Turn from Tong Yuxuan
The problem of the medical treatment system of any country, it is the problem of this industry not just, however many sided is mutiple level, arrive from the doctor's education practise medicine mode, from the covers a state investment that cure protects, small arrive greatly to medical accomplishment of the individual the superintendency strength of national level.
So, the conclusion of any one-sided and simple tables, either intended misdirect is care of intelligence quotient can.
E.g. , the Chan Wenzhang of various Zhang of medical treatment of American day price that lie between period of time to be able to circulate.
Major this kind of article is to do not have cure to protect saw emergency call perhaps become big operation. And, be without exception, basked in Zhang sheet only, pay Zhang finally without the specification, how much to pay.
Similar Zhang Chan Wen circulates in China very wide and in the United States very few however somebody or media pay close attention to.
Why?
Beyond question, the medical treatment pay of American whole country is very high. Medical treatment sanitation of the United States serves defray in last few years all the time the 17.5% above of GDP of lord it over. Press computation of average per capita, had exceeded 10 thousand dollars every year. This number sounds fearsome really, but it is systematization rear costly, be by the government, employer, society all sorts of organizations and individual partake jointly.
This is equal to see a doctor expensive? Evaluate a place to see a doctor expensive, say well and truly, should see him patient spend how many money for enjoyed medical treatment service, is not a hospital / of the doctor collect fees.
Bask in bask in myself the Zhang of a medical treatment last year is odd:
Its course is very simple: The child has a fever and do not agree to drink water, afraid dehydrate takes a hospital so paediatrics emergency call. Arrived more at 10 o'clock in the evening, $100 was handed in when taking the door, the doctor looked to eat the antipyretic that dot drugstore also can buy, was defeated by a bottle of brine, observe before dawn at 5 o'clock, come home. Sheet of the Zhang after a few days arrived, pursue as follows:
The 1st:
Collect fees in all (delimit valence) it is $11678.30 (brine, antipyretic, observe a few hours wait specific collect fees the project has detailed account additionally)
The 2nd:
Cure protects already paid: $10154.30
The 3rd:
The patient already paid: $100
The 4th:
At present account situation: Need to pay $1424.00
The 5th:
Await cure to protect submit an expense account: $1524.00
Finally, await partial cure to protect also submit an expense account entirely, myself distributes fund without Fu Yi.
See a doctor expensive? Opening what the eye looks at on group 10 thousand yuan to delimit valence, really expensive. But feeling conscience, I cannot say expensive, myself a single cent or penny is outstanding.
Although my this Zhang sheet is true, but also cannot represent see a doctor in the United States even if such. Final him everybody the kind that costs the kind that keeps with cure, disease actually, accepted what kind of medical treatment service, see a doctor where wait to matter.
So, chan Ping is individual the person's Zhang is odd, sheet looks delimit valence that one column, those who see is local idea only.
So, the price that sees a doctor in the United States and is paying a mechanism what kind of roughly?
A lot of people are right system of American medical treatment, especially the price and pay a mechanism devoid understanding. American iatrical price and paying a mechanism is to build the base that preserves in cure over. Be in the United States, almost the medical service that all lawful dwellers enjoy some kind of form is protected, include commercial medical service to protect, cure protects Aobama, the senile medical treatment that provides federally is taken care of (Medicare) or the low income medical treatment that state government provides assists a plan (Medicaid) . Even if those do not suffer any cure to protect enclothed multitude, if cannot pay medical treatment fee, still can arrive a few public medical establishment (safety net of so called medical treatment) go accepting basic and free medical treatment service.
Specific the service price to hospital and doctor, it a few concepts need to tell is clear to have a few concepts need to tell, because medical treatment serves, several numbers can appear on Zhang sheet:
Delimit valence (Bill Charges or Charges) this price is collected fees by what every medical establishment decides oneself by its total watch (Charge Master) decision. This price applies to all patients that accept medical treatment service inside the orgnaization, have no matter protect without cure, no matter cure protects source, serve same price likewise.
The contract pays price (Insurance Payments, or Plan Allowed Amounts) . This price is every cure keeps the price that organize and fixes. The price after this kind of negotiation applies to what this cure guarantees an organization to suffer only keep a person. Normally cure protects a company to be led to the discount of emergency call lower, only 15% the left and right sides. But if be in hospital of dispute emergency call, big medical science protects an orgnaization to often can be in of medical establishment delimit get is as high as the discount with taller even 20-70% on value basis.
Cure is protected pay the specified amount actually (Insurance Payment) . What plant according to patient risk is different, cure protects a company to pay medical establishment contract the share of valence directly.
The individual pays the specified amount (Patient ' S Responsibility) . The individual needs to pay medical establishment directly.
So, to American people character, on Zhang sheet delimit value is again great, also be a number only to them just. What they care and need to pay is the individual pays a share oneself only, and this part is in commonly the specified amount that can accept is spent in.
So, can the hospital take them to delimit the total cost in valence?
Almost impossible.
The example that there is safe patient with here will show value of face of American hospital Zhang and the vast difference that collect fees actually:
Some patient was in California 2010 some hospital be in hospital a day, accepted a surgical operation. The hospital after leaving hospital opens the Zhang sheet that go out to add up to make an appointment with $30402, among them the operation expends $11648, alexipharmic equipment and things are $2974, anaesthesia expends $2072, restore after art room collect fees $3718, observation room collects fees $1617, establishment of be in hospital expends $2738, still have drug cost additionally, infusion cost, laboratory cost.
Paying cost actually state is: This patient insurance company pays $3499 by the contract, the patient pays oneself make an appointment with $875, the hospital is actual earning $4374, collect fees for its Zhang face only 14.3% frontal.
Although insurance company of American medical treatment is mixed because of the insurance cost that rises ceaselessly,suffer bad-mouth to a variety of limitation of go to a doctor, but they also defend a service in what be their really. Their depend on defends a measure bulkily, and seasoned professional essence of life calculates peace talks to sentence a group, go forcing an autograph to make an appointment with hospital and doctor to accept their low price. As to every insurance company specific the price that pays specific hospital, get a lot of factors (like the market the competition between portion comparing, hospital, quality is mixed famous degree) influence, discount extent difference is very big.
System of American medical treatment has his problem and trouble. American cure changes, not be reform actually practise medicine means is not change sickness diagnosis and treatment more, what cure changes is to pay a system actually, noisy will make a noise go in the final analysis is the problem that who will come to buy sheet. As to among them detail and why to meet such, great majority American includes me such American doctor is not clear about inside, compatriots can save save worry more.
How to do without insurance?
To doing not have the individual of insurance, when need pays completely at one's own expenses, obtain the price derate of the coequal extent with large insurance company unlikelily. But if do not go striving for, and the sheet that press Zhang is illuminated pay, so the chance that you lost economic pay in vain. So, still should talk things over with hospital and doctor strive.
A particular case:
Some youth male, during the home 3 years ago comes to the beauty to inspect investment, because of gall-stone acute bellyacke, enter room of emergency call of center of a famous medicine of boreal California twice. Turn the 2nd times into be in hospital by emergency call, did small achieve cystic resection. Because be emergency call, the patient just asked before cure next place require cost probably, explaining is to ask to hit at one's own expenses fold, the hospital gave out to estimate cost and agree to depreciate 30% . But the Zhang that after leaving hospital later, he received add up to to amount to 110 thousand dollar in succession is odd, exceeded the number that original hospital place gives greatly. If be accepted only of 30% depreciate, he is about to pay 80 thousand much dollar. Fortunately the rate system of hospital of United States of deep know well of friend is in the beauty of this patient is spent, the concerned department that helps him a few times look for a hospital talks things over strive, finally with settle of 30 thousand dollar.
Remind finally at 2 o'clock:
In the United States the life must have cure to protect. An example that see is much involve a student studying abroad. Such mistake says normally should not happen, because the United States is normal,the college is can compulsive the student that has insurance (include a student studying abroad) buy medical treatment to be sure through the school. Still hope to conduct well in the student that is not regular school, buy lawful medical treatment insurance.
If need at one's own expenses go to a doctor, counteract in process of make a diagnosis and give treatment after receiving Zhang sheet, want to discuss peace talks to sentence in time with hospital and doctor,
Author brief introduction
Deng Qiao is built, bodhi medical treatment is presiding and safe advisory, cure of former California blue aegis keeps company vice president
Gloria Zhang, the United States overcomes doctor of Li Fulan clinic
