{"id":1682,"date":"2012-10-15T10:17:19","date_gmt":"2012-10-15T18:17:19","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1682"},"modified":"2021-10-11T18:14:54","modified_gmt":"2021-10-12T02:14:54","slug":"save-med-cost-surprise","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/save-med-cost-surprise\/","title":{"rendered":"\u75c5\u9662\u304b\u3089\u300c\u3073\u3063\u304f\u308a\u8acb\u6c42\u300d\u3092\u3082\u3089\u308f\u306a\u3044\u3088\u3046\u306b\u3059\u308b"},"content":{"rendered":"

\u30a2\u30e1\u30ea\u30ab\u3067\u624b\u8853\u3092\u53d7\u3051\u305f\u308a\u5165\u9662\u3057\u305f\u65b9\u306a\u3089\u3054\u5b58\u77e5\u3060\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u3072\u3068\u3064\u306e\u624b\u8853\u306a\u306e\u306b\u3001\u8acb\u6c42\u66f8\u306f\u3042\u3063\u3061\u304b\u3089\u3053\u3063\u3061\u304b\u3089\u3044\u304f\u3064\u3082\u6765\u305f\u308a\u3057\u307e\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u3001\u3057\u3070\u3057\u3070\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u300c\u4eba\uff1d\u3064\u307e\u308a\u533b\u5e2b\u300d\u3068\u300c\u65bd\u8a2d\uff1d\u3064\u307e\u308a\u75c5\u9662\u3084\u30af\u30ea\u30cb\u30c3\u30af\u3084\u30bb\u30f3\u30bf\u30fc\u300d\u306f\u72ec\u7acb\u3057\u3066\u304a\u308a\u3001\u5225\u3082\u306e\u306a\u306e\u3067\u3059\u3002\u3064\u307e\u308aA\u75c5\u9662\u3067B\u9ebb\u9154\u79d1\u533b\u304b\u3089\u9ebb\u9154\u3092\u53d7\u3051\u3066C\u57f7\u5200\u533b\u306b\u624b\u8853\u3057\u3066\u3082\u3089\u3063\u305f\u5834\u5408\u3001A\u75c5\u9662\u304b\u3089\u306f\u75c5\u9662\u95a2\u9023\u8cbb\u7528\u304c\u3001B\u9ebb\u9154\u79d1\u533b\u304b\u3089\u306f\u9ebb\u9154\u30b5\u30fc\u30d3\u30b9\u8cbb\u7528\u304c\u3001C\u57f7\u5200\u533b\u304b\u3089\u306f\u57f7\u5200\u30b5\u30fc\u30d3\u30b9\u8cbb\u7528\u304c\u5225\u3005\u306b\u8acb\u6c42\u3055\u308c\u308b\u308f\u3051\u3067\u3059\u3002<\/p>\n

\u4fdd\u967a\u3092\u6301\u3063\u3066\u3044\u308b\u306a\u3089\u3070\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u63d0\u4f9b\u8005\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306a\u306e\u304b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306a\u306e\u304b\u306f\u5927\u304d\u306a\u554f\u984c\u3067\u3059\u306d\u3002\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u533b\u7642\u6a5f\u95a2\u3084\u304a\u533b\u8005\u3055\u3093\u3092\u4f7f\u3048\u3070\u3001\u5065\u5eb7\u4fdd\u967a\u4f1a\u793e\u304c\u3042\u3089\u304b\u3058\u3081\u30cd\u30b4\u3057\u3066\u6c7a\u3081\u3066\u304f\u308c\u3066\u3044\u308bNegotiated Price\u3092\u6255\u3048\u3070\u3044\u3044\u308f\u3051\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u3068\u306a\u308b\u3068\u533b\u7642\u6a5f\u95a2\u3084\u304a\u533b\u8005\u3055\u3093\u306e\u30ea\u30b9\u30c8\u4fa1\u683c\uff08\u8a00\u3044\u5024\uff09\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u624b\u8853\u3092\u53d7\u3051\u308b\u5834\u5408\u3001\u53d7\u3051\u308b\u75c5\u9662\u3084\u30af\u30ea\u30cb\u30c3\u30af\u3068\u3001\u57f7\u5200\u3059\u308b\u304a\u533b\u8005\u3055\u3093\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u306f\u7b2c\u4e00\u6b69\u3067\u3059\u304c\u3001\u305d\u308c\u3060\u3051\u3067\u306f\u6b8b\u5ff5\u306a\u304c\u3089\u5341\u5206\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u306a\u305c\u306a\u3089\u3001\u624b\u8853\u306a\u3069\u306e\u5927\u304d\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u3068\u3001\u4ed6\u306b\u3082\u3055\u307e\u3056\u307e\u306a\u533b\u7642\u5f93\u4e8b\u8005\u304c\u304b\u304b\u308f\u308b\u3053\u3068\u304c\u5e38\u3060\u304b\u3089\u3067\u3059\u3002\u75c5\u9662\u3068\u57f7\u5200\u533b\u306f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u3060\u3063\u305f\u3051\u3069\u3001\u77e5\u3089\u306a\u3044\u3046\u3061\u306b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u533b\u5e2b\u304c\u6cbb\u7642\u30b0\u30eb\u30fc\u30d7\u306e\u4e2d\u306b\u5165\u3063\u3066\u3044\u305f\u306a\u3069\u3068\u3044\u3046\u3053\u3068\u304c\u8d77\u304d\u3001\u7d50\u679c\u7684\u306b\u601d\u3044\u3082\u304b\u3051\u306a\u3044\u984d\u306e\u8acb\u6c42\u66f8\u304c\u5c4a\u304f\u3068\u3044\u3046\u3053\u3068<\/strong>\u304c\u6700\u8fd1\u5897\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u4ee5\u4e0b\u5b9f\u969b\u306b\u3042\u3063\u305f\u4f8b\u3067\u3059\u3002<\/h4>\n

\u30b1\u30fc\u30b9\uff11\uff1a\u5b50\u3069\u3082\u304c\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u3067\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u57f7\u5200\u533b\u306b\u3088\u3063\u3066\u5fc3\u81d3\u306e\u624b\u8853\u3092\u3046\u3051\u305f\u3068\u3053\u308d\u3001\u30a2\u30b7\u30b9\u30c8\u5916\u79d1\u533b\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u3067\u3042\u3063\u305f\u3002\u60a3\u8005\u306b\u306f\u305d\u306e\u4e8b\u5b9f\u306f\u77e5\u3089\u3055\u308c\u306a\u3044\u307e\u307e\u624b\u8853\u304c\u884c\u308f\u308c\u3001\u30a2\u30b7\u30b9\u30c8\u5916\u79d1\u533b\u304b\u3089\u306e\u8acb\u6c42\u984d\u306f$6,400\u3002\u5065\u5eb7\u4fdd\u967a\u306f$1,400\u306e\u307f\u304c\u30ab\u30d0\u30fc\u3055\u308c\u3001\u6b8b\u9ad8\u306e$5,000\u306f\u500b\u4eba\u8ca0\u62c5\u3068\u306a\u3063\u305f\u3002<\/p>\n

\u30b1\u30fc\u30b9\uff12\uff1a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u653e\u5c04\u7dda\u30bb\u30f3\u30bf\u30fc\u3067\u3001\u4e73\u304c\u3093\u691c\u8a3a\uff08\u30de\u30e2\u30b0\u30e9\u30e0\uff09\u306e\u5b9a\u671f\u5065\u8a3a\u3092\u53d7\u3051\u305f\u3068\u3053\u308d\u3001\u30de\u30e2\u30b0\u30e9\u30e0\u306e\u7d50\u679c\u3092\u8aad\u307f\u8a3a\u65ad\u3092\u3057\u305f\u653e\u5c04\u7dda\u533b\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u3067\u3042\u3063\u305f\u3002\u653e\u5c04\u7dda\u533b\u304b\u3089\u306f\u5f8c\u65e5$110\u306e\u8acb\u6c42\u304c\u3042\u308a\u3001\u3053\u306e\u5973\u6027\u306f$110\u3092\u500b\u4eba\u3067\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u3063\u305f\u3046\u3048\u3001\u5065\u5eb7\u4fdd\u967a\u4f1a\u793e\u306f\u305d\u306e\u3046\u3061$58.64\u5206\u3057\u304b\u3001Deductible\u306e\u8a08\u7b97\u306b\u6570\u3048\u3066\u304f\u308c\u306a\u304b\u3063\u305f\u3002
\n<\/em><\/p>\n

\u30b1\u30fc\u30b9\uff13\uff1a\u8133\u5185\u51fa\u8840\u306e\u305f\u3081\u904b\u3070\u308c\u305f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u3067\u306f\u624b\u8853\u306e\u6e96\u5099\u304c\u306a\u304b\u3063\u305f\u305f\u3081\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u4ed6\u306e\u75c5\u9662\u306b\u642c\u9001\u3055\u308c\u3001\u305d\u3053\u3067\u624b\u8853\u3092\u53d7\u3051\u305f\u3002\u57f7\u5200\u3057\u305f\u8133\u5916\u79d1\u533b\u306f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u533b\u5e2b\u3067\u3042\u3063\u305f\u305f\u3081\u3001\u5f8c\u65e5$40,091\u306e\u8acb\u6c42\u304c\u6765\u305f\u3002\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u6271\u3044\u3068\u3057\u3066$8,386\u3060\u3051\u3092\u30ab\u30d0\u30fc\u3057\u3001\u6b8b\u308a\u306e$31,704\u306f\u60a3\u8005\u306e\u500b\u4eba\u8ca0\u62c5\u3068\u306a\u3063\u305f\u3002<\/p>\n

\u75c5\u9662\u3067\u624b\u8853\u3084\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u5834\u5408\u306f\u3001\u305d\u306e\u65bd\u8a2d\u3068\u4e3b\u6cbb\u533b\u3060\u3051\u3067\u306a\u304f\u3001\u30a2\u30b7\u30b9\u30c8\u306b\u5165\u308b\u5916\u79d1\u533b\u3001\u9ebb\u9154\u79d1\u533b\u3001\u653e\u5c04\u7dda\u79d1\u533b\u3001\u75c5\u7406\u5b66\u533b\u3001\u30e9\u30dc\u306a\u3069\u3001\u304b\u304b\u308f\u308b\u3059\u3079\u3066\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u8005\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u5fc5\u8981<\/strong>\u304c\u3042\u308b\u306e\u3067\u3059\u3002\u306a\u3093\u304b\u3001\u6c17\u5206\u304c\u60aa\u304f\u306a\u308a\u305d\u3046\u306a\u8a71\u3067\u3059\u306d\u3002\u3067\u3082\u3001\u73fe\u5b9f\u3067\u3059\u30fb\u30fb\u30fb<\/p>\n

\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u5dde\u304c\u884c\u3063\u305f\u6700\u8fd1\u306b\u8abf\u67fb\u3067\u3001\u300c\u60a3\u8005\u306f\u3001\u3044\u3063\u305f\u3044\u3069\u3046\u3084\u3063\u3066\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u30fb\u5916\u3092\u30c1\u30a7\u30c3\u30af\u3067\u304d\u308b\u306e\u304b\u300d\u3068\u306e\u8cea\u554f\u306b\u3001\u4fdd\u967a\u4f1a\u793e\u5404\u793e\u304b\u3089\u306e\u4e00\u756a\u591a\u304b\u3063\u305f\u7b54\u3048\u306f\u3001\u300c\u30d7\u30ed\u30d0\u30a4\u30c0\u30fb\u30c7\u30a3\u30ec\u30af\u30c8\u30ea\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u305d\u308c\u3067\u78ba\u8a8d\u3059\u308b\u306e\u304c\u60a3\u8005\u306e\u8cac\u4efb\u300d\u3068\u7b54\u3048\u305f\u305d\u3046\u3067\u3059\u3002\u8133\u5185\u51fa\u8840\u3067\u642c\u9001\u3055\u308c\u3066\u3044\u308b\u306e\u306b\u3001\u30c7\u30a3\u30ec\u30af\u30c8\u30ea\u3067\u30c1\u30a7\u30c3\u30af\uff1f\u3061\u3087\u3063\u3068\u30d0\u30ab\u306b\u3059\u308b\u306a\u3088\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u3067\u3082\u73fe\u5b9f\u3067\u3059\u30fb\u30fb\u30fb<\/p>\n

\u81ea\u5206\u306e\u4fdd\u967a\u30d7\u30e9\u30f3\u306f\u3069\u3046\u306a\u306e\u304b\u30c1\u30a7\u30c3\u30af\u3059\u308b<\/h2>\n

HMO\u306fPPO\u3084EPO\u306b\u6bd4\u3079\u308b\u3068\u3001\u3053\u306e\u70b9\u3067\u306f\u3001\u60a3\u8005\u306b\u5bfe\u3059\u308b\u4fdd\u8b77\u304c\u539a\u3044\u3088\u3046\u3067\u3059\uff08\u4fdd\u967a\u306e\u6cd5\u5f8b\u306f\u5dde\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u5fc5\u305a\u3057\u3082\u3044\u3064\u3082\u3053\u3046\u3068\u306f\u9650\u308a\u307e\u305b\u3093\uff09\u3002\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u30fb\u533b\u5e2b\u306b\u3088\u308a\u30a2\u30ec\u30f3\u30b8\u3055\u308c\u305f\u533b\u7642\u884c\u70ba\u306f\u3059\u3079\u3066\u4fdd\u967a\u306e\u9069\u7528\u7bc4\u56f2\u3068\u306a\u308a\u3001\u60a3\u8005\u306f\u898f\u5b9a\u306eCo-pay\u306e\u307f\u3092\u652f\u6255\u3048\u3070\u3088\u3044\u3068\u3044\u3046\u4fdd\u8b77\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u3067\u53d7\u3051\u305f\u624b\u8853\u306a\u3089\u3001\u8ab0\u304c\u3069\u3046\u304b\u304b\u308f\u308d\u3046\u3068\u300c\u3059\u3079\u3066\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u6271\u3044\u306b\u306a\u308b\u300d\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3068\u3053\u308d\u304c\u3001PPO\u3084EPO\u306b\u306f\u3053\u306e\u4fdd\u8b77\u304c\u306a\u3044\u5834\u5408\u304c\u3042\u308b\u3088\u3046\u3067\u3059\u3002PPO\u3084EPO\u3092\u6301\u3063\u3066\u3044\u308b\u5834\u5408\u306b\u306f\u3001\u304b\u304b\u308f\u308b\u3059\u3079\u3066\u306e\u533b\u7642\u30d7\u30ed\u30d0\u30a4\u30c0\u306b\u3064\u3044\u3066\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u8cac\u4efb\u304c\u60a3\u8005\u306b\u8ab2\u305b\u3089\u308c\u3066\u3044\u308b<\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3053\u308c\u3053\u305d\u304c\u3001Consumer Directed Health Plan\uff08\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3<\/a><\/strong>\uff09\u306e\u771f\u9ac4<\/strong>\u3067\u3059\u3002<\/p>\n

\u3061\u306a\u307f\u306b\u6211\u304c\u5bb6\u306eHMO\u30d7\u30e9\u30f3\u306f\u3001\u75c5\u9662\u306b\u5165\u9662\u3057\u305f\u3068\u304d\u306eCo-pay\u306f$250\u3067\u3059\u306e\u3067\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u306b\u5165\u9662\u3057\u305f\u306e\u306a\u3089\u3001\u3069\u3093\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u8ab0\u304b\u3089\u53d7\u3051\u3088\u3046\u304c\u3001$250\u3055\u3048\u6255\u3048\u3070\u305d\u308c\u4ee5\u4e0a\u306e\u8cac\u4efb\u306f\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u6211\u304c\u5bb6\u306b\u3068\u3063\u3066\u306f\u3001\u3053\u306e\u30b7\u30f3\u30d7\u30eb\u306a\u5b89\u5fc3\u611f\u304c\u3068\u3066\u3082\u91cd\u8981\u306a\u306e\u3067\u3001\u3053\u306e\u30d7\u30e9\u30f3\u304c(\u4eca\u306e\u3068\u3053\u308d)\u81ea\u5206\u305f\u3061\u306b\u3068\u3063\u3066\u306f\u4e00\u756a<\/a>\u3060\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002
\n\u3053\u308c\u306f\u3001\u5065\u5eb7\u4fdd\u967a\u306e\u8aac\u660e\u518a\u5b50\u3067\u304d\u3061\u3093\u3068\u78ba\u8a8d\u3059\u3079\u304d\u3053\u3068\u3067\u3059\u3002\u540d\u79f0\u306f\u3044\u308d\u3044\u308d\u3067\u3057\u3087\u3046\u304c\u3001Explanation of Your Plan\u306a\u3069\u3068\u3044\u3046\u540d\u524d\u306e\u518a\u5b50\u306f\u304a\u624b\u5143\u306b\u3042\u308a\u307e\u3059\u304b\uff1f\u304a\u624b\u5143\u306b\u306a\u3051\u308c\u3070\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u30b3\u30f3\u30bf\u30af\u30c8\u3057\u3066\u3082\u3089\u3044\u307e\u3057\u3087\u3046<\/a>\u3002\u6700\u8fd1\u3067\u306f\u30aa\u30f3\u30e9\u30a4\u30f3\u30fb\u30b5\u30a4\u30c8\u306b\u60c5\u5831\u304c\u3042\u308b\u306e\u3067\u7d19\u306e\u518a\u5b50\u3092\u9001\u3063\u3066\u3053\u306a\u3044\u5834\u5408\u3082\u3042\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u3053\u306e\u8aac\u660e\u518a\u5b50\u306b\u306f\u4fdd\u967a\u306e\u30ab\u30d0\u30ec\u30c3\u30b8\u3084\u4f7f\u3044\u65b9\u306a\u3069\u304c\u307e\u3068\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u624b\u5143\u306b\u7f6e\u3044\u3066\u304a\u3044\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3042\u3089\u304b\u3058\u3081\u76ee\u3092\u901a\u3057\u3066\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u6982\u8981\u3092\u628a\u63e1\u3057\u3066\u304a\u304f\u3068\u540c\u6642\u306b\u3001\u4f55\u304b\u306e\u6642\u306b\u306f\u3059\u3050\u78ba\u8a8d\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n

\u62c5\u5f53\u533b\u3068\u5065\u5eb7\u4fdd\u967a\u4f1a\u793e\u306b\u3042\u304b\u3089\u3058\u3081\u78ba\u8a8d\u3059\u308b<\/h2>\n

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\u62c5\u5f53\u306e\u304a\u533b\u8005\u3055\u3093\u306f\u3001\u308f\u305f\u3057\u305f\u3061\u306e\u4fdd\u967a\u304c\u3069\u3093\u306a\u4fdd\u967a\u30d7\u30e9\u30f3\u306a\u306e\u304b\u306a\u3069\u8a73\u3057\u304f\u77e5\u308b\u7531\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3059\u3079\u3066\u306e\u533b\u7642\u63aa\u7f6e\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u3067\u7d42\u59cb\u3059\u308b\u304b\u3092\u78ba\u8a8d\u3059\u308b\u306e\u306f\u3001\u308f\u305f\u3057\u305f\u3061\u81ea\u8eab\u306e\u8cac\u4efb<\/strong>\u3067\u3059\u3002<\/p>\n

    \n
  • \u62c5\u5f53\u533b\u306b\u3001\u300c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u8005\u306e\u307f\u3092\u5229\u7528\u3057\u305f\u3044\u3053\u3068\u300d\u3092\u4f1d\u3048\u308b\u3002<\/li>\n
  • \u62c5\u5f53\u533b\u306e\u63a8\u85a6\u3059\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u8005\u304c\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u304b\u3069\u3046\u304b\u78ba\u8a8d\u3057\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u8005\u304c\u3044\u305f\u5834\u5408\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u4eba\u306b\u5909\u66f4\u3057\u3066\u3082\u3089\u3046\u304b\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u63d0\u4f9b\u8005\u306b\u76f4\u63a5\u30b3\u30f3\u30bf\u30af\u30c8\u3057\u3066\u3001\u898b\u7a4d\u3082\u308a\u3092\u3068\u308a\u5024\u6bb5\u4ea4\u6e09\u306e\u3046\u3048\u6700\u7d42\u4fa1\u683c\u3092\u6587\u66f8\u3067\u3082\u3089\u3063\u3066\u304a\u304f\u3002<\/li>\n
  • \u4fdd\u967a\u4f1a\u793e\u306bPre-authorization\u306e\u305f\u3081\u306b\u96fb\u8a71\u3059\u308b\u3053\u3068\u304c\u3042\u308c\u3070\uff08\u533b\u8005\u3084\u75c5\u9662\u304c\u3059\u308b\u3053\u3068\u3082\u3042\u308a\uff09\u3001\u305d\u306e\u6642\u306b\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u591a\u984d\u306a\u8acb\u6c42\u304c\u6765\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u305f\u3081\u306b\u3001\u3069\u3046\u3044\u3046\u3053\u3068\u3092\u6ce8\u610f\u3059\u308c\u3070\u3088\u3044\u304b\u805e\u3044\u3066\u307f\u308b\u3002<\/li>\n
  • \u75c5\u9662\u306b\u5165\u9662\u3059\u308b\u306b\u5148\u7acb\u3063\u3066\u3001\u300c\u81ea\u5206\u306b\u304b\u304b\u308f\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306b\u30a2\u30b5\u30a4\u30f3\u3055\u308c\u308b\u533b\u5e2b\u306f\u3059\u3079\u3066\u81ea\u5206\u306e\u5065\u5eb7\u4fdd\u967a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u533b\u5e2b\u30fb\u5c02\u9580\u5bb6\u3067\u3042\u308b\u3053\u3068\u300d\u3092\u30ea\u30af\u30a8\u30b9\u30c8\u3057\u3001\u5165\u9662\u6642\u306e\u30b5\u30a4\u30f3\u3059\u308b\u5404\u7a2e\u306e\u66f8\u985e\u3068\u3068\u3082\u306b\u6587\u66f8\u3068\u3057\u3066\u63d0\u51fa\u3059\u308b\u3002<\/li>\n<\/ul>\n

    \u7dca\u6025\u6642\u306f\u3069\u3046\u306a\u308b\u306e\uff1f<\/h2>\n

    \u4e8b\u6545\u306b\u3042\u3063\u305f\u3068\u304b\u3001\u5fc3\u81d3\u767a\u4f5c\u3060\u3068\u304b\u306e\u5834\u5408\u306f\u3069\u3046\u306a\u308b\u3093\u3067\u3057\u3087\u3046\u3002\u8fd1\u304f\u306b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u304c\u3042\u308b\u3068\u306f\u9650\u3089\u306a\u3044\u3057\u3001\u9ebb\u9154\u79d1\u533b\u304c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u304b\u3069\u3046\u304b\u306a\u3093\u3066\u6c17\u3092\u914d\u3063\u3066\u3044\u3089\u308c\u307e\u305b\u3093\u3088\u306d\u3048\u3002\u3002\u3053\u306e\u3088\u3046\u306a\u300c\u672c\u5f53\u306e\u7dca\u6025\u6642\u300d\u306b\u3064\u3044\u3066\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u304c\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u5185\u5916\u306b\u304b\u304b\u308f\u3089\u305a\u5fc5\u8981\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u30ab\u30d0\u30fc\u3059\u308b<\/strong>\u3068\u306e\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u72b6\u614b\u304c\u5b89\u5b9a\u3057\u305f\u6642\u70b9\u3067\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u75c5\u9662\u306b\u79fb\u3055\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

    \u300c\u672c\u5f53\u306e\u7dca\u6025\u6642\u300d\u3068\u3044\u3046\u306e\u304c\u30df\u30bd\u3067\u3057\u3066\u3001\u300c\u672c\u5f53\u306e\u7dca\u6025\u300d\u3067\u306a\u3044\u306e\u306bER\u306b\u884c\u3063\u305f\u308a\u3059\u308b\u5834\u5408\u306f\u3053\u3046\u306f\u3044\u304b\u306a\u3044\u3088\u3046\u3067\u3059\u3002\u300c\u672c\u5f53\u306e\u7dca\u6025\u6642\u300d\u3068\u306f\u3001\u901a\u5e38\u3001\u300c\u5065\u5eb7\u30fb\u533b\u7642\u306b\u3064\u3044\u3066\u5e73\u5747\u7684\u306a\u77e5\u8b58\u3092\u6301\u3063\u3066\u3044\u308b\u4eba\u304c\u3001\u3059\u3050\u306b\u51e6\u7f6e\u3092\u3057\u306a\u3051\u308c\u3070\u30011\u300d\u500b\u4eba\u306e\u5065\u5eb7\u3092\u8457\u3057\u3044\u5371\u967a\u306b\u3055\u3089\u3059\u30012)\u8eab\u4f53\u6a5f\u80fd\u306e\u91cd\u3044\u640d\u50b7\u306b\u3064\u306a\u304c\u308b\u30013)\u5185\u81d3\u3084\u8eab\u4f53\u90e8\u4f4d\u306e\u91cd\u3044\u6a5f\u80fd\u969c\u5bb3\u306b\u3064\u306a\u304c\u308b\u306e\u3069\u308c\u304b\u3068\u5224\u65ad\u3059\u308b\u3088\u3046\u306a\u5834\u5408\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u5834\u5408\u3060\u305d\u3046\u3067\u3059\u3002<\/p>\n

    \u81ea\u5206\u306e\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u304c\u3001\u300c\u672c\u5f53\u306e\u7dca\u6025\u300d\u3092\u3069\u3046\u5b9a\u7fa9\u3057\u3001\u300c\u672c\u5f53\u306e\u7dca\u6025\u6642\u300d\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u533b\u7642\u63aa\u7f6e\u3092\u30ab\u30d0\u30fc\u3059\u308b\u306e\u304b\u3069\u3046\u304b\u3001\u3082\u3057\u78ba\u8a8d\u3057\u3066\u3044\u306a\u3044\u306a\u3089\u3001\u4eca\u3001\u3057\u307e\u3057\u3087\u3046\u3002\u5148\u307b\u3069\u306e\u3001\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u8aac\u660e\u518a\u5b50\u306b\u66f8\u3044\u3066\u3042\u308b\u306f\u305a\u3067\u3059\u3002<\/p>\n

    \u3061\u306a\u307f\u306b\u6211\u304c\u5bb6\u306eHMO\u30d7\u30e9\u30f3\u306e\u8aac\u660e\u66f8\u306b\u3088\u308b\u3068\u3001<\/p>\n

    In serious emergency situations, call 911 or go to the nearest hospital<\/span>.<\/p>\n

    If you situation is not so severe, call your PCP or Physician Group or, if you cannot call them or you need medical care right way, go to the nearest medical center or hospital<\/span>.<\/p>\n

    \u3068\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u3069\u3053\u306e\u75c5\u9662\u306b\u884c\u3063\u3066\u3082\u30ab\u30d0\u30fc\u3055\u308c\u308b\u3088\u3046\u3067\u3059\u3002\u307e\u305f\u3001Emergency\u306e\u5b9a\u7fa9\u3082\u4e0a\u306b\u66f8\u3044\u305f\u5b9a\u7fa9\u304c\u3042\u3066\u306f\u307e\u308a\u307e\u3059\u3002<\/p>\n

    \u3053\u306e\u3088\u3046\u306a\u3001\u300c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u304c\u4e0d\u5728\u306e\u3068\u304d\u306b\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u3092\u8ffd\u52a0\u306e\u30b3\u30b9\u30c8\u306a\u3057\u306b\u5229\u7528\u3067\u304d\u308b\u300d\u3068\u3044\u3046\u4fdd\u8b77\u306fHMO\u306b\u306f\u898f\u5b9a\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u304c\u3001PPO\u3084EPO\u306e\u5834\u5408\u306b\u306f\u306a\u3044\u3053\u3068\u304c\u591a\u3044<\/strong>\u305d\u3046\u3067\u3059\u3002\u3088\u304f\u628a\u63e1\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n

    \u4e16\u77e5\u8f9b\u3044\u304b\u306a\u3001\u3046\u304b\u3064\u306b\u75c5\u6c17\u3082\u3067\u304d\u307e\u305b\u3093\u3002\u3067\u3082\u3001\u78ba\u8a8d\u3001\u78ba\u8a8d\u3001\u78ba\u8a8d\u3067\u3059\u3002\u554f\u984c\u306f\u9632\u6b62\u304c\u4e00\u756a\u3002\u8d77\u3053\u3063\u3066\u3057\u307e\u3063\u3066\u304b\u3089\u306f\u3001\u89e3\u6c7a\u3059\u308b\u306e\u306b10\u500d\u306e\u30a8\u30cd\u30eb\u30ae\u30fc\u304c\u3044\u308a\u307e\u3059\u3002<\/p>\n

    NOTE\uff1a\u3053\u306e\u554f\u984c\u30012022\u5e741\u6708\u304b\u3089\u306fNO Surprise ACT\u304c\u65bd\u884c\u3055\u308c\u3001\u8efd\u6e1b\u3055\u308c\u308b\u4e88\u60f3\u3067\u3059\u3002<\/p>\n

    \n","protected":false},"excerpt":{"rendered":"

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