<![CDATA[
<div class="" data-block="true" data-editor="1qs12" data-offset-key="f5gk2-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="f5gk2-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="f5gk2-0-0" style="font-family: inherit;">미국 보험회사들은 엄청 다양한데다, 같은 보험회사라도 개인/회사마다 다르게 계약해서 모두 다릅니다.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="9q8g9-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="9q8g9-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span style="font-family: inherit;">즉 약국에서 처방이 들어올 때마다 일일이 보험회사에 전화해 손님의 계약을 체크한 후 가격을 책정해야합니다. 당연히 실수 많이 생기죠.</span><br></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="f6luo-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="f6luo-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="f6luo-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="ac938-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="ac938-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="ac938-0-0" style="font-family: inherit;">Freestyle libre라는 몸에 붙이고 2주일동안 혈첵없이 혈당을 볼 수 있는 장비가 있습니다. </span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="u61o-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="u61o-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="u61o-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="amcs2-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="amcs2-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="amcs2-0-0" style="font-family: inherit;">작년에 제 보험으로 센서 한달치 (2개)를 샀습니다.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="5dgav-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="5dgav-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="5dgav-0-0" style="font-family: inherit;">$75를 청구하더군요. 한개당 $37.5이죠.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="dentq-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="dentq-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="dentq-0-0" style="font-family: inherit;">보험 적용이 전혀 안된 가격이어서 약국에 따지니 보험회사에서 보험적용안된다고 했다네요. 보험회사에 전화했더니 약국 문제라고 책임을 전가하더군요...</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="dj9ne-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="dj9ne-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="dj9ne-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="9sltn-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="9sltn-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="9sltn-0-0" style="font-family: inherit;">그리고 올초에 같은 약국에서 2개 더 샀는데 이번엔 보험이 적용돼 $42(?)인가. 개당 $21이죠.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="6gchg-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="6gchg-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="6gchg-0-0" style="font-family: inherit;">그래서 이제부터 보험적용되나 했는데 또 몇달후에는 $75...</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="54b01-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="54b01-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="54b01-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="3sgko-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="3sgko-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="3sgko-0-0" style="font-family: inherit;">열받아 보험회사에 전화했더니 지난번엔 약국탓으로 돌리더니 이번엔 전혀 다른 얘기를 하더군요.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="c0prb-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="c0prb-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="c0prb-0-0" style="font-family: inherit;">3개월치를 주문해야 보험적용되는데 내가 1달치만 주문해서 그렇다고... 그리고 우편주문하면 더 싸다고...</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="2smed-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="2smed-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="2smed-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="bjcsm-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="bjcsm-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="bjcsm-0-0" style="font-family: inherit;">그래서 3개월치를 우편 주문했는데 의사 처방이 1개월씩이라 그거 바꾸냐고 한참 걸리고 이제 배달되나 했더니...</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="4uieh-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="4uieh-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="4uieh-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="d9qes-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="d9qes-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="d9qes-0-0" style="font-family: inherit;">우편주문한 약국에서 전화가 왔습니다. 보험회사에 전화하니 보험 커버 안된다는데 할꺼냐고...</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="f08qu-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="f08qu-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="f08qu-0-0" style="font-family: inherit;">왜 안되냐고 했더니 자기들도 모른다네요.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="9ihnn-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="9ihnn-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="9ihnn-0-0" style="font-family: inherit;">더 황당한건 3달치 가격이 $75*3보다 훨씬 더 비싸더군요.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="2jb3k-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="2jb3k-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="2jb3k-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="8ve5q-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="8ve5q-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="8ve5q-0-0" style="font-family: inherit;">너무 시간을 끌어 애가 붙이고 있는 거 단 하나 남았는데 제 처방전이 소진되어 급하게 wife보험으로 3달치 우편주문했더니... </span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="1ikhn-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="1ikhn-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="1ikhn-0-0" style="font-family: inherit;"><br data-text="true"></span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="15k4n-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="15k4n-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="15k4n-0-0" style="font-family: inherit;">6개에 $63... 개당 $10.5이네요.</span></div></div><div class="" data-block="true" data-editor="1qs12" data-offset-key="2hkp0-0-0" style="font-family: Helvetica, Arial, sans-serif; color: rgb(28, 30, 33); font-size: 14px; white-space: pre-wrap;"><div data-offset-key="2hkp0-0-0" class="_1mf _1mj" style="position: relative; direction: ltr; font-family: inherit;"><span data-offset-key="2hkp0-0-0" style="font-family: inherit;">그건 좋았는데 필요없다고 분명히 말한 reader ($72)를 보내왔네요. 그런데 다행인지 불행인지 며칠후 reader가 죽어 필요 있게 되었습니다.</span></div></div><p><br></p>
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미국 보험회사와의 일상...
안재형
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19.08.08 21:21
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첫댓글 ㅎㅎㅎ, 미국 건강보험의 아주 전형적인 폐단을 말씀하셨네요. TV를 보다보면 가끔 약값에 관한 광고가 나오는데 보통 광고를 열심히 않보지만 이건 유심히 봅니다. 간단하게 말하면 App을 이용해서 어느 약국에서 같은 약을 싸게 파는가를 알려주는거죠. Google Map에 어느 주유소 가스값이 싼가를 알려주는것 처럼이요. 그래서 약국마다 서로 경쟁을 하기도 하더군요, 다른곳에서 처방서를 가져오면 몇 % 싸게 주겠다. 가만보면 약값이 비싼것이 제약회사의 문제가 아니라 보험회사와 약국들인것 같습니다. 그래서 저는 Kaiser 보험이 있는데 아에 Kaiser 약국에서 Generic drug을 이용하는데 보험이 없을 경우에는 Costco가 좋다고 하더군요