{"id":139,"date":"2021-07-21T04:20:39","date_gmt":"2021-07-21T04:20:39","guid":{"rendered":"https:\/\/tintucusa.com\/?p=139"},"modified":"2021-07-21T04:20:40","modified_gmt":"2021-07-21T04:20:40","slug":"mot-so-bao-hiem-pho-bien-o-my","status":"publish","type":"post","link":"https:\/\/tintucusa.com\/index.php\/2021\/07\/21\/mot-so-bao-hiem-pho-bien-o-my\/","title":{"rendered":"M\u1ed9t s\u1ed1 b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn \u1edf M\u1ef9"},"content":{"rendered":"\n

M\u1ed9t trong nh\u1eefng c\u00e1ch th\u00f4ng minh nh\u1ea5t \u0111\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc nh\u1eefng \u0111i\u1ec1u b\u1ea5t ng\u1edd c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec3 tr\u00f4ng c\u1eady. Do \u0111\u00f3, h\u1ea7u h\u1ebft ng\u01b0\u1eddi M\u1ef9 mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u00e0 an t\u00e2m h\u01a1n. V\u1eady c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u1edf M\u1ef9<\/a> l\u00e0 g\u00ec?<\/strong><\/em><\/p>\n\n\n\n

Trong s\u1ed1 r\u1ea5t nhi\u1ec1u lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m kh\u00e1c nhau \u1edf M\u1ef9, c\u00e1c lo\u1ea1i th\u00f4ng d\u1ee5ng nh\u1ea5t li\u00ean quan \u0111\u1ebfn m\u1ea1ng s\u1ed1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a con ng\u01b0\u1eddi. ImmiCa s\u1ebd t\u1ed5ng h\u1ee3p d\u01b0\u1edbi \u0111\u00e2y m\u1ed9t v\u00e0i lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m ti\u00eau bi\u1ec3u m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 xem x\u00e9t v\u00e0 \u0111\u01b0a ra nh\u1eefng l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p n\u1ebfu b\u1ea1n d\u1ef1 \u0111\u1ecbnh \u0111\u1ecbnh c\u01b0 \u1edf M\u1ef9<\/a> l\u00e2u d\u00e0i.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

B\u1ea3o hi\u1ec3m y t\u1ebf:<\/strong> B\u1ea3o hi\u1ec3m cho b\u1ea1n khi g\u1eb7p c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 li\u00ean quan \u0111\u1ebfn s\u1ee9c kh\u1ecfe.<\/p>\n\n\n\n

Kh\u00f4ng c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf qu\u1ed1c gia b\u1eaft bu\u1ed9c n\u00e0o t\u1ea1i M\u1ef9. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh mua b\u1ea3o hi\u1ec3m t\u1eeb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c th\u00f4ng qua ng\u01b0\u1eddi ch\u1ee7 lao \u0111\u1ed9ng. Nh\u1eefng ng\u01b0\u1eddi gi\u00e0, ng\u01b0\u1eddi t\u00e0n t\u1eadt v\u00e0 gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp th\u1ea5p (bao g\u1ed3m nhi\u1ec1u gia \u0111\u00ecnh m\u1edbi nh\u1eadp c\u01b0) c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m th\u00f4ng qua c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 c\u1ea5p kinh ph\u00ed l\u00e0 Medicaid v\u00e0 Medicare.<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m m\u1ea5t s\u1ee9c:<\/strong> Chi tr\u1ea3 cho m\u1ed9t ph\u1ea7n thu nh\u1eadp c\u1ee7a b\u1ea1n khi b\u1ea1n kh\u00f4ng th\u1ec3 l\u00e0m vi\u1ec7c do \u1ed1m \u0111au hay ch\u1ea5n th\u01b0\u01a1ng.<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd:<\/strong> b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh b\u1ea1n kh\u1ecfi c\u00e1c kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh sau khi b\u1ea1n qua \u0111\u1eddi.
M\u1eb7c d\u00f9 c\u00f3 r\u1ea5t nhi\u1ec1u lo\u1ea1i, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00e0o c\u0169ng s\u1ebd xem x\u00e9t c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau khi quy\u1ebft \u0111\u1ecbnh ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n:<\/p>\n\n\n\n

\u2022 Tu\u1ed5i t\u00e1c
\u2022 T\u00ecnh h\u00ecnh s\u1ee9c kh\u1ecfe chung
\u2022 Li\u1ec7u b\u1ea1n c\u00f3 m\u1eafc c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh kh\u00f4ng
\u2022 Ti\u1ec1n s\u1eed b\u1ec7nh t\u1eadt c\u1ee7a b\u1ea1n (b\u1ec7nh t\u1eadt v\u00e0 ph\u1eabu thu\u1eadt)
\u2022 Li\u1ec7u b\u1ea1n c\u00f3 c\u00e1c th\u00f3i quen c\u00f3 h\u1ea1i hay kh\u00f4ng
\u2022 Ti\u1ec1n s\u1eed b\u1ec7nh t\u1eadt c\u1ee7a nh\u1eefng ng\u01b0\u1eddi th\u00e2n c\u1ee7a b\u1ea1n<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m kinh doanh: <\/strong>Gi\u00fap b\u1ea1n tho\u00e1t kh\u1ecfi g\u00e1nh n\u1eb7ng c\u1ee7a c\u00e1c r\u1ee7i ro v\u00e0 m\u1ea5t m\u00e1t c\u00f3 th\u1ec3 x\u1ea3y \u0111\u1ebfn li\u00ean quan t\u1edbi:
\u2022 Vi\u1ec7c kh\u00e1ch h\u00e0ng ho\u1eb7c \u0111\u1ed1i t\u00e1c kinh doanh kh\u00f4ng ch\u1ecbu thanh to\u00e1n
\u2022 \u0110\u1ea7u t\u01b0 x\u1ea5u
\u2022 Nh\u1eefng t\u00ecnh hu\u1ed1ng v\u00e0 hi\u1ec3m h\u1ecda kh\u00f4ng th\u1ec3 d\u1ef1 \u0111o\u00e1n (h\u1ecfa ho\u1ea1n, chi\u1ebfn tranh, b\u00e3o l\u1ee5t,\u2026)<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1:<\/strong> Cho ph\u00e9p b\u1ea3o hi\u1ec3m b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb ng\u01b0\u1eddi kh\u00e1c \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng th\u01b0\u01a1ng t\u1eadt n\u1ebfu ng\u01b0\u1eddi \u0111\u00f3 b\u1ecb tai n\u1ea1n li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m cho ch\u1ee7 s\u1edf h\u1eefu nh\u00e0:<\/strong> S\u1ebd b\u1ed3i th\u01b0\u1eddng cho b\u1ea1n chi ph\u00ed x\u00e2y d\u1ef1ng l\u1ea1i hay thay th\u1ebf nh\u00e0 c\u0169 n\u1ebfu nh\u00e0 b\u1ea1n b\u1ecb ph\u00e1 h\u1ee7y ho\u1eb7c b\u1ecb h\u01b0 h\u1ea1i. B\u1ea3o hi\u1ec3m n\u00e0y \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u n\u1ebfu b\u1ea1n \u0111ang vay c\u1ea7m c\u1ed1. M\u1eb7c d\u00f9 c\u00f3 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn nh\u00e0 \u1edf, kh\u00f4ng c\u00f3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o bao qu\u00e1t m\u1ecdi th\u1ee9. Do v\u1eady b\u1ea1n n\u00ean b\u1ea3o hi\u1ec3m cho ng\u00f4i nh\u00e0 m\u00ecnh ch\u1ed1ng l\u1ea1i c\u00e1c tai h\u1ecda c\u00f3 kh\u1ea3 n\u0103ng \u1ea3nh h\u01b0\u1edfng nh\u1ea5t t\u1edbi khu v\u1ef1c s\u1ed1ng v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n (l\u0169 l\u1ee5t, l\u1ed1c xo\u00e1y, gi\u00f3 m\u1ea1nh,\u2026)<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n c\u00e1c nh\u00e2n:<\/strong> S\u1ebd b\u1ed3i th\u01b0\u1eddng c\u00e1c m\u1ea5t m\u00e1t n\u1ebfu t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn c\u1ee7a b\u1ea1n b\u1ecb h\u01b0 h\u1ea1i hay m\u1ea5t c\u1eafp.
B\u1ea3o hi\u1ec3m n\u00e0y bao g\u1ed3m c\u00e1c v\u1eadt nh\u01b0 \u0111\u1ed3 c\u1ed5, th\u1ea3m, t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn, t\u00e1c ph\u1ea9m ngh\u1ec7 thu\u1eadt v\u00e0 \u0111\u1ed3 \u0111i\u1ec7n t\u1eed \u0111\u1eaft ti\u1ec1n. \u0110\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m n\u00e0y, b\u1ea1n s\u1ebd ph\u1ea3i l\u1eadp danh s\u00e1ch t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn c\u1ee7a m\u00ecnh v\u00e0 gi\u00e1 tr\u1ecb \u01b0\u1edbc ch\u1eebng c\u1ee7a ch\u00fang.<\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m \u00f4 t\u00f4:<\/strong> L\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u1edf M\u1ef9. M\u1ed7i bang c\u00f3 lu\u1eadt ph\u00e1p ri\u00eang quy \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u v\u00e0 ai ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 t\u00e0i ch\u00ednh trong m\u1ed9t v\u1ee5 tai n\u1ea1n \u00f4 t\u00f4.<\/p>\n\n\n\n

M\u1ed7i bang \u1edf M\u1ef9 \u0111\u1ec1u c\u00f3 r\u1ea5t nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m. M\u1ed9t s\u1ed1 c\u00f4ng ty chuy\u00ean v\u1ec1 m\u1ed9t l\u0129nh v\u1ef1c c\u1ee5 th\u1ec3, trong khi m\u1ed9t s\u1ed1 c\u00f4ng ty kh\u00e1c cung c\u1ea5p nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau. Do \u0111\u00f3, b\u1ea1n lu\u00f4n c\u00f3 th\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c n\u01a1i \u0111em l\u1ea1i cho b\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m \u1ed5n th\u1ecfa v\u00e0 gi\u00e1 c\u1ea3 h\u1ee3p l\u00fd nh\u1ea5t.<\/p>\n","protected":false},"excerpt":{"rendered":"

M\u1ed9t trong nh\u1eefng c\u00e1ch th\u00f4ng minh nh\u1ea5t \u0111\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc nh\u1eefng \u0111i\u1ec1u b\u1ea5t ng\u1edd c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec3 tr\u00f4ng c\u1eady. Do \u0111\u00f3, h\u1ea7u h\u1ebft ng\u01b0\u1eddi M\u1ef9 mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u00e0 an t\u00e2m h\u01a1n. V\u1eady c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u1edf M\u1ef9 l\u00e0 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"_links":{"self":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/139"}],"collection":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/comments?post=139"}],"version-history":[{"count":0,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/posts\/139\/revisions"}],"wp:attachment":[{"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/media?parent=139"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/categories?post=139"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tintucusa.com\/index.php\/wp-json\/wp\/v2\/tags?post=139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}