选择你的健康保险计划

For those who already have health coverage, the first step during open enrollment should be to review your current plan so you can compare it with plans being offered the next calendar year. The following items are important factors to take into consideration:

• 免赔额
• 元钱
• 每月的费用
• 服务覆盖
• 承保设施及医生

You should also think about how well your current plan worked for you and your family in the past year.

• 你的免赔额太高了吗?
• How much did you pay for an average doctor visit?
• Were you unable to see a SRHS doctor or facility due to them being out of network?
• Were you satisfied with the prescription drug coverage?
• 你多久使用一次保险?
• 你的保险公司拒绝索赔了吗?

下一个, check and see if your current plan is changing for next year and compare it to your other options. Some key things to check might include:

• Are Medical Group of the Carolinas physicians and locations in the plan’s network?
• Are Spartanburg Medical Center campuses, 切罗基医疗中心, 佩勒姆医疗中心, Union Medical Center and Spartanburg Hospital for Restorative in the network?
• 你的处方药包括在内吗?
• Are treatments (physical therapy, mental health visits, etc.)覆盖?

You can find this information on the insurance company’s website or by calling customer service.

Always keep your family’s particular needs in mind when choosing health coverage. 例如, when planning for knee replacement surgery you might need to pay close attention to hospital stay cost and physical therapy coverage.

根据消费者报告, those with expensive medical conditions might look at plans with a higher premium that covers more, while those who are “generally healthy” might want to buy coverage with a lower premium that requires more out-of-pocket costs for care.

If you have more questions about choosing health coverage, the 国家卫生委员会 编译了很多有用的网站吗. 

平价医疗法案

ACA, 或“奥巴马医改,” aims to get more Americans covered and offers a Health Insurance Marketplace (医疗保健.政府) where small businesses and individuals can purchase a policy.

• Many people qualify for subsidies that reduce out-of-pocket costs.
• The marketplace offers four levels of coverage - bronze, 银, gold and platinum ‑ determined by how costs are shared. To determine which level fits your needs, go to www.医疗保健.政府 / choose-a-plan / plans-categories.
• ACA requires people to have “qualifying health coverage,” and those who don’t have health coverage face a penalty (a fee) when filing taxes.
• You will need your Social Security numbers, income details and last year’s tax documents to sign up.
• 有关详细信息或帮助，请访问医疗保健.政府或致电 800-318-2596.

医疗保险

医疗保险 is a health insurance program sponsored by the federal 政府ernment for people age 65 or older and younger people with certain disabilities. 医疗保险 is divided into four parts A, B, C and D.

• Part A: Covers the cost when you are admitted to a hospital
• Part B: Covers the cost of visiting a physician or other outpatient services
• Part C: Allows you to choose to receive your 医疗保险 benefits in a different way, part C benefits are also called 医疗保险 Advantage plans
• Part D: Helps pay prescription drug costs. To get part D you must enroll in a private drug plan. It is also offered through some 医疗保险 Advantage plans.

医疗保险 Advantage plans provide an option to receive your 医疗保险 benefits through local or regional private plans. 医疗保险 advantage plans include part A and B, normally referred to a traditional 医疗保险 and may offer additional benefits and/or part D drug coverage.

To learn more about 医疗保险 enrollment visit 医疗保险.政府.

其他资源

• www.美国.政府 / finding-health-insurance
• http://doi.sc.gov / 638 /Medicare
• www.acscan.org
• www.医疗保险.政府