I have lived in U.S.A. for more than 20 years. We as a couple consider middle income earner. I am paying about US$160.00 per month on our insurance coverages. Yearly co-pays limited to US$2,500.00, meaning if me and my wife's doctor's visitations plus medication refills from pharmacy exceeded $2,500.00 per year (eg. January to December, 2024 calculations), instead of insurance covers, we are taking from our pockets for example my medication, $25.00 every month I have to pay on my own. Once our $2,500.00 limit used up, in my case in November, 2024, the same medication I paid more than US$72.00. This month December, 2024 just increased to US$108.00 even though I have an insurance coverage. If no insurance, meaning I pay my own doctor visitations plus getting medications from pharmacy, this medication I have to pay US$280.00!
挺蔡博士的說明。。。。。不但，美國保險公司不會理賠，甚至，在找專科醫生時，都要嚴加審核。。。。專科醫生也不見得會接收病患的診療。。。。。
I have lived in U.S.A. for more than 20 years. We as a couple consider middle income earner. I am paying about US$160.00 per month on our insurance coverages. Yearly co-pays limited to US$2,500.00, meaning if me and my wife's doctor's visitations plus medication refills from pharmacy exceeded $2,500.00 per year (eg. January to December, 2024 calculations), instead of insurance covers, we are taking from our pockets for example my medication, $25.00 every month I have to pay on my own. Once our $2,500.00 limit used up, in my case in November, 2024, the same medication I paid more than US$72.00. This month December, 2024 just increased to US$108.00 even though I have an insurance coverage. If no insurance, meaning I pay my own doctor visitations plus getting medications from pharmacy, this medication I have to pay US$280.00!
谢谢中天🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉❤❤❤❤❤❤