\u5065\u5eb7\u4fdd\u967a\u3092\u3069\u3046\u3084\u3063\u3066\u9078\u3093\u3060\u3089\u3044\u3044\u306e\u304b\u60a9\u307f\u4e2d\u306e\u6211\u304c\u5bb6\u3002\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308b\u5065\u5eb7\u4fdd\u967a\u306b\u3064\u3044\u3066\u306f\u3001\u7fcc\u5e74\u306b\u52a0\u5165\u3059\u308b\u30d7\u30e9\u30f3\u3092\u30aa\u30fc\u30d7\u30f3 \u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u3068\u3044\u3046\u671f\u9593\uff08\u96c7\u7528\u4e3b\u306b\u3088\u308b\u304c\u3001\u901a\u5e38\uff19\u6708\u672b\u304b\u308911\u6708\u534a\u3070\u304f\u3089\u3044\u307e\u3067\uff09\u306b\u9078\u3076\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u306d\u3002\u3067\u304d\u308c\u3070\u3001\u4e00\u5ea6\u52a0\u5165\u3057\u305f\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u305a\u3063\u3068\u6301\u3061\u7d9a\u3051\u308b\u306e\u304c\u4e00\u756a\u7c21\u5358\u3067\u52b9\u7387\u7684\u3060\u3068\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u304c\u306a\u304b\u306a\u304b\u96e3\u3057\u304f\u306a\u3063\u3066\u304d\u3066\u3044\u308b\u6628\u4eca\u3067\u3059\u3002\u306a\u305c\u306a\u3089\u3001\u6bce\u5e74\u6bce\u5e74\u3001\u4fdd\u967a\u306e\u30d7\u30e9\u30f3\u306e\u5185\u5bb9\u304c\u5909\u66f4\u3055\u308c\u308b\u3057\u3001\u4fdd\u967a\u6599\u306f\u3082\u3061\u308d\u3093\u4e0a\u304c\u308a\u7d9a\u3051\u308b\u3057\u3001\u305d\u308c\u306b\u52a0\u3048\u3066\u65b0\u3057\u3044\u30d7\u30e9\u30f3\u3082\u8ffd\u52a0\u3055\u308c\u7d9a\u3051\u308b\u306e\u3067\u3001\u81ea\u5206\u305f\u3061\u306b\u3068\u3063\u3066\u5e38\u306b\u4e00\u756a\u6709\u5229\u306a\u30d7\u30e9\u30f3\u3092\u7dad\u6301\u3057\u7d9a\u3051\u308b\u3068\u3044\u3046\u306e\u304c\u3001\u306a\u304b\u306a\u304b\u9aa8\u306e\u6298\u308c\u308b\u4f5c\u696d\u306b\u306a\u3063\u3066\u3057\u307e\u3046\u306e\u3067\u3059\u3002<\/p>\n
\u30a2\u30e1\u30ea\u30ab\u306e\u533b\u7642\u8cbb\u306f\u9ad8\u9a30\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u3092\u80cc\u666f\u306b\u3001\u96c7\u7528\u4e3b\u5074\u3082\u306a\u3093\u3068\u304b\u3057\u3066\u4fdd\u967a\u8cbb\u30fb\u533b\u7642\u8cbb\u306e\u96c7\u7528\u4e3b\u8ca0\u62c5\u5206\u3092\u8efd\u6e1b\u3057\u3088\u3046\u3068\u3084\u3063\u304d\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u305b\u3044\u3067\u3001\u65b0\u3057\u3044\u30d7\u30e9\u30f3\u304c\u3069\u3093\u3069\u3093\u8ffd\u52a0\u3055\u308c\u3001\u305d\u306e\u3088\u3046\u306a\u65b0\u3057\u3044\u30d7\u30e9\u30f3\u306f\u96c7\u7528\u4e3b\u306b\u3068\u3063\u3066\u30b3\u30b9\u30c8\u524a\u6e1b\u306b\u306a\u308b\u3082\u306e\u304c\u307b\u3068\u3093\u3069\u306a\u308f\u3051\u3067\u3059\u304c\u3001\u305d\u308c\u3068\u540c\u6642\u306b\u4e00\u898b\u3059\u308b\u3068\u6d88\u8cbb\u8005\u3067\u3042\u308b\u308f\u305f\u3057\u305f\u3061\u306b\u3068\u3063\u3066\u3082\u304a\u5f97\u306a\u3082\u306e\u306b\u898b\u3048\u308b\u3082\u306e\u304c\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3059\u3002\u3067\u3082\u305d\u3053\u306b\u306f\u3001High Deductible\uff08\u4fdd\u967a\u304c\u533b\u7642\u8cbb\u3092\u30ab\u30d0\u30fc\u3057\u59cb\u3081\u308b\u524d\u306b\u3001\u500b\u4eba\u304c\u8ca0\u62c5\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u91d1\u984d\u304c\u9ad8\u304f\u8a2d\u5b9a\u3057\u3066\u3042\u308b\u3082\u306e\uff09\u3084 High out-of-pocket maximum\uff08Deductible\u3084Coinsurance\u306a\u3069\u306e\u500b\u4eba\u306e\u7dcf\u8ca0\u62c5\u984d\u304c\u3053\u306e\u984d\u306b\u9054\u3057\u305f\u3089\u3001\u305d\u3053\u304b\u3089\u306f\u4fdd\u967a\u304c100%\u30ab\u30d0\u30fc\u3059\u308b\u3068\u3044\u3046\u305d\u306e\u6700\u4e0a\u9650\u304c\u9ad8\u304f\u8a2d\u5b9a\u3057\u3066\u3042\u308b\u3082\u306e\uff09\u306a\u3069\u306e\u30ea\u30b9\u30af\u304c\u3042\u308b\u3088\u3046\u3067<\/strong>\u3001\u3055\u3089\uff5e\u3063\u3068\u76ee\u3092\u901a\u3057\u305f\u3060\u3051\u3067\u306f\u3001\u5230\u5e95\u3069\u308c\u304c\u4e00\u756a\u3044\u3044\u304b\u306a\u3093\u3066\u3061\u3063\u3068\u3082\u5206\u304b\u308a\u307e\u305b\u3093\u3002\u3069\u3053\u304b\u306e\u8a18\u4e8b\u306b\u3001\u300c\u5065\u5eb7\u4fdd\u967a\u3092\u3042\u308c\u3053\u308c\u6bd4\u3079\u3066\u541f\u5473\u9078\u629e\u3059\u308b\u304f\u3089\u3044\u306a\u3089\u3001\u6b6f\u3092\u4e00\u672c\u629c\u304b\u308c\u305f\u307b\u3046\u304c\u307e\u3057\u3060\uff01\u300d\u306a\u3069\u3068\u66f8\u3044\u3066\u3044\u308b\u306e\u304c\u3042\u308a\u307e\u3057\u305f\u3051\u3069\u3001\u308f\u305f\u3057\u3082\u75db\u304f\u540c\u611f\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n \u3057\u304b\u3057\u306a\u304c\u3089\u3044\u3064\u307e\u3067\u3082\u5ef6\u3070\u3057\u5ef6\u3070\u3057\u306b\u3057\u3066\u3044\u308b\u308f\u3051\u306b\u3082\u3044\u304b\u306a\u3044\u306e\u3067\u3001\u899a\u609f\u3092\u6c7a\u3081\u3066\u541f\u5473\u306b\u3068\u308a\u304b\u304b\u308b\u3053\u3068\u306b\u3057\u307e\u3057\u305f\u3002\u4ee5\u4e0b\u306f\u6211\u304c\u5bb6\u306e\u541f\u5473\u65b9\u6cd5\u3002\u5065\u5eb7\u4fdd\u967a\u306f\u3001\u4eba\u305d\u308c\u305e\u308c\u5bb6\u65cf\u305d\u308c\u305e\u308c\u6c42\u3081\u308b\u3082\u306e\u3082\u9078\u629e\u80a2\u3082\u9055\u3044\u307e\u3059\u304b\u3089\u3001\u6211\u304c\u5bb6\u306e\u3084\u308a\u65b9\u306f\u5fc5\u305a\u3057\u3082\u7686\u3055\u3093\u306b\u3068\u3063\u3066\u30d9\u30b9\u30c8\u306a\u3082\u306e\u3067\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u5c11\u3057\u3067\u3082\u53c2\u8003\u306b\u306a\u308c\u3070\u3068\u66f8\u304b\u305b\u3066\u3082\u3089\u3044\u307e\u3057\u305f\u3002<\/p>\n \uff11\uff0e\u81ea\u5206\u305f\u3061\u306e\u5065\u5eb7\u72b6\u614b\u3068\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u5229\u7528\u72b6\u6cc1\u3092\u628a\u63e1\u3059\u308b\u3000\u2013\u3000\u5df1\u3092\u77e5\u308b\u306e\u304c\u7b2c\u4e00\u756a\uff01<\/strong><\/p>\n \u307e\u305a\u306f\u3001\u81ea\u5206\u305f\u3061\u304c\u3069\u306e\u3088\u3046\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u5fc5\u8981\u3068\u3059\u308b\u304b\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u533b\u7642\u4fdd\u967a\u306e\u5229\u7528\u30d1\u30bf\u30fc\u30f3\u306b\u3088\u3063\u3066\u3001\u3069\u306e\u30d7\u30e9\u30f3\u304c\u30d9\u30b9\u30c8\u304b\u3082\u5909\u308f\u3063\u3066\u304f\u308b\u304b\u3089\u3067\u3059\u3002\u30a2\u30ec\u30eb\u30ae\u30fc\u3084\u65e2\u5f80\u75c7\u304c\u3042\u308b\u306e\u304b\u3001\u9577\u671f\u7684\u306b\u5fc5\u8981\u306a\u51e6\u65b9\u7b8b\u304c\u3042\u308b\u306e\u304b\u3001\u7279\u5b9a\u306e\u304a\u533b\u8005\u3055\u3093\u306b\u898b\u3066\u3082\u3089\u3044\u305f\u3044\u306a\u3069\u3001\u7279\u5225\u306a\u30cb\u30fc\u30ba\u304c\u3042\u308b\u304b\u306a\u3069\u3092\u6d17\u3044\u51fa\u3059\u3053\u3068\u3067\u3059\u3002<\/p>\n \u6211\u304c\u5bb6\u306f\u304a\u304b\u3052\u3055\u307e\u3067\u5065\u5eb7\u306a\u5bb6\u65cf\u3067\u3059\u3002\u6301\u75c5\u3082\u4eca\u306e\u3068\u3053\u308d\u306a\u3044\u3057\u3001\u98f2\u307f\u7d9a\u3051\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u51e6\u65b9\u7b8b\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u904e\u53bb\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u5229\u7528\u72b6\u6cc1\u306f\u3001Preventive Care\uff08\u5b9a\u671f\u5065\u8a3a\u3001\u4e88\u9632\u63a5\u7a2e\u3084\u30c6\u30b9\u30c8\uff09\u3068\u5e74\u306b\uff12\uff0c\uff13\u56de\u98a8\u90aa\u3092\u3053\u3058\u3089\u305b\u305f\u7a0b\u5ea6\u3067\u691c\u8a3a\u3059\u308b\u304f\u3089\u3044\u3067\u3059\u3002\u3042\u3068\u3001\u53bb\u5e74\u306f\u6821\u5ead\u3067\u30d8\u30f3\u306a\u866b\u306b\u3055\u3055\u308c\u305f\u5a18\u304c\u3001\u4e00\u5ea6\u304a\u533b\u8005\u3055\u3093\u306b\u884c\u304d\u307e\u3057\u305f\u3002\u52a0\u3048\u3066\u3001\u7a81\u767a\u7684\u306b\u306f\u30015\u5e74\u524d\u306b\u308f\u305f\u3057\u304c\u5b50\u5bae\u7b4b\u816b\u3067\u5927\u304d\u306a\u624b\u8853\u3092\u3057\u307e\u3057\u305f\uff08$25,000\u306e\u5165\u9662\uff09\u3002 <\/strong><\/p>\n \uff12\uff0e\u9078\u629e\u80a2\u3092\u628a\u63e1\u3059\u308b<\/strong><\/p>\n \u6b21\u306b\u3001\u81ea\u5206\u305f\u3061\u304c\u9078\u629e\u3067\u304d\u308b\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u7a2e\u985e\u3068\u4fdd\u967a\u6599\u3092\u628a\u63e1\u3057\u307e\u3059\u3002\u6211\u304c\u5bb6\u306e\u5834\u5408\u3001\u4eca\u5e74\u306e\u5065\u5eb7\u4fdd\u967a\u306e\u9078\u629e\u80a2\u306f\uff18\u30d7\u30e9\u30f3\u3067\u3057\u305f\u3002PPO\u3001POS\u3001HMO\u3001PPO+HRA\u306a\u3069\u306e\u30bf\u30a4\u30d7\u304c\u3042\u308a\u3001\u6211\u304c\u5bb6\u304c\u8ca0\u62c5\u3059\u308b\u6708\u3005\u306e\u4fdd\u967a\u6599\u306f\u6700\u4f4e\uff04\uff10\u304b\u3089\u6700\u9ad8\uff04610\u307e\u3067\u3067\u3057\u305f\u3002<\/p>\n \uff13\uff0e\u6708\u3005\u306e\u4fdd\u967a\u6599\u304c\u4e88\u7b97\u3092\u8d85\u3048\u308b\u30d7\u30e9\u30f3\u3084\u3001\u305d\u3082\u305d\u3082\u907f\u3051\u305f\u3044\u30d7\u30e9\u30f3\u3092\u9664\u5916\u3059\u308b<\/strong><\/p>\n \u4e0e\u3048\u3089\u308c\u305f\u9078\u629e\u80a2\u306e\u306a\u304b\u304b\u3089\u3001\u307e\u305a\u306f\u6708\u3005\u306e\u4fdd\u967a\u6599\u304c\u9ad8\u3059\u304e\u3066\u6255\u3048\u305d\u3046\u306b\u306a\u3044\u3082\u306e\u3092\u9664\u5916\u3057\u307e\u3059\u3002\u305f\u3068\u3048\u3001\u30ab\u30d0\u30fc\u304c\u3088\u304f\u3066\u3082\u3001\u305d\u3082\u305d\u3082\u4fdd\u967a\u6599\u304c\u6255\u3048\u306a\u3044\u306e\u306a\u3089\u306f\u3058\u307e\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u3053\u306e\u4fdd\u967a\u4f1a\u793e\u306f\u4f7f\u3044\u305f\u304f\u306a\u3044\u3068\u304b\u3001\u3053\u306e\u30d7\u30e9\u30f3\u306f\u3069\u3046\u3057\u3066\u3082\u3044\u3084\u3060\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308c\u3070\u305d\u308c\u3082\u9664\u5916\u3057\u307e\u3059\u3002<\/p>\n \u6211\u304c\u5bb6\u306e\u5834\u5408\u306f\u3001\u3069\u3093\u306a\u306b\u9811\u5f35\u3063\u3066\u3082\u6708\u3005$500\u304c\u9650\u5ea6\u3060\u3068\u8a2d\u5b9a\u3057\u307e\u3057\u305f\u3002\u305d\u3046\u3059\u308b\u30688\u7a2e\u985e\u3042\u3063\u305f\u30d7\u30e9\u30f3\u306e\u3046\u3061\uff14\u30d7\u30e9\u30f3\u306b\u9078\u629e\u80a2\u304c\u6e1b\u308a\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u305d\u306e\u3046\u3061\u306e\u3072\u3068\u3064\u306f\u3001\u4ee5\u524d\u4f7f\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u4fdd\u967a\u30d7\u30e9\u30f3\u3067\u3059\u304c\u3001\u4f7f\u3044\u52dd\u624b\u304c\u3088\u304f\u306a\u304b\u3063\u305f\u306e\u3067\u73fe\u884c\u306e\u3082\u306e\u306b\u5909\u3048\u305f\u3068\u3044\u3046\u7d4c\u7def\u304c\u3042\u308a\u307e\u3059\u3002\u3002\u306a\u306e\u3067\u3001\u3053\u306e\u3072\u3068\u3064\u3082\u6d88\u53bb\u3002\u3059\u308b\u3068\u6b8b\u3063\u305f\u306e\u306f\uff13\u30d7\u30e9\u30f3\u3067\u3059\u3002\u7c21\u5358\u306b\u5404\u30d7\u30e9\u30f3\u3092\u7d39\u4ecb\u3057\u307e\u3059\u3068\u2026<\/p>\n Core<\/strong>\u3000\uff1a\u3000\u3082\u3063\u3068\u3082\u30d9\u30fc\u30b7\u30c3\u30af\u306a\u30d7\u30e9\u30f3\u3067\u3001\u500b\u4eba\u8ca0\u62c5\u306e\u4fdd\u967a\u6599\u306f$0\u3002\u3044\u308f\u3086\u308bHigh Deductible PPO\u30d7\u30e9\u30f3\u3002\u5bb6\u65cf\u3072\u3068\u308a\u306b\u3064\u304d\u3001$3,000\u306e\u533b\u7642\u8cbb\u3092\u500b\u4eba\u8ca0\u62c5\u3059\u308b\u307e\u3067\u306f\u3001\u4fdd\u967a\u306f\u4f55\u3082\u6255\u3063\u3066\u304f\u308c\u307e\u305b\u3093\u3002\u305f\u3060\u3057\u305d\u308c\u4ee5\u4e0a\u306e\u533b\u7642\u8cbb\u304c\u767a\u751f\u3059\u308b\u3068\u3001\u307b\u3069\u3093\u3069\u306e\u30b5\u30fc\u30d3\u30b9\u306f20%\u306ecoinsurance\u3067\u53d7\u3051\u3089\u308c\u307e\u3059\u3002\u5bb6\u65cf\u3072\u3068\u308a\u306b\u3064\u304d$7,600\u304cOut-of-pocket Maximum\u3067\u3001\u3053\u306e\u984d\u3092\u8d85\u3048\u308b\u30b5\u30fc\u30d3\u30b9\u306f100%\u4fdd\u967a\u304c\u652f\u6255\u3044\u307e\u3059\u3002<\/p>\n Anthem PPO+HRA($2000)<\/strong>\u3000\uff1a\u3000\u6708\u3005\u306e\u4fdd\u967a\u6599\u306f$317\u3068\u6bd4\u8f03\u7684\u4f4e\u3081\u3002\u3044\u308f\u3086\u308bHigh Deductible PPO\u3068HRA\uff08Health Reimbursement Arrangement\uff09\u306e\u62b1\u304d\u5408\u308f\u305b\u30d7\u30e9\u30f3\u3002\u4eca\u5e74\u8ffd\u52a0\u3055\u308c\u305f\u30cb\u30e5\u30fc\u30d7\u30e9\u30f3\u3067\u3059\u3002HRA\u306b\u3088\u3063\u3066\u3001\u96c7\u7528\u4e3b\u304c1\u5e74\u306b$2000\u307e\u3067\u306e\u533b\u7642\u8cbb\u3092\u6255\u3044\u623b\u3057\u3066\u304f\u308c\u307e\u3059\u3002Deductible\u306f\u5bb6\u65cf\u306b\u3064\u304d$3400\uff08\u305f\u3060\u3057$2000\u306fHRA\u304b\u3089\u6255\u3044\u623b\u3055\u308c\u308b\u305f\u3081\u3001\u5b9f\u8cea\u7684\u306b\u306f$1400\uff09\u3001Out-of-pocket Maximum\u306f\u5bb6\u65cf\u306b\u3064\u304d$10,000\u3002\u96c7\u7528\u4e3b\u306e\u30ec\u30dd\u30fc\u30c8\u306b\u3088\u308b\u3068\u3001\u300c\u6211\u3005\u306e\u884c\u3063\u305f\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308b\u3068\u3001\u307b\u3068\u3093\u3069\u306e\u5bb6\u65cf\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u30b3\u30b9\u30c8\u524a\u6e1b\u3068\u306a\u308b\u300d\u4e00\u62bc\u3057\u5546\u54c1\u3060\u305d\u3046\u3002<\/p>\n Health Net HMO\u3000<\/strong>\uff1a\u3000\u6708\u3005\u306e\u4fdd\u967a\u6599\u306f$400\u306eHMO\u30d7\u30e9\u30f3\u3002\u4eca\u52a0\u5165\u3057\u3066\u3044\u308b\u30d7\u30e9\u30f3\u3067\u3059\u3002Deductible\u306f\u306a\u3057\u3002Out-of-pocket Maximum\u306f$3000\u3002\u6bce\u56de\u306ecopay\u306f\u5165\u9662\u3067\u3082$250\u3068\u5b89\u5fc3\u8def\u7dda\u3002<\/p>\n \uff14\uff0e\u6b8b\u3063\u305f\u30d7\u30e9\u30f3\u306b\u3064\u3044\u3066\u3001\u5b9f\u969b\u306e\u5e74\u9593\u7dcf\u30b3\u30b9\u30c8\uff08\u5e74\u9593\u4fdd\u967a\u6599\u3068out-of-pocket\u533b\u7642\u8cbb\u306e\u5408\u8a08\uff09\u3092\u8a08\u7b97\u3059\u308b<\/strong><\/p>\n \u3053\u308c\u306f\u3001\u3068\u3063\u3066\u3082\u9762\u5012\u306a\u306e\u3067\u3067\u304d\u308c\u3070\u3084\u308a\u305f\u304f\u306a\u3044\u306e\u3067\u3059\u304c\u3001\u3067\u3082\u3053\u306e\u30b9\u30c6\u30c3\u30d7\u3092\u8e0f\u307e\u306a\u3044\u3068\u3001\u81ea\u5206\u306b\u3068\u3063\u3066\u4e00\u756a\u6700\u9069\u306a\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u304c\u306a\u304b\u306a\u304b\u660e\u78ba\u306b\u306a\u3063\u3066\u304d\u307e\u305b\u3093\u3002\u4fdd\u967a\u30d7\u30e9\u30f3\u3068\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u5229\u7528\u72b6\u6cc1\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u3067\u3001\u7dcf\u30b3\u30b9\u30c8\u306f\u304b\u306a\u308a\u958b\u3044\u3066\u304d\u307e\u3059\u3002\u308f\u305f\u3057\u304c\u3084\u3063\u3066\u307f\u305f\u8a08\u7b97\u3067\u306f\u3001\uff13\u3064\u306e\u30b1\u30fc\u30b9\u3092\u8003\u3048\u307e\u3057\u305f\u30021) \u5065\u5eb7\u306a\u4e00\u5e74\u306e\u5834\u5408\uff1a\u5b9a\u671f\u5065\u8a3a\uff0b\u53d7\u8a3a2\u56de\uff0b\u51e6\u65b9\u7b8b\u5229\u75282\u56de\u3060\u3051\u306e\u5229\u7528\u30012) \u57fa\u672c\u7684\u306b\u5065\u5eb7\u3060\u3051\u3069\u3061\u3087\u3063\u3068\u30cf\u30d7\u30cb\u30f3\u30b0\u3042\u308a\u306e\u5834\u5408\uff1a\u5b9a\u671f\u5065\u8a3a\uff0b\u53d7\u8a3a2\u56de\uff0b\u51e6\u65b9\u7b8b\u5229\u75282\u56de\uff0bER\u5229\u75281\u56de\u30013) \u5927\u304d\u306a\u624b\u8853\u3092\u3057\u3066\u3057\u307e\u3044\u307e\u3057\u305f\u306e\u5834\u5408\uff1a\u5b9a\u671f\u5065\u8a3a\uff0b\u624b\u8853\u5165\u9662($30,000)\u30021)\u306f\u4f4e\u5229\u7528\u30012)\u306f\u4e2d\u5229\u7528\u30013)\u306f\u9ad8\u5229\u7528\u3068\u3044\u3063\u305f\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n \u8868\u4e2d\u306e\u8a9e\u5f59\u306e\u8aac\u660e<\/p>\n Preventive Care\uff1a\u5b9a\u671f\u5065\u8a3a\u3001\u4e88\u9632\u63a5\u7a2e\u3001\u4e88\u9632\u30c6\u30b9\u30c8\u306a\u3069\u3001Office Visits\uff1a\u75c5\u72b6\u304c\u3042\u308b\u5834\u5408\u306e\u691c\u8a3a\u3001Prescription\uff1a\u51e6\u65b9\u7b8b\u3001Hospital Stay\uff1a\u5165\u9662\u3001Out-of-pocket maximum \uff1a1\u5e74\u306e\u500b\u4eba\u306e\u7dcf\u8ca0\u62c5\u984d\u306e\u4e0a\u9650<\/p>\n \u3055\u3066\u3001\u7d50\u679c\u306f\u2026<\/p>\n \uff15\uff0e\u3088\uff5e\u304f\u8003\u3048\u3066\u9078\u3076<\/strong><\/p>\n \uff13\u3064\u306e\u30b1\u30fc\u30b9\u3067\u3001\u305d\u308c\u305e\u308c\u306e\u30d7\u30e9\u30f3\u306e\u7dcf\u30b3\u30b9\u30c8\u3092\u6bd4\u8f03\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002\u30b1\u30fc\u30b9\u3067\u968f\u5206\u3068\u7d50\u679c\u304c\u9055\u3063\u3066\u304f\u308b\u306e\u304c\u304a\u308f\u304b\u308a\u3067\u3057\u3087\u3046\u304b\u3002<\/strong>\u3044\u308f\u3086\u308bHigh Deductible\u30d7\u30e9\u30f3\uff08\u306f\u3058\u3081\u306e\u3075\u305f\u3064\uff09\u306f\u3001\u6708\u3005\u306e\u4fdd\u967a\u6599\u3082\u5b89\u304f\u3001\u6bd4\u8f03\u7684\u5065\u5eb7\u306b\u904e\u3054\u305b\u308b1\u5e74\u306e\u5834\u5408\u306f\u304b\u306a\u308a\u304a\u5f97\u306a\u30d7\u30e9\u30f3\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u3061\u3087\u3063\u3068\u5927\u304d\u306a\u75c5\u6c17\u3084\u602a\u6211\u3092\u3057\u3066\u624b\u8853\u3084\u5165\u9662\u3068\u306a\u308b\u3068\u3001\u7dcf\u30b3\u30b9\u30c8\u306f\u91cd\u304f\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306eHigh Deductible\u30d7\u30e9\u30f3\u3067\u306f\u3001\u533b\u7642\u8cbb\u304c\u81a8\u308c\u4e0a\u304c\u3063\u305f\u3068\u304d\u306b\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u88dc\u511f\u306f\u3055\u308c\u308b\u3082\u306e\u306e\u3001Out-of-pocket maximum\u304c\u9ad8\u304f\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u304c\u305f\u3081\u306b\u3001\u81ea\u5df1\u8ca0\u62c5\u5206\u304c\u304b\u306a\u308a\u91cd\u304f\u306a\u308b\u308f\u3051\u3067\u3059\u3002\u3053\u308c\u306b\u5bfe\u3057\u3001Health Net HMO\u306f\u4fdd\u967a\u6599\u3068\u3057\u3066\u4e00\u756a\u9ad8\u984d\u3067\u3059\u304c\u3001Out-of-pocket maximum\u304c\u4f4e\u304f\u4e07\u304c\u4e00\u306e\u3068\u304d\u533b\u7642\u8cbb\u304c\u81a8\u308c\u4e0a\u304c\u3063\u3066\u3082\u88dc\u511f\u304c\u304d\u3061\u3093\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3002<\/p>\n Core\u30d7\u30e9\u30f3\u306b\u3064\u3044\u3066\u4e00\u8a00\u4ed8\u3051\u52a0\u3048\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u8868\u3067\u306f\u3053\u306e\u30d7\u30e9\u30f3\u3001\u81ea\u5df1\u8ca0\u62c5\u4fdd\u967a\u6599\u3082$0\u3060\u3057\u3001\u624b\u8853\u3092\u3057\u3066\u3082$7600\u3067\u6e08\u3080\u306a\u3089\u306a\u304b\u306a\u304b\u304a\u5f97\u306e\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u306d\u3002\u3067\u3082\u3001\u3072\u3068\u3064\u6ce8\u610f\u3057\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u306e\u306f\u3001\u3053\u306e\u30d7\u30e9\u30f3\u306eDeductible\u306f\u3072\u3068\u308a\u306b\u3064\u304d<\/span>$3000\u3060\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u540c\u69d8\u306bOut-of-pocket maximum\u3082\u3072\u3068\u308a\u306b\u3064\u304d<\/span>$7600\u3067\u3059\u3002\u3068\u306a\u308b\u3068\u3001\u5bb6\u65cf4\u4eba\u304c\u307f\u3093\u306a\u5927\u304d\u3081\u306e\u75c5\u6c17\u3092\u3057\u305f\u308a\u3001\u9ad8\u984d\u306e\u51e6\u65b9\u7b8b\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u308a\u3057\u305f\u5834\u5408\u3001Deductible\u3060\u3051\u3067\u3082\u6700\u9ad8\u3067$3000×4=$12,000\u307e\u3067\u306f\u81ea\u5df1\u8ca0\u62c5\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u307e\u3001\u3053\u3093\u306a\u3053\u3068\u306f\u306a\u304b\u306a\u304b\u8d77\u3053\u308a\u3048\u306a\u3044\u3067\u3057\u3087\u3046\u304c\u3001\u30a2\u30e1\u30ea\u30ab\u306f\u5951\u7d04\u793e\u4f1a\u3001\u7d30\u304b\u3044\u6761\u4ef6\u307e\u3067\u304d\u3061\u3093\u3068\u76ee\u3092\u901a\u3057\u3066\u304a\u304d\u305f\u3044\u3067\u3059\u306d\u3002<\/p>\n \u3053\u3053\u3067\u4e3b\u4eba\u3092\u3064\u3064\u3044\u3066\u76f8\u8ac7\u3002\u8868\u3092\u773a\u3081\u305f\u3042\u3068\u3067\u3001\u300c\u3046\uff5e\u3093\u3001\u78ba\u304b\u306bHigh Deductible\u30d7\u30e9\u30f3\u3067\u5e74\u9593\u6570\u5343\u30c9\u30eb\u6d6e\u304f\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3068\u3044\u308f\u308c\u308c\u3070\u9b45\u529b\u3060\u3051\u3069\u3001\u4fdd\u967a\u3068\u3044\u3046\u306e\u306f\u4e07\u304c\u4e00\u306e\u3068\u304d\u306e\u305f\u3081\u306b\u3042\u308b\u3082\u306e\u3002\u666e\u6bb5\u306f\u5065\u5eb7\u3067\u3082\u3001\u3069\u3093\u306a\u75c5\u6c17\u3084\u4e8b\u6545\u306b\u3042\u3046\u304b\u306f\u308f\u304b\u3089\u306a\u3044\u3057\u3001\u3082\u3057\u3082\u306e\u3068\u304d\u306e\u88dc\u511f\u304c\u304d\u3061\u3093\u3068\u3057\u3066\u3044\u308b\u3082\u306e\u306e\u307b\u3046\u304c\u3044\u3044\u3093\u3058\u3083\u306a\u3044\u306e<\/strong>\u300d\u3068\u4e3b\u4eba\u3002\u300c\u6708\u3005\u306b\u76f4\u3057\u3066$100\u3001$200\u306e\u7bc0\u7d04\u306a\u3089\u3070\u3001\u4fdd\u967a\u3067\u306f\u306a\u304f\u3066\u3001\u96fb\u8a71\u6599\u91d1\u3084\u30b1\u30fc\u30d6\u30eb\u4ee3\u306e\u898b\u76f4\u3057\u3092\u3059\u3079\u304d\u3058\u3083\u306a\u3044\u304b\u306a\u300d\u3068\u7d9a\u3051\u305f\u4e3b\u4eba\u3002\u3075\uff5e\u3093\u3001\u305f\u307e\u306b\u306f\u3044\u3044\u3053\u3068\u8a00\u3046\u3058\u3083\u3093\u3068\u540c\u611f\u306e\u308f\u305f\u3057\u3002\u5065\u5eb7\u4fdd\u967a\u3078\u671f\u5f85\u3059\u308b\u3082\u306e\u306f\u4eba\u305d\u308c\u305e\u308c\u3067\u3059\u304b\u3089\u3001\u308f\u305f\u3057\u305f\u3061\u306e\u6c7a\u65ad\u304c\u5fc5\u305a\u3057\u3082\u307f\u306a\u3055\u3093\u306b\u3068\u3063\u3066\u30d9\u30b9\u30c8\u3067\u306f\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306e\u3067\u3042\u3057\u304b\u3089\u305a\u3002\u3068\u308a\u3042\u3048\u305a\u6211\u304c\u5bb6\u306e2012\u5e74\u5ea6\u306e\u5065\u5eb7\u4fdd\u967a\u306f\u3001Health Net HMO\u3067\u73fe\u72b6\u7dad\u6301\u3068\u306a\u3063\u305f\u308f\u3051\u3067\u3057\u305f\u3002\uff08\u3046\uff5e\u3001\u3053\u3093\u306a\u3053\u3068\u6bce\u5e74\u7e70\u308a\u8fd4\u3057\u305f\u304f\u306a\uff5e\u3044\uff01\u2026\u3068\u601d\u3046\u306e\u306f\u79c1\u3060\u3051\u3067\u306f\u306a\u3044\u306f\u305a\u2026\uff09<\/p>\n","protected":false},"excerpt":{"rendered":" \u5065\u5eb7\u4fdd\u967a\u3092\u3069\u3046\u3084\u3063\u3066\u9078\u3093\u3060\u3089\u3044\u3044\u306e\u304b\u60a9\u307f\u4e2d\u306e\u6211\u304c\u5bb6\u3002\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308b\u5065\u5eb7\u4fdd\u967a\u306b\u3064\u3044\u3066\u306f\u3001\u7fcc\u5e74\u306b\u52a0\u5165\u3059\u308b\u30d7\u30e9\u30f3\u3092\u30aa\u30fc\u30d7\u30f3 \u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u3068\u3044\u3046\u671f\u9593\uff08\u96c7\u7528\u4e3b\u306b\u3088\u308b\u304c\u3001\u901a\u5e38\uff19\u6708\u672b\u304b\u308911\u6708\u534a\u3070\u304f\u3089\u3044\u307e\u3067\uff09\u306b\u9078\u3076\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u306d\u3002\u3067\u304d\u308c\u3070\u3001\u4e00\u5ea6\u52a0\u5165\u3057\u305f\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u305a\u3063\u3068\u6301\u3061\u7d9a\u3051\u308b\u306e\u304c\u4e00\u756a\u7c21\u5358\u3067\u52b9\u7387\u7684\u3060\u3068\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u304c\u306a\u304b\u306a\u304b\u96e3\u3057\u304f\u306a\u3063\u3066\u304d\u3066\u3044\u308b\u6628\u4eca\u3067\u3059\u3002\u306a\u305c\u306a\u3089\u3001\u6bce\u5e74\u6bce\u5e74\u3001\u4fdd\u967a\u306e\u30d7\u30e9\u30f3\u306e\u5185\u5bb9\u304c\u5909\u66f4\u3055\u308c\u308b\u3057…<\/p>\n","protected":false},"author":1,"featured_media":4020,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[8],"tags":[42,73],"class_list":["post-413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","tag-choosing-insurance","tag-healthinsurance"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-robot.jpeg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-6F","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/413","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=413"}],"version-history":[{"count":5,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/413\/revisions"}],"predecessor-version":[{"id":435,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/413\/revisions\/435"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4020"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u5065\u5eb7\u306a\u4e00\u5e74\u306e\u5834\u5408\u3000<\/h2>\n\u5b9a\u671f\u5065\u8a3a\uff0b\u53d7\u8a3a2\u56de\uff0b\u51e6\u65b9\u7b8b\u5229\u75282\u56de\u3060\u3051\t<\/span>\n\n
\n\n
\n\t \n<\/td> Core<\/th> Anthem PPO
\r\n+HRA(\u96c7\u7528\u4e3b\u304b\u3089$2000)
\r\n<\/th>Health Net HMO<\/th>\n<\/tr>\n<\/thead>\n \n\t \u5e74\u9593\u4fdd\u967a\u6599
\r\n<\/td>$0<\/td> $3,816
\r\n<\/td>$4,800
\r\n<\/td>\n<\/tr>\n\n\t Preventive visits
\r\n<\/td>$0<\/td> $0<\/td> $0
\r\n<\/td>\n<\/tr>\n\n\t Office Visits\u3000$250\uff582\u56de
\r\n<\/td>$250x2=$500
\r\n<\/td>$0\u3000
\r\n(HRA\u304b\u3089$500)
\r\n<\/td>$15copay
\r\nx2=$30
\r\n<\/td>\n<\/tr>\n\n\t Prescription\u3000$100x2\u56de
\r\n<\/td>$100x2=$200
\r\n<\/td>$0\u3000
\r\n\uff08HRA\u304b\u3089$700)
\r\n<\/td>$20copay
\r\nx2=$40
\r\n<\/td>\n<\/tr>\n\n\t Out-of-pocket
\r\n<\/td>$700<\/td> $0<\/td> $70<\/td>\n<\/tr>\n \n\t \u5e74\u9593\u7dcf\u30b3\u30b9\u30c8\uff08\u4fdd\u967a\u6599\uff0bout-of-pocket\uff09<\/td> $700<\/td> $3,816
\r\n<\/td>$4,870
\r\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/strong><\/p>\n\u57fa\u672c\u7684\u306b\u5065\u5eb7\u3060\u3051\u3069\u3061\u3087\u3063\u3068\u30cf\u30d7\u30cb\u30f3\u30b0\u3042\u308a\u306e\u5834\u5408<\/h2>\n\u5b9a\u671f\u5065\u8a3a\uff0b\u53d7\u8a3a2\u56de\uff0b\u51e6\u65b9\u7b8b\u5229\u75282\u56de\uff0bER\u5229\u75281\u56de<\/span>\n\n
\n\n
\n\t \n<\/td> Core<\/th> Anthem PPO
\r\n+HRA(\u96c7\u7528\u4e3b\u304b\u3089$2000)<\/th>Health Net HMO<\/th>\n<\/tr>\n<\/thead>\n \n\t \u5e74\u9593\u4fdd\u967a\u6599<\/td> $0<\/td> $3,816<\/td> $4,800<\/td>\n<\/tr>\n \n\t Preventive visits <\/td> $0<\/td> $0<\/td> $0<\/td>\n<\/tr>\n \n\t Office Visits\u3000$250\uff582\u56de<\/td> $250x2=$500<\/td> $0\u3000
\r\n(HRA\u304b\u3089$500)<\/td>$15copayx2=$30<\/td>\n<\/tr>\n \n\t Prescription\u3000$100x2\u56de<\/td> $100x2=$200<\/td> $0\u3000
\r\n\uff08HRA\u304b\u3089$700)<\/td>$20copayx2=$40<\/td>\n<\/tr>\n \n\t ER $1500<\/td> $1,500<\/td> \uff041500-\uff04800\uff08HRA\u304b\u3089\uff09
\r\n=$700<\/td>$50<\/td>\n<\/tr>\n \n\t Out-of-pocket<\/td> $2,200<\/td> $700<\/td> $120<\/td>\n<\/tr>\n \n\t \u5e74\u9593\u7dcf\u30b3\u30b9\u30c8\uff08\u4fdd\u967a\u6599\uff0bout-of-pocket\uff09<\/td> $2,200<\/td> $4,516<\/td> $4,920<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/strong><\/p>\n \u5927\u304d\u306a\u624b\u8853\u3092\u3057\u3066\u3057\u307e\u3044\u307e\u3057\u305f\u306e\u5834\u5408<\/h2>\n\u5b9a\u671f\u5065\u8a3a\uff0b\u624b\u8853\u5165\u9662($30,000)<\/span>\n\n
\n\n
\n\t \n<\/td> Core<\/th> Anthem PPO
\r\n+HRA(\u96c7\u7528\u4e3b\u304b\u3089$2000)
\r\n<\/th>Health Net HMO<\/th>\n<\/tr>\n<\/thead>\n \n\t \u5e74\u9593\u4fdd\u967a\u6599<\/td> $0<\/td> $3,816<\/td> $4,800<\/td>\n<\/tr>\n \n\t Preventive visits <\/td> $0<\/td> $0<\/td> $0<\/td>\n<\/tr>\n \n\t Hospital Stay $30,000\u3000Deductible<\/td> $3,000<\/td> $3400
\r\n-$2000(HRA\u304b\u3089\uff09
\r\n=$1400<\/td>$0<\/td>\n<\/tr>\n \n\t Hospital Stay $30,000\u3000Coinsurance<\/td> ($30,000-$3000)
\r\nx20%=$5400<\/td>($30000-$3400)
\r\nx20%=$5320
\r\n
\r\n<\/td>$250<\/td>\n<\/tr>\n \n\t Hospital Stay\u3000\u7dcf\u30b3\u30b9\u30c8<\/td> $8,400<\/td> $6,720<\/td> $250<\/td>\n<\/tr>\n \n\t Out-of-pocket Max<\/td> $7,600<\/td> $10,000<\/td> $3,000<\/td>\n<\/tr>\n \n\t Out-of-pocket <\/td> $7,600<\/td> $6,720<\/td> $250<\/td>\n<\/tr>\n \n\t \u5e74\u9593\u7dcf\u30b3\u30b9\u30c8\uff08\u4fdd\u967a\u6599\uff0bout-of-pocket\uff09<\/td> $7,600<\/td> $10,536<\/td> $5,050
\r\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/strong><\/p>\n