America (162)
Raspunsuri - Pagina 3
miereamara spune:
Ofera multe, inclusiv dental.
Deductible 1500 de persoana, apoi totul acoperit 100%.Out of pocket 1500/persoana. Vizitele la doctor de familie si specialist au numai copayment de 25 si 45 de dolari. Birth control acoperite, doar generic medication cu copayment 15 dolari. Well baby visits si vaccination au doar copayment de 25 de dolari. Cam asta e in mare ceea ce ma intereseaza pe mine la momentul de fata.
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Andrada spune:
Ce doctori acopera? Ce spitale acopera? Cit e emergency visit? Spitalizarea cit acopera? Cit acopera din lab work? Copay e cam mare. Cit sint medicamentele negeneric-brand? Au lista cu medicamentele?
Dentalul ce acopera (cleaning, xray, cit e maximum anual).
Cam astea sint intrebarile importante
miereamara spune:
Mersi, o sa ma uit pe plan cu atentie.
Spitalizarea e acoperita 100% dupa deductible, lab works uzuale e acoperit 100% fara deductible, brand medication nu e acoperit deloc:((
Emergency visit la spital e 300, waived if addmitted,la urgent care center 50$.
Dental 2 cleanings gratis si 80% din basic, major operations nu acopera nimic (dar e ok ca eu nu am probleme deloc, merg la dentist doar pt cleaning). Acopera 750 pe an, fara waiting time.
Xray - 50 de doalri copayment, MRI< MRA< CT - 200 de doalri copayment, fara deductible aplicat.
Ce crezi? E ok? asa in mare...
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AB spune:
Miere eu am co-pay de 10 pt vizita bolnava si zero sanatoasa.
Asta cu reteaua si medicamentele trebe verificata: ce retea si cati medici specialisti ai in zona.
Altfel avem si noi doua cazuri confirmate in county. Si poate inca doua. Si acum cuget scarpinici. Deocamdata pare mild. La alte pandemii primavara a fost mild si toamna jale. Asa ca dam cu banul ce sa facem.
Ne-au dat de la scoala fituici ce sa faci in caz de febra etc. La job al meu a primit un dosar de indicatii si cum saptamana trecuta a fost cu treaba de job in NYC, acum lucreaza de acasa. Bonus primii cafeau de dimineata cu laptic :)
In fine merg la cumparaturile lunare acus!
VioletaH spune:
The media frenzy surrounding the swine flu has sent people into mass hysteria. Sales of facemasks are ramping up, and antibacterial cleansers are flying off grocery store shelves in record numbers. But the fact is, it's difficult—if not impossible—to get an accurate handle on the real impact of the swine flu.
The news media is reporting skyrocketing cases in Mexico, but the figures are unreliable—and the number of laboratory-confirmed cases is small in comparison to suspected cases. As of today (April 30, 2009), there has only been one reported death in the U.S.—a toddler from Mexico in Texas.
Yet, the World Health Organization immediately issued health alerts. The U.S. government, after just 20 cases of swine flu and no deaths, declared a public health emergency. And President Obama is calling for billions of dollars to stockpile drugs, monitor the disease, and help with international efforts.
This high level of panic is reminiscent of the 1976 swine flu debacle. As you may remember, several army recruits at Ft. Dix, NJ, got swine flu and one died (after a strenuous, five-mile, overnight hike). Yet, the government rushed into a nationwide vaccination program. All told, 45 million Americans were vaccinated at a cost of $135 million. Shortly thereafter, Guillain-Barré syndrome, a paralyzing neurological disorder, cropped up in hundreds of the vaccinated people. Meanwhile, the swine flu epidemic never materialized.
The role of the drug companies
The truth is, our government has been preparing for a global flu pandemic for years, stockpiling medications and working on new vaccines.
Obviously, this is a windfall for the companies that manufacture these drugs. Their profit potential is enormous, yet their accountability is limited. Thanks to government intervention, any claims of injury caused by vaccinations must be filed through the Federal Court of Claims, which will require years of bureaucratic red tape. Furthermore, individuals can only sue if they have proof that a vaccine manufacturer did intentional harm.
So, what can you do to protect yourself?
The first step is not to panic. All of this media hype is doing far more harm than good. In reality, run-of-the-mill flu is likely more dangerous and deadly than the swine flu. Don't believe me? According to the Center for Disease Control, 200,000 people in the U.S. are hospitalized each year with regular flu and 36,000 die from related complications. Despite the hype, the swine flu is behaving much like the regular flu—and most cases in the U.S. have been "mild."
Your best defense is to stay healthy. Eat a good diet, exercise, and get enough sleep. Practice scrupulous hygiene by washing your hands regularly. Keep your distance from people who have symptoms—and if you're sick, do everyone else a favor and stay home.
I also recommend that you make a point to bolster your immune system. Take a good daily multivitamin and mineral supplement, along with extra vitamin D (2,000-5,000 IU/day) and vitamin C (a minimum of 1,000mg/day). You may also want to consider using immune-boosting products.
Folks, there's no reason to panic. Of course, you should seek medical care if you need it, but for most, preventive measures should work just fine.
To your health,
Julian Whitaker, MD
Vio &
Seanwww.onetruemedia.com/otm_site/view_shared?p=863471b462ccca5342ce0b&skin_id=701&utm_source=otm&utm_medium=email" target="_blank">Amazing 365
AB spune:
Vio multam. Nu-s panicata.
Reguli stricte de igiena am avut mereu. Prin religie spalatul pe maini e obligatoriu inainte de orice masa/snack. Copiii au ca-n .ro haine de scoala si haine de acasa, dar asta nu i-a impiedicat vreodata sa cada bolnavi asa undeva pe la jumatatea plutonului de bolnavi din clasa.
Int-o epidemie regulile de igiena intarzie propagarea nu o impiedica. Ceea ce-i important, dar asa pe scara mai larga.
Pur si simplu ma intrebam daca e inteligent sa evit imbolnavirea acum, daca situatia s-ar prezenta.
Citeam pe aici:
http://www.journals.uchicago.edu/doi/abs/10.1086/592454
"Pandemic preparedness plans should consider that immune protection could be naturally acquired during a first wave of mild influenza illnesses."
Hilde spune:
Miere, este PPO sau HMO?
Daca ti se pare mare, incearca un deductible mai mare, 2500 de ex, si vezi ce premium primesti. De obicei reducerea de premium make up pt cresterea in deductible. La deductible platesti numai daca ai nevoie. Daca mentii deductible mic si premium mare, platesti no matter what.
Fa un T account.: ) )
N-am inteles daca asigurarea e Blue Cross. Dentalul de la ei nu e bun deloc, nici nu merita sa platesti. Sunt f putini dentisti care au contract cu ei, cel putin in zona mea. Verifica sa ai multi dentisti in zona mea, ca sa vezi daca ai de unde sa alegi. La mine este doar unul in toata area.
Hilde spune:
La ce riscuri te supune un C-Section in viitor ca sa-ti creasca pretul? Sa-ti citesti dosarele medicale cu atentie si sa-i intrebi exact care e pb lor cu C-section.
Hai ca m-am uitat sa vad cat mai platim noi la BCBS acum, ca serviciile noastre ofera doar HMO, asa ca ne cumparam singuri PPO. Ne-am crescut si noi deductible ca astia cresc preturile cu 10% in fiecare an.
Ok. Deci eu am 2500 deductible, 215/luna. Nici un copayment.
Sotul are 2500 deductible, 105$/luna. Nici un copayment.
Nu platim nimic altceva, alegem doctorii.
Este posibil a preturile sa fie setate dupa statul in care locuiesti, asa ca nu stiu daca comparatiile sunt tocmai potrivite. Poate mai sunt fete in Fl care platesc si poti sa compari cu ceea ce au ele.
miereamara spune:
Hilde, este BCBS si PPO.
Dar in pretul acela intra si copilul, care e high maintenance:))
Nu stiu care e faza cu c-section, ei mi-au spus ca c-section predispune la complicatii ulterioare si in cazul unei noi sarcini e foarte probabil sa ai o a doua c-section.
Si eu pot sa-mi aleg doctorii. Dentalul este inclus in pret, nu platesc separat si nu are importanta dc e in network sau out-of-network, pretul e acelasi si acelasi deductible (75 de dolari).
Cred ca o voi lua pe aceasta, nu prea am chef sa ma plimb pe la diverse birouri cu copilul dupa mine ca sa iau estimates. Si asa stau cu inima stransa cand il iau la scoala cu mine, din cauza gripei.
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LucasMom spune:
Miere de ce nu iei de aici, sunt foarte responsive si foarte operativi.
https://www.ehealthinsurance.com/ehi/Alliance?allid=Goo18811&sid=QUOTES+042106+1
Sotul cu Lucas platesc $222 pe luna si parca e BCBS/Anthem PPO 1500 deductible, fara dental nu stiu prea multe detalii decat ca include 3 vizite gratis pt well baby. Nu stiu cat e copay. Eu am de la firma unde lucrez. Daca ma adaugam si pe mine pe polita era inca $130 extra.