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@San Francisco

现在工作的公司福利待遇比较少，药费只报50%，不包括牙医。前几天公司推出了一个健康保险计划，不知道是否应该参加，请各位帮忙拿个注意

tjren(狗不理)
本文发表在 rolia.net 枫下论坛条例英文原文如下：

DRUG PLAN
Implementation 12-month maximum of $10,000 from calendar year to date of 1st. paid claim. A co-payment of $4.00 applies to each prescription.

HEALTH SERVICES
Overall health deductible is $25.00 Single or $50.00 Family per calendar year.

EXTENDED HEALTH
Paramedical maximum ($500) from calendar year to date of 1st. paid claim. Includes: $500 max. for Psychotherapy, Foot Therapy, Chiropractor, Massage Therapy, Speech Therapy.

HOSPITAL ACCOMMODATION
Semi-Private Room in a public general hospital up to a maximum of 15 days per calendar year.

DENTAL
Dental benefits maximum $1500.00 annually based on the date of the first paid claim. Your coinsurance is 100% for basic and 100% for Comprehensive services. Cleaning coverage every (9) month plus (12) units of scaling.

VISION
Your vision benefits carriers a maximum of $150.00 every 24 months for prescription or contact lenses provided they are dispensed by an Optometrist or Ophthalmologist. Vision benefits do not include eye examinations.

Weekly deduction for Health benefits
Single Coverage $8.88/ per week
Family Coverage $24.81/ per week

大家觉得这个计划合算吗？另外，健康保险的费用应该也是可以减税的吧？更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#397409@0)
Last Updated: 2002-3-10
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Replies, comments and Discussions:

  • 枫下家园 / 医药保健 / 现在工作的公司福利待遇比较少，药费只报50%，不包括牙医。前几天公司推出了一个健康保险计划，不知道是否应该参加，请各位帮忙拿个注意 -tjren(狗不理); 2002-3-10 {1222} (#397409@0)
    本文发表在 rolia.net 枫下论坛条例英文原文如下：

    DRUG PLAN
    Implementation 12-month maximum of $10,000 from calendar year to date of 1st. paid claim. A co-payment of $4.00 applies to each prescription.

    HEALTH SERVICES
    Overall health deductible is $25.00 Single or $50.00 Family per calendar year.

    EXTENDED HEALTH
    Paramedical maximum ($500) from calendar year to date of 1st. paid claim. Includes: $500 max. for Psychotherapy, Foot Therapy, Chiropractor, Massage Therapy, Speech Therapy.

    HOSPITAL ACCOMMODATION
    Semi-Private Room in a public general hospital up to a maximum of 15 days per calendar year.

    DENTAL
    Dental benefits maximum $1500.00 annually based on the date of the first paid claim. Your coinsurance is 100% for basic and 100% for Comprehensive services. Cleaning coverage every (9) month plus (12) units of scaling.

    VISION
    Your vision benefits carriers a maximum of $150.00 every 24 months for prescription or contact lenses provided they are dispensed by an Optometrist or Ophthalmologist. Vision benefits do not include eye examinations.

    Weekly deduction for Health benefits
    Single Coverage $8.88/ per week
    Family Coverage $24.81/ per week

    大家觉得这个计划合算吗？另外，健康保险的费用应该也是可以减税的吧？更多精彩文章及讨论，请光临枫下论坛 rolia.net
    • 才刚过了一天，就已经被挤到第九页了，这里文章更新的好快呀。有没有大虾出手点拨一下呀 -tjren(狗不理); 2002-3-11 (#398970@0)
    • 你这里不是有牙医和药肥什么的保险吗？ 怎么说没有啊？ 应该加入吧， 不然到时候看牙怎么办 -ningxin0809(雁影行洲); 2002-3-11 (#399008@0)
      • 这个有牙医和药费的Benefit是要另外交钱的，就是$8.88(single)$24.81(family)/per week，所以要问一下是否值得 -tjren(狗不理); 2002-3-11 (#399141@0)
        • Besides you salary, does your company pay you extra benefit by cash? If yes, you already got the benifit. If not, it seems as you buy insurence by your own. -google(nobody); 2002-3-11 (#399173@0)
        • 我好象不交钱就有这些保险啊？ 我不知道你这样核算不核算， 但是我儿子和LG可是治牙大户， 加拿大牙医的最爱。 所以我觉得很有必要投暴 -ningxin0809(雁影行洲); 2002-3-12 (#400358@0)
    • 值得，你交的应该只是小头，公司是大头。我原来公司的unlimited dental一个月总价要150多，整个plan 300多。 -busy(busy); 2002-3-11 (#399147@0)
    • 真贵，extended部分每两周$24（family）还差不多。 -eglington(eglington); 2002-3-11 (#399187@0)
    • 我觉得合算。如果你爱人没有公司医疗福利，那么，你每星期花24元多即每年近1300元的保险费，可以获得包括牙医、按摩在内的服务。仅牙医一项，两人每年至少七、八百元，你再按掉500元的摩，肯定够本，其它都是赚的。 -rollor(Rollor); 2002-3-12 (#399630@0)
      • I didn't see there is a item called "message" stated in the insurance clauses there (neither in his or in my CLARICA insurance booklet), would you clarify it for me? -labelle(freefire); 2002-3-12 (#400355@0)
        • 刚才又看了一下，我的这个里面包括按摩和足底等几种物理疗法，一年总共不能超过$500。我想各个保险公司不完全一样吧，我们公司参加的不是CLARICA，这个叫Green Shield。 -tjren(狗不理); 2002-3-12 (#400397@0)
          • 那不错啊， 我觉得还是可以的， 快去报名吧 -ningxin0809(雁影行洲); 2002-3-12 (#400406@0)
    • 合算, 光看牙就合算。补一颗牙, 杀神经加一个牙套(医生非要给加), 就需要$1500。 -eelvis(eelvis); 2002-3-12 (#399870@0)
    • 谢谢大家的建议，看来大多数人都推荐参加这个计划，那我就听大家的，明天找公司报名 -tjren(狗不理); 2002-3-12 (#400337@0)
      • 另外问一句，参加这个计划交的钱能不能减税的？ -tjren(狗不理); 2002-3-12 (#400339@0)
        • 这部份的钱不能用来扣税，因为在加拿大一定要打一次税。也就是说你现在是打税的，将来享受的福利就不用打税。另外，公司付的那部份保费也不用算是你的taxable income. -cdangel(cdangel); 2002-3-12 (#400363@0)
          • 谢谢 -tjren(狗不理); 2002-3-12 (#400378@0)
    • 我想参加专业人士协会推荐的SOLO医疗保险(Imperial Life Financial)，请大家给拿个主意 -polarbigbear(polarbigbear); 2002-4-8 (#444244@0)

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