HSA 是 Ahealth savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP).
First about burn. If minor born such as 1st or second degree (1st degree painful redness, 2nd degree bilsters, 3rd degree scar) and small area 1-2% body surface area (wound are is calculated as 9% rule (head 9%, each arm 9%, each leg 18%, front torso 18% and back 18%, perineum 1%) you can treat at home. First cover the wound with ice or ice water for 30-60 minutes. It can reduce pain and inflammation. Then, apply tripple antibiotic cream 2 times per day. Ideally use silver antimicrobial wound gel. These can buy at local pharmacy. Small blisters will be gone spontaneously in 1 week. Big bliser can be drained using sterile technique or in your Primary care doctor's office. Large or 3rd degree burn or burn on face should treated by Doctor.
Second, about acute illness. If not big trauma or something like stroke or heart attack you can see your PCP or go to urgent care. The cost will be much less than ED.
Third, about your bill. You can try to negotiate with the hospital either on your own or with your insurance. It is very likely you can get some discount. I had a co-worker few years ago. She did not buy insurance for her son. The boy was a teenage. Had acute gastroenteritis and dehydrated. He was seen by urgent care first. Due to persistent tachycardia after IV hydration he was sent to a big medical center ED. stayed over night. The total bill (doctor fee, medication and ED room, etc) close to $22000. She was shocked and panic. We talked about it and thought what to do with the bill. She used all the means we could think to negotiate with the hospital. It took over a month. Finally the hospital agreed to let her pay 10% ($2200) by monthly payment $20.
的给的statement是不报的，但自付总额会表明用了这么多。和没有保险可以讨价还价的不一样
我儿子回国，旅游的比较累，脸上长了个水泡，不知道是怎么回事。医生检查了好半天，又验血又做什么检查，后来说可能是感染什么病毒，挂了一天盐水，吃了什么药，第三天就好了。才花了两百多人民币。
有次他偷了钱被追赶，不巧撞上了买油条的端着的油锅。滚烫的油浇在他背上，痛得他在地上打滚。买油条的一看是他，马上抓巴盐摸到他背上。小时候大人给讲这事是让小孩子们知道干坏事后果很可怕，据说在烫伤上撒盐会痛得人要死。
先把保险卡给医院。医院给保险公司发账单。保险公司给医院付费。但是，因为你有deductable，所以保险公司其实没有付钱，而是给你寄一张回复解释不付原因以及你自负的钱数。再等一等，你将会受到一份医院来的新账单，数额与保险公司的相同。价格一般将会是原来的1／5 到1／10。
就家里自己治疗，只要有冰水冰块+药没几天就好了
做梦等医院给你减到原价的1/5，1/10。记得到时来反馈，就算减100刀也算你赢。
另外告诉你，正好我现在有空，LZ这种情况，你的账单保险公司是不管的，是医院给你账单，钱要付给医院的。
这世界上自以为是的人真不少，口气还不小。哈，等你减了来告诉我们，让我们高兴高兴，原来有保险可以和医院这样还价哦。
要买很好的保险，要不就要自己能正确判断，能应急处理。
我也有收过账单，事后挺懊悔自己的无知的。
不过有次碰到一个很好的Urgent Care 医生。她真是用她的判断帮我省了很多钱。要不然也会有几千块的账单了。
坐等反馈，看看有的人最后能不能托住。
HSA和deduction没关系，只是Health Saving Account而已，每年最多放进6500刀（家庭），是为选择High Deductible 保险而设 的减税计划。High deductible的医保也分好多档次，看你月付多少。对于一般公司来说，实际上两者相差不大， low deductible计划月付要高出很多，付完deductible也还是要交20%自付，HD计划一般公司会给HSA一些钱。基本上一年医疗费在3000刀以下，HD总的要少付些；5000以下，两者没多大区别；5000刀以上，LD计划要少付一些。对于高福利公司或政府机构，或许什么都不用付，只管选最好的plan。另一计划叫FSA，也是医疗减税计划，但放进去的钱，当年没用完就废掉了。HSA可以roll over，但只能用于医疗费和处方药，不然还是要补税的。HSA和FSA都不是医疗保险。
收费便宜。带小孩去处理过伤口，只收了一百多。去急诊的话，至少上千。
热油顺着锅边一大团溅到胳膊上，当时用自来水冲了冲，又抹了些国内带来的烫伤膏，还是起来很大的水泡，连成一片。硬挨到周一，去校医院。说是二级烫伤，人家直接给戳破了，把那层皮揭掉，用某种红色液态擦了几遍，然后抹上消炎膏，纱布一包就处理完了。所有用品给了我一大包，让自己一天两次换纱布，照样洗澡等等。我还说，这酒精居然不痛。后来担心又跑去问，人家说那不是酒精，就是洗手液。然后告诉我，可以洗澡，可以去游泳池，可以去海里，不能去河里湖里！没有感染，不过我应该是疤痕体质，所以还是留了疤。
2017 年，不小心从二楼滑下来，，去了ER，拍了片，做了MRI，CT等等。住了一晚，第二天出院。就付了$150 ER co pay, 保险公司将其余的全付了。做MRI，因为小腿一下肿的厉害。
HSA 是 Ahealth savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP).
First about burn. If minor born such as 1st or second degree (1st degree painful redness, 2nd degree bilsters, 3rd degree scar) and small area 1-2% body surface area (wound are is calculated as 9% rule (head 9%, each arm 9%, each leg 18%, front torso 18% and back 18%, perineum 1%) you can treat at home. First cover the wound with ice or ice water for 30-60 minutes. It can reduce pain and inflammation. Then, apply tripple antibiotic cream 2 times per day. Ideally use silver antimicrobial wound gel. These can buy at local pharmacy. Small blisters will be gone spontaneously in 1 week. Big bliser can be drained using sterile technique or in your Primary care doctor's office. Large or 3rd degree burn or burn on face should treated by Doctor.
Second, about acute illness. If not big trauma or something like stroke or heart attack you can see your PCP or go to urgent care. The cost will be much less than ED.
Third, about your bill. You can try to negotiate with the hospital either on your own or with your insurance. It is very likely you can get some discount. I had a co-worker few years ago. She did not buy insurance for her son. The boy was a teenage. Had acute gastroenteritis and dehydrated. He was seen by urgent care first. Due to persistent tachycardia after IV hydration he was sent to a big medical center ED. stayed over night. The total bill (doctor fee, medication and ED room, etc) close to $22000. She was shocked and panic. We talked about it and thought what to do with the bill. She used all the means we could think to negotiate with the hospital. It took over a month. Finally the hospital agreed to let her pay 10% ($2200) by monthly payment $20.
There are some patient assistance programs, but they are income related.
https://www.zhihu.com/question/31401732
如果给孩子补充维生素还是多吃水果蔬菜吧，烫伤最好用的是獾油，或者京万红，快速涂抹到患处，
回国药店里都有，买了备上。像獾油、云南白药、痔疮膏中国这些东西还是很好用的，我家里必备。
这种account里的钱专门用来付deductibles 的。
买 high deductible的医保就是赌博，运气好就省了保费，运气不好赌输了也只能认赌服输。要么继续赌（运气不会总是很差吧？），要么为了图个安心改做买保费高但deductible低些的。哎，有什么办法呢，普通老百姓在美国生活就要面对这里医疗系统的狰狞面目啊
去年底我做胃镜收到账单要我自费$365，在这前（来美后）曾经做过两次胃镜，还有其他检查，从来没有付过一分钱，现在单位的保险也很不错。打电话给医院，医院推给保险，打保险，保险推给医院，推来推去。最后，due date 到了，自己只好乖乖地付了。美国医疗费用就是一座大山 ， ， ，
65岁以上药费也全包。
收到医院寄来的详细账单，看了一下Pharmacy部分$530, 不敢相信，总共上了3次药，包扎材料另算$202! 从出院包里翻出一盒未开封的药（1% Silver Sulfadiazine Cream）。 打电话去医院要求退货，也同时表示质疑pharmcay的用量合理性，要求review所有医药账单。不知有没有结果，等待中。哎，语言没到融会贯通，出神入化的地步，只能客客气气要求review，希望支付合理的账单。
也打电话给保险公司了，答复是out-of packet已经给了9折，其他爱莫能助。在网上找了一个medical bill Advocate，初次会话也是等待结果，估计是她要看看值不值得去做，她主要是做老年人长期护理账单。
收到医院寄来的详细账单，看了一下Pharmacy部分$530, 不敢相信，总共上了3次药，包扎材料另算$202! 从出院包里翻出一盒未开封的药（1% Silver Sulfadiazine Cream）。 打电话去医院要求退货，也同时表示质疑pharmcay的用量合理性，要求review所有医药账单。不知有没有结果，等待中。哎，语言没到融会贯通，出神入化的地步，只能客客气气要求review，希望支付合理的账单。
也打电话给保险公司了，答复是out-of packet已经给了9折，其他爱莫能助。在网上找了一个medical bill Advocate，初次会话也是等待结果，估计是她要看看值不值得去做，她主要是做老年人长期护理账单。
收到医院寄来的详细账单，看了一下Pharmacy部分$530, 不敢相信，总共上了3次药，包扎材料另算$202! 从出院包里翻出一盒未开封的药（1% Silver Sulfadiazine Cream）。 打电话去医院要求退货，也同时表示质疑pharmcay的用量合理性，要求review所有医药账单。不知有没有结果，等待中。哎，语言没到融会贯通，出神入化的地步，只能客客气气要求review，希望支付合理的账单。
也打电话给保险公司了，答复是out-of packet已经给了9折，其他爱莫能助。在网上找了一个medical bill Advocate，初次会话也是等待结果，估计是她要看看值不值得去做，她主要是做老年人长期护理账单。