Negotiated Rate | Oscar FAQ
A negotiated rate is the amount an insurance company agrees to pay for a medical service or supply from a specific doctor or group.
Lopi mark this message contains personal perspective
｜originally written by Lopi
(1)一般來說，在美國沒有醫療保險的病人收到的帳單是最貴的 Full Price /Billed Price。保險公司付給醫療機構的叫 Adjusted Rate /Negotiated Rate /Allowed Amount /Approved Price (相當於台灣的健保價). 《在美國健保折扣價通常只有 沒有打折扣的Full Price 的1/3到1/4》
(2)也就是說，在國外沒有健康保險，不只是要自掏腰包，收到的Full Price帳單還可能是當地健保折扣價的3到4倍天價，所以出國還是加買旅遊健康保險比較妥當。參考[1]
(2)也就是說，在國外沒有健康保險，不只是要自掏腰包，收到的Full Price帳單還可能是當地健保折扣價的3到4倍天價，所以出國還是加買旅遊健康保險比較妥當。參考[1]
Opinion Sources
[1]https://www.hioscar.com/faq/negotiated-ratehttps://www.hioscar.com/faq/negotiated-rate
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