健康保险基本知识

健康保险基础知识
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Health insurance helps you pay for your 医疗成本 including 成本s for preventive 护理. 你必须缴纳保险费才能享受健康保险.

健康保险通常不会支付100%的医疗费用. 它是设计好的 to share expenses with you up until a certain point, called the out-of-pocket maximum. After you hit the out-of-pocket maximum, the health insurance will pay 100% of your 医疗成本.

Keep in mind that there may be medical services that are not covered by your health 保险计划，你可能要负责100%的费用.

有关学生健康保险的资料，请浏览 学生健康保险页面.

小贴士:

  • To avoid confusion and unexpected expenses, read your insurance plan’s policy. 你 可以从你的计划的福利概述开始吗. 欲了解更多详情，请阅读您的 规划的总体政策.
  • If available, sign up for 一个帐户 at your 保险公司’s member website where 您可以查看您的计划的福利，索赔等.

你需要知道的术语

溢价 你支付给健康保险公司的金额是维持保险范围吗.

网内 refers to health护理 providers or facilities that are part of your health insurance Plan与之协商折扣的供应商网络. 你通常付钱 如果你选择网络内的供应商，会少一些.

服务覆盖 are the medically necessary services paid for, arranged, or authorized for you by 保险公司. Covered的意思是保险公司将分担费用 所涵盖的服务，但不一定支付100%的费用.

可扣除的 is the amount you are required to pay out-of-pocket before 保险公司 开始支付你的医疗费用. 记住，你的保费和共同支付/共同保险 不计入你的免赔额吗.

共同支付或共同支付 is a fixed dollar amount you may be required to pay up front for a specific type 的服务.

共同保险 is your share 成本的多少s for covered medical services after you have satisfied 任何共付或免赔额(如有). 它是按允许的百分比计算的 医疗服务金额.

现款支付的最大 is the highest amount you pay during a coverage year before the health insurance 开始为承保服务支付100%的允许金额.

利益说明(EOB) is a written explanation from 保险公司 regarding a claim 提交ted by 向医疗保健提供者付款. 它显示了保险公司支付的费用 病人必须付钱. EOB不是账单，尽管它会解释任何费用 病人仍欠或可能已经支付的费用. 医疗保健提供者会 send a separate bill for the unpaid portion of the patient's share of 成本, if any.

寻求医疗护理

全球赌博十大网站健康服务
If you are feeling ill, are seeking preventive 护理, have health-related questions 和/或需要卫生资源，请访问 全球赌博十大网站健康服务 在大卫·杜宾斯基学生中心的A402房间 . 不管什么健康保险 you have, you may make an appointment or walk in without an appointment during clinic 如果您是目前注册学分课程的学生，则为小时. 你可以预约 可在 全球赌博十大网站健康门户 .

紧急情况
如果你有 an on-campus emergency, contact the 全球赌博十大网站 公共安全部 using 红色对讲机安装在整个校园或拨打(212)217-7777. 如果你有 校外紧急情况请拨打911.

外部供应商和设施
如果你需要看专科医生(e.g. 皮肤科医生)，另一个医疗保健提供者 or facility outside the campus, 全球赌博十大网站健康服务 can help you find a provider. If you already have a provider in mind, make sure the provider is in network to minimize 成本.

小贴士:

  • 在钱包、手机或两者都放一份保险卡的复印件. 此外, 您可以将保险信息保存在您的联系人列表中.
  • Always verify if a health护理 provider is in network before seeing the provider.
  • Always provide your insurance card or insurance information when seeking medical 护理 so the health护理 provider or facility can send the bill to 保险公司 支付保险公司的费用.
  • Ask your health护理 provider if they have an online health portal and sign up for 一个帐户. The health portal may be helpful in keeping track of your visits, appointments, 医疗保健、账单等等.

制药/药物

你r pharmaceutical insurance may be provided by a different company than your medical 保险公司. 大多数药品保险只包括处方药， 不是非处方药.

Upon getting a prescription for a medication, there are two ways to fill the prescription:

  • 零售药店 are pharmacies that you can visit in person, like Duane Reade/Walgreens and CVS. Medications that you need as soon as possible, do not take regularly or do not need 服用3个月或更长时间，通常在零售药房配药. 如果你服用药物 regularly and need it for 3 months or more like birth control pills, we suggest requesting 您的医疗保健提供者的邮购处方.
  • 邮购药店 一次服用3个月的处方剂量. 共付或共同保险3个月 药品的供应通常比在零售药房配药时要少. 处方 是通过电子方式、邮寄方式还是传真方式发送到邮购药房. 的药物 然后送到你家吗. 等待10到21天来接受你的药物治疗 在邮购药房. 与您的保险公司联系，了解您的计划 邮购药店.

补开或续开处方

If you are running out of your medication and need more, you will need to request a refill from the pharmacy or request a renewal from your health护理 provider.

处方可能包括也可能不包括一些补充. 药品上的处方标签 你的药会显示你还剩下多少药.

如果你有 refills left, contact the pharmacy to request a refill of your medication. 如果你有 no refills left, you must consult with your health护理 provider to renew 你的处方.

每次加注或加注可能需要共同支付或共同保险，如果有的话.

小贴士:

  • Save information including addresses and phone numbers of your preferred pharmacy 还有备用药房.
  • 如果你服用药物 regularly and need it for 3 months or more like birth control pills, we suggest requesting 您的医疗保健提供者的邮购处方 使成本最小化.
  • Always provide your pharmaceutical insurance card or insurance information when filling 或者重新配药.
  • If you need a refill or renewal of your medication, it is ideal to request a refill 或者至少在用完前7天续订. 如果你的药物是邮寄给你的， it is ideal to request a refill or renewal at least 10 to 21 days before you run out.
  • If available, sign up for 一个帐户 at your pharmacy’s website where you may check 你的处方状态，要求重新配药等等.

支付医疗服务和产品

For services and products that have copayment/copay, you must pay the copay and deductible, 如有，在您的访问或预约期间.

For services and products that have coinsurance, the health护理 provider will send 你要付你那份费用的帐单. 该法案将包含如何做到的信息 请付款.

小贴士:

  • When you receive a bill, make sure that you are being charged for only your share 成本的多少. 如果有的话，你分担的费用可能包括免赔额. 如果账单 does not show any payment from your insurance and the full amount is due, ask the 医疗保健提供者首先将账单发送给保险公司. 你也可以 你自己把帐单寄给保险公司. 一旦保险公司赔付 its share 成本的多少, you may ask the health护理 provider for an updated bill sent 然后按照账单上的说明支付共同保险.