隨著Ethan的腳步
爸爸這星期也牙痛跑去看醫生了
醫生一看到我的牙齒
馬上笑著說 - 唐先生,看來你看牙的經驗真是太豐富了
本來嘛
嘴裡四顆假牙(crown)加上一組牙橋(bridge)
加上一大堆蛀牙縫縫補補的
一口濫牙任誰看都知
基本上在美國看牙分成四大項服務
第一類 Preventive and Diagnostic
顧名思義是預防與診斷
預防 - 像是每半年一次的洗牙
診斷 - 像是X光片
大部分保險對於 Preventive and Diagnostic 的coverage都是100%的
第二類 Basic Services 基本服務
像是補牙或根管治療這些
保險的coverage從70,80%到100%都有
我之前的公司 cover 80%
目前的公司的保險是cover 100%
第三類 Major Services 重大服務
像是假牙(crown)或牙橋(bridge)之類的
我之前的公司 cover 70%
目前的公司的保險是cover 80%
第四類 Orthodontia 牙齒矯正術
就是小朋友帶的牙套
目前我遇過的保險都只有cover 50%
畢竟這相當貴
cover太多保險公司大概也受不了
最後要注意的就是每年福利的上限了 (Annual Maximum Benefit)
我最早的雇主每年的上限只有1000
我上個雇主每年的上限有1500
現在的公司每年的上限則有2000
題外話
就像醫療保險一樣
牙醫保險這幾年來漲的實在是嚇人
我記得在2000年我的牙醫保險大約每人每月將近四元
但2008現在則是每人每月約21元
6 comments:
哈 larry 你輸我啦 My dental is much worse than yours . that's why I started David's Dental check since he was two . My husband joked about that he said my mounth might worth two BMWs now. I have two implant so far ( they tried to do another three but it doesn't work to the way we want ) countless crown. my dental max cover is 1000. Luckily I have a very nice Dentist who love me always works with my about the "money" part..ha./.......
It is very expensive to see a dentist in US without insurance. When we were students and did not have the dental insurance, we rather waited until we went back to Taiwan to see a dentist unless we couldn't stand the pain.
hello, i'm searching the dental insurance information by google and found your article.can you kindly let me know which dental insurance company you have currently?, and did you have any recommend dentist in DC area?thank you so much!!
Hi,
I'm assuming that you referred to Chinese dentists.
My company has its own dental insurance. Our policies might be different than those from other insurance companies. We have our own underwriters, and we can choose any dentist we want.
In the past, we had used such as Aetna and Metlife as our dental insurance carriers. It doesn't matter which carrier (company) you have. What it matters is what kind of plan (deductibles and coverages) your employer provide. For example, A and B are with different employers, but both employer provides Metlife. A's employer could provide 100% on everything, but B's employer could only provide 50%.
We don't really have any recommend destists in DC area. I use 高偉麗 becasue she is close to my office in Virginia. My wife and kids use an American dentist who is located on the first floor in her office building for convenience. We used 姚克誠 before because he went to the same school as we did. His equipments are fairly new but it is not easy to schedule an appointment with him.
Hope it helps.
appreciate your response!thank you!
在美國，醫療保險的費用高，但卻又不得不買。在醫療保險裡面，卻又不包括牙科保險和眼科保險。 雖然有了保險公司的保單，但是看病也不是全免費，掛號費和藥物全都是要自費的。 更何況如果情況更糟，必需要住到醫院的話，一個沒有醫療保險的中產階層，一場大病就可能徹底破產。 因此在美國，勞工醫療保險是必要的。而牙齒保險也是勞工健康保險其中的一纇。然而牙齒的治療通常都不包括在醫療保險範圍裡面，若牙齒不好的人最好購買牙齒保險，以免花大錢。
而網站所提共的線上申請牙齒保險功能，更讓您方便的買到牙齒保險，不必要浪費您寶貴的時間千里迢迢去買保險。
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