{"id":7962,"date":"2017-11-15T19:59:55","date_gmt":"2017-11-15T19:59:55","guid":{"rendered":"https:\/\/www.kcal.net\/simplified\/?p=7962"},"modified":"2018-10-12T20:53:54","modified_gmt":"2018-10-12T20:53:54","slug":"guide-change-health-insurance","status":"publish","type":"post","link":"https:\/\/www.kcal.net\/simplified\/our-blog\/guide-change-health-insurance\/","title":{"rendered":"\u72b9\u8c6b\u8981\u4e0d\u8981\u6362\u5065\u5eb7\u4fdd\u9669\uff1f\u4e0d\u77e5\u600e\u4e48\u6362\uff1f4\u4e2a\u95ee\u9898\uff0c\u770b\u5b8c\u5c31\u884c\u52a8\uff01"},"content":{"rendered":"<p>[et_pb_section bb_built=&#8221;1&#8243;][et_pb_row][et_pb_column type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;3.0.87&#8243; background_layout=&#8221;light&#8221;]<\/p>\n<p style=\"text-align: justify;\"><img fetchpriority=\"high\" fetchpriority=\"high\" decoding=\"async\" class=\"alignright wp-image-7706\" src=\"https:\/\/www.kcal.net\/wp-content\/uploads\/2017\/11\/choice.jpg\" alt=\"health-insurance-choices\" width=\"415\" height=\"274\" \/>2018\u5e74\u8f6c\u773c\u5c31\u8981\u6765\u4e86\uff0c\u73b0\u5728\u4e5f\u6b63\u662f\u4e00\u5e74\u4e00\u5ea6\u5065\u5eb7\u4fdd\u9669\u7684\u7533\u8bf7\u548c\u8f6c\u6362\u7684\u65f6\u671f\u3002<\/p>\n<p style=\"text-align: justify;\">\u5728\u52a0\u5dde\uff0c\u6c11\u4f17\u57282017\u5e7411\u67081\u65e5\u81f32018\u5e741\u670831\u65e5\u671f\u95f4\uff0c\u53ef\u4ee5\u81ea\u7531\u8f6c\u63622018\u5e74\u7684\u5065\u4fdd\u8ba1\u5212\u3002\u5982\u679c\u60a8\u8fd8\u5728\u8003\u8651\u662f\u5426\u9700\u8981\u8f6c\u6362\u4fdd\u9669\uff0c\u6216\u8005\u72b9\u8c6b\u4e0d\u5b9a\u8981\u6362\u5230\u54ea\u5bb6\uff0c\u9a6c\u4e0a\u900f\u8fc7\u4ee5\u4e0b\u56db\u4e2a\u95ee\u9898\u81ea\u6211\u68c0\u89c6\uff0c12\u670815\u65e5\u524d\u884c\u52a8\uff0c\u4fdd\u8bc1\u65b0\u4fdd\u96692018\u5e741\u67081\u65e5\u751f\u6548\u3002<\/p>\n<p style=\"text-align: justify;\">\u82e5\u662f\u9996\u6b21\u7533\u8bf7\u4e2a\u4eba\u5065\u5eb7\u4fdd\u9669\uff0c\u8fd9\u4e09\u4e2a\u6708\u5185\u6295\u4fdd\u6bd4\u8f83\u5bb9\u6613\uff0c\u751a\u81f3\u6709\u4e9b\u8fd8\u6ca1\u6709\u529e\u7406\u597d\u793e\u4f1a\u5b89\u5168\u7801SSN\u7684\u6c11\u4f17\uff0c\u4e5f\u53ef\u4ee5\u7533\u8bf7\u3002\u4f46\u82e5\u8fc7\u4e86\u8fd9\u4e09\u4e2a\u6708\uff0c\u9664\u975e\u975e\u5e38\u7279\u6b8a\u7684\u60c5\u51b5\uff0c\u5426\u5219\u5c06\u5f88\u96be\u6295\u4fdd\u3002\u6240\u4ee5\u5065\u4fdd\u4e13\u5bb6\u7279\u522b\u63d0\u8bf7\uff0c\u5343\u4e07\u4e0d\u8981\u9519\u8fc7\u8fd9\u4e00\u5e74\u4e00\u5ea6\u7684\u673a\u4f1a\u3002<a href=\"https:\/\/www.kcal.net\/2018-health-insurance-application\/\">\uff08\u70b9\u51fb\u7acb\u5373\u6295\u4fdd\uff09<\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;3.0.87&#8243; background_layout=&#8221;light&#8221;]<\/p>\n<h3>\u4e00\u3001\u53bb\u5e74\u4ed8\u4e86\u591a\u5c11\u5065\u4fdd\u548c\u533b\u7597\u8d39\uff1f<\/h3>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><strong>\u4f60\u76ee\u524d\u6bcf\u6708\u7684\u5065\u5eb7\u4fdd\u9669\u8d39\u7528\u662f\u591a\u5c11\u5462\uff1f\u8fc7\u53bb\u4e00\u5e74\u91cc\uff0c\u53c8\u82b1\u4e86\u591a\u5c11\u94b1\u770b\u533b\u751f\u6216\u62ff\u836f\u5462\uff1f<\/strong><\/p>\n<p style=\"text-align: justify;\">\u4e00\u822c\u6765\u8aac\uff0c\u6bcf\u6708\u652f\u4ed8\u7684\u5065\u4fdd\u8d39\u7528\u8d8a\u9ad8\uff0c\u9700\u8981\u81ea\u4ed8\u7684\u533b\u7597\u8d39\u7528\u5c31\u8d8a\u4f4e\uff1b\u4fdd\u8d39\u8d8a\u4fbf\u5b9c\uff0c\u9700\u8981\u81ea\u4ed8\u7684\u533b\u7597\u8d39\u5c31\u8d8a\u9ad8\u3002<\/p>\n<p style=\"text-align: justify;\">\u5f88\u591a\u8eab\u4f53\u5065\u5eb7\u7684\u6c11\u4f17\uff0c\u4f1a\u76f4\u63a5\u9009\u62e9\u94dc\u7ea7\u8ba1\u5212\uff0c\u7b97\u662f\u6700\u57fa\u672c\u7684\u798f\u5229\uff0c\u4ef7\u683c\u4e5f\u662f\u6700\u4fbf\u5b9c\u7684\u3002\u60a8\u5982\u679c\u8fd9\u4e00\u5e74\u6ca1\u53bb\u8fc7\u533b\u751f\u8bca\u6240\u51e0\u6b21\uff0c\u94dc\u7ea7\u5c31\u8db3\u591f\u4e86\u3002\u5982\u679c\u7ecf\u5e38\u9700\u8981\u770b\u533b\u751f\uff0c\u6709\u56fa\u5b9a\u5904\u65b9\u836f\u8981\u957f\u671f\u670d\u7528\uff0c\u6216\u8005\u8ba1\u5212\u6000\u5b55\u7684\u8bdd\uff0c\u5c31\u8981\u597d\u597d\u7b97\u4e2a\u8d26\u4e86\u3002<\/p>\n<p style=\"text-align: justify;\">\u94dc\u8ba1\u5212\u867d\u7136\u4fbf\u5b9c\uff0c\u4f46\u770b\u5bb6\u5ead\u79d1\u95e8\u8bca\u8d39\u8981$75\/\u6b21\uff0c\u4e13\u79d1$105\/\u6b21\uff0c\u9a8c\u8840$40\/\u6b21\uff0c\u8d85\u8fc7\u4e09\u6b21\u770b\u8bca\u540e\uff0c\u6574\u5e74\u90fd\u8981\u5168\u989d\u81ea\u4ed8\u6240\u6709\u770b\u8bca\u8d39\u7528\uff0c\u76f4\u5230$7000\u5e74\u5ea6\u4e2a\u4eba\u81ea\u4ed8\u989d\u540e\uff0c\u624d\u91cd\u65b0\u62e5\u6709\u95e8\u8bca\u8d39\u798f\u5229\u3002\u6025\u8bca\u3001\u624b\u672f\u3001\u4f4f\u9662\uff0c\u4e5f\u90fd\u8981\u81ea\u5df1\u5148\u4ed8\u6ee1\u51e0\u5343\u7f8e\u5143\u3002<\/p>\n<p style=\"text-align: justify;\">\u76f8\u6bd4\u8d77\u6765\u5c31\uff0c\u91d1\u8ba1\u5212\u867d\u7136\u8d35\u4e00\u70b9\uff0c\u4f46\u770b\u5bb6\u5ead\u79d1\u95e8\u8bca\u8d39\u8981$25\/\u6b21\uff0c\u4e13\u79d1$55\/\u6b21\uff0c\u9a8c\u8840$35\/\u6b21\uff0c\u6ca1\u6709\u6b21\u6570\u9650\u5236\uff0c\u6025\u8bca\u5ba4\u53ea\u8981$325\uff0c\u624b\u672f\u3001\u4f4f\u9662\u53ea\u9700\u4ed820%\u7684\u8d26\u5355\u3002<\/p>\n<p style=\"text-align: justify;\">\u56de\u987e2017\u5e74\uff0c\u5982\u679c\u60a8\u611f\u89c9\uff0c\u867d\u7136\u6709\u4fdd\u9669\uff0c\u4f46\u6240\u6709\u81ea\u8d1f\u989d\u52a0\u8d77\u6765\u8fd8\u662f\u81ea\u638f\u8170\u5305\u82b1\u4e86\u51e0\u5343\u5757\u533b\u7597\u8d39\u7684\u8bdd\uff0c\u4e0d\u59a8\u8d812017\u5e7411\u67081\u65e5\u81f32018\u5e741\u670831\u65e5\u5f00\u653e\u6295\u4fdd\u671f\uff0c\u9a6c\u4e0a\u8054\u7edc\u534e\u5174\u4fdd\u9669\u5065\u4fdd\u89c4\u5212\u5e08\uff0c\u4e3a\u60a8\u7cbe\u6253\u7ec6\u7b97\uff0c\u770b\u662f\u5426\u8981\u8c03\u6574\u8ba1\u5212\u7b49\u7ea7\uff0c\u9009\u62e9\u6700\u9002\u5408\u60a8\u7684\u4fdd\u9669\u3002<\/p>\n<p style=\"text-align: justify;\"><strong><span style=\"color: #3366ff;\">\u4ef7\u683c\u597d\u5eb7\u770b\u8fd9\u88e1\uff1a2018\u5e74\uff0c\u6a59\u53bf\u3001San Bernardino\u3001Chino\u3001Riverside\u7b4957\u53f7\u516c\u8def\u4ee5\u4e1c\u7684\u6c11\u4f17\uff0c\u6709\u4e9b\u4fdd\u9669\u516c\u53f8\u7684\u94dc\u8ba1\u5212\u53ef\u4ee5\u4f4e\u5230\u6bcf\u4eba\u6bcf\u6708\u4fdd\u8d39\u53ea\u8981$1\uff01\u5347\u7ea7\u597d\u798f\u5229\u91d1\u8ba1\u5212\uff0c\u4ef7\u683c\u53cd\u800c\u6bd4\u94f6\u8ba1\u5212\u8fd8\u8981\u4fbf\u5b9c\u3002\u7acb\u5373\u8054\u7edc\u534e\u5174\u4fdd\u9669\u5065\u4fdd\u89c4\u5212\u5e08\u62a5\u4ef7\uff0c\u4f60\u7684\u4fdd\u8d39\u6216\u8bb8\u53ef\u4ee5\u4fbf\u5b9c\u518d\u4fbf\u5b9c\uff01<\/span><\/strong><\/p>\n<p style=\"text-align: justify;\"><em><span style=\"color: #3366ff;\">\u771f\u5b9e\u6848\u4f8b\uff1a<\/span><\/em>\u5f20\u4f2f\u4f2f\u548c\u8001\u4f34\u4f4f\u5728\u54c8\u5c97\uff08LA COUNTY\uff09\uff0c\u4e00\u5e744\u4e07\u6536\u5165\uff0cKaiser\u51ef\u8428\u94dc\u8ba1\u5212\u6bcf\u6708\u4e24\u4eba\u53ea\u8981$2\uff0c\u5982\u679c\u7528\u94f6\u7ea7PPO\u5c31\u8981$417.35\u4e00\u4e2a\u6708\u3002\u5f20\u4f2f\u4f2f\u8eab\u4f53\u5f88\u597d\uff0c\u4ece\u6765\u4e0d\u770b\u75c5\u3002\u534e\u5174\u4fdd\u9669\u7684\u4e13\u5458\u4e3a\u4f2f\u7b97\u4e86\u8fd9\u6837\u4e00\u7b14\u5e10\uff1a\u5982\u679c\u6bcf\u4e2a\u6708\u53ea\u4ed8\u94dc\u8ba1\u5212$2\uff0c\u4e00\u4e2a\u6708\u5c31\u7701\u4e0b\u6765$417.35 &#8211; $2 = $415.35\uff0c\u4e00\u5e74\u5c31\u80fd\u7701\u4e0b$4984.2\uff0c \u4e07\u4e00\u9700\u8981\u5c0f\u75c5\u4e0d\u8212\u670d\uff0c\u5148\u7528Kaiser\u7684\u7f51\u7edc\u533b\u751f\u89c6\u8baf\u529f\u80fd\uff0c\u514d\u8d39\u770b\u8bca\uff0c\u8fd8\u662f\u4e0d\u9650\u6b21\u6570\u7684\u514d\u8d39\u8bd5\u7528\u54e6\uff01\u771f\u6b63\u9700\u8981\u53bb\u533b\u9662\u770b\u75c5\uff0c\u624d\u5f00\u59cb\u9700\u8981\u4ed8\u95e8\u8bca\u8d39\u3002<\/p>\n<p>[\/et_pb_text][et_pb_text 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justify;\">\u5bf9\u4e8e\u533b\u7597\u9700\u6c42\u5927\u7684\u6c11\u4f17\u6765\u8bf4\uff0c\u4e3a\u4e86\u5c06\u6765\u7684\u9700\u6c42\uff0c\u53ef\u4ee5\u8003\u8651\u8f6c\u6362\u5230\u798f\u5229\u8f83\u9ad8\u7684\u7b49\u7ea7\uff0c\u94c2\u91d1\u7b49\u7ea7\u7684\u5065\u4fdd\u8ba1\u5212\u867d\u7136\u4fdd\u8d39\u6700\u9ad8\uff0c\u4f46\u5e74\u5ea6\u6700\u9ad8\u81ea\u4ed8\u989d\u4e0a\u9650(Out-of-Pocket Maximum)\u53ea\u6709$3,350\uff0c\u800c\u4e14\u95e8\u8bca\u3001\u5316\u9a8c\u3001\u62ff\u836f\u7684\u81ea\u4ed8\u989d\u90fd\u6bd4\u522b\u7684\u8ba1\u5212\u4fbf\u5b9c\uff0c\u7b97\u4e0b\u6765\u53cd\u800c\u53ef\u80fd\u662f\u5212\u7b97\u7684\u9009\u62e9\u3002\u7279\u522b\u662f\u672a\u6765\u6709\u7279\u6b8a\u533b\u7597\u9700\u6c42\u7684\u6c11\u4f17\uff0c\u4e5f\u8981\u8003\u8651\u5230\u5e95\u662fHMO\u8fd8\u662fPPO\u66f4\u9002\u5408\u60a8\u3002\u8bb0\u4f4f\uff0c\u4fdd\u8d39\u4e0d\u662f\u552f\u4e00\u8003\u91cf\uff0c\u60a8\u7684\u533b\u7597\u9700\u6c42\u540c\u6837\u91cd\u8981\uff01<\/p>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;3.0.87&#8243;]&lt;style type=&#8221;text\/css&#8221;&gt;&lt;!&#8211; [et_pb_line_break_holder] &#8211;&gt;.tg {border-collapse:collapse;border-spacing:0;border-color:#ccc;}&lt;!&#8211; [et_pb_line_break_holder] &#8211;&gt;.tg td{font-family:Arial, sans-serif;font-size:14px;padding:10px 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class=&#8221;tg-yw4l&#8221;&gt;\u719f\u6089\u7f8e\u56fd\u533b\u7597i\u4fdd\u9669\u4f53\u5236\uff0c\u9700\u8981\u770b\u4e0d\u540c\u7684\u4e13\u79d1\u533b\u751f\uff0c\u7ecf\u5e38\u5728\u5916\u5dde\u51fa\u5dee&lt;\/td&gt;&lt;!&#8211; [et_pb_line_break_holder] &#8211;&gt; &lt;\/tr&gt;&lt;!&#8211; [et_pb_line_break_holder] &#8211;&gt;&lt;\/table&gt;&lt;!&#8211; [et_pb_line_break_holder] &#8211;&gt;[\/et_pb_code][et_pb_text _builder_version=&#8221;3.0.87&#8243; background_layout=&#8221;light&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #3366ff;\"><strong>\u4ef7\u683c\u597d\u5eb7\u770b\u8fd9\u88e1\uff1a2018\u5e74\uff0c\u6a59\u53bf\u3001San 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justify;\"><strong>\u6bcf\u4e2a\u5065\u4fdd\u8ba1\u5212\u90fd\u6709\u81ea\u5df1\u7684\u533b\u751f\u4e0e\u533b\u7597\u7f51\uff0c\u5982\u679c\u4e0d\u5728\u533b\u7597\u7f51\u5185\u770b\u8bca\uff0c\u5c31\u5fc5\u987b\u5206\u62c5\u66f4\u591a\u7684\u533b\u7597\u8d39\u7528\u751a\u81f3\u5168\u989d\u81ea\u8d39\u3002<\/strong>\u56e0\u4e3a\u533b\u751f\u548c\u533b\u7597\u7f51\u7684\u5408\u7ea6\u6bcf\u5e74\u90fd\u4f1a\u66f4\u65b0\uff0c\u6709\u4e9b\u533b\u751f\u53ef\u80fd\u4f1a\u4e0d\u518d\u4e0e\u539f\u672c\u7684\u5065\u4fdd\u8ba1\u5212\u7eed\u7ea6\uff0c\u6240\u4ee5\u5728\u4e00\u5e74\u4e00\u5ea6\u7684<a href=\"https:\/\/www.coveredca.com\/\" target=\"_blank\" rel=\"noopener\"><strong>\u52a0\u5dde\u5168\u4fddCovered California<\/strong><\/a>\u5f00\u653e\u6295\u4fdd\u671f\uff0c\u8bb0\u5f97\u8981\u548c\u719f\u6089\u7684\u533b\u751f\u548c\u533b\u9662\u786e\u8ba4\uff0c\u672a\u6765\u4e00\u5e74\u662f\u5426\u4f1a\u7ee7\u7eed\u63a5\u53d7\u539f\u6765\u7684\u4fdd\u9669\u3002\u5982\u679c\u4f60\u5df2\u7ecf\u53d7\u591f\u4e86\u627e\u533b\u751f\u7684\u70e6\u607c\u4e86\u5417\uff1f<a href=\"https:\/\/www.kcal.net\/our-blog\/213-kaiser-2017\/\">\u76f4\u63a5\u7533\u8bf7Kaiser\u4fdd\u9669\u5427\uff0c\u4e0d\u7528\u518d\u62c5\u5fc3\u5408\u7ea6\u95ee\u9898\uff0c\u770b\u8bca\u6240\u6709\u6536\u8d39\u90fd\u662f\u5408\u7ea6\u5185\u8ba1\u5212\u798f\u5229\u8d39\u7528\uff0c\u7701\u53bb\u4e86\u63a5\u4e0b\u6765\u4e00\u5e74\u7684\u70e6\u607c<\/a>\u3002<\/p>\n<p>&nbsp;<\/p>\n<h3>\u56db\u3001\u6211\u7684\u7ecf\u6d4e\u6536\u5165\u3001\u5bb6\u5ead\u89c4\u6a21\u6709\u53d8\u5316\u5417\uff1f<\/h3>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">\u60a8\u7684\u5bb6\u5ead\u5e74\u6536\u5165\u548c\u5bb6\u5ead\u4eba\u53e3\u6570\u4e0e\u53ef\u83b7\u5f97\u7684\u5065\u4fdd\u8865\u52a9\u606f\u606f\u76f8\u5173\uff1a\u6536\u5165\u589e\u52a0\u6216\u5bb6\u5ead\u62a5\u7a0e\u4eba\u53e3\u51cf\u5c11\u65f6\uff0c\u60a8\u83b7\u5f97\u7684\u653f\u5e9c\u8865\u52a9\u53ef\u80fd\u4f1a\u51cf\u5c11\uff1b\u800c\u6536\u5165\u51cf\u5c11\u6216\u5bb6\u5ead\u62a5\u7a0e\u4eba\u53e3\u589e\u52a0\u65f6\uff0c\u60a8\u53ef\u80fd\u4f1a\u83b7\u5f97\u66f4\u591a\u653f\u5e9c\u8865\u52a9\uff0c\u4e5f\u6709\u53ef\u80fd\u4f1a\u88ab\u5212\u5165Medi-cal\u767d\u5361\u3002<\/p>\n<p style=\"text-align: justify;\">\u5c0f\u5b69\u5927\u5b66\u6bd5\u4e1a\uff0c\u5f00\u59cb\u72ec\u7acb\u62a5\u7a0e\u4e86\uff1b<\/p>\n<p style=\"text-align: justify;\">\u6211\u5bb6\u65b0\u6dfb\u4e86\u5c0f\u5b9d\u8d1d\uff1b<\/p>\n<p style=\"text-align: justify;\">\u7236\u6bcd\u5e74\u6ee165\u5c81\uff0c\u8f6c\u53bb\u8054\u90a6\u7ea2\u84dd\u5361\uff08Medicare\uff09\u3002<\/p>\n<p style=\"text-align: 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