{"id":8659,"date":"2021-08-23T20:43:28","date_gmt":"2021-08-24T03:43:28","guid":{"rendered":"https:\/\/smcovered.com\/?p=8659"},"modified":"2024-12-10T15:12:23","modified_gmt":"2024-12-10T23:12:23","slug":"%e7%be%8e%e5%9b%bd%e5%8c%bb%e7%96%97%e4%bf%9d%e9%99%a9%e5%b8%b8%e7%94%a8%e6%9c%af%e8%af%ad","status":"publish","type":"post","link":"https:\/\/smcovered.com\/cn\/%e7%be%8e%e5%9b%bd%e5%8c%bb%e7%96%97%e4%bf%9d%e9%99%a9%e5%b8%b8%e7%94%a8%e6%9c%af%e8%af%ad\/","title":{"rendered":"\u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u53ca\u533b\u7597\u4fdd\u9669\u5e38\u7528\u672f\u8bed\u5408\u96c6"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8659\" class=\"elementor elementor-8659\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07f5b0b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07f5b0b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e6dee20\" data-id=\"e6dee20\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fd9841 elementor-widget elementor-widget-heading\" data-id=\"0fd9841\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">SM\u7559\u5b66\u5c0f\u8d34\u58eb | \u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u53ca\u533b\u7597\u4fdd\u9669\u5e38\u7528\u672f\u8bed\u5408\u96c6<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6112ad2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6112ad2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-620a2f5\" data-id=\"620a2f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f90476 elementor-widget elementor-widget-jet-banner\" data-id=\"0f90476\" data-element_type=\"widget\" data-widget_type=\"jet-banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-jet-banner jet-elements\"><figure class=\"jet-banner jet-effect-none\"><div class=\"jet-banner__overlay\"><\/div><img decoding=\"async\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/Blog-Banner.jpg\" alt=\"\u770b\u75c5\u548c\u4fdd\u9669\u5e38\u7528\u672f\u8bed\" class=\"jet-banner__img\" title=\"\"><figcaption class=\"jet-banner__content\"><div class=\"jet-banner__content-wrap\"><div class=\"jet-banner__text\"> <\/div><\/div><\/figcaption><\/figure>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8811ec8 elementor-widget elementor-widget-text-editor\" data-id=\"8811ec8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u5f88\u591a\u540c\u5b66\u5728\u7f8e\u56fd\u5c31\u533b\u65f6\uff0c\u4f1a\u5bf9\u533b\u7597\u8d26\u5355\u53ca\u4fdd\u9669\u7406\u8d54\u4e13\u7528\u82f1\u6587\u672f\u8bed\u611f\u5230\u56f0\u60d1\u3002\u5728\u6b64\uff0c\u6211\u4eec\u4e3a\u5927\u5bb6\u6574\u7406\u4e86\u5317\u7f8e\u5c31\u533b\u53ca\u4fdd\u9669\u7406\u8d54\u7684\u76f8\u5173\u8bcd\u6c47\uff0c\u4fbf\u4e8e\u540c\u5b66\u4eec\u66f4\u597d\u5730\u4e86\u89e3\u7f8e\u56fd\u533b\u7597\u884c\u4e1a\u548c\u4fdd\u9669\u76f8\u5173\u77e5\u8bc6\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c1730b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c1730b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d7ae76b\" data-id=\"d7ae76b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54008d8 elementor-hidden-mobile elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"54008d8\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h2 class=\"elementor-toc__header-title\">\n\t\t\t\t\u76ee\u5f55\t\t\t<\/h2>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__54008d8\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__54008d8\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__54008d8\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c7e176 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c7e176\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fc25c7\" data-id=\"1fc25c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4a40b4 elementor-widget elementor-widget-heading\" data-id=\"d4a40b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. \u4f18\u9009\u533b\u7597\u673a\u6784 Preferred Provider Organization\uff08PPO\uff09<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-777d84b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"777d84b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5435e1e\" data-id=\"5435e1e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d30b73 elementor-widget elementor-widget-text-editor\" data-id=\"1d30b73\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u4fdd\u9669\u516c\u53f8\u4f1a\u901a\u8fc7\u4e0e\u90e8\u5206\u533b\u751f\u548c\u533b\u7597\u673a\u6784\u8c08\u5224\u83b7\u5f97\u4f18\u60e0\u7684\u533b\u7597\u670d\u52a1\u4ef7\u683c\uff0c\u5e76\u63d0\u4f9b\u7ed9\u6295\u4fdd\u4eba\uff0c\u8fd9\u4e9b\u7b7e\u8ba2\u5408\u7ea6\u7684\u533b\u751f\u4e0e\u533b\u7597\u673a\u6784\u5408\u8d77\u6765\u5c31\u662fPPO\u8ba1\u5212\u7684\u7f51\u7edc\u5185\u673a\u6784\u3002<b>\u5728PPO\u7c7b\u578b\u7684\u4fdd\u9669\u8ba1\u5212\u4e2d\uff0c\u6295\u4fdd\u4eba\u65e2\u53ef\u4ee5\u9009\u62e9\u5728\u8d54\u4ed8\u6bd4\u4f8b\u66f4\u9ad8\u7684\u7f51\u7edc\u5185\u5c31\u8bca\uff0c\u540c\u65f6\u4e5f\u53ef\u4ee5\u9009\u62e9\u5728\u7f51\u7edc\u5916\u5c31\u8bca\u3002\u5e76\u4e14\uff0cPPO\u7c7b\u578b\u7684\u4fdd\u9669\u8ba1\u5212\u4e0d\u7528\u770b\u6307\u5b9a\u533b\u751f\uff0c\u4e0d\u9700\u8981referral\uff0c\u81ea\u7531\u5ea6\u8f83\u9ad8\u3002<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb15701 elementor-widget elementor-widget-text-editor\" data-id=\"fb15701\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SM\u4fdd\u9669\u4f7f\u7528\u7684\u662f\u201cUnitedHealthcare choice plus PPO\u548cUnitedHealthcare options PPO\u201d\u533b\u7597\u7f51\u7edc\uff0c\u4fdd\u9669\u4f9b\u5e94\u5546UnitedHealthcare\u662f\u5168\u7f8e\u6700\u5927\u7684\u4fdd\u9669\u516c\u53f8, \u533b\u7597\u7f51\u7edc\u975e\u5e38\u5e7f<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da9c80 elementor-widget elementor-widget-text-editor\" data-id=\"3da9c80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*\u7f8e\u56fd\u7684\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u6709\u5f88\u591a\u79cd\u7c7b\u578b\uff0c\u4f8b\u5982PPO\u3001HMO\u3001POS\u7b49\u3002\u4e0d\u540c\u7684\u4fdd\u9669\u8ba1\u5212\u5bf9\u4e8e<b>\u533b\u7597\u673a\u6784\u53ca\u533b\u751f\u7684\u9009\u62e9\u81ea\u7531\u5ea6<\/b>\u4e5f\u6709\u6240\u5dee\u522b\uff0c\u4fdd\u8d39\u4e5f\u4e0d\u540c\u3002\u4f8b\u5982Kaiser\u7684\u4fdd\u9669\u8ba1\u5212\u5c31\u5c5e\u4e8eHMO\u7c7b\u578b\uff0c\u6295\u4fdd\u4f1a\u5458\u5fc5\u987b\u5728\u7f51\u7edc\u5185\u8bca\u6240\u5c31\u533b\uff0c\u4e14\u9700\u8981\u901a\u8fc7\u81ea\u5df1\u7684\u57fa\u7840\u4fdd\u5065\u533b\u751f\u624d\u80fd\u8f6c\u8bca\u4e13\u79d1\u533b\u751f\u3002\u800cPOS\u7c7b\u578b\u7684\u8ba1\u5212\u867d\u7136\u53ef\u4ee5\u5728\u7f51\u7edc\u5916\u8bca\u6240\u5c31\u533b\u7406\u8d54\uff0c\u4f46\u4e5f\u9700\u8f6c\u8bca\u624d\u80fd\u8054\u7cfb\u4e13\u79d1\u533b\u751f\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c50507 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c50507\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-213d4e1\" data-id=\"213d4e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bcdb876 elementor-widget elementor-widget-heading\" data-id=\"bcdb876\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. \u7f51\u7edc\u5185 In-Network \uff08\u7f51\u7edc\u5916 Out-of-network\uff09<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cfa2af2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cfa2af2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-903c739\" data-id=\"903c739\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20de764 elementor-widget elementor-widget-text-editor\" data-id=\"20de764\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In-Network Provider\u662f\u6307\u548c\u4fdd\u9669\u516c\u53f8\u5408\u4f5c\u7684\u533b\u751f\u548c\u533b\u9662\u7b49\u673a\u6784\u3002\u5728\u770b\u533b\u751f\u524d\uff0c\u6700\u597d\u5148\u786e\u8ba4\u8fd9\u4e2a\u533b\u751f\u6216\u662f\u8bca\u6240\u662f\u4fdd\u9669\u516c\u53f8<b>\u7f51\u7edc\u5185<\/b>\u7684\u533b\u751f\uff0c\u8fd9\u6837\u4fdd\u9669\u516c\u53f8\u8d54\u4ed8\u7684\u6bd4\u4f8b\u4f1a\u662f\u6700\u597d\u7684\uff0c\u5927\u5bb6\u4e5f\u4e0d\u7528\u82b1\u90a3\u4e48\u591a\u8d39\u7528\u5728\u652f\u4ed8\u5e10\u5355\u4e0a\u9762\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5f1a40 elementor-widget elementor-widget-text-editor\" data-id=\"e5f1a40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*\u5173\u4e8e\u67e5\u627eStudent Medicover\u7f51\u7edc\u5185\u533b\u751f\u53ca\u533b\u7597\u673a\u6784\uff0c\u8be6\u89c1\u6b64\u7bc7\uff1a<\/p><p><a class=\"internal\" href=\"https:\/\/zhuanlan.zhihu.com\/p\/365910215\" data-za-detail-view-id=\"1043\" target=\"_blank\" rel=\"noopener\">\u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u6307\u5357\u2014\u2014\u4e94\u5927\u533b\u7597\u670d\u52a1\u9009\u62e9\u53ca\u5c31\u8bca\u624b\u7eed\u5168\u6574\u7406|SM\u7559\u5b66\u5c0f\u8d34\u58eb<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ec6020c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec6020c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d01a55\" data-id=\"3d01a55\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a088eb elementor-widget elementor-widget-heading\" data-id=\"8a088eb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. \u81ea\u4ed8\u989d Deductible<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18f4cad elementor-widget elementor-widget-text-editor\" data-id=\"18f4cad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u81ea\u4ed8\u989d\u662f\u6307\u5728\u4fdd\u9669\u516c\u53f8\u5f00\u59cb\u8d54\u4ed8\u524d\uff0c\u6295\u4fdd\u4eba\u81ea\u5df1\u8981\u5148\u4ed8\u7684\u91d1\u989d\u3002\u81ea\u4ed8\u989d\u4e00\u822c\u662f\u6309\u7167\u6bcf\u5e74(Policy Year) \u7d2f\u8ba1\u8ba1\u7b97\u7684\uff0c\u4e5f\u5c31\u662f\u8bf4\u4e00\u5e74\u5185\u7ed9\u591f\u8fd9\u7b14\u94b1\u5c31\u4e0d\u7528\u518d\u652f\u4ed8\u81ea\u4ed8\u989d\u4e86\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7047d9d elementor-widget elementor-widget-heading\" data-id=\"7047d9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. \u8d54\u4ed8\u6bd4\u4f8b Co-insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0350af elementor-widget elementor-widget-text-editor\" data-id=\"b0350af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u6307\u4fdd\u9669\u516c\u53f8\u7ed9\u533b\u7597\u8d39\u8d54\u4ed8\u7684\u767e\u5206\u6bd4\u3002\u4f8b\u5982SM Elite\u8ba1\u5212\u7f51\u7edc\u5185\u7684Coinsurance\u662f90%\uff0c \u5373\u4ed8\u5b8c\u81ea\u4ed8\u989d\u540e\uff0c\u4f60\u53ea\u9700\u8981\u652f\u4ed8\u7f51\u7edc\u5185\u673a\u6784\u533b\u7597\u8d26\u5355\u768410%\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\u8d26\u5355\u768490%\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d64a41 elementor-widget elementor-widget-text-editor\" data-id=\"9d64a41\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*PPO\u533b\u7597\u7f51\u7edc\u7684\u91ca\u4e49\u8be6\u89c1SM\u5c0f\u52a9\u624b\u6574\u7406\u7684\u7f8e\u56fd\u7559\u5b66\u751f\u533b\u7597\u4fdd\u9669\u672f\u8bed\u5408\u96c6\u3002<\/p><p><a href=\"https:\/\/zhuanlan.zhihu.com\/p\/368404124\" target=\"_blank\" rel=\"noopener\">Student Medicover\uff1a\u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u53ca\u533b\u7597\u4fdd\u9669\u5e38\u7528\u672f\u8bed\u5408\u96c6|SM\u7559\u5b66\u5c0f\u8d34\u58eb<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-678cc49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"678cc49\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1f3d35\" data-id=\"a1f3d35\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c950493 elementor-widget elementor-widget-heading\" data-id=\"c950493\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5. \u5171\u4ed8\u989d Co-pay<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aae2ff5 elementor-widget elementor-widget-text-editor\" data-id=\"aae2ff5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u7c7b\u4f3c\u4e8e\u56fd\u5185\u7684\u6302\u53f7\u8d39\uff0c\u6307\u9488\u5bf9\u67d0\u4e9b\u7279\u5b9a\u9879\u76ee\uff08\u533b\u751f\u95ee\u8bca\u3001\u5904\u65b9\u836f\u7b49\uff09\uff0c\u6bcf\u6b21\u770b\u75c5\u65f6\u81ea\u5df1\u9700\u8981\u652f\u4ed8\u7684\u4e00\u5b9a\u91d1\u989d\u3002\u6bd4\u65b9\u8bf4\u533b\u751f\u95ee\u8bca\uff0c\u901a\u5e38\u770b\u4e00\u6b21\u8981\u7f34$20-$40\u7684\u5171\u4ed8\u989d\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0608209 elementor-widget elementor-widget-text-editor\" data-id=\"0608209\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*Co-pay\u662f\u4e0d\u8ba1\u7b97\u5728Deductible\u4e2d\u7684\u5594\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc0e342 elementor-widget elementor-widget-heading\" data-id=\"bc0e342\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. \u6700\u9ad8\u4fdd\u989d Overall Plan Maximum<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4b72a elementor-widget elementor-widget-text-editor\" data-id=\"4a4b72a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u6700\u9ad8\u4fdd\u989d\u662f\u6307\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\u7684\u6700\u9ad8\u91d1\u989d\u3002\u540c\u5b66\u4eec\u8981\u7279\u522b\u6ce8\u610f\u7684\u662f\u4fdd\u989d\u6709<b>\u6bcf\u6b21<\/b>\u6700\u9ad8\u8d54\u4ed8\u989d\u548c<b>\u6bcf\u5e74<\/b>\u6700\u9ad8\u8d54\u4ed8\u989d\u4e4b\u5206\u3002\u5728\u8d2d\u4e70\u4fdd\u9669\u7684\u65f6\u5019\u4e00\u5b9a\u8981\u77e5\u9053\u6bcf\u4e2a\u4fdd\u9669\u7684\u6700\u9ad8\u4fdd\u989d\u662f\u591a\u5c11\uff0c\u8fd9\u6837\u624d\u80fd\u6709\u6700\u597d\u7684\u4fdd\u969c\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f88d957 elementor-widget elementor-widget-text-editor\" data-id=\"f88d957\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SM\u4fdd\u9669\u7684Supreme,Elite, Prime100\u548cPrime500\u8ba1\u5212\u90fd\u662f\u65e0\u4fdd\u989d\u4e0a\u9650\u7684\uff0c\u4e0d\u4ec5\u80fd\u7ed9\u540c\u5b66\u4eec\u63d0\u4f9b\u6700\u9ad8\u4fdd\u969c\uff0c\u5e76\u4e14\u6ee1\u8db3\u4e86\u7edd\u5927\u591a\u6570\u5b66\u6821\u7684\u8981\u6c42\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-013670e elementor-widget elementor-widget-heading\" data-id=\"013670e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7. \u6700\u9ad8\u81ea\u4ed8\u9650\u989d Out-of-Pocket Maximum<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1557289 elementor-widget elementor-widget-text-editor\" data-id=\"1557289\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u6700\u9ad8\u81ea\u4ed8\u4e0a\u9650\u662f\u6307\u5728\u4fdd\u5355\u8303\u56f4\u5185\uff0c\u53d7\u4fdd\u4eba<b>\u4e00\u5e74\u4e2d\u652f\u4ed8\u7684\u6700\u9ad8\u533b\u7597\u8d39\u7528\u4e0a\u9650<\/b>\uff08SM Elite\u662f\u4e94\u5343\u7f8e\u91d1\uff09\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u5bf9\u4fdd\u5355\u5305\u542b\u5185\u5bb9\u5f00\u59cb100% \u8d54\u4ed8\u533b\u7597\u8d39\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b67b42e elementor-widget elementor-widget-text-editor\" data-id=\"b67b42e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u4f8b\u5982\uff1aSM\u4fdd\u9669Elite\u8ba1\u5212\u7f51\u7edc\u5185\u7684\u81ea\u4ed8\u989d\u4e3a$0\uff0cCo-insurance\u4e3a90%\uff0c\u6700\u9ad8\u81ea\u4ed8\u9650\u989d\u4e3a$5000\u3002\u5982\u679c\u6295\u4fdd\u4eba\u5c31\u533b\u82b1\u8d39$60000\uff0c\u90a3\u4e48\u6295\u4fdd\u4eba\u53ea\u9700\u81ea\u4ed80+60000*10%=$6000\u3002\u7531\u4e8e\u81ea\u4ed8\u989d\u8d85\u8fc7\u4e86\u6700\u9ad8\u81ea\u4ed8\u9650\u989d\uff0c\u56e0\u6b64\u6295\u4fdd\u4eba\u6700\u7ec8\u53ea\u9700\u652f\u4ed8$5000\uff0c\u5269\u4f59$1000\u4ecd\u7531\u4fdd\u9669\u516c\u53f8\u8d54\u4ed8\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e591c0 elementor-widget elementor-widget-heading\" data-id=\"8e591c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8. \u9884\u9632\u6027\u6cbb\u7597 Preventative Care<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a479e84 elementor-widget elementor-widget-text-editor\" data-id=\"a479e84\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u9884\u9632\u6027\u6cbb\u7597\u662f\u7f8e\u56fd\u75be\u63a7\u4e2d\u5fc3\u63d0\u51fa\u7684\u6982\u5ff5\uff0c\u5176\u4e2d\u5305\u542b\u4e86\u9884\u9632\u6027\u7684\u68c0\u67e5\u53ca\u75ab\u82d7\u7b49\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80a4da6 elementor-widget elementor-widget-text-editor\" data-id=\"80a4da6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>*\u6709\u5173\u7f8e\u56fd\u5177\u4f53\u9884\u9632\u6027\u75ab\u82d7\u7684\u79cd\u7c7b\u53ca\u63a5\u79cd\u65b9\u5f0f\uff0c\u53ef\u53c2\u8003\u4ee5\u4e0b\u603b\u7ed3\uff1a<\/p><p><a class=\" wrap external\" href=\"https:\/\/mp.weixin.qq.com\/s\/OnH9cP3S_zO1DoDDDtJ4wg\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-za-detail-view-id=\"1043\">\u7f8e\u56fd\u7559\u5b66\u751f\u75ab\u82d7\u5168\u653b\u7565\uff08\u5185\u542b\u9884\u9632\u6027\u5165\u5b66\u75ab\u82d7\u53ca\u5e38\u89c1\u75ab\u82d7\u8be6\u89e3\uff09<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19edac1 elementor-widget elementor-widget-heading\" data-id=\"19edac1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">9. \u5904\u65b9\u836f Prescriptions Drug<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a3b5d elementor-widget elementor-widget-text-editor\" data-id=\"23a3b5d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u5982\u679c\u540c\u5b66\u4eec\u6709\u611f\u5192\uff0c\u8fc7\u654f\uff0c\u6216\u662f\u4efb\u4f55\u9700\u8981\u5904\u65b9\u836f\u7269\u6cbb\u7597\u7684\u75be\u75c5\u90fd\u9700\u8981\u5148\u627e\u533b\u751f\u95ee\u8bca\uff0c\u8bf7\u533b\u751f\u5f00\u5904\u65b9\u540e\u624d\u80fd\u53bb\u9886\u836f\u3002\u6295\u4fdd\u4eba\u9700\u8981\u5728<b>\u7f51\u7edc\u5185\u7684\u836f\u623f<\/b>\u9886\u53d6\u5904\u65b9\u836f\uff0c\u4e00\u822c\u533b\u751f\u95ee\u8bca\u540e\u90fd\u4f1a\u76f4\u63a5\u628a\u4f60\u7684\u5904\u65b9\u76f4\u63a5\u4f20\u9001\u5230\u7f51\u7edc\u5185\u7684\u836f\u623f\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7c049f elementor-widget elementor-widget-text-editor\" data-id=\"e7c049f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SM\u4fdd\u9669\u7684Supreme,\u00a0Elite,\u00a0Prime100\u548cPrime500\u8ba1\u5212\u90fdcover\u5904\u65b9\u836f\uff0c\u540c\u5b66\u9700\u8981\u6839\u636e\u4e0d\u540cplan\u7684\u8d54\u4ed8\u6bd4\u548c\u836f\u7269\u7684\u7b49\u7ea7\u6765\u652f\u4ed8\u76f8\u5e94\u5bf9\u7684copay\u6216\u662fcoinsurance\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfdd286 elementor-widget elementor-widget-heading\" data-id=\"bfdd286\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">10. \u5df2\u5b58\u5728\u75c5\u75c7 Pre-existing Condition<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d1c291 elementor-widget elementor-widget-text-editor\" data-id=\"8d1c291\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u8bb8\u591a\u5065\u5eb7\u4fdd\u9669\u4f1a\u628a\u4fdd\u9669\u751f\u6548\u524d\u4e00\u6bb5\u671f\u95f4\u5185\u6240\u5f97\u75c5\u75c7\u6216\u4f24\u5bb3\u6392\u9664\u5728\u4fdd\u969c\u4e4b\u5916\uff0c\u76f4\u5230\u4fdd\u9669\u751f\u6548\u4e00\u6bb5\u671f\u95f4\u540e\u624d\u4e88\u4ee5\u7406\u8d54\u3002\u8fd9\u662f\u4e3a\u4e86\u98ce\u9669\u63a7\u5236\u5e76\u9632\u6b62\u8fc7\u5ea6\u533b\u7597\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cf153c elementor-widget elementor-widget-text-editor\" data-id=\"6cf153c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u4e0d\u8fc7\uff0cSM\u4fdd\u9669\u7684\u6240\u6709\u8ba1\u5212\u90fd\u662f\u5305\u542bpre-existing condition\u7684\uff08Basic plan\u6709\u5341\u4e8c\u4e2a\u6708\u7684\u7b49\u5f85\u671f\uff0cGlobalCare Basic plan\u6709\u516d\u4e2a\u6708\u7684\u7b49\u5f85\u671f\uff09\uff0c\u6700\u5927\u9650\u5ea6\u4fdd\u969c\u4e86\u6295\u4fdd\u4eba\u7684\u5229\u76ca\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb64f2d elementor-widget elementor-widget-heading\" data-id=\"cb64f2d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">11. \u5df2\u5b58\u5728\u75c5\u75c7 Pre-existing Condition<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7646045 elementor-widget elementor-widget-text-editor\" data-id=\"7646045\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Urgent Care\u6700\u5927\u7684\u597d\u5904\u662f\u4e0d\u9700\u8981\u9884\u7ea6\uff0c\u53ef\u4ee5\u968f\u53bb\u968f\u770b\uff0c\u4e14\u90e8\u5206\u673a\u6784<b>24\u5c0f\u65f6\u5f00\u95e8<\/b>\u3002Urgent Care\u8d1f\u8d23\u5904\u7406\u8f83\u5c0f\u7684\u5e94\u6025\u72b6\u51b5\uff0c\u4f8b\u5982\u53d1\u70e7\u3001\u809a\u5b50\u75bc\u3001\u5212\u4f24\u7b49\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5728\u7f8e\u56fd\u4e00\u822c\u53ea\u6709\u975e\u5e38\u5371\u6025\u7684\u60c5\u51b5\u624d\u4f1a\u53bb\u6025\u8bca\u5ba4\uff08Emergency Room\uff09\uff0c \u53bbER\u7684\u8d39\u7528\u975e\u5e38\u9ad8\u3002\u800c\u4e14\u5982\u679c\u4e0d\u662f\u751f\u547d\u5371\u6025\u7684\u60c5\u51b5\uff0c\u7b49\u4e0a\u4e09\u56db\u4e2a\u5c0f\u65f6\u662f\u5e38\u4e8b\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c681212 elementor-widget elementor-widget-heading\" data-id=\"c681212\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">12. \u6025\u8bca\u5ba4 Emergency Room<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-559a945 elementor-widget elementor-widget-text-editor\" data-id=\"559a945\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u6025\u8bca\u5ba4\u662f\u7ed9\u9047\u5230\u751f\u547d\u5371\u9669\u7684\u60a3\u8005\u5f00\u8bbe\u7684\u3002\u5982\u679c\u540c\u5b66\u4eec\u9047\u5230\u4e86\u975e\u5e38\u5371\u6025\u7684\u60c5\u51b5\uff0c\u6bd4\u5982\u8f66\u7978\u7b49\uff0c\u8bf7\u7acb\u5373\u62e8\u6253911\u6216\u8005\u76f4\u5954ER\u3002\u4f46\u662f\u5047\u5982\u60c5\u51b5\u4e0d\u662f\u5f88\u4e25\u91cd\uff0c\u5c31\u4e0d\u8981\u8f7b\u6613\u53bb\u6025\u8bca\u5ba4\u3002\u5982\u975e\u751f\u547d\u5782\u5371\u7684\u60c5\u51b5\u4e00\u822c\u8981\u7b49\u5f85\u5f88\u4e45\uff0c\u800c\u4e14\u8d39\u7528\u975e\u5e38\u6602\u8d35\u3002\u5e73\u5e38\u7a81\u7136\u611f\u89c9\u4e0d\u8212\u670d\u7684\u8bdd\uff0c\u53ef\u4ee5\u53bbUrgent Care\/Walk in Clinic\u7b49\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac6a749 elementor-widget elementor-widget-heading\" data-id=\"ac6a749\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">13. \u4fdd\u9669\u798f\u5229\u8bf4\u660e EOB (Explanation of Benefits)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eed99ed elementor-widget elementor-widget-text-editor\" data-id=\"eed99ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u5f88\u591a\u540c\u5b66\u5728\u643a\u5e26\u4fdd\u9669\u5361\u53bb\u770b\u533b\u751f\u4e4b\u540e\uff0c\u90fd\u4f1a\u5728\u4fe1\u7bb1\u548c\u4fdd\u9669\u7f51\u7ad9\u4e0a\u6536\u5230\u8fd9\u4efdEOB\u3002\u8fd9\u4e0d\u662f\u7f34\u8d39\u5355\uff0c\u53ea\u662f\u4e00\u4e2a\u901a\u77e5\uff0c\u8ba9\u540c\u5b66\u4eec\u77e5\u9053\u4fdd\u9669\u516c\u53f8\u5e2e\u4f60\u8d54\u4ed8\u4e86\u591a\u5c11\u8d39\u7528\uff0c\u4ee5\u53ca\u81ea\u5df1\u9700\u8981\u652f\u4ed8\u7684\u5269\u4f59\u8d39\u7528\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d08fa6 elementor-widget elementor-widget-text-editor\" data-id=\"0d08fa6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u4e0b\u9762\u4e00\u5f20\u56fe\u6559\u4f60\u770b\u61c2\u201c\u590d\u6742\u201d\u7684EOB\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71e58bf elementor-widget elementor-widget-image\" data-id=\"71e58bf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"720\" height=\"599\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed1.jpg\" class=\"attachment-large size-large wp-image-8662\" alt=\"\u770b\u75c5\u672f\u8bed1\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed1.jpg 720w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed1-300x250.jpg 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-886a2e0 elementor-widget elementor-widget-image\" data-id=\"886a2e0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"720\" height=\"409\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed2.jpg\" class=\"attachment-large size-large wp-image-8663\" alt=\"\u770b\u75c5\u672f\u8bed2\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed2.jpg 720w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed2-300x170.jpg 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f91dbf3 elementor-widget elementor-widget-text-editor\" data-id=\"f91dbf3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>EOB\u8ba1\u7b97\u81ea\u4ed8\u989d\uff1a<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9656bee elementor-widget elementor-widget-image\" data-id=\"9656bee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"720\" height=\"443\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed3.jpg\" class=\"attachment-large size-large wp-image-8664\" alt=\"\u770b\u75c5\u672f\u8bed3\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed3.jpg 720w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed3-300x185.jpg 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a671276 elementor-widget elementor-widget-image\" data-id=\"a671276\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"287\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed4-1024x287.jpg\" class=\"attachment-large size-large wp-image-8665\" alt=\"\u770b\u75c5\u672f\u8bed4\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed4-1024x287.jpg 1024w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed4-300x84.jpg 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed4-768x216.jpg 768w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2021\/08\/\u770b\u75c5\u672f\u8bed4.jpg 1290w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6feb6a elementor-widget elementor-widget-text-editor\" data-id=\"e6feb6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u4ee5\u4e0a\u5c31\u662fSM\u5c0f\u52a9\u624b\u4e3a\u5927\u5bb6\u6574\u7406\u7684\u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u53ca\u533b\u7597\u4fdd\u9669\u5e38\u7528\u672f\u8bed\u5408\u96c6\uff0c\u795d\u613f\u6bcf\u4e00\u4f4d\u7559\u5b66\u751f\u90fd\u5065\u5065\u5eb7\u5eb7\u3002\u9047\u5230\u533b\u7597\u6216\u4fdd\u9669\u95ee\u9898\u4e0d\u8981\u614c\uff0cStudent medicover\u5c06\u5c3d\u529b\u4e3a\u7559\u5b66\u751f\u63d0\u4f9b\u652f\u63f4\u548c\u4f9d\u9760\u3002<\/p><p>\u6b22\u8fce\u5173\u6ce8\u6211\u4eec\uff0c\u4e86\u89e3\u66f4\u591a\u7559\u5b66\u751f\u533b\u7597\u53ca\u4fdd\u9669\u76f8\u5173\u8d44\u8baf\u3002<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5743490 elementor-widget elementor-widget-image\" data-id=\"5743490\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"358\" src=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2023\/12\/\u6d3b\u7801\u540d\u7247-\u533b\u7597\u4fdd\u9669\u672f\u8bed-1024x358.png\" class=\"attachment-large size-large wp-image-15056\" alt=\"\" srcset=\"https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2023\/12\/\u6d3b\u7801\u540d\u7247-\u533b\u7597\u4fdd\u9669\u672f\u8bed-1024x358.png 1024w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2023\/12\/\u6d3b\u7801\u540d\u7247-\u533b\u7597\u4fdd\u9669\u672f\u8bed-300x105.png 300w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2023\/12\/\u6d3b\u7801\u540d\u7247-\u533b\u7597\u4fdd\u9669\u672f\u8bed-768x269.png 768w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2023\/12\/\u6d3b\u7801\u540d\u7247-\u533b\u7597\u4fdd\u9669\u672f\u8bed-1536x538.png 1536w, https:\/\/smcovered.com\/cn\/wp-content\/uploads\/2023\/12\/\u6d3b\u7801\u540d\u7247-\u533b\u7597\u4fdd\u9669\u672f\u8bed.png 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>","protected":false},"excerpt":{"rendered":"<p>SM\u7559\u5b66\u5c0f\u8d34\u58eb | \u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u53ca\u533b\u7597\u4fdd\u9669\u5e38\u7528\u672f\u8bed\u5408\u96c6 \u5f88\u591a\u540c\u5b66\u5728\u7f8e\u56fd\u5c31\u533b\u65f6\uff0c\u4f1a\u5bf9\u533b\u7597\u8d26\u5355\u53ca\u4fdd\u9669\u7406\u8d54\u4e13\u7528\u82f1\u6587\u672f\u8bed\u611f\u5230\u56f0\u60d1\u3002\u5728\u6b64\uff0c\u6211\u4eec\u4e3a\u5927\u5bb6\u6574\u7406\u4e86\u5317\u7f8e\u5c31\u533b\u53ca\u4fdd\u9669\u7406\u8d54\u7684\u76f8\u5173\u8bcd\u6c47\uff0c\u4fbf\u4e8e\u540c\u5b66\u4eec\u66f4\u597d\u5730\u4e86\u89e3\u7f8e\u56fd\u533b\u7597\u884c\u4e1a\u548c\u4fdd\u9669\u76f8\u5173\u77e5\u8bc6\u3002 \u76ee\u5f55 1. \u4f18\u9009\u533b\u7597\u673a\u6784 Preferred Provider Organization\uff08PPO\uff09 \u4fdd\u9669\u516c\u53f8\u4f1a\u901a\u8fc7\u4e0e\u90e8\u5206\u533b\u751f\u548c\u533b\u7597\u673a\u6784\u8c08\u5224\u83b7\u5f97\u4f18\u60e0\u7684\u533b\u7597\u670d\u52a1\u4ef7\u683c\uff0c\u5e76\u63d0\u4f9b\u7ed9\u6295\u4fdd\u4eba\uff0c\u8fd9\u4e9b\u7b7e\u8ba2\u5408\u7ea6\u7684\u533b\u751f\u4e0e\u533b\u7597\u673a\u6784\u5408\u8d77\u6765\u5c31\u662fPPO\u8ba1\u5212\u7684\u7f51\u7edc\u5185\u673a\u6784\u3002\u5728PPO\u7c7b\u578b\u7684\u4fdd\u9669\u8ba1\u5212\u4e2d\uff0c\u6295\u4fdd\u4eba\u65e2\u53ef\u4ee5\u9009\u62e9\u5728\u8d54\u4ed8\u6bd4\u4f8b\u66f4\u9ad8\u7684\u7f51\u7edc\u5185\u5c31\u8bca\uff0c\u540c\u65f6\u4e5f\u53ef\u4ee5\u9009\u62e9\u5728\u7f51\u7edc\u5916\u5c31\u8bca\u3002\u5e76\u4e14\uff0cPPO\u7c7b\u578b\u7684\u4fdd\u9669\u8ba1\u5212\u4e0d\u7528\u770b\u6307\u5b9a\u533b\u751f\uff0c\u4e0d\u9700\u8981referral\uff0c\u81ea\u7531\u5ea6\u8f83\u9ad8\u3002 SM\u4fdd\u9669\u4f7f\u7528\u7684\u662f\u201cUnitedHealthcare choice plus PPO\u548cUnitedHealthcare options 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Provider\u662f\u6307\u548c\u4fdd\u9669\u516c\u53f8\u5408\u4f5c\u7684\u533b\u751f\u548c\u533b\u9662\u7b49\u673a\u6784\u3002\u5728\u770b\u533b\u751f\u524d\uff0c\u6700\u597d\u5148\u786e\u8ba4\u8fd9\u4e2a\u533b\u751f\u6216\u662f\u8bca\u6240\u662f\u4fdd\u9669\u516c\u53f8\u7f51\u7edc\u5185\u7684\u533b\u751f\uff0c\u8fd9\u6837\u4fdd\u9669\u516c\u53f8\u8d54\u4ed8\u7684\u6bd4\u4f8b\u4f1a\u662f\u6700\u597d\u7684\uff0c\u5927\u5bb6\u4e5f\u4e0d\u7528\u82b1\u90a3\u4e48\u591a\u8d39\u7528\u5728\u652f\u4ed8\u5e10\u5355\u4e0a\u9762\u3002 *\u5173\u4e8e\u67e5\u627eStudent Medicover\u7f51\u7edc\u5185\u533b\u751f\u53ca\u533b\u7597\u673a\u6784\uff0c\u8be6\u89c1\u6b64\u7bc7\uff1a \u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u6307\u5357\u2014\u2014\u4e94\u5927\u533b\u7597\u670d\u52a1\u9009\u62e9\u53ca\u5c31\u8bca\u624b\u7eed\u5168\u6574\u7406|SM\u7559\u5b66\u5c0f\u8d34\u58eb 3. \u81ea\u4ed8\u989d Deductible \u81ea\u4ed8\u989d\u662f\u6307\u5728\u4fdd\u9669\u516c\u53f8\u5f00\u59cb\u8d54\u4ed8\u524d\uff0c\u6295\u4fdd\u4eba\u81ea\u5df1\u8981\u5148\u4ed8\u7684\u91d1\u989d\u3002\u81ea\u4ed8\u989d\u4e00\u822c\u662f\u6309\u7167\u6bcf\u5e74(Policy Year) \u7d2f\u8ba1\u8ba1\u7b97\u7684\uff0c\u4e5f\u5c31\u662f\u8bf4\u4e00\u5e74\u5185\u7ed9\u591f\u8fd9\u7b14\u94b1\u5c31\u4e0d\u7528\u518d\u652f\u4ed8\u81ea\u4ed8\u989d\u4e86\u3002 4. \u8d54\u4ed8\u6bd4\u4f8b Co-insurance \u6307\u4fdd\u9669\u516c\u53f8\u7ed9\u533b\u7597\u8d39\u8d54\u4ed8\u7684\u767e\u5206\u6bd4\u3002\u4f8b\u5982SM Elite\u8ba1\u5212\u7f51\u7edc\u5185\u7684Coinsurance\u662f90%\uff0c \u5373\u4ed8\u5b8c\u81ea\u4ed8\u989d\u540e\uff0c\u4f60\u53ea\u9700\u8981\u652f\u4ed8\u7f51\u7edc\u5185\u673a\u6784\u533b\u7597\u8d26\u5355\u768410%\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u652f\u4ed8\u8d26\u5355\u768490%\u3002 *PPO\u533b\u7597\u7f51\u7edc\u7684\u91ca\u4e49\u8be6\u89c1SM\u5c0f\u52a9\u624b\u6574\u7406\u7684\u7f8e\u56fd\u7559\u5b66\u751f\u533b\u7597\u4fdd\u9669\u672f\u8bed\u5408\u96c6\u3002 Student Medicover\uff1a\u7f8e\u56fd\u7559\u5b66\u751f\u770b\u75c5\u53ca\u533b\u7597\u4fdd\u9669\u5e38\u7528\u672f\u8bed\u5408\u96c6|SM\u7559\u5b66\u5c0f\u8d34\u58eb 5. \u5171\u4ed8\u989d Co-pay \u7c7b\u4f3c\u4e8e\u56fd\u5185\u7684\u6302\u53f7\u8d39\uff0c\u6307\u9488\u5bf9\u67d0\u4e9b\u7279\u5b9a\u9879\u76ee\uff08\u533b\u751f\u95ee\u8bca\u3001\u5904\u65b9\u836f\u7b49\uff09\uff0c\u6bcf\u6b21\u770b\u75c5\u65f6\u81ea\u5df1\u9700\u8981\u652f\u4ed8\u7684\u4e00\u5b9a\u91d1\u989d\u3002\u6bd4\u65b9\u8bf4\u533b\u751f\u95ee\u8bca\uff0c\u901a\u5e38\u770b\u4e00\u6b21\u8981\u7f34$20-$40\u7684\u5171\u4ed8\u989d\u3002 *Co-pay\u662f\u4e0d\u8ba1\u7b97\u5728Deductible\u4e2d\u7684\u5594\u3002 6. \u6700\u9ad8\u4fdd\u989d Overall Plan Maximum 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