费用与保险

骨髓移植费用和保险信息

妙佑医疗国际有专门的移植经济问题代表和社会工作者,可以为患者提供有关移植保险和财务方面的协助。

妙佑医疗国际与数百家保险公司合作,是数百万人的网络内医疗服务提供者。在大多数情况下,妙佑医疗国际不需要医生转诊。某些保险公司要求转诊,或有其它特定医疗要求。许多保险公司要求患者在移植服务之前需要取得预先批准。

保险信息

在进行移植之前,与保险公司密切合作以了解您的保险给付计划非常重要。您将自行承担所有不在保险公司承保范围内的移植和医疗护理费用。

您可能需要向保险公司询问有关移植费用的几个问题,例如:

  • 我的保险计划的具体承保范围是什么?我的医疗和移植服务的免赔额、共同保险、共付额、终身最高保额和年度最高金额是多少?
  • 我的保险计划中是否有预先存在疾病或等待期方面的条款?如果有,时间框架是什么?是否可以豁免?
  • 我的保险计划是否涵盖药房保险?如果包括,我的保险计划是否涵盖我目前使用的药物和免疫抑制剂用药?
  • 我的保险计划在评估或移植时是否需要任何特殊批准?一旦提交给保险公司,批准流程需要多长时间?
  • 如果我符合条件,我是否需要参保联邦医疗保险 (Medicare)?
  • 我的保险是否符合联邦医疗保险福利协调指南?
  • 参保联邦医疗保险后,我当前的承保范围将有什么变化?我的保险计划是否会变成补充保险计划或是二级保险计划?

如果您的保险计划是联邦医疗保险辅助险,请询问以下几个问题:

  • 我的保险计划是否符合联邦医疗保险指南?
  • 我的保险计划是否承保联邦医疗保险 A 和 B 部分的免赔额和共保额?
  • 我的保险计划中是否有预先存在疾病或等待期方面的条款?如果有,时间框架是什么?
  • 我的保险计划是否提供联邦医疗保险 D 部分承保范围的选项?

Other expenses

Please plan for other expenses that may occur related to your transplant. These may include, for example, follow-up medical appointments, long-term medications, caregiver expenses, travel, parking and lodging.

For international patients

Mayo Clinic has dedicated international patient account representatives who can assist you with questions regarding your costs and insurance. Read more about international financial services.

Case managers

Mayo Clinic financial staff will work closely with your case managers from your insurance company. Your case manager, who is assigned to you, is available to answer questions and calls related to your insurance costs.

Dec. 04, 2020
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