\ub78c\uc758 \uacbd\uc6b0\uc5d4 \uc2ec\uc0ac\ub97c \uc880 \ub354 \ucca0\uc800\ud788 \ud55c\ub2e4\uace0 \ud558\ub294\ub370, \uc774\uac8c \ubc14\ub85c \uae30\uc655\uc99d\uc758 \uc5ec\ubd80\ub97c \ud310\ub2e8\ud558\uae30 \uc704\ud55c \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788 \ubcf4\ud5d8\uc744 \uc0ac\uace0 6\uac1c\uc6d4\ub3d9\uc548\uc5d4 \uc544\uc8fc \uc2e0\uc911\ud558\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ub9cc\uc57d \uadf8 \ubcd1\uc774 \ubcf4\ud5d8\uc744 \uc0ac\uae30 \uc804\uc758 \uac83\uc774\ub77c\uace0 \ud310\ub2e8\ud55c\ub2e4\uba74 \ubcf4\ud5d8\ub8cc \uc9c0\ubd88\uc744 \uac70\ubd80\ud569\ub2c8\ub2e4. \ud658\uc790\uc758 \uc785\uc7a5\uc5d0\uc11c\ub294 \uc774\ub7f0 \uacbd\uc6b0 \uadf8 \ubcd1\uc774 \ubcf4\ud5d8\uc744 \uc0b0 \ud6c4\uc5d0 \ubc1c\ubcd1\ud55c \uac83\uc774\ub77c\ub294 \uac83\uc744 \ubc1d\ud600\uc57c \ud558\ub294\ub370 \uc758\uc0ac\uac00 \ub3c4\uc640\uc8fc\uc9c0 \uc54a\uc73c\uba74 \ud798\ub4ed\ub2c8\ub2e4. (\uac1c\uc778\uc801\uc73c\ub85c \uc57d\uac04\uc758 \ubaa9 \ub514\uc2a4\ud06c\uac00 \uc788\uc5c8\ub294\ub370 \uadf8 \ud6c4\uc5d0 \ud55c\ubc88 \ubcf4\ud5d8\uc744 \ubc14\uafe8\uc2b5\ub2c8\ub2e4. \uadf8\ub54c \ubaa9\uc774 \uc880 \ub9ce\uc774 \uc544\ud30c\uc11c \ubcd1\uc6d0\uc5d0 \uac00\uc11c MRI \uae4c\uc9c0 \ucc0d\uc5c8\uc8e0. \ub2f9\uc5f0\ud788 \ubcf4\ud5d8\uc73c\ub85c \ucee4\ubc84 \uc548\ub418\ub9ac\ub77c\uace0 \uccb4\ub150\ud588\ub294\ub370 \uc758\uc0ac\uac00 \uc18c\uacac\uc11c\uc5d0 \uc800\uc5d0\uac8c \uc720\ub9ac\ud558\uac8c \uc801\uc5b4\uc918\uc11c \ucee4\ubc84\ub97c \ubc1b\uc740 \uc801\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub2f9\uc2dc \uc81c\uac00 \uadf8 \uc804\uc5d0 \ubaa9 \ub54c\ubb38\uc5d0 \ubcd1\uc6d0\uc5d0 \uac04 \uc801\uc774 \uc5c6\uc5c8\uae30 \ub54c\ubb38\uc5d0 \uac00\ub2a5\ud588\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc774\uc804\uc5d0 \ubaa9 \ub514\uc2a4\ud06c \uce58\ub8cc\ub97c \ubc1b\uc558\ub354\ub77c\uba74 \uc758\uc0ac\uac00 \uc7ac\ub7c9\uc73c\ub85c \uc720\ub4e4\uc774\ub97c \ubc1c\ud718\ud574\uc8fc\uae30 \ud798\ub4e4\uc5c8\uc744 \uac81\ub2c8\ub2e4.) <\/p>\n
\ubcf4\ud5d8\uc744 \uac00\uc785\ud558\uae30 \uc804\uc5d0 \ud56d\uc0c1 \uac1c\uc778\uc758 \uac74\uac15 \uc0c1\ud0dc\ub97c \uccb4\ud06c\ud558\uae30 \uc704\ud55c \uc591\uc2dd\uc744 \uc791\uc131\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub54c \ubcf8\uc778\uc774 \uac00\uc9c0\uace0 \uc788\ub294 \uc9c8\ubcd1\uc5d0 \ub300\ud574\uc11c \uc0ac\uc2e4\ub300\ub85c \ubc1d\ud600\uc904 \uac83\uc740 \uc694\uad6c\ubc1b\uc2b5\ub2c8\ub2e4. \ub9cc\uc57d \uc774\ub54c \ubcf8\uc778\uc758 \uc9c0\ubcd1\uc744 \uc228\uacbc\ub2e4\uba74 \ub098\uc911\uc5d0 \ubcf4\ud5d8 \ud61c\ud0dd\uc744 \ubc15\ud0c8\ub2f9 \ud560 \uc218 \uc788\uc73c\ub2c8 \uc8fc\uc758\ud558\uc154\uc57c \ud569\ub2c8\ub2e4. <\/p>\n
\uc784\uc2e0\uc744 \ud55c \ud6c4\uc5d0\ub294 \ubcf4\ud5d8\uc744 \uc0ac\ub294 \uac83\uc774 \uac70\uc758 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4. \ub2f9\uc5f0\ud788 \ubcf4\ud5d8\uc0ac\ub85c\uc11c\ub294 \uc190\ud574\uac00 \ud655\uc2e4\ud55c \ucf00\uc774\uc2a4\ub97c \ubc1b\uc9c0 \uc54a\uaca0\uc9c0\uc694. \uc784\uc2e0\uc5d0 \ub300\ud574\uc11c \uc5ec\ub7ec \ubc88 \uc774\uc57c\uae30\ud558\uac8c \ub418\ub294\ub370, \uc774\ub7f0 \uc774\uc720\ub85c \uc784\uc2e0 \uac00\ub2a5\uc131\uc774 \uc788\ub294 \uacbd\uc6b0 \uaf2d \uc784\uc2e0\uc774 \ucee4\ubc84\ub418\ub294 \ubcf4\ud5d8\uc744 \uc0ac\ub193\uc73c\uc138\uc694. AIG \uc5ec\ud589\uc790 \ubcf4\ud5d8\uc740 \uc784\uc2e0 \ucee4\ubc84\uac00 \uc548\ub418\ub2c8 \uc8fc\uc758\ud558\uc154\uc57c \ud569\ub2c8\ub2e4. \uc790\uafb8 \uc784\uc2e0\uc5d0 \ub300\ud55c \uc774\uc57c\uae30\ub97c \ud558\ub294 \uc774\uc720\ub294 \uadf8 \ube44\uc6a9\uc774 \uc5c4\uccad\ub098\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc9c0\uc5ed\uc5d0 \ub530\ub77c \ub2e4\ub97c \uc218 \uc788\uc9c0\ub9cc, \uccab \uc544\uc774\uc758 \uacbd\uc6b0 \ubcf4\uc2a4\ud134\uc5d0\uc11c \ub0b3\uc558\ub294\ub370 prenatal \uc774\ub098 postpartum \ube7c\uace0 \ub2e8\uc21c\ud788 \ucd9c\uc0b0\uc5d0\ub9cc \uc9c0\uae08 \uae30\uc5b5\uc73c\ub85c 1\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc774 \ub098\uc654\ub358 \uac83 \uac19\uc2b5\ub2c8\ub2e4. (3\uc77c \uc785\uc6d0\ube44, \uc2dd\uc0ac\ube44, \ub9c8\ucde8\ube44, \uc2dc\uc220\ube44 \ub4f1\ub4f1) \uc5ec\uae30\uc5d0 prenatal care \uc758 office visit \uacfc \uc5ec\ub7ec\uac00\uc9c0 \uac80\uc0ac\ube44\uc6a9\uc744 \ud569\uce58\uba74 \uc871\ud788 2\ub9cc \ub2ec\ub7ec\uac00 \ub118\uc5c8\uc744 \uac83\uc774\uad6c\uc694. \ub2f9\uc2dc \uc804 \ud559\uad50 \ubcf4\ud5d8\uc744 \uac00\uc9c0\uace0 \uc788\uc5c8\ub294\ub370 \uc774 \ubcf4\ud5d8 \ud61c\ud0dd\uc774 \uc544\uc8fc \uc88b\uc544\uc11c \ub2e4 \ud569\uccd0 $100 \ub0a8\uc9d3 \ub0c8\ub358 \uac78\ub85c \uae30\uc5b5\ud569\ub2c8\ub2e4. <\/p>\n
\uc11c\ubd80\uc758 \uacbd\uc6b0, \ud2b9\ud788 LA \uc758 \ud55c\uc778 \ud0c0\uc6b4 \uac19\uc740 \uacf3\uc5d0\uc11c\ub294 \ubcf4\ud5d8\uc774 \uc5c6\ub294 \uc0ac\ub78c\uc744 \uc704\ud574\uc11c \uc544\uc608 \uc784\uc0b0\ubd80\uc640 \uac00\uaca9\uc744 \uc815\ud574\uc11c prenatal \uc744 \uc2dc\uc791\ud558\ub294 \uacbd\uc6b0\uac00 \uc788\ub2e4\uace0 \ud569\ub2c8\ub2e4. \ub4e4\ub9ac\ub294 \ub9d0\ub85c\ub294 \ucd9c\uc0b0\uae4c\uc9c0 $5000 \uc815\ub3c4\uba74 \ub41c\ub2e4\uace0 \ud558\ub358\ub370\uc694. <\/p>\n
15) \ud559\uad50 \ubcf4\ud5d8\uacfc \uc678\ubd80 \ubcf4\ud5d8
\n\uac00\ub054 \ud559\uad50 \ubcf4\ud5d8\uacfc \uc678\ubd80 \ubcf4\ud5d8 \uc911 \uc5b4\ub5a4 \uac83\uc744 \uc120\ud0dd\ud574\uc57c \ud558\ub294\uc9c0 \uc9c8\ubb38\uc774 \uc62c\ub77c\uc635\ub2c8\ub2e4. \uc774\uac74 \ub0a8\uc774\ubb34\uc5c7\uc744 \uc120\ud0dd\ud558\ub77c\uace0 \uc9c0\uc801\ud574\uc904 \uc218 \uc788\ub294 \ubb38\uc81c\uac00 \uc544\ub2c8\ub77c \uc804\uc801\uc73c\ub85c \uc790\uc2e0\uc758 \uac74\uac15\uc0c1\ud0dc\ub97c \uace0\ub824\ud574\uc11c \uc120\ud0dd\ud574\uc57c \ud558\ub294 \ubb38\uc81c\uc785\ub2c8\ub2e4. \ubcf4\ud1b5 \ud559\uad50 \ubcf4\ud5d8\uc740 \ud61c\ud0dd\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uac8c\ub2e4\uac00 \ubcd1\uc6d0 \uc774\uc6a9\uc774 \ud3b8\ub9ac\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. (\uc0ac\uc2e4 \ube44\uc2f8\uae30\ub294 \ud558\uc9c0\ub9cc \uac19\uc740 \ud61c\ud0dd\uc758 \uc678\ubd80 \ubcf4\ud5d8\uc744 \uc0ac\ub824\uba74 \ub354 \ube44\uc309\ub2c8\ub2e4.) \ub610 \uc5b4\ub5a4 \uacbd\uc6b0\uc5d4 \ubcf4\ud5d8 \uac00\uc785\uc804\uc758 \uac74\uac15\uc0c1\ud0dc\uc5d0 \ub300\ud574\uc11c \uc804\ud600 \ubb38\uc81c \uc0bc\uc9c0 \uc54a\ub3c4 \ud569\ub2c8\ub2e4. (\uc81c \ud559\uad50\uc758 \uacbd\uc6b0 \ubcf4\ud5d8 \uac00\uc785 \uc804\uc5d0 \uc544\ub0b4\uac00 \uc784\uc2e0\ud588\ub294\ub370 \uc804\ud600 \ubb38\uc81c \uc0bc\uc9c0 \uc54a\uace0 \ucee4\ubc84\ud574\uc92c\uc2b5\ub2c8\ub2e4.) <\/p>\n
\ub9cc\uc57d \ubcf8\uc778\uc774 \ubcd1\uc6d0\uc5d0 \uc790\uc8fc \uac00\uc57c \ud558\ub294 \uacbd\uc6b0\ub77c\uba74 \ud559\uad50 \ubcf4\ud5d8\uc774 \uae08\uc804\uc801\uc73c\ub85c \uadf8\ub9ac\uace0 \uc2dc\uac04\uc801\uc73c\ub85c \ud070 \ub3c4\uc6c0\uc774 \ub420 \uac81\ub2c8\ub2e4. \ubc18\uba74 \ud559\uad50 \ubcf4\ud5d8\uc758 \ub192\uc740 \ud61c\ud0dd\uc774 \ud544\uc694\uc5c6\ub2e4\uace0 \uc0dd\uac01\ub418\uba74 \uad73\uc774 \ube44\uc2fc \ub3c8\uc744 \ub4e4\uc77c \ud544\uc694\uac00 \uc5c6\uaca0\uc9c0\uc694<\/p>\n
[\ucd9c\ucc98] \ubbf8\uad6d \uc758\ub8cc\ubcf4\ud5d8\uc5d0 \uad00\ud55c \uc815\ub9ac |\uc791\uc131\uc790 vannews<\/p>\n","protected":false},"excerpt":{"rendered":"
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