{"id":6531,"date":"2023-09-26T06:26:00","date_gmt":"2023-09-26T14:26:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=6531"},"modified":"2023-09-18T12:21:41","modified_gmt":"2023-09-18T20:21:41","slug":"hp2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/hp2\/","title":{"rendered":"\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u6bd4\u8f03\u3057\u3066\u9078\u629e\u3059\u308b"},"content":{"rendered":"\n<p>\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u9078\u3076\u3068\u304d\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/?p=6529\"  target=\"_blank\" rel=\"noreferrer noopener\">HMO\u3068\u304bPPO\u306a\u3069\u3068\u3044\u3046\u30d7\u30e9\u30f3\u306e\u30bf\u30a4\u30d7\u306e\u7406\u89e3\u3082\u5927\u5207\u3067<\/a>\u3059\u304c\u3001\u305d\u308c\u3068\u540c\u3058\u304f\u3089\u3044\u304b\u305d\u308c\u4ee5\u4e0a\u306b\u5927\u5207\u306a\u306e\u304c\u305d\u306e\u5185\u5bb9\u306e\u7406\u89e3\u3067\u3059\u3002\u3044\u3056\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u3046\u3068\u304d\u306b\u3069\u306e\u3088\u3046\u306a\u30b3\u30b9\u30c8\u304c\u3069\u3046\u304b\u304b\u3063\u3066\u304f\u308b\u306e\u304b\u3092\u3001\u3057\u3063\u304b\u308a\u3068\u7406\u89e3\u3057\u305f\u3046\u3048\u3067\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3057\u305f\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305a\u306f\u57fa\u672c\u7684\u7528\u8a9e\u304b\u3089\u5b66\u3073\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u57fa\u672c\u7528\u8a9e\u304b\u3089\">\u57fa\u672c\u7528\u8a9e\u304b\u3089<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-deductible\">Deductible<\/h3>\n\n\n\n<p>\u5065\u5eb7\u4fdd\u967a\u304c\u652f\u6255\u3044\u3092\u59cb\u3081\u308b\uff08\u88dc\u511f\u304c\u59cb\u307e\u308b\uff09\u524d\u306b\u3001\u81ea\u5df1\u8ca0\u62c5\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u984d\u3067\u3059\u3002Deductible\u304c$1,000\u3067\u3042\u308c\u3070\u3001\u307e\u305a$1,000\u3092\u81ea\u5206\u3067\u652f\u6255\u3063\u3066\u306f\u3058\u3081\u3066\u3001\u305d\u306e\u5f8c\u306e\u533b\u7642\u8cbb\u306b\u3064\u3044\u3066\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u306f\u3058\u3081\u307e\u3059\u3002Deductible\u306f\u3001\u533b\u7642\u8cbb\u3092\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3059\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u3001\u6ce8\u610f\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u8981\u7d20\u3067\u3059\u3002\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u3042\u307e\u308a\u53d7\u3051\u306a\u3051\u308c\u3070Deductible\u306f\u3042\u307e\u308a\u554f\u984c\u306b\u306f\u306a\u308a\u307e\u305b\u3093\u304c\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u305f\u306a\u3089Deductible\u307e\u3067\u306f\u81ea\u5206\u3067\u652f\u6255\u308f\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>\u81ea\u5206\u3067\u652f\u6255\u3046\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u6bd4\u8f03\u691c\u8a0e\u3001\u5024\u6bb5\u306e\u541f\u5473\u304c\u5fc5\u8981\u306b\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3044\u304f\u3064\u304b\u306e\u624b\u8853\u3084\u65bd\u8853\u3092\u4e00\u5e74\u306e\u3046\u3061\u306b\u307e\u3068\u3081\u3066\u3057\u307e\u3046\u3053\u3068\u3067\u3001Deductible\u3092\u65e9\u3005\u306b\u30af\u30ea\u30a2\u3057\u3001\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3055\u308c\u308b\u984d\u304c\u591a\u304f\u306a\u308b\u3088\u3046\u306b\u3059\u308b\u306a\u3069\u306e\u8a08\u753b\u6027\u3082\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-copay\">Copay<\/h3>\n\n\n\n<p>\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u4e00\u5ea6\u53d7\u3051\u308b\u305f\u3073\u3054\u3068\u306b\u3001\u81ea\u5df1\u8ca0\u62c5\u3059\u308b\u5b9a\u984d\u306e\u3053\u3068\u3067\u3059\u3002\u5b89\u3044\u3068$15\u304f\u3089\u3044\u304b\u3089\u9ad8\u3044\u3068$50\u306a\u3069\u3067\u3001\u30d7\u30e9\u30f3\u3054\u3068\u306b\u3055\u307e\u3056\u307e\u3067\u3059\u3002<\/p>\n\n\n\n<p>Copay\u306f\u3001\u3082\u3061\u308d\u3093\u4f4e\u3044\u307b\u3046\u304c\u597d\u307e\u3057\u3044\u3067\u3059\u304c\u3001\u533b\u7642\u8cbb\u3092\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3059\u308b\u305f\u3081\u306e\u6c7a\u5b9a\u7684\u306a\u8981\u7d20\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5e74\u3092\u901a\u3058\u3066\u306e\u6700\u7d42\u7684\u306a\u533b\u7642\u30b3\u30b9\u30c8\u306e\u5408\u8a08\u984d\u3092\u6c7a\u3081\u308b\u91cd\u8981\u306a\u8981\u7d20\u3067\u306f\u306a\u3044\u304b\u3089\u3067\u3059\u3002Copay\u306f\u4f4e\u3044\u307b\u3046\u304c\u3044\u3044\u3082\u306e\u306e\u3001\u4f4e\u3044Copay\u306b\u76ee\u304c\u3044\u3063\u3066\u4ed6\u306e\u8981\u7d20\u306e\u541f\u5473\u304c\u304a\u308d\u305d\u304b\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>&nbsp;\u307e\u305f\u3001Copay\u306e\u767a\u751f\u3059\u308b\u6761\u4ef6\u306b\u3064\u3044\u3066\u3082\u304d\u3061\u3093\u3068\u78ba\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001PCP\u306eOffice Visit\u306b\u3064\u3044\u3066\u3001\u201c$20 Copay after deductible\u201d \u3068\u201c$20 Copay (deductible waived)\u201d\u3068\u3044\u3046\u30d7\u30e9\u30f3\u3067\u306f\u5927\u304d\u306a\u9055\u3044\u304c\u3042\u308a\u307e\u3059\u3002\u524d\u8005\u306fDeductible\u307e\u3067\u81ea\u5df1\u8ca0\u62c5\u3092\u6255\u3063\u3066\u521d\u3081\u3066Copay\u304c\uff0420\u306b\u306a\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u3059\u3002\u3064\u307e\u308aDeductible\u306b\u9054\u3059\u308b\u307e\u3067\u306f\u5168\u984d\u81ea\u5df1\u8ca0\u62c5\u3067\u3059\u3002\u5f8c\u8005\u306f\u3001Deductible\u304cwaive\u3055\u308c\u308b\u3001PCP\u306b\u8a3a\u5bdf\u3092\u3057\u3066\u3082\u3089\u3046\u9650\u308a\u306f\u3001Deductible\u306b\u9054\u3057\u3066\u3044\u306a\u304f\u3066\u3082Copay\u306e$20\u3092\u6255\u3048\u3070\u3088\u3044\u3068\u3044\u3046\u610f\u5473\u3067\u3059\u3002\u4fdd\u967a\u30d7\u30e9\u30f3\u306b\u3064\u3044\u3066\u306e\u8aac\u660e\u3092\u3088\u304f\u8aad\u3080\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u3082\u8868\u73fe\u304c\u5fae\u5999\u306b\u7570\u306a\u3063\u305f\u308a\u3059\u308b\u306e\u3067\u3001\u308f\u304b\u3089\u306a\u3044\u3053\u3068\u306f\u4fdd\u967a\u4f1a\u793e\u306b\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u3055\u3089\u306b\u306f\u3001\u6255\u3063\u305fCopay\u304cDeductible\u306b\u542b\u307e\u308c\u308b\u304b\u9664\u5916\u3055\u308c\u308b\u304b\u3082\u30d7\u30e9\u30f3\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u3002\u78ba\u8a8d\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coinsurance\">Coinsurance<\/h3>\n\n\n\n<p>\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u305f\u5834\u5408\u3001\u5168\u4f53\u306e\u533b\u7642\u30b3\u30b9\u30c8\u3092\u4fdd\u967a\u4f1a\u793e\u3068\u81ea\u5206\u3067\u5171\u540c\u3067\u8ca0\u62c5\u3057\u3042\u3046\u3068\u304d\u306b\u3001\u81ea\u5206\u304c\u8ca0\u62c5\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u5272\u5408\u306e\u3053\u3068\u3067\u3059\u3002Deductible\u306e\u8a2d\u5b9a\u304c\u3042\u308b\u30d7\u30e9\u30f3\u3067\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u8ca0\u62c5\u3092\u3057\u59cb\u3081\u308b\uff08\u88dc\u511f\u3092\u59cb\u3081\u308b\uff09\u306e\u306f\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u304cDeductible\u306b\u9054\u3057\u305f\u5f8c\u3067\u3059\u3002Deductible\u307e\u3067\u306f\u3001Coinsurance\u3067\u306f\u306a\u304f\u5168\u984d\u8ca0\u62c5\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>Coinsurance\u306f\u3001Copay\u306b\u6bd4\u3079\u3001\u305a\u3063\u3068\u6c17\u3092\u3064\u3051\u306d\u3070\u306a\u3089\u306a\u3044\u8981\u7d20\u3067\u3059\u3002\u306a\u305c\u306a\u3089Copay\u306f\u7d76\u5bfe\u984d\uff08\uff04\uff09\u3067\u3042\u308b\u306e\u306b\u5bfe\u3057Coinsurance\u306f\u5272\u5408\uff08\uff05\uff09\u3067\u3042\u308b\u304b\u3089\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001Copay\u304c$15\u3067\u3001Coinsurance\u304c20\uff05\u3060\u3068\u3057\u307e\u3057\u3087\u3046\u3002$100\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3066\u3082$1,000\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3066\u3082\u3001Copay\u306f$15\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001Coinsurance\u306f\u305d\u308c\u305e\u308c$20\u3001$200\u3068\u306a\u308a\u3001\u533b\u7642\u8cbb\u304c\u9ad8\u984d\u306b\u306a\u308b\u306b\u3064\u308c\u3066\u8ca0\u62c5\u306f\u3064\u308a\u3042\u304c\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>Coinsurance\u306f\u5168\u4f53\u306e\u3046\u3061\u306e\u81ea\u5df1\u8ca0\u62c5\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3067\u3059\u304b\u3089\u3001\u7d50\u679c\u7684\u306b\u3001\u305d\u3082\u305d\u3082\u306e\u533b\u7642\u8cbb\u304c\u3044\u304f\u3089\u3067\u3042\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u3092\u6ce8\u610f\u305b\u3056\u308b\u3092\u5f97\u306a\u304f\u306a\u308a\u307e\u3059\u3002\u305d\u3082\u305d\u3082\u306e\u533b\u7642\u8cbb\u304c\u9ad8\u3051\u308c\u3070Coinsurance\u306e\u8ca0\u62c5\u984d\u3082\u9ad8\u304f\u306a\u308b\u3057\u3001\u533b\u7642\u8cbb\u304c\u4f4e\u3051\u308c\u3070\u3001\u8ca0\u62c5\u984d\u3082\u4f4e\u304f\u306a\u308b\u304b\u3089\u3067\u3059\u3002\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u30b7\u30e7\u30c3\u30d7\u30fb\u30a2\u30e9\u30a6\u30f3\u30c9\uff08\u3044\u3044\u30b5\u30fc\u30d3\u30b9\u3092\u5b89\u304f\u5f97\u308b\u305f\u3081\u306b\u30ea\u30fc\u30b5\u30fc\u30c1\u3059\u308b\u3053\u3068\uff09\u304c\u5fc5\u8981\u306b\u306a\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-out-of-pocket-maximum\">Out-of-pocket maximum<\/h3>\n\n\n\n<p>\u5e74\u9593\u306e\u81ea\u5df1\u8ca0\u62c5\u984d\u306e\u6700\u9ad8\u984d\u3067\u3059\u3002\u81ea\u5df1\u8ca0\u62c5\u984d\u3068\u306f\u3001Deductible\u3084 Coinsurance\u3001Copay\u306a\u3069\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u5408\u8a08\u984d\u304c\u3001\u3053\u306eOut-of-pocket maximum\u306b\u9054\u3057\u305f\u6642\u70b9\u3067\u3001\u305d\u306e\u5f8c\u306e\u533b\u7642\u8cbb\u306b\u3064\u3044\u3066\u306f\u4fdd\u967a\u304c100%\u30ab\u30d0\u30fc\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u30d7\u30e9\u30f3\u306b\u3088\u3063\u3066\u306f\u3001Deductible\u306fOut-of-pocket maximum\u306b\u306f\u30ab\u30a6\u30f3\u30c8\u3057\u306a\u304b\u3063\u305f\u308a\u3001\u7279\u5b9a\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306b\u652f\u6255\u3063\u305fCopay\u306fOut-of-pocket maximum\u306b\u30ab\u30a6\u30f3\u30c8\u3057\u306a\u3044\u306a\u3069\u306e\u6761\u4ef6\u304c\u3064\u3044\u3066\u3044\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u306e\u3067\u8981\u6ce8\u610f\u3067\u3059\u3002\u4fdd\u967a\u30d7\u30e9\u30f3\u306b\u3064\u3044\u3066\u306e\u8aac\u660e\u3092\u3088\u304f\u8aad\u3080\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>Out-of-pocket maximum\u306f\u3001\u3053\u306e\u3088\u3046\u306b\u533b\u7642\u8cbb\u8ca0\u62c5\u306e\u4e0a\u9650\u3092\u8a2d\u5b9a\u3059\u308b\u3082\u306e\u3067\u3001\u4f4e\u3051\u308c\u3070\u4f4e\u3044\u307b\u3069\u4f4e\u30ea\u30b9\u30af\u3001\u9ad8\u3051\u308c\u3070\u9ad8\u3044\u307b\u3069\u9ad8\u30ea\u30b9\u30af\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u306a\u3093\u3068\u306a\u308c\u3070\u3001\u3053\u306e\u984d\u307e\u3067\u306e\u8ca0\u62c5\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u5fc5\u8981\u306a\u3089\u73fe\u91d1\u306b\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u3088\u3046\u306b\u3001HSA\u306a\u3069\u53e3\u5ea7\u3084\u305d\u306e\u4ed6\u3067\u304a\u91d1\u3092\u30d7\u30fc\u30eb\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u809d\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:51px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u5065\u5eb7\u4fdd\u967a-\u30d7\u30e9\u30f3\u3092\u6bd4\u8f03\u3059\u308b\">\u5065\u5eb7\u4fdd\u967a&nbsp;\u30d7\u30e9\u30f3\u3092\u6bd4\u8f03\u3059\u308b<\/h2>\n\n\n\n<p>\u4fdd\u967a\u306f\u30ea\u30b9\u30af\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u306e\u30c4\u30fc\u30eb\u3067\u3059\u3002\u4e07\u304c\u4e00\u306e\u3068\u304d\u3001\u751f\u6d3b\u3092\u8105\u304b\u3059\u3088\u3046\u306a\u51fa\u8cbb\u30fb\u640d\u5931\u306b\u3088\u3063\u3066\u5bb6\u8a08\u304c\u7aae\u5730\u306b\u9665\u3089\u306a\u3044\u3088\u3046\u306b\u52a0\u5165\u3059\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>Deductible\u306f\u9ad8\u3051\u308c\u3070\u9ad8\u3044\u307b\u3069\u3001Coinsurance\u304c\u9ad8\u3051\u308c\u3070\u9ad8\u3044\u307b\u3069\u3001Out-of-pocket maximum\u304c\u9ad8\u3051\u308c\u3070\u9ad8\u3044\u307b\u3069\u3001\u4fdd\u967a\u6599\u306f\u5b89\u304f\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u3046\u3048\u3001HSA\u306e\u304a\u307e\u3051\u3082\u3064\u3044\u3066\u304f\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u306e\u5206\u8a31\u5bb9\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u30ea\u30b9\u30af\u306f\u9ad8\u304f\u3001\u6d88\u8cbb\u8005\u3068\u3057\u3066\u306e\u8cac\u4efb\u3082\u91cd\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u75c5\u6c17\u306b\u306a\u3089\u306a\u3051\u308c\u3070\u3001\u3068\u3066\u3082\u304a\u5f97\u306a\u7d50\u679c\u306b\u306a\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u75c5\u6c17\u306b\u306a\u308b\u304b\u306a\u3089\u306a\u3044\u304b\u306e\u300c\u8ced\u3051\u300d\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u6295\u8cc7\u3067\u3044\u3046\u306a\u3089\u3070\u3001\u3053\u306e\u3088\u3046\u306a\u30d7\u30e9\u30f3\u306f\u30cf\u30a4\u30fb\u30ea\u30b9\u30af\uff06\u30cf\u30a4\u30fb\u30ea\u30bf\u30fc\u30f3\u306e\u30d7\u30e9\u30f3\u3067\u3059\u3002\u53cd\u5bfe\u306b\u3001Deductible\u306a\u3057Coinsurance\u306a\u3057\u306eHMO\u30d7\u30e9\u30f3\u306f\u3001\u6708\u3005\u306e\u4fdd\u967a\u6599\u306f\u9ad8\u3081\u3067\u3001\u304a\u307e\u3051\u3082\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u533b\u7642\u8cbb\u3068\u3044\u3046\u30ea\u30b9\u30af\u306f\u304d\u3061\u3093\u3068\u30de\u30cd\u30fc\u30b8\u3055\u308c\u3066\u3044\u308b\u3001\u30ed\u30fc\u30fb\u30ea\u30b9\u30af\uff06\u30ed\u30fc\u30fb\u30ea\u30bf\u30fc\u30f3\u306e\u30d7\u30e9\u30f3\u3067\u3059\u3002\u81ea\u5206\u305f\u3061\u306e\u30cb\u30fc\u30ba\u3092\u628a\u63e1\u3057\u3001\u305d\u308c\u306b\u898b\u5408\u3063\u305f\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u3053\u3093\u306a\u30d7\u30e9\u30f3\u306e\u30c1\u30e7\u30a4\u30b9\u304c\u3042\u3063\u305f\u5834\u5408\u3001\u4f55\u3092\u3069\u3046\u6bd4\u3079\u308c\u3070\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u3002\u3069\u3093\u306a\u75c5\u6c17\u306b\u306a\u3063\u3066\u3001\u3069\u3093\u306a\u6cbb\u7642\u304c\u5fc5\u8981\u3067\u3001\u305d\u308c\u304c\u3069\u306e\u304f\u3089\u3044\u3064\u3065\u304f\u304b\u8ab0\u306b\u3082\u308f\u304b\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u304d\u3061\u3093\u3068\u8a08\u7b97\u3057\u3066\u30d9\u30b9\u30c8\u306e\u3082\u306e\u3092\u9078\u3076\u3068\u3044\u3046\u306e\u306f\u307b\u307c\u4e0d\u53ef\u80fd\u3067\u3059\u3002\u4eca\u56de\u306f\u3001\u305d\u3093\u306a\u3075\u3046\u306b\u8ff7\u3063\u305f\u6642\u306e\u30dd\u30a4\u30f3\u30c8\u307f\u305f\u3044\u306a\u3082\u306e\u3092\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2023\/08\/image.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"810\" height=\"857\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2023\/08\/image.png?resize=810%2C857&#038;ssl=1\" alt=\"\" class=\"wp-image-6535\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2023\/08\/image.png?resize=968%2C1024&amp;ssl=1 968w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2023\/08\/image.png?resize=283%2C300&amp;ssl=1 283w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2023\/08\/image.png?resize=768%2C813&amp;ssl=1 768w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2023\/08\/image.png?w=1011&amp;ssl=1 1011w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/a><\/figure>\n\n\n\n<p><a target=\"_blank\" href=\"https:\/\/i1.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2021\/10\/healthP-1.png?ssl=1\" ><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-deductible\u3092\u898b\u308b\">Deductible\u3092\u898b\u308b<\/h3>\n\n\n\n<p>\u307e\u305a\u306fDeductible\u304c\u3042\u308b\u304b\u306a\u3044\u304b\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002Deductible\u306e\u8a2d\u5b9a\u306e\u306a\u3044\u3082\u306e\u3001\u3064\u307e\u308aDeductible\u304c\u30bc\u30ed\u306e\u3082\u306e\u306f\u3001\u5e74\u304c\u660e\u3051\u3066\u3059\u3050\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3066\u3082\u3001\u305d\u306e\u6700\u521d\u306e\u30b5\u30fc\u30d3\u30b9\u304b\u3089\u3059\u3067\u306b\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3082\u306e\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001Deductible\u306e\u8a2d\u5b9a\u306e\u3042\u308b\u3082\u306e\u306f\u3001\u307e\u305a\u306f\u305d\u306e\u984d\u3092\u81ea\u5206\u306e\u30dd\u30b1\u30c3\u30c8\u304b\u3089\u652f\u6255\u3063\u305f\u3068\u3053\u308d\u3067\u306f\u3058\u3081\u3066\u3001\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u306f\u3001HMO\uff08Health Maintenance Organization\uff09\u306e\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u3002HMO\u30d7\u30e9\u30f3\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u3068\u3069\u307e\u308b\u3053\u3068\u304c\u5fc5\u8981\u3060\u3063\u305f\u308a\u3001\u30b9\u30da\u30b7\u30e3\u30ea\u30b9\u30c8\u306b\u304b\u304b\u308a\u305f\u3044\u5834\u5408\u306fPCP\u304b\u3089\u306eReferral\u304c\u5fc5\u8981\u3060\u3063\u305f\u308a\u3068\u3057\u3070\u308a\u304c\u3042\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u3067\u3059\u304c\u3001\u88dc\u511f\u9762\u3067\u306f\u3068\u306b\u304b\u304f\u4f4e\u30ea\u30b9\u30af\u3067\u4fdd\u5b88\u7684\u306a\u30d7\u30e9\u30f3\u3067\u3059\u3002\u591a\u5c11\u6708\u3005\u306e\u4fdd\u967a\u6599\u304c\u9ad8\u3081\u3067\u3082\u3001\u5024\u6bb5\u3092\u6c17\u306b\u3057\u306a\u304c\u3089\u75c5\u9662\u306b\u884c\u304d\u305f\u304f\u306a\u3044\u3072\u3068\u306b\u3068\u3063\u3066\u306f\u5fc3\u5f37\u3044\u9078\u629e\u3067\u3059\u3002<\/p>\n\n\n\n<p>A\u3068B\u306f\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u3067\u3059\u3002Office Visit\uff08\u5916\u6765\uff09\u306f$20\u306eCo-pay\u3092\u81ea\u5df1\u8ca0\u62c5\u3059\u308c\u3070\u3001\u3042\u3068\u306f\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u3001Impatient\uff08\u5165\u9662\uff09\u306f$250\u3092\u81ea\u5df1\u8ca0\u62c5\u3059\u308c\u3070\u3001\u3042\u3068\u306f\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002Surgeon\uff08\u57f7\u5200\u533b\uff09\u306f\u81ea\u5df1\u8ca0\u62c5\u304c\u306a\u304f\u3001\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u307e\u3059\u3002A\u3068B\u3067Out-of-pocket Maximum\uff081\u5e74\u9593\u3067\u81ea\u5df1\u8ca0\u62c5\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u6700\u9ad8\u9650\u5ea6\uff09\u304c\u304b\u306a\u308a\u3061\u304c\u3044\u307e\u3059\u304c\u3001\u30ab\u30d0\u30fc\u5185\u5bb9\u7684\u306b\u306f\u3069\u3061\u3089\u3082\u975e\u5e38\u306b\u624b\u539a\u3044\u3067\u3059\u3002\u306a\u306e\u3067\u3001\u4f55\u5ea6\u3082\u5165\u9662\u3057\u305f\u308a\u3001\u4f55\u5ea6\u3082\u901a\u9662\u3057\u305f\u308a\u3068\u3044\u3046\u3053\u3068\u304c\u306a\u3051\u308c\u3070\u5dee\u304c\u51fa\u306a\u3044\uff08A\u306eOut-of-pocket Maximum\u3088\u308a\u81ea\u5df1\u8ca0\u62c5\u984d\u304c\u591a\u304f\u306a\u308b\u78ba\u7387\u304c\u304b\u306a\u308a\u4f4e\u3044\uff09\u304b\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002A\u3068B\u3067\u306f\u304a\u305d\u3089\u304f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u7bc4\u56f2\u3084\u63d0\u643a\u75c5\u9662\u30b0\u30eb\u30fc\u30d7\u304c\u9055\u3046\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002\u597d\u307f\u306e\u304a\u533b\u8005\u3055\u3093\u3084\u75c5\u9662\u7cfb\u5217\u304c\u3042\u308b\u5834\u5408\u306b\u306f\u3001\u5185\u5bb9\u3092\u898b\u3066\u6c7a\u3081\u308b\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u6b8b\u5ff5\u306a\u304c\u3089\u6700\u8fd1\u3067\u306f\u96c7\u7528\u4e3b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3067\u3001\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u306a\u3044\u30b1\u30fc\u30b9\u304c\u591a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u5dde\u306eMarketplace\u306a\u3069\u3067\u3082\u30bc\u30edDeductible\u30d7\u30e9\u30f3\u306f\u5c11\u306a\u304f\u306a\u3063\u305f\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>Deductible\u304c\u3042\u308b\u30d7\u30e9\u30f3\u306a\u3089\u3070\u3001\u305d\u306eDeductible\u307e\u3067\u306f\u6255\u3046\u5fc3\u3065\u3082\u308a\u3068\u304a\u91d1\u306e\u6e96\u5099\u304c\u3042\u308b\u3079\u304d\u3067\u3059\u3002\u300c\u306a\u308b\u3079\u304f\u533b\u7642\u8cbb\u3092\u304b\u3051\u306a\u3044\u3088\u3046\u306b\u300d\u3001\u300c\u306a\u308b\u3079\u304f\u75c5\u9662\u306b\u884c\u304b\u306a\u3044\u3088\u3046\u306b\u300d\u3067\u306f\u306a\u304f\u3001\u3042\u3089\u304b\u3058\u3081Deductible\u307e\u3067\u306f\u81ea\u8179\u3092\u5207\u308b\u3064\u3082\u308a\u3067\u3044\u308b\u3053\u3068\u3067\u3059\u3002\u300c\u304a\u304b\u3057\u3044\u306a\u300d\u3068\u601d\u3063\u305f\u3089\u3059\u3050\u75c5\u9662\u306b\u884c\u304f\u3051\u3069\u3001\u3082\u3057\u3082\u3042\u307e\u308a\u884c\u304f\u5fc5\u8981\u304c\u306a\u3051\u308c\u3070\u30e9\u30c3\u30ad\u30fc\u304f\u3089\u3044\u306e\u69cb\u3048\u306e\u307b\u3046\u304c\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u3068\u304f\u306b\u5c0f\u3055\u306a\u304a\u5b50\u3055\u3093\u304c\u3044\u308b\u5834\u5408\u3084\u5065\u5eb7\u554f\u984c\u304c\u51fa\u59cb\u3081\u308b\u5e74\u9f62\u4ee5\u4e0a\u306e\u65b9\u306e\u5834\u5408\u306f\u3001\u304a\u533b\u8005\u3055\u3093\u306b\u884c\u304f\u306e\u3092\u8e8a\u8e87\u3059\u308b\u306e\u306f\u907f\u3051\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n\n\n\n<p>C\u3001D\u3001E\u306f\u3069\u308c\u3082Deductible\u306e\u8a2d\u5b9a\u304c\u3042\u308a\u3001\u6bb5\u968e\u7684\u306b\u9ad8\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002E\u306a\u3069\u306f\u3001\u304b\u306a\u308aDeductible\u304c\u9ad8\u984d\u306a\u306e\u3067\u3001\u3061\u3087\u3053\u3061\u3087\u3053\u3068\u3068\u53d7\u8a3a\u3059\u308b\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306f\u3059\u3079\u3066\u81ea\u5df1\u8ca0\u62c5\u306b\u306a\u308a\u307e\u3059\u3002\u3042\u3089\u304b\u3058\u3081\u3053\u306e\u5fc3\u69cb\u3048\u3092\u3057\u3066\u304a\u304f\u3053\u3068\u3068\u3001Deductible\u307e\u3067\u306e\u984d\u3092\u6255\u3048\u308b\u3088\u3046HAS\u3084\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u30d5\u30a1\u30f3\u30c9\u3067\u6e96\u5099\u3057\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-out-of-pocket-maximum\u3092\u898b\u308b\">Out-of-pocket Maximum\u3092\u898b\u308b<\/h3>\n\n\n\n<p>\u307e\u305a\u306f\u3001\u6700\u60aa\u30b1\u30fc\u30b9\u304c\u8d77\u3053\u3063\u305f\u3068\u304d\u3001\u4e00\u5e74\u3067\u8ca0\u62c5\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u6700\u5927\u984d\u304c\u3053\u308c\u3060\u3068\u3044\u3046\u3053\u3068\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002A\u3068B\u306b\u95a2\u3057\u3066\u306fCoinsurance\u306e\u8a2d\u5b9a\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u3064\u307e\u308a\u3059\u3079\u3066\u306e\u51fa\u8cbb\u306f\u56fa\u5b9a\u8cbb\u3067\u8d77\u3053\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u3001Out-of-pocket Maximum\u306b\u307e\u3067\u9054\u3059\u308b\u53ef\u80fd\u6027\u306f\u304b\u306a\u308a\u4f4e\u3044\u3068\u8a00\u3048\u307e\u3059\u3002\u305f\u3060\u3001\u4f55\u5ea6\u3082\u901a\u9662\u3001\u5165\u9662\u3092\u3059\u308c\u3070\u3001\u305d\u306e\u53ef\u80fd\u6027\u306f\u306a\u3044\u3068\u306f\u8a00\u3048\u307e\u305b\u3093\u306e\u3067\u3053\u306e\u984d\u306f\u3059\u3050\u306b\u6255\u3048\u308b\u6e96\u5099\u304c\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p>C\u304c\u6700\u3082\u9ad8\u3044Out-of-pocket Maximum\u304c\u8a2d\u5b9a\u3057\u3066\u3042\u308a\u3001Family\u3067$14,200\u3067\u3059\u3002\u3053\u306e\u30d7\u30e9\u30f3\u306f\u3001Deductible\u304c\u4f4e\u3044\u306e\u3067\u5c11\u3057\u81ea\u5df1\u8ca0\u62c5\u3059\u308c\u3070\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3068\u3044\u3046\u6c17\u697d\u3055\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u4e00\u65b9\u3067\u3001\u305d\u306e\u5f8c\u306eCoinsurance\u304c30\uff05\u3068\u9ad8\u304f\u3001\u3061\u3087\u3063\u3068\u5165\u9662\u3001\u624b\u8853\u3068\u306a\u308c\u3070\u8cbb\u7528\u304c\u304b\u3055\u307f\u3001Out-of-pocket Maximum\u307e\u3067\u306e\u8cbb\u7528\u8ca0\u62c5\u304c\u8d77\u3053\u308a\u3084\u3059\u3044\u30d7\u30e9\u30f3\u3067\u3042\u308b\u3068\u3044\u3048\u307e\u3059\u3002\u4fdd\u967a\u6599\u306f\u5b89\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u5371\u967a\u5ea6\u306f\u9ad8\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002\u5065\u5eb7\u306a\u3089\u3070\u30b3\u30b9\u30c8\u524a\u6e1b\u3082\u53ef\u80fd\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u3044\u3063\u305f\u3093\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u304c\u5fc5\u8981\u306b\u306a\u308b\u3068\u8cbb\u7528\u304c\u304b\u3055\u3080\u30d7\u30e9\u30f3\u3067\u3059\u3002<\/p>\n\n\n\n<p>D\u3068E\u306fOut-of-pocket Maximum\u306f$6,400\u3068$9,000\u306a\u306e\u3067\u3001\u6700\u60aa\u30b1\u30fc\u30b9\u304c\u8d77\u3053\u3063\u3066\u3082C\u3088\u308a\u306f\u8ca0\u62c5\u304c\u3057\u3084\u3059\u3044\u3067\u3059\u3002D\u306e\u307b\u3046\u304cOut-of-pocket Maximum\u304c\u4f4e\u3044\u3060\u3051\u3067\u306a\u304f\u3001Deductible\u3082\u4f4e\u3044\u306e\u3067\u65e9\u304f\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u3082\u59cb\u307e\u308a\u307e\u3059\u3002\u3057\u304b\u3057D\u306eCoinsurance\u306fE\u306e\u305d\u308c\u306e2\u500d\u306e20\uff05\u3067\u3059\u3002Deductible\u304c\u4f4e\u3044\u306e\u3067\u65e9\u304f\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3082\u306e\u306e\u3001Coinsurance\u304c20\uff05\u306e\u305f\u3081\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u306fE\u306e2\u500d\u306b\u306a\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3069\u3093\u3069\u3093\u533b\u7642\u8cbb\u304c\u304b\u3055\u3093\u3060\u5834\u5408\u306f\u65e9\u304fOut-of-pocket Maximum\u306b\u9054\u3059\u308b\u306e\u3067\u3001$6,400\u4ee5\u4e0a\u306e\u8ca0\u62c5\u306b\u306f\u306a\u3089\u306a\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002High Deductible Plan\u306a\u306e\u3067HSA\u304c\u4f7f\u3048\u3001Employer\u304c$1,000\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u306e\u306f\u30d7\u30e9\u30b9\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u4e00\u65b9\u3067E\u306f\u3001Deductible\u304c\u9ad8\u3044\u306e\u3067\u306a\u304b\u306a\u304b\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308a\u307e\u305b\u3093\u304c\u3001\u3044\u3063\u305f\u3093\u30ab\u30d0\u30fc\u304c\u59cb\u307e\u308b\u3068\u3001Coinsurance\u304c10\uff05\u306a\u306e\u3067\u81ea\u5df1\u8ca0\u62c5\u306f\u6bd4\u8f03\u7684\u697d\u306a\u30d7\u30e9\u30f3\u3067\u3059\u3002\u3082\u3057\u533b\u7642\u8cbb\u304c\u304b\u3055\u3093\u3067\u3044\u3063\u3066\u3082\u3001\u6700\u60aa$9,000\u307e\u3067\u3057\u304b\u8ca0\u62c5\u3057\u306a\u304f\u3066\u3088\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002High Deductible Plan\u306a\u306e\u3067HSA\u304c\u4f7f\u3048\u3001Employer\u304c$1,500\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u307e\u3059\u3002\u5065\u5eb7\u306a\u306e\u3067\u307b\u3068\u3093\u3069\u304a\u533b\u8005\u3055\u3093\u306b\u306f\u304b\u304b\u3089\u306a\u3044\u3068\u601d\u3046\u304c\u3001\u3082\u3057\u3082\u75c5\u6c17\u3084\u30b1\u30ac\u306e\u5834\u5408\u306b\u306f\u3001\u306a\u308b\u3079\u304f\u8ca0\u62c5\u3092\u5c11\u306a\u304f\u3057\u305f\u3044\u4eba\u306b\u306f\u3088\u3044\u30d7\u30e9\u30f3\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305d\u3082\u305d\u3082\u4fdd\u967a\u306f\u3001\u4e0d\u616e\u306e\u51fa\u6765\u4e8b\u304c\u8d77\u3053\u3063\u3066\u5bb6\u8a08\u304c\u7acb\u3061\u884c\u304b\u306a\u304f\u306a\u308b\u307b\u3069\u306e\u640d\u5bb3\u304c\u3042\u3063\u305f\u5834\u5408\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u306e\u30ea\u30b9\u30af\u30fb\u30de\u30cd\u30fc\u30b8\u30e1\u30f3\u30c8\u3067\u3059\u304b\u3089\u3001\u4fdd\u967a\u3092\u6301\u3063\u3066\u3044\u308b\u306e\u306b\u7acb\u3061\u884c\u304b\u306a\u308b\u3088\u3046\u306a\u3053\u3068\u304c\u3042\u3063\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002Out-of-pocket Maximum\u304c\u60f3\u5b9a\u5185\u3067\u3042\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coinsurance\u3092\u898b\u308b\">Coinsurance\u3092\u898b\u308b<\/h3>\n\n\n\n<p>\u4e0a\u3067\u3059\u3067\u306bCoinsurance\u306f\u8a71\u306b\u767b\u5834\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u518d\u78ba\u8a8d\u3067\u3059\u3002Coinsurance\u306f\uff05\u3067\u63d0\u793a\u3055\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u304c\u81ea\u5df1\u8ca0\u62c5\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u4e00\u756a\u521d\u3081\u306b\u51fa\u3066\u304d\u305fCopayment\u306f\u30c9\u30eb\u8868\u793a\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u3067\u3059\u3002\u306a\u3093\u3068\u306a\u304f\u4f3c\u305f\u3053\u3068\u3070\u3067\u3059\u304c\u3001Copayment\u306f\u6bd4\u8f03\u7684\u6c17\u697d\u306b\u3068\u3089\u3048\u3066\u5927\u4e08\u592b\u3001Coinsurance\u306f\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u306a\u305c\u304b\u3068\u3044\u3046\u3068\u3001\u524d\u8005\u306f\u7d76\u5bfe\u984d\u3067$20\u3068\u304b$50\u3068\u304b$250\u3068\u304b\u3068\u6307\u5b9a\u3057\u3066\u3042\u308b\u3082\u306e\u3067\u305d\u306e\u984d\u3055\u3048\u8ca0\u62c5\u3059\u308c\u3070\u3001\u3042\u3068\u306e\u81ea\u5df1\u8ca0\u62c5\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30c8\u30fc\u30bf\u30eb\u8cbb\u7528\u304c$500\u3060\u308d\u3046\u304c\u3001$50,000\u3060\u308d\u3046\u304c\u3042\u3068\u306f\u4fdd\u967a\u4f1a\u793e\u304c\u30ab\u30d0\u30fc\u3059\u308b<sup>*<\/sup>\u308f\u3051\u3067\u3059\u3002\u4e00\u65b9\u3001Coinsurance\u306e\u307b\u3046\u306f\uff05\u306a\u306e\u3067\u3001\u30c8\u30fc\u30bf\u30eb\u984d\u304c$500\u304b$50,000\u304b\u5927\u304d\u306a\u9055\u3044\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070Coinsurance\u304c10\uff05\u3067\u3042\u3063\u305f\u5834\u5408\u3001\u81ea\u5df1\u8ca0\u62c5\u306f$50\u304b$5,000\u304b\u306e\u5927\u304d\u306a\u5dee\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u304c\u3055\u3089\u306bCoinsurance\u304c30\uff05\u3060\u3063\u305f\u3089\u3070\u3001\u81ea\u5df1\u8ca0\u62c5\u306f$150\u3068\u304b$15,000\u3068\u3044\u3046\u6570\u5b57\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002\uff05\u306f\u30af\u30bb\u30e2\u30ce\u3067\u3059\u3002\u3000(*\u305f\u307e\u306b\u3001Copayment\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u3092\u8d85\u3048\u305f\u90e8\u5206\u306b\u306fCoinsurance\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u3088\u3046\u306a\u7d44\u307f\u5408\u308f\u305b\u578b\u3082\u3042\u308a\u307e\u3059)<\/p>\n\n\n\n<div style=\"height:55px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u5b9f\u969b\u306b\u3044\u304f\u3089\u304b\u304b\u308b\u304b\u3092\u8a08\u7b97\u3057\u3066\u307f\u308b\">\u5b9f\u969b\u306b\u3044\u304f\u3089\u304b\u304b\u308b\u304b\u3092\u8a08\u7b97\u3057\u3066\u307f\u308b<\/h2>\n\n\n\n<p>\u3067\u304d\u308c\u3070Coinsurance\u306f\u4f4e\u304fOut-of-pocket Maximum\u3082\u4f4e\u3044\u306e\u304c\u4e00\u756a\u3067\u3059\u3002<\/p>\n\n\n\n<p>Coinsurance\u306f\u4f4e\u304fOut-of-pocket Maximum\u304c\u9ad8\u3044\uff08\u30d7\u30e9\u30f3E\uff09\u3000\u306e\u3068\u3001<\/p>\n\n\n\n<p>Coinsurance\u304c\u9ad8\u304fOut-of-pocket Maximum\u304c\u4f4e\u3044\uff08\u30d7\u30e9\u30f3D\uff09\u3068\u3060\u3063\u305f\u3089\u3001<\/p>\n\n\n\n<p>\u3069\u3061\u3089\u304c\u3044\u3044\u304b\u3068\u3044\u3046\u3068\u60a9\u3080\u3068\u3053\u308d\u3067\u3059\u3002\u3000\u3068\u306b\u3082\u304b\u304f\u306b\u3082\u3001<\/p>\n\n\n\n<p>Coinsurance\u3082Out-of-pocket Maximum\u3082\u9ad8\u3044\u3082\u306e\uff08\u30d7\u30e9\u30f3C\uff09\u306f<\/p>\n\n\n\n<p>\u9ad8\u30ea\u30b9\u30af\u306a\u306e\u3067\u3067\u304d\u308c\u3070\u907f\u3051\u308b\u306e\u304c\u3088\u3044\u3067\u3059\u3002<\/p>\n\n\n\n<p>HSA\u304c\u3064\u3044\u3066\u304d\u3066Employer\u304c\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u306e\u306f\u9b45\u529b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u3053\u3092\u5148\u306b\u307f\u308b\u306e\u3067\u306a\u304f\u3001\u307e\u305a\u306f\u4fdd\u967a\u30d7\u30e9\u30f3\u81ea\u4f53\u306e\u306e\u30ea\u30b9\u30af\u5bfe\u5fdc\u30ec\u30d9\u30eb\u3092\u304d\u3061\u3093\u3068\u898b\u308b\u3053\u3068\u308d\u304b\u3089\u59cb\u3081\u308b\u306e\u304c\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u624b\u8853\u304c\u5fc5\u8981\u306b\u306a\u308a\u5165\u9662\u3001\u624b\u8853\u3067$30,000\u30015\u56de\u306e\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u901a\u9662\uff081\u56de$150\uff09\u306a\u3069\u3067$30,750\u306e\u30c8\u30fc\u30bf\u30eb\u8cbb\u7528\u304c\u304b\u304b\u3063\u305f\u3068\u3057\u307e\u3057\u3087\u3046\u3002\u5404\u30d7\u30e9\u30f3\u3067\u306e\u8cbb\u7528\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3002\u3053\u308c\u3068\u6708\u3005\u306e\u4fdd\u967a\u6599\u3001HSA\u306e\u6709\u7121\u306a\u3069\u3092\u8003\u3048\u5408\u308f\u305b\u3066\u3001\u81ea\u5206\u306e\u8a31\u5bb9\u3067\u304d\u308b\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u3092\u8003\u3048\u3066\u3044\u304f\u3068\u3044\u3046\u304b\u305f\u3061\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n\n\n\n<p>\uff21\u3068\uff22\u306a\u3089\u3001$250\uff08\u5165\u9662\uff09\uff0b$0\uff08\u624b\u8853\uff09\uff0b$20\uff58\uff15\uff08\u901a\u9662\uff09\uff1d$350\u306e\u8ca0\u62c5<\/p>\n\n\n\n<p>\uff23\u306a\u3089\u3001$500(Deductible)\uff0b\uff08$30,000-$500\uff09\uff5830\uff05\uff0b$150x5x30\uff05\uff1d$15,575<\/p>\n\n\n\n<p>\uff1d\uff1eOut-of-pocket Maximum$7,600\u306e\u8ca0\u62c5<\/p>\n\n\n\n<p>D\u306a\u3089\u3001$1,400(Deductible)\uff0b\uff08$30,000-$1,400\uff09\uff5820\uff05\uff0b$150x5x20\uff05\uff1d$7,270<\/p>\n\n\n\n<p>\uff1d\uff1eOut-of-pocket Maximum$4,000\u306e\u8ca0\u62c5<\/p>\n\n\n\n<p>E\u306a\u3089\u3001$2,200(Deductible)\uff0b\uff08$30,000-$2,200\uff09\uff5810\uff05\uff0b$150x5x10\uff05\uff1d$5,050<\/p>\n\n\n\n<p>\uff1d\uff1eOut-of-pocket Maximum$4,500\u306e\u8ca0\u62c5<\/p>\n\n\n\n<p>\u306a\u304a\u3001\u4e0a\u306f\u4e00\u4eba\u306e\u4eba\u306e\u30b1\u30fc\u30b9\u3067\u3059\u3002\u3082\u3057Family\u30d7\u30e9\u30f3\u3092\u4f7f\u3063\u3066\u3044\u308b\u5834\u5408\u3001C\u3067\u6bcd\u89aa\u304c$7,600\u306e\u8ca0\u62c5\u3092\u3057\u3066Out-of-pocket Maximum\u306b\u9054\u3057\u305f\u5f8c\u306f\u3001\u6bcd\u89aa\u304c\u3069\u3093\u306a\u533b\u7642\u8cbb\u304c\u3042\u3063\u3066\u3082100\uff05\u4fdd\u967a\u304c\u6255\u3044\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u606f\u5b50\u304c\u533b\u8005\u306b\u304b\u304b\u3063\u305f\u5834\u5408\u3001\u606f\u5b50\u306f\u606f\u5b50\u500b\u4eba\u306eDeductible\u3092\u6e80\u305f\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u606f\u5b50\u306e\u81ea\u5df1\u8ca0\u62c5\u304c$6,600\u306b\u9054\u3057\u3001\u6bcd\u89aa\u3068\u606f\u5b50\u5408\u8a08\u3067\u81ea\u5df1\u8ca0\u62c5\u304c$14,200\u306b\u306a\u3063\u3066\u521d\u3081\u3066\u3001\u305d\u308c\u4ee5\u964d\u306f\uff11\uff10\uff10\uff05\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6708\u3005\u306e\u4fdd\u967a\u6599\u304c\u3044\u304f\u3089\u304b\u3082\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u4e0a\u306e\u30c1\u30e3\u30fc\u30c8\u306b\u306f\u3042\u3048\u3066\u4fdd\u967a\u6599\u3092\u66f8\u3044\u3066\u3044\u307e\u305b\u3093\u3002\u3044\u304d\u306a\u308a\u4fdd\u967a\u6599\u304b\u3089\u6bd4\u8f03\u3092\u59cb\u3081\u308b\u3088\u308a\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u304b\u304b\u308a\u3084\u3059\u3055\u3001\u5065\u5eb7\u7dad\u6301\u306e\u3057\u3084\u3059\u3055\u3001\u3082\u3057\u3082\u306e\u75c5\u6c17\u3084\u30b1\u30ac\u306e\u3068\u304d\u306e\u88dc\u511f\u3092\u3057\u3063\u304b\u308a\u8003\u3048\u3066\u304b\u3089\u3001\u4fdd\u967a\u6599\u306b\u76ee\u3092\u3068\u3081\u305f\u307b\u3046\u304c\u3088\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u9078\u3076\u3068\u304d\u3001HMO\u3068\u304bPPO\u306a\u3069\u3068\u3044\u3046\u30d7\u30e9\u30f3\u306e\u30bf\u30a4\u30d7\u306e\u7406\u89e3\u3082\u5927\u5207\u3067\u3059\u304c\u3001\u305d\u308c\u3068\u540c\u3058\u304f\u3089\u3044\u304b\u305d\u308c\u4ee5\u4e0a\u306b\u5927\u5207\u306a\u306e\u304c\u305d\u306e\u5185\u5bb9\u306e\u7406\u89e3\u3067\u3059\u3002\u3044\u3056\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u3046\u3068\u304d\u306b\u3069\u306e\u3088\u3046\u306a\u30b3\u30b9\u30c8\u304c\u3069\u3046\u304b\u304b\u3063\u3066\u304f\u308b\u306e\u304b\u3092\u3001\u3057\u3063\u304b\u308a\u3068\u7406\u89e3\u3057\u305f\u3046\u3048\u3067\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3057\u305f\u3044\u3082\u306e\u3067\u3059\u3002 \u307e\u305a\u306f\u57fa\u672c\u7684\u7528\u8a9e\u304b\u3089\u5b66\u3073\u307e\u3057\u3087\u3046\u3002 \u57fa\u672c\u7528\u8a9e\u304b\u3089 Deductible \u5065\u5eb7\u4fdd\u967a\u304c\u652f\u6255\u3044\u3092\u59cb\u3081\u308b\uff08\u88dc\u511f\u304c\u59cb\u307e\u308b\uff09\u524d\u306b\u3001\u81ea\u5df1\u8ca0\u62c5\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u984d\u3067\u3059\u3002Deductible\u304c$1,000\u3067\u3042\u308c\u3070\u3001\u307e\u305a$1,000\u3092\u81ea\u5206\u3067\u652f\u6255\u3063\u3066\u306f\u3058\u3081\u3066\u3001\u305d\u306e\u5f8c\u306e\u533b\u7642\u8cbb\u306b\u3064\u3044\u3066\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u306f\u3058\u3081\u307e\u3059\u3002Deductible\u306f\u3001\u533b\u7642\u8cbb\u3092\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3059 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":4022,"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":[8],"tags":[],"class_list":["post-6531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-sheep.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/s1OwA5-hp2","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6531","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=6531"}],"version-history":[{"count":3,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6531\/revisions"}],"predecessor-version":[{"id":6536,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6531\/revisions\/6536"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4022"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=6531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=6531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=6531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}