美國看牙醫經驗分享 - 留學
By Erin
at 2020-11-26T14:17
at 2020-11-26T14:17
Table of Contents
這是一篇分享隊友在美國看牙醫的經驗分享文章,也是一篇勸世文。
相信大家早有耳聞,美國醫療費貴的嚇人,牙醫費用也不遑多讓,
所以奉勸各位即將來美國的留學生,先在台灣好好檢查牙齒並洗個牙,
要不然在美國看牙醫真的超級無敵燒錢!
網誌版:https://reurl.cc/avjKEY
一、美國看牙醫相關保險
所有來美國留學的留學生都會被學校強制保學生保險,可惜不像台灣健保一樣,
一般的醫療保險大多並不包含看牙齒的部分,如果想要有牙醫保險,必須另外購買。
政府提供的一些醫療保險有些會包含牙齒保險,有興趣的人可以上官網研究 →
https://www.healthcare.gov/coverage/dental-coverage/,
或者是可以在美國最大的網上健康保險平台 eHealthInsurance.com 上查詢
我和隊友的保險都沒有包含牙醫保險,我每次回台灣都會洗牙,
而我那位自以為自己牙齒很健康的隊友則是一點都不想踏進牙醫診所,
所以只能在這次牙痛時懊悔不已。
在美國,牙齒保險並不是買了以後就可以馬上使用,
許多保險公司都會有一個等待期(waiting period),
有些四個月,有些則是一年,所以如果等到牙痛了再買,就真的來不及了。
偏偏這個疫情的節骨眼,
我們也不能立刻回台灣救治隊友的牙齒(機票不好買+得隔離兩周),
還好,還有個Dental Plan可以買。
二、 牙科折扣計畫 Dental Plan
當時隊友自費去看牙醫時,因為牙齒必須進行根管治療,
牙醫診所開出來的費用為兩千美金,我和隊友都傻眼了,
一顆牙齒要兩千美金,這是我們家快半年的菜錢耶!
當下很想掐著隊友罵他為什麼在台灣時不好好的洗牙,但現在就算懊悔也沒用了。
還好,牙醫診所告訴我們可以上網找有和牙醫診所合作的Dental Plan,
於是,為了菜錢,隊友開始上網搜尋Dental Plan。
Dental Plan 搜尋網址→ http://dentalplans.com/
這一搜尋,還可真是挖到寶了!
進入這個網站,需要先輸入自己的相關資料,像是居住區域以及所需要的牙醫服務。
輸入了相關資料後,跳出了一系列適用的Dental Plan,
其中一個Dental Plan可以讓治療牙齒的折扣到百分之五十,
這其實和買保險所折扣的費用是一樣的。
不同的是,Dental Plan可以現買現用,沒有牙醫保險那樣長時間的等待期。
有個朋友和我們分享,他買了牙醫保險,
當時做了兩顆牙齒的根管治療,自費價五千,保險幫忙付了一半,
到最後他自己付兩千五。
聽了朋友的故事,我們立刻放棄牙醫保險並下手了Dental Plan,
原本想要申請分期付款(是的,牙科也可以分期付款,和醫院一樣,有些甚至可以殺價),
但是因為我們沒申請過信用卡,名下沒有任何信用分數,所以無法申請分期付款。
原本兩千多的根管治療費用,因為買了Dental Plan的關係,
到最後我們只付了一千兩百元。
雖然還是很貴,但至少省了將近一半的費用。
三、小結語
我們比較了牙醫保險和牙科折扣計畫,
覺得後者比較適合我們,需要繳交的費用也比較便宜。
當然,每個人的看牙需求都不一樣,
還是需要自行比較過後才知道哪一個比較適合自己。
至於隊友因為吃了牙醫開的抗生素而送急診,這又是另外一個故事了,下次再說吧!
總之,大家好好保護自己的牙齒才是最重要的!
我覺得不錯的介紹美國牙醫保險文章,可以參考看看:
美國牙科保險全攻略https://www.worldjournal.com/wj/story/121726/4957249
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