During the 新型冠状病毒肺炎 pandemic, remote consultations are available.
The Washington Hospital Health Insurance Information Service is a free
and confidential service that can provide you with all the information
you need to make an informed decision about your health insurance. 你
may reach this service by calling
800.770.9447 从早上8点开始.m. 到5点.m.星期一至星期五. 你可能有
your questions answered over the phone or set up an appointment for a
个人咨询. For a current list of health plans accepted by
Washington Hospital Health护理 System, click
在这里.
See Washington Hospital’s Health Insurance Information Service featured
on Bay Area Healthier Together, a partnership between Washington Hospital
和ABC7. Click below to watch the 30-second video.
To view the full 5-minute video about Health Insurance Information Service,
点击这里.
The Washington Hospital Health Insurance Information Service will help you:
Understand the difference in the choices you have for open enrollment from
你的雇主
Understand health insurance policies and terminology
Determine what to look for in a plan
Maximize your benefits when both you and your spouse are enrolled in separate plans
Find any available insurance programs which cover specialized needs
Explore health insurance options
Use a resource list of licensed brokers to find a policy that best meets
你的需求
Access government-sponsored programs
Determine which plans allow you to use Washington Hospital and its facilities
生活方式问题
T在这里 are certain lifestyle issues that might affect your choice of health
保险计划，例如：
你最近结婚了吗？?
Does your spouse have health insurance benefits through his or her employer?
Are you expecting any major life changes in the next year? 例如,
moving to a new area, retirement, job change or relocation, divorce, child
attending college, birth or adoption of a child, or a dependent grandchild.
Have you been declined coverage for insurance before?
Are you currently taking any medications to control a medical condition?
Do you have any chronic conditions such as asthma or diabetes?
Are you eligible for Medi护理 benefits?
Are your children uninsured due to parents' employment issues and changes?
Are the services you need covered?
The following services are not always covered by insurance plans or may
有一些年度限制：
紧急服务
精神健康服务
实验室测试
Medical equipment/prosthetics
光学/视力保健
妊娠和儿科护理
Preventive services/annual examinations
家庭保健
处方药
保险计划的种类
Preferred Provider Organizations (PPO)
你 choose providers in the insurer's network to receive maximum benefits.
你 may see a provider outside the network, but you pay a higher share
成本的多少. 你 may be expected to make payment at the time of service
for applicable co-insurance and deductible amounts.
Health Maintenance Organizations (HMO)
你 choose a primary 护理 physician or medical group to manage your health
护理. 你 must obtain a referral to access specialists. 预防保健
是强调. No benefits are provided if you receive 护理 from providers
不包括在网络中.
政府资助计划
覆盖加州 is an easy-to-use marketplace implementing the federal Patient Protection
and Affordable Care Act in California.
Medi-Cal is a medical assistance program for individuals in the State of
California who are medically indigent and meet certain criteria. 它是
financed by state and National funding.
医疗保险是美国.S. Government's health insurance program for senior's
age 65 and older and individuals with qualified disabilities.
