No Surprises Act Certain changes to the Medical Program are required by a federal statute, the No Surprises Act, which Congress passed as part of the Consolidated Appropriations Act, 2021. All of the No Surprises Act changes were effective for the Medical Program as of January 1, 2022. The No Surprises Act includes rules to protect you from surprise balance billing (balance bills are what non-network providers or facilities can charge you even after you pay your deductible, copayment or coinsurance—also known as your “cost-sharing” amounts). Under these new rules, non-network providers can no longer send you these surprise balance bills in the following situations: > Emergency services (not including ground ambulance services) from a non-network provider, facility, or air ambulance. This includes services you receive after you are in stable condition.
从我在楼下提供的表格, HSA3000, 来看:
(夫妻) 最小花销和最大花销分别为 $7848/年 和$16248/年。
最坏的情况是夫妻一起得了大病, 那样最大花销也只是$16,248/年 (包括保险费)。
另外, 如果是单身的话, 费用减半。
有许多开销不在医保里，自然也不在Out of Max 里。不能误导哈
还没有。
我知道 "nursing home" 费用 是不算 "out of pocket max" 的。
但不知道救护车费用不算。 看来还要研究一下。
No Surprises Act
Certain changes to the Medical Program are required by
a federal statute, the No Surprises Act, which Congress
passed as part of the Consolidated Appropriations Act,
2021. All of the No Surprises Act changes were effective
for the Medical Program as of January 1, 2022.
The No Surprises Act includes rules to protect you
from surprise balance billing (balance bills are what
non-network providers or facilities can charge you
even after you pay your deductible, copayment or
coinsurance—also known as your “cost-sharing”
amounts). Under these new rules, non-network providers
can no longer send you these surprise balance bills in the
following situations:
> Emergency services (not including ground ambulance
services) from a non-network provider, facility, or air
ambulance. This includes services you receive after
you are in stable condition.
我只用保险公司提供的服务。