{"id":5871,"date":"2022-03-15T06:00:00","date_gmt":"2022-03-15T14:00:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5871"},"modified":"2022-03-07T13:38:26","modified_gmt":"2022-03-07T21:38:26","slug":"%e9%95%b7%e6%9c%9f%e4%bb%8b%e8%ad%b7%e3%82%92%e3%81%a9%e3%81%86%e3%81%a8%e3%82%89%e3%81%88%e3%82%8b%e3%81%8b%ef%bc%88%ef%bc%92%ef%bc%89","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e9%95%b7%e6%9c%9f%e4%bb%8b%e8%ad%b7%e3%82%92%e3%81%a9%e3%81%86%e3%81%a8%e3%82%89%e3%81%88%e3%82%8b%e3%81%8b%ef%bc%88%ef%bc%92%ef%bc%89\/","title":{"rendered":"\u9577\u671f\u4ecb\u8b77\u3092\u3069\u3046\u3068\u3089\u3048\u308b\u304b\uff08\uff12\uff09"},"content":{"rendered":"\n

\u524d\u56de\u306e\u8a18\u4e8b\u3067\u3001US Department of Health and Human Services\u306e\u30ec\u30dd\u30fc\u30c8\u306b\u3088\u308b\u3068\u300165\u6b73\u4ee5\u4e0a\u306e\u751f\u6daf\u306b\u304a\u3044\u3066\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u304c\u767a\u751f\u3057\u306a\u3044\u30b1\u30fc\u30b9\u306f52\uff05\u3001\u751f\u6daf\u9577\u671f\u4ecb\u8b77\u30b3\u30b9\u30c8\u306e\u5168\u5e73\u5747\u306f$137,800\u3001\u305f\u3060\u3053\u308c\u306f\u5e73\u5747\u5024\u306a\u306e\u3067\u5927\u304d\u304f\u8cbb\u7528\u304c\u304b\u304b\u308b\u30b1\u30fc\u30b9\u3082\u5b58\u5728\u3059\u308b\u3053\u3068\u3001\u3055\u3089\u306b\u306f\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u306a\u304b\u306a\u304b\u6d78\u900f\u3057\u3066\u3044\u308b\u3068\u306f\u3044\u3048\u306a\u3044\u3053\u3068\u306a\u3069\u3092\u898b\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n\n\n\n

\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u306b\u5099\u3048\u308b\u305f\u3081\u306b\u306f\u3001\u9ad8\u6240\u5f97\u30fb\u9ad8\u8cc7\u7523\u306a\u3089Self-Insure\uff08\u81ea\u5206\u3067\u84c4\u3048\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u30ea\u30b9\u30af\u306b\u5099\u3048\u308b\uff09\u3001\u4f4e\u6240\u5f97\u30fb\u4f4e\u8cc7\u7523\u306a\u3089Medicaid\u3067\u30ab\u30d0\u30fc\u3055\u308c\u308b\u3088\u3046\u6e96\u5099\u3001\u305d\u306e\u9593\u306b\u4f4d\u7f6e\u3059\u308b\u4e2d\u6240\u5f97\u30fb\u4e2d\u8cc7\u7523\u306a\u3089\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u8cfc\u5165\u3092\u8003\u3048\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u3068\u3053\u308d\u304c\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306f\u6c7a\u3057\u3066\u5b89\u3044\u3082\u306e\u3067\u306f\u306a\u3044\u3053\u3068\u3001\u5e74\u3005\uff08\u5927\u304d\u304f\uff01\uff09\u5024\u4e0a\u304c\u308a\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u3001\u9014\u4e2d\u3067\u3084\u3081\u308b\u3068\u639b\u3051\u6368\u3066\u640d\u306b\u306a\u308a\u304b\u306d\u306a\u3044\u3053\u3068\u304c\u3042\u308a\u3001\u306a\u304b\u306a\u304b\u5e83\u304f\u666e\u53ca\u3059\u308b\u306b\u81f3\u3063\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u4e8b\u5b9f\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u524d\u56de\u3001\u8abf\u3079\u305f\u8868\u306f\u30012020\u5e74\u304b\u30892024\u5e74\u306b65\u6b73\u3092\u8fce\u3048\u308b\u4eba\u304c\u751f\u6daf\u306b\u304a\u3044\u3066\u5fc5\u8981\u3068\u306a\u308b\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u306f\u3069\u306e\u304f\u3089\u3044\u304b\u3092\u898b\u7a4d\u3082\u3063\u305f\u3082\u306e\u3067\u3057\u305f\u304c\u3001\u4eca\u56de\u306f\u3001\u6240\u5f97\u5c64\u3054\u3068\u306b\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u3068\u3057\u3066\u3069\u306e\u3044\u304f\u3089\u3044\u3092Out-of-pocket\uff08\u81ea\u5df1\u8ca0\u62c5\uff09\u3067\u652f\u6255\u3063\u3066\u3044\u308b\u304b\u3092\u307e\u3068\u3081\u305f\u8868\u3092\u541f\u5473\u3057\u3066\u307f\u307e\u3059\u3002<\/p>\n\n\n\n

\"\"<\/a><\/figure><\/div>\n\n\n\n
<\/div>\n\n\n\n

\u3053\u3053\u304b\u3089\u308f\u304b\u308b\u3053\u3068\u306f<\/p>\n\n\n\n

Out-of-pocket\uff08\u81ea\u5df1\u8ca0\u62c5\uff09\u306e\u5168\u4f53\u306e\u5e73\u5747\u5024\u306f$77,000\u7a0b\u5ea6\u3002\u305f\u3060\u3057\u3001\u4e2d\u4f4e\u6240\u5f97\u4ee5\u4e0b\u3067\u306fMedicaid\u306a\u3069\u304b\u3089\u306e\u62e0\u51fa\u304c\u591a\u3044\u3053\u3068\u3001\u4e2d\u6240\u5f97\u4ee5\u4e0a\u3067\u306f\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306a\u3069\u304b\u3089\u306e\u30ab\u30d0\u30fc\u3082\u3042\u308b\u306e\u3067\u3001\u3053\u306e\u81ea\u5df1\u8ca0\u62c5\u306e\u984d\u306f\u6240\u5f97\u5c64\u306b\u3088\u3063\u3066\u304b\u306a\u308a\u5dee\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u6240\u5f97\u5c64\u306b\u3082\u3088\u308a\u307e\u3059\u304c53\uff05\u304b\u308969%\u306b\u304a\u3044\u3066\u81ea\u5df1\u8ca0\u62c5\u306e\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u304c\u767a\u751f\u3057\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u7d50\u679c\u3067\u3059\u3002\u81ea\u5df1\u8ca0\u62c5\u984d\u306f\u6240\u5f97\u304c\u4e0a\u304c\u308b\u306b\u3064\u308c\u3066\u591a\u304f\u306a\u308a\u307e\u3059\u3002\u4e2d\u9ad8\u6240\u5f97\u3067\u306f\u5e73\u5747$82,000\u3001\u9ad8\u6240\u5f97\u3067\u306f$121,000\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u81ea\u5df1\u8ca0\u62c5\u304c\u767a\u751f\u3057\u3066\u3044\u3066\u3082\u3001\u305d\u306e\u534a\u6570\u3061\u304b\u304f\u306f$100,000\u4ee5\u4e0b\u306e\u8ca0\u62c5\u3067\u6e08\u3093\u3067\u3044\u307e\u3059\u304c\u3001\u4e2d\u6240\u5f97\u4ee5\u4e0a\u3067\u306f$250,000\u4ee5\u4e0a\u306e\u8ca0\u62c5\u3082\u591a\u3044\u3067\u3059\u3002<\/p>\n\n\n\n

\u305f\u3068\u3048\u3070\u9ad8\u6240\u5f97\u5c64\u3092\u898b\u305f\u5834\u5408\u3001\u81ea\u5df1\u8ca0\u62c5\u304c\u30bc\u30ed\u306e\u4eba\u304c\u591a\u3044\u3046\u3048(53%)\u300172\uff05\u304c\u81ea\u5df1\u8ca0\u62c5\u304c$100,000\u4ee5\u4e0b\u3060\u3068\u3057\u3066\u3044\u308b\u5272\u306b\u306f\u3001\u5e73\u5747\u5024\u304c$121,00\u3067\u3042\u308b\u3053\u3068\u3092\u8003\u3048\u308b\u3068\u3001\u81ea\u5df1\u8ca0\u62c5\u304c\u767a\u751f\u3059\u308b\u5834\u5408\u306b\u306f\u591a\u984d\u304c\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002\u60f3\u50cf\u3059\u308b\u306b\u9ad8\u6240\u5f97\u8005\u306f\u3001\u81ea\u5df1\u8cc7\u91d1\u304c\u8c4a\u304b\u3067\u9ad8\u30b3\u30b9\u30c8\u9ad8\u30b5\u30fc\u30d3\u30b9\u306e\u30ea\u30bf\u30a4\u30a2\u30e4\u30e1\u30f3\u30c8\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u30fc\u306a\u3069\u3092\u4f7f\u3046\u306e\u304b\u3089\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

\u9ad8\u6240\u5f97\u5c64\u306a\u3089$250,000\u4ee5\u4e0a\u306e\u81ea\u5df1\u8ca0\u62c5\u984d\u3067\u3082\u5bfe\u5fdc\u3067\u304d\u308b\u8cc7\u91d1\u304c\u3042\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3068\u3044\u3048\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u540c\u69d8\u306b\u4e2d\/\u4e2d\u9ad8\u6240\u5f97\u3067\u3082$250,000\u4ee5\u4e0a\u306e\u81ea\u5df1\u8ca0\u62c5\u304c\u3042\u308b\u6bd4\u7387\u304c10\uff05\u4ee5\u4e0a\u3042\u308b\u306e\u306f\u5fc3\u914d\u3067\u3059\u3002<\/p>\n\n\n\n

\u305d\u3082\u305d\u3082\u4fdd\u967a\u3068\u3044\u3046\u306e\u306f\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u51fa\u8cbb\u306f\u306a\u3093\u3068\u304b\u5451\u307f\u8fbc\u3081\u305f\u3068\u3057\u3066\u3082\u3001\u3042\u307e\u308a\u306b\u5927\u304d\u306a\uff08\u3042\u307e\u308a\u306b\u9577\u5f15\u304f\uff09\u8cbb\u7528\u3084\u91d1\u92ad\u7684\u30c0\u30e1\u30fc\u30b8\u304c\u767a\u751f\u3057\u305f\u5834\u5408\u306b\u3001\u5bb6\u8a08\u304c\u7acb\u3061\u884c\u304b\u306a\u304f\u306a\u308b\u3053\u3068\u304c\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u305f\u3081\u306e\u3082\u306e\u3067\u3059\u3002\u305d\u3046\u8003\u3048\u308b\u3068\u3001\u300c\u4ecb\u8b77\u304c\u5fc5\u8981\u306a\u72b6\u614b\u304c90\u65e5\u3092\u8d85\u3048\u305f\u3089\u4e00\u65e5$100\u88dc\u511f\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u4e2d\u9014\u534a\u7aef\u306a\u751f\u306c\u308b\u3044\u30bf\u30a4\u30d7\u3088\u308a\u306f\u3001\u300c\u4ecb\u8b77\u304c\u9577\u5f15\u304d\u8ca0\u62c5\u304c$300,000\u3092\u8d85\u3048\u305f\u3089$100,000\u88dc\u511f\u300d\u306a\u3069\u306e\u3088\u3046\u306b\u4e0a\u65b9\u30ea\u30b9\u30af\u3092\u3057\u3063\u304b\u308a\u88dc\u511f\u3057\u3066\u304f\u308c\u308b\u3088\u3046\u306a\u3082\u306e\u306e\u307b\u3046\u304c\u671b\u307e\u3057\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u4e2d\u9014\u534a\u7aef\u306a\u30bf\u30a4\u30d7\u3067\u9ad8\u3044\u4fdd\u967a\u6599\u304c\u3069\u3093\u3069\u3093\u5024\u4e0a\u304c\u308a\u3059\u308b\u3082\u306e\u3088\u308a\u306f\u3001\u4e0a\u65b9\u30ea\u30b9\u30af\u3060\u3051\u3092\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3057\u3067\u304d\u308b\u3060\u3051\u4f4e\u4fdd\u967a\u6599\u304c\u671b\u307e\u3057\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u3061\u3087\u3063\u3068\u8a08\u7b97\u3057\u3066\u307f\u308b\u3068\u30fb\u30fb<\/p>\n\n\n\n

\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f50\u4ee3\u306b\u8cfc\u5165\u3092\u8003\u616e\u3059\u308b\u306e\u304c\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u3067\u3059\u300250\u6b73\u524d\u3060\u3068\u639b\u3051\u91d1\u306f\u5b89\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u4fdd\u967a\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u4f7f\u3046\u307e\u3067\u306e\u671f\u9593\u304c\u3042\u307e\u308a\u306b\u9577\u671f\u9593\u3067\u3001\u5927\u5909\u9577\u3044\u9593\u4fdd\u967a\u6599\u3092\u304b\u3051\u7d9a\u3051\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3053\u3068\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u8ca1\u52d9\u72b6\u6cc1\u304c\u5909\u308f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u306a\u3069\u3092\u8003\u616e\u3059\u308b\u3068\u300155\u6b73\u3042\u305f\u308a\u3067\u305d\u306e\u6642\u306e\u8cc7\u7523\u3084\u53ce\u5165\u3092\u8003\u3048\u4fdd\u967a\u8cfc\u5165\u3092\u8003\u3048\u308b\u306e\u304c\u30d9\u30b9\u30c8\u304b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u3088\u304f\u3042\u308b\u76ee\u5b89\u3068\u3057\u3066\u306e\u30e2\u30c7\u30eb\u30b1\u30fc\u30b9\u3067\u306f\u300155\u6b73\u306e\u7537\u6027\u3067\u88dc\u511f\u9650\u5ea6\u304c$164,000\uff08\u4e00\u65e5$150\uff58\u6700\u9ad8\u30673\u5e74\u307e\u3067\u3002\u30a4\u30f3\u30d5\u30ec\uff13\uff05\/\u5e74\u3067\u88dc\u511f\u984d\u306f\u5897\u984d\uff09\u306e\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u304c\u5e74\u9593\u4fdd\u967a\u6599$1,700\u7a0b\u5ea6\u3067\u3059\u300285\u6b73\u30673\u5e74\u9593\u306e\u9577\u671f\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u5834\u5408\u3001\u30a4\u30f3\u30d5\u30ec\u8abf\u6574\u5f8c\u30c8\u30fc\u30bf\u30eb$386,500\u306e\u88dc\u511f\u304c\u53d7\u3051\u3089\u308c\u307e\u3059\u3002\u3082\u3057\u4ecb\u8b77\u304c1\u5e74\u3057\u304b\u5fc5\u8981\u3067\u306a\u3051\u308c\u3070\u305d\u306e1\/3\u306e$129,000\u306e\u88dc\u511f\u3067\u3059\u3002<\/p>\n\n\n\n

\u3053\u306e\u4ecb\u8b77\u4fdd\u967a\u306e\u5e74\u3005\u306e\u4fdd\u967a\u6599\u304c\u3069\u306e\u3088\u3046\u306b\u5897\u3048\u3066\u3044\u304f\u304b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u304c\u3001\u305f\u3068\u3048\u3070\u5e74\u3005\uff13\uff05\u305a\u3064\u5024\u4e0a\u3052\u306b\u306a\u3063\u305f\u3068\u3057\u3066\u3053\u306e\u4fdd\u967a\u309285\u6b73\u307e\u3067\u6255\u3063\u305f\u3068\u3057\u3066\u307f\u307e\u3059\u3002\u5e74\u30053\uff05\u305a\u3064\u5897\u3048\u308b\u4fdd\u967a\u6599\u309285\u6b73\u307e\u3067\u6255\u3044\u7d9a\u3051\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u305d\u306e\u4ee3\u308f\u308a\u306b\u4fdd\u967a\u3092\u8cb7\u308f\u305a\u81ea\u5206\u3067\u8cc7\u91d1\u6e96\u5099\u3092\u3057\u305f\u3068\u3057\u305f\u3089\u3069\u3046\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u4fdd\u967a\u6599\u76f8\u5f53\u5206\u3092\u81ea\u5206\u3067\u6295\u8cc7\u904b\u7528\u3057\u305f\u3068\u3057\u307e\u3059\u3002\u305f\u3068\u3048\u30704.\uff15\uff05\u3067\u904b\u7528\u3067\u304d\u305f\u3068\u3059\u308b\u306885\u6b73\u6642\u306b\u306f$156,100\u306e\u8cc7\u7523\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u81ea\u5206\u3067\u6e96\u5099\u3057\u305f$156,100\u306e\u8cc7\u7523\u3092\u3068\u308b\u304b\u3001\u4fdd\u967a\u3092\u8cb7\u3063\u3066\u6700\u59273\u5e74\u9593\u3067$386,500\uff081\u5e74\u306a\u3089$129,000\u3001\u534a\u5e74\u306a\u3089$64,500\u3001\u5168\u304f\u4ecb\u8b77\u304c\u5fc5\u8981\u306a\u3051\u308c\u3070$0)\u306e\u88dc\u511f\u3092\u3068\u308b\u304b\u306e\u9078\u629e\u3067\u3059\u3002\u4fdd\u967a\u3092\u8cb7\u3063\u305f\u307b\u3046\u304c\u7d76\u5bfe\u5b89\u5fc3\u3068\u3044\u3046\u307b\u3069\u306e\u5287\u7684\u306a\u6570\u5b57\u4e0a\u306e\u5dee\u304c\u306a\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u305b\u3093\u304b\uff1f<\/p>\n\n\n\n

\u3053\u308c\u304c\u5e74\u9593$1,700\u306e\u4fdd\u967a\u6599\u306e\u4ee3\u308f\u308a\u306b1\/3\u306e$570\u306e\u4fdd\u967a\u6599\u3067\u3001\u5e74\u3005\u306e\u4fdd\u967a\u6599\u5024\u4e0a\u304c\u308a\u306f\u540c\u69d8\u306b3\uff05\u7a0b\u5ea6\u3001\u4ecb\u8b77\u8cbb\u7528\u304c$200,000\u3092\u8d85\u3048\u305f\u3089\u521d\u3081\u3066\u88dc\u511f\u304c\u59cb\u307e\u308b($200,000\u672a\u6e80\u306a\u3089\u5168\u984d\u81ea\u5df1\u8ca0\u62c5\u3001$200,000\u4ee5\u4e0a\u306f\u81ea\u5df1\u8ca0\u62c5\u304c\u5168\u304f\u306a\u304f\u306a\u308b)\u4fdd\u967a\u304c\u3042\u3063\u305f\u3068\u3057\u305f\u3089\u3069\u3046\u3067\u3057\u3087\u3046\u3002\u81ea\u5206\u3067\u8caf\u3081\u308b$52,300\uff08$570\u30924.5%\u904b\u7528\uff09\u3092\u3068\u308b\u304b\u3001$200,000\u4ee5\u4e0a\u306f\u7d76\u5bfe\u81ea\u5df1\u8ca0\u62c5\u304c\u306a\u3044\u3068\u3044\u3046\u5b89\u5fc3\u4fdd\u8a3c\u3092\u3068\u308b\u304b\u306e\u9078\u629e\u306b\u306a\u308a\u3001\u3053\u306e\u7a0b\u5ea6\u306e\u5dee\u304c\u3042\u308c\u3070\u4fdd\u967a\u3092\u8cb7\u304a\u3046\u304b\u3068\u3044\u3046\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u305b\u3093\u304b\u306d\uff1f<\/p>\n\n\n\n

\u307e\u3042\u3001\u3053\u308c\u306f\u79c1\u304c\u52dd\u624b\u306b\u4f5c\u3063\u305f\u30b7\u30ca\u30ea\u30aa\u306a\u306e\u3067\u3001\u304d\u3061\u3093\u3068\u4fdd\u967a\u306e\u5229\u76ca\u8a08\u7b97\u3057\u305f\u3089\u3053\u3046\u306a\u3089\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u4eca\u306e\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u73fe\u72b6\u3092\u898b\u308b\u306b\u3001\u300c\u6c7a\u5b9a\u7684\u306b\u4fdd\u967a\u3092\u8cb7\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u300d\u3068\u8e0f\u307f\u5207\u308b\u3060\u3051\u306e\u6570\u5b57\u7684\u306a\u6839\u62e0\u304c\u4e4f\u3057\u3044\u6c17\u304c\u3059\u308b\u306e\u3067\u3059\u3002\u3042\u308b\u7a0b\u5ea6\u8cc7\u7523\u529b\u304c\u3042\u308b\u4eba\u306a\u3089\u78ba\u7387\u7684\u306bSelf-Insure\u306e\u307b\u3046\u304c\u300c\u5206\u300d\u304c\u3088\u3055\u305d\u3046\u3068\u3044\u3046\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3\u306f\u3084\u306f\u308a\u5f53\u3066\u306f\u307e\u308b\u3088\u3046\u306b\u611f\u3058\u307e\u3059\u3002\u307e\u305f\u3001Self-Insure\u304c\u96e3\u3057\u3044\u4eba\u3068\u601d\u308f\u308c\u308b\u5834\u5408\u306b\u306f\u3001\u4e2d\u9014\u534a\u7aef\u306a\u88dc\u511f\u3092\u9ad8\u3044\u4fdd\u967a\u6599\u3067\u8cb7\u3046\u3088\u308a\u306f\u3001\u3042\u308b\u4e00\u5b9a\u4e0a\u306e\u81ea\u5df1\u8ca0\u62c5\u304c\u767a\u751f\u3057\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u3060\u3051\u3092\u30ab\u30d0\u30fc\u3059\u308b\u306a\u308b\u3079\u304f\u5b89\u3044\u4fdd\u967a\u3092\u8cb7\u3046\u307b\u3046\u304c\u7406\u306b\u9069\u3046\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u306e\u3088\u3046\u306a\u4fdd\u967a\u304c\u306a\u304b\u306a\u304b\u306a\u3044\u306e\u304c\u554f\u984c\u3067\u3059\u304c\u3001\u6700\u8fd1\u3067\u306f\u751f\u547d\u4fdd\u967a\u3084\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u4ecb\u8b77\u4fdd\u967a\u6a5f\u80fd\u304c\u5408\u308f\u3055\u3063\u305f\u3082\u306e\u3082\u3042\u308b\u306e\u3067\u3001\u3067\u304d\u308b\u3060\u3051\u9593\u53e3\u3092\u5e83\u3052\u3066\u307f\u3066\u307f\u308b\u4fa1\u5024\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n

2\u56de\u306b\u308f\u305f\u3063\u3066US Department of Health and Human Services\u306e\u30ec\u30dd\u30fc\u30c8\u3092\u8abf\u3079\u3066\u304d\u3066\u3073\u3063\u304f\u308a\u3057\u305f\u306e\u306f\u3001\u300c\u5168\u4f53\u306e52\uff05\u306f\u9577\u671f\u4ecb\u8b77\u306e\u30c8\u30fc\u30bf\u30eb\u30b3\u30b9\u30c8\u304c$0\u300d\u3068\u3044\u3046\u90e8\u5206\u3067\u3059\u3002\u534a\u6570\u4ee5\u4e0a\u304c\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u306e\u767a\u751f\u304c\u306a\u3044\u30fb\u30fb\u3068\u306f\u3001\u3061\u3087\u3063\u3068\u4fe1\u3058\u304c\u305f\u3044\u601d\u3044\u3067\u3059\u3002\u307e\u305a\u9577\u671f\u4ecb\u8b77\u8981\u306e\u5b9a\u7fa9\u304c\u3001\u300cActivities of Daily Living (ADL)\u3067\u898f\u5b9a\u3055\u308c\u305f\uff16\u3064\u306e\u57fa\u672c\u30a2\u30af\u30c6\u30a3\u30d3\u30c6\u30a3\uff08\u5165\u6d74\u3001\u7740\u66ff\u3048\u3001\u98df\u4e8b\u3001\u6b69\u884c\u3001\u8eab\u306e\u56de\u308a\u306e\u885b\u751f\u3001\u6392\u6cc4\uff09\u306e\u3046\u3061\u5c11\u306a\u304f\u3068\u3082\uff12\u3064\u304c\u3067\u304d\u306a\u304f\u306a\u3063\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u8a8d\u77e5\u4e0a\u306e\u554f\u984c\u304c\u8d77\u308a\u89b3\u5bdf\u30fb\u898b\u5b88\u308a\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u308a\u3067\u3001\u305d\u308c\u3089\u304c90\u65e5\u4ee5\u4e0a\u7d99\u7d9a\u3057\u305f\u5834\u5408\u300d\u3067\u3042\u308b\u306e\u3067\u3001\u6bd4\u8f03\u7684\u8efd\u5ea6\u306e\u4ecb\u8b77\u72b6\u614b\u308490\u65e5\u7d99\u7d9a\u3057\u306a\u3044\u3082\u306e\u306f\u7701\u304b\u308c\u3066\u3044\u308b\u3053\u3068\u306b\u4e00\u56e0\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u8eca\u3044\u3059\u3001\u30a6\u30a9\u30fc\u30ab\u30fc\u3001\u624b\u3059\u308a\u3001\u30e9\u30f3\u30d7\u3001\u30ab\u30eb\u30fc\u30c6\u30eb\u306a\u3069\u306e\u6a5f\u6750\u3001\u30c4\u30fc\u30eb\u3092\u4f7f\u3063\u3066\u4ecb\u8b77\u30cb\u30fc\u30ba\u304c\u7de9\u548c\u3067\u304d\u308b\u5834\u5408\u306f\u3001\u3053\u306e\u30ec\u30dd\u30fc\u30c8\u3067\u306f\u4ecb\u8b77\u8981\u3068\u307f\u306a\u3057\u3066\u3044\u306a\u3044\u3068\u66f8\u3044\u3066\u3042\u308a\u307e\u3059\u3002\u3055\u3089\u306b\u306f\u3001\u5bb6\u65cf\u3084\u53cb\u4eba\u306b\u3088\u308b\u30b1\u30a2\u306f\u4e00\u90e8\u3057\u304b\u30b3\u30b9\u30c8\u3068\u3057\u3066\u8003\u616e\u3055\u308c\u3066\u3044\u306a\u3044\u3068\u3082\u66f8\u3044\u3066\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

\u3088\u3063\u3066\u3001\u300c\u9577\u671f\u4ecb\u8b77\u306e\u30c8\u30fc\u30bf\u30eb\u30b3\u30b9\u30c8\u304c$0\u300d\u306e52%\u306e\u88cf\u306b\u306f\u3001\u6b69\u884c\u304c\u56f0\u96e3\u306b\u306a\u3063\u3066\u30a6\u30a9\u30fc\u30ab\u30fc\u3092\u4f7f\u3063\u3066\u3044\u305f\u308a\u3001\u8a8d\u77e5\u75c7\u72b6\u304c\u3042\u308a\u5bb6\u65cf\u306e\u30d8\u30eb\u30d7\u3092\u53d7\u3051\u3066\u751f\u6d3b\u3057\u3066\u3044\u308b\u591a\u304f\u306e\u30b1\u30fc\u30b9\u306f\u542b\u3081\u3089\u308c\u3066\u3044\u306a\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u30b1\u30fc\u30b9\u306f\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u9577\u671f\u4ecb\u8b77\u306e\u5b9a\u7fa9\u306b\u3082\u5f53\u3066\u306f\u307e\u3089\u306a\u3044\u305f\u3081\u3001\u305f\u3068\u3048\u4fdd\u967a\u3092\u8cfc\u5165\u3057\u3066\u3044\u3066\u3082\u88dc\u511f\u306e\u9069\u7528\u7bc4\u56f2\u5916\u3068\u3055\u308c\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u90e8\u5206\u3067\u3082\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u8001\u5f8c\u8cc7\u7523\u306e\u6e96\u5099\u3001\u4fdd\u967a\u306e\u8cfc\u5165\u3068\u306a\u3089\u3093\u3067\u3001\u5bb6\u65cf\u3084\u53cb\u4eba\u3092\u5927\u5207\u306b\u3057\u3001\u5fc5\u8981\u306a\u6642\u306f\u305d\u3053\u3053\u3053\u3067\u30d8\u30eb\u30d7\u3057\u3066\u3082\u3089\u3048\u308b\u3088\u3044\u95a2\u4fc2\u3092\u4f5c\u3063\u3066\u304a\u304f\u3053\u3068\u3082\u5927\u5909\u5927\u4e8b\u306a\u3053\u3068\u306e\u3088\u3046\u306b\u601d\u3046\u306e\u3067\u3057\u305f\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u524d\u56de\u306e\u8a18\u4e8b\u3067\u3001US Department of Health and Human Services\u306e\u30ec\u30dd\u30fc\u30c8\u306b\u3088\u308b\u3068\u300165\u6b73\u4ee5\u4e0a\u306e\u751f\u6daf\u306b\u304a\u3044\u3066\u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u304c\u767a\u751f\u3057\u306a\u3044\u30b1\u30fc\u30b9\u306f52\uff05\u3001\u751f\u6daf\u9577\u671f\u4ecb\u8b77\u30b3\u30b9\u30c8\u306e\u5168\u5e73\u5747\u306f$137,800\u3001\u305f\u3060\u3053\u308c\u306f\u5e73\u5747\u5024\u306a\u306e\u3067\u5927\u304d\u304f\u8cbb\u7528\u304c\u304b\u304b\u308b\u30b1\u30fc\u30b9\u3082\u5b58\u5728\u3059\u308b\u3053\u3068\u3001\u3055\u3089\u306b\u306f\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u306a\u304b\u306a\u304b\u6d78\u900f\u3057\u3066\u3044\u308b\u3068\u306f\u3044\u3048\u306a\u3044\u3053\u3068\u306a\u3069\u3092\u898b\u3066\u307f\u307e\u3057\u305f\u3002 \u9577\u671f\u4ecb\u8b77\u8cbb\u7528\u306b\u5099\u3048\u308b\u305f\u3081\u306b\u306f\u3001\u9ad8\u6240\u5f97\u30fb\u9ad8\u8cc7\u7523\u306a\u3089Self-Insure\uff08\u81ea\u5206\u3067\u84c4\u3048\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u30ea\u30b9\u30af\u306b\u5099\u3048\u308b\uff09\u3001\u4f4e\u6240\u5f97\u30fb\u4f4e\u8cc7\u7523\u306a\u3089Medicaid\u3067\u30ab\u30d0\u30fc\u3055\u308c\u308b\u3088\u3046\u6e96\u5099\u3001\u305d\u306e\u9593\u306b\u4f4d\u7f6e\u3059\u308b\u4e2d\u6240\u5f97\u30fb\u4e2d\u8cc7\u7523\u306a\u3089\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u8cfc\u5165\u3092\u8003\u3048 …<\/p>\n","protected":false},"author":1,"featured_media":3960,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"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":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[7,38],"tags":[],"class_list":["post-5871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hoken","category-retirement"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-arm-wresting-with-dallar-bill-bet.jpg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1wH","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5871","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=5871"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5871\/revisions"}],"predecessor-version":[{"id":5873,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5871\/revisions\/5873"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3960"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=5871"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=5871"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=5871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}