{"id":25795,"date":"2020-06-15T05:35:01","date_gmt":"2020-06-15T09:35:01","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/international-students-guide-to-the-us-healthcare-system\/"},"modified":"2025-08-09T03:07:25","modified_gmt":"2025-08-09T03:07:25","slug":"international-students-guide-to-the-us-healthcare-system","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/international-students-guide-to-the-us-healthcare-system\/","title":{"rendered":"\u56fd\u9645\u5b66\u751f\u6307\u5357\uff1a\u7f8e\u56fd\u533b\u7597\u4fdd\u5065\u7cfb\u7edf"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u7f8e\u56fd\u62e5\u6709\u72ec\u7279\u7684\u533b\u7597\u4fdd\u5065\u7cfb\u7edf\uff0c\u4e0e\u4e16\u754c\u5176\u4ed6\u5730\u65b9\u7684\u90fd\u4e0d\u540c\u3002\u8fd9\u91cc\u6ca1\u6709\u50cf\u8bb8\u591a\u56fd\u9645\u5b66\u751f\u5728\u5bb6\u4e61\u4e60\u60ef\u7684\u56fd\u6709\u5316\u6216\u5168\u6c11\u533b\u7597\u4fdd\u5065\u3002\u76f8\u53cd\uff0c\u7f8e\u56fd\u4f9d\u8d56\u4e2a\u4eba\u62e5\u6709\u81ea\u5df1\u7684\u79c1\u4eba\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212 &#8211; \u5426\u5219\uff0c\u4ed6\u4eec\u5c06\u8d1f\u8d23\u81ea\u4ed8\u533b\u7597\u8d39\u7528\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5728\u8fd9\u7bc7\u6587\u7ae0\u4e2d\uff0c\u6211\u4eec\u5c06\u63a2\u8ba8\u7f8e\u56fd\u7684\u533b\u7597\u4fdd\u5065\u7cfb\u7edf\uff0c\u4e3a\u4ec0\u4e48\u56fd\u9645\u5b66\u751f\u9700\u8981\u5065\u5eb7\u4fdd\u9669\uff0c\u4ee5\u53ca\u5728\u8bc4\u4f30\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u65f6\u9700\u8981\u6ce8\u610f\u7684\u91cd\u8981\u8003\u8651\u56e0\u7d20\u3002<\/span><\/p>\n<p><b>\u00a0<\/b><\/p>\n<h3><b>\u533b\u7597\u6cbb\u7597\u6700\u6602\u8d35\u7684\u56fd\u5bb6\uff1a\u7f8e\u56fd<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u5065\u5eb7\u4fdd\u9669\u53ef\u80fd\u4ee4\u4eba\u671b\u800c\u5374\u6b65\u4e14\u6602\u8d35\u3002\u7136\u800c\uff0c\u91cd\u8981\u7684\u662f\u8981\u7406\u89e3\uff0c\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\uff0c\u4fdd\u62a4\u81ea\u5df1\u514d\u53d7\u610f\u5916\u533b\u7597\u8d39\u7528\u7684\u4fb5\u88ad\u662f\u81f3\u5173\u91cd\u8981\u7684\u3002\u56fd\u9645\u5b66\u751f\u5e94\u7279\u522b\u6ce8\u610f\u8fd9\u4e00\u70b9\uff0c\u56e0\u4e3a\u5728\u7f8e\u56fd\u7684\u5178\u578b\u6cbb\u7597\u8d39\u7528\u53ef\u80fd\u662f\u5728\u5bb6\u4e61\u540c\u6837\u6cbb\u7597\u76842\u52303\u500d\uff0c\u751a\u81f3\u66f4\u591a\u3002\u5e73\u5747\u6025\u8bca\u5ba4\u8bbf\u95ee\u8d39\u7528\u5728\u6ca1\u6709\u4fdd\u9669\u7684\u60c5\u51b5\u4e0b\u53ef\u80fd\u8d85\u8fc71,000\u7f8e\u5143\uff0c\u800c\u5728\u7f8e\u56fd\u7684\u6551\u62a4\u8f66\u8d39\u7528\u5927\u7ea6\u4e5f\u662f\u8fd9\u4e2a\u4ef7\u683c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e8b\u5b9e\u4e0a\uff0c\u8bb8\u591a\u7f8e\u56fd\u516c\u6c11\u90fd\u5728\u52aa\u529b\u652f\u4ed8\u533b\u7597\u8d26\u5355\uff0c\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u5bf9\u4e8e\u4efb\u4f55\u6765\u7f8e\u56fd\u7684\u4eba\u6765\u8bf4\uff0c\u83b7\u5f97\u79c1\u4eba\u4fdd\u9669\u8ba1\u5212\u5982\u6b64\u91cd\u8981\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>\u7f8e\u56fd\u7684\u5065\u5eb7\u4fdd\u9669<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u597d\u6d88\u606f\u662f\uff0c\u867d\u7136\u7f8e\u56fd\u7684\u533b\u7597\u8d39\u7528\u6602\u8d35\uff0c\u4f46\u56fd\u9645\u5b66\u751f\u901a\u5e38\u53ef\u4ee5\u4ee5\u8d1f\u62c5\u5f97\u8d77\u7684\u4ef7\u683c\u627e\u5230\u5168\u9762\u7684\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212 &#8211; \u901a\u5e38\uff0c\u8fd9\u4e9b\u8d39\u7528\u6bd4\u7f8e\u56fd\u516c\u6c11\u4e3a\u81ea\u5df1\u7684\u79c1\u4eba\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u652f\u4ed8\u7684\u8d39\u7528\u8981\u4f4e\u5f97\u591a\u3002\u00a0<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f5c\u4e3a\u4e00\u540d\u56fd\u9645\u5b66\u751f\uff0c\u4f60\u7684\u4fdd\u9669\u8ba1\u5212\u5e94\u8be5\u4ece\u4f60\u79bb\u5f00\u5bb6\u4e61\u7684\u90a3\u4e00\u5929\u5f00\u59cb\u8986\u76d6\u4f60\uff0c\u76f4\u5230\u4f60\u56de\u5bb6\u7684\u90a3\u4e00\u5929\u3002\u4fdd\u9669\u65e8\u5728\u4fdd\u62a4\u4f60\u514d\u53d7\u610f\u5916\u7684\u4f24\u5bb3\uff0c\u6709\u4e86\u4fdd\u9669\u8ba1\u5212\uff0c\u4f60\u548c\u4f60\u7684\u5bb6\u4eba\u4f1a\u611f\u5230\u5b89\u5fc3 &#8211; \u66f4\u4e0d\u7528\u8bf4\u5728\u533b\u7597\u7d27\u6025\u60c5\u51b5\u4e0b\u7684\u5e2e\u52a9\u4e86\uff01<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>\u5bfb\u627e\u4f60\u7684\u4fdd\u9669\u8ba1\u5212<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u8ba1\u5212\u5728\u7f8e\u56fd\u5b66\u4e60\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u5173\u4e8e\u5982\u4f55\u5bfb\u627e\u3001\u8bc4\u4f30\u548c\u6ce8\u518c\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u7684\u5173\u952e\u63d0\u793a\uff1a<\/span><\/p>\n<p><b>1. \u627e\u51fa\u4f60\u7684\u4fdd\u9669\u8981\u6c42\u3002<\/b><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u662f\u4e00\u540d\u56fd\u9645\u5b66\u751f\uff0c\u4f60\u7684\u5b66\u6821\u53ef\u80fd\u6709\u7279\u5b9a\u7684\u8981\u6c42\u4f60\u5fc5\u987b\u6ee1\u8db3\u3002\u4ee5\u4e0b\u662f\u6700\u5e38\u89c1\u7684\uff1a<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u4f60\u7684\u5b66\u6821\u6709\u4e00\u4e2a\u5fc5\u987b\u6ce8\u518c\u7684\u56e2\u4f53\u8ba1\u5212\uff0c\u8d39\u7528\u901a\u5e38\u7531\u4f60\u7684\u5b66\u6821\u6536\u53d6\u3002<\/p>\n<p style=\"padding-left: 40px;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u60a8\u7684\u5b66\u6821\u6709\u4e00\u4e2a\u56e2\u4f53\u8ba1\u5212\uff0c\u4f46\u60a8\u53ef\u80fd\u53ef\u4ee5\u9009\u62e9\u4e00\u4e2a\u5355\u72ec\u7684\u8ba1\u5212\u3002<\/p>\n<p style=\"padding-left: 40px;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u60a8\u7684\u5b66\u6821\u5df2\u7ecf\u9009\u62e9\u4e86\u4e00\u4e2a\u60a8\u5fc5\u987b\u81ea\u5df1\u8d2d\u4e70\u7684\u4fdd\u9669\u8ba1\u5212\u3002<\/p>\n<p style=\"padding-left: 40px;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u60a8\u7684\u5b66\u6821\u6709\u4e00\u4efd\u63a8\u8350\u9009\u9879\u7684\u6e05\u5355\uff0c\u6216\u8005\u60a8\u53ef\u80fd\u53ef\u4ee5\u9009\u62e9\u81ea\u5df1\u7684\u4fdd\u9669\u8ba1\u5212\u3002<\/p>\n<p>\u5982\u679c\u60a8\u4e0d\u786e\u5b9a\u5b66\u6821\u7684\u8981\u6c42\u662f\u4ec0\u4e48\uff0c\u8054\u7cfb\u60a8\u7684\u5b66\u751f\u5065\u5eb7\u4e2d\u5fc3\u6216\u56fd\u9645\u5b66\u751f\u529e\u516c\u5ba4\u4ee5\u83b7\u53d6\u66f4\u591a\u4fe1\u606f\u662f\u5f88\u91cd\u8981\u7684\u3002\u60a8\u4e5f\u53ef\u4ee5\u8054\u7cfb<a href=\"https:\/\/www.internationalstudentinsurance.com\/?utm_source=mpower_page&amp;utm_medium=mpower_page&amp;utm_campaign=mpower\" target=\"_blank\" rel=\"noopener noreferrer\">\u56fd\u9645\u5b66\u751f\u4fdd\u9669<\/a>\uff0c\u4ed6\u4eec\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5bfc\u822a\u6b64\u8fc7\u7a0b\u3002<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\">[maxbutton id=&#8221;1&#8243; ]<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><b>2. \u4e86\u89e3\u60a8\u7684\u9700\u6c42\u548c\u8ba1\u5212\u8986\u76d6\u7684\u5185\u5bb9\u3002<\/b><span style=\"font-weight: 400;\">\u5065\u5eb7\u4fdd\u9669\u53ef\u80fd\u4f1a\u5f88\u590d\u6742\uff0c\u4f46\u6700\u597d\u7684\u5f00\u59cb\u65b9\u5f0f\u662f\u4e86\u89e3\u60a8\u7684\u9700\u6c42\u3002\u60a8\u9700\u8981\u95ee\u81ea\u5df1\u7684\u95ee\u9898\u5305\u62ec\uff1a<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u5982\u679c\u6211\u9700\u8981\u533b\u7597\u7167\u987e\uff0c\u6211\u80fd\u8d1f\u62c5\u5f97\u8d77\u652f\u4ed8\u591a\u5c11\uff1f<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u6211\u8d2d\u4e70\u4fdd\u9669\u8ba1\u5212\u7684\u9884\u7b97\u662f\u591a\u5c11\uff1f<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u6211\u73b0\u5728\u6709\u6ca1\u6709\u9700\u8981\u533b\u7597\u7167\u987e\u7684\u75c5\u75c7\uff1f<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\"><span style=\"color: #f1ba1b;\">\u2666 <\/span>\u6211\u662f\u5426\u53c2\u52a0\u4e86\u9700\u8981\u4fdd\u9669\u7684\u8fd0\u52a8\u6216\u5176\u4ed6\u6d3b\u52a8\uff1f<\/span><\/p>\n<p style=\"padding-left: 40px;\">\u901a\u8fc7\u4e86\u89e3\u60a8\u7684\u9700\u6c42\uff0c\u60a8\u5c06\u80fd\u591f\u5f00\u59cb\u8bc4\u4f30\u60a8\u7684\u4fdd\u9669\u9009\u9879\uff0c\u770b\u770b\u54ea\u4e2a\u8ba1\u5212\u6700\u9002\u5408\u60a8\u3002\u60a8\u4e5f\u53ef\u4ee5\u76f4\u63a5\u81f4\u7535\u4fdd\u9669\u516c\u53f8\u4ee5\u786e\u4fdd\u60a8\u4e86\u89e3\u8ba1\u5212\u7684\u8fd0\u4f5c\u65b9\u5f0f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>3. \u77e5\u9053\u4f60\u53ef\u4ee5\u53bb\u54ea\u91cc\u5c31\u533b\u3002<\/strong> \u4e00\u65e6\u4f60\u7f29\u5c0f\u4e86\u9009\u62e9\u8303\u56f4\uff0c\u4e86\u89e3\u4f60\u53ef\u4ee5\u53bb\u54ea\u91cc\u63a5\u53d7\u533b\u7597\u6cbb\u7597\u4ee5\u53ca\u4f60\u9700\u8981\u652f\u4ed8\u591a\u5c11\u94b1\u5c31\u53d8\u5f97\u975e\u5e38\u91cd\u8981\u3002\u901a\u5e38\u4f1a\u6709\u4e00\u4efd\u4f18\u9009\u7684\u533b\u751f\u3001\u533b\u9662\u548c\u8bca\u6240\u540d\u5355\uff0c\u5982\u679c\u4f60\u53bb\u8fd9\u4e9b\u5730\u65b9\u5c31\u533b\uff0c\u4f60\u9700\u8981\u652f\u4ed8\u7684\u81ea\u4ed8\u6b3e\u9879\u4f1a\u66f4\u5c11\u3002\u786e\u4fdd\u8fd9\u4e9b\u5730\u65b9\u65b9\u4fbf\u4e14\u6613\u4e8e\u5230\u8fbe\uff01<\/p>\n<p>&nbsp;<\/p>\n<p><b>4. \u4e86\u89e3\u4f60\u7684\u8ba1\u5212\u662f\u5982\u4f55\u8fd0\u4f5c\u7684\u3002 <\/b><span style=\"font-weight: 400;\">\u9009\u62e9\u7f8e\u56fd\u7684\u4fdd\u9669\u8ba1\u5212\u7684\u4f17\u591a\u539f\u56e0\u4e4b\u4e00\u662f\uff0c\u8fd9\u4e9b\u4fdd\u9669\u653f\u7b56\u6709\u4e00\u4e2a\u7f8e\u56fd\u7f51\u7edc\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u76f4\u63a5\u652f\u4ed8\u7ed9\u4f60\u7684\u533b\u751f\u3001\u533b\u9662\u6216\u8bca\u6240\u3002\u8bb8\u591a\u56fd\u9645\u4fdd\u9669\u516c\u53f8\u53ea\u4f1a\u62a5\u9500\u4f60\u81ea\u4ed8\u7684\u8d39\u7528\u3002\u8fd9\u4e00\u70b9\u5c24\u5176\u91cd\u8981\uff0c\u56e0\u4e3a\u7f8e\u56fd\u7684\u533b\u7597\u8d26\u5355\u53ef\u80fd\u975e\u5e38\u6602\u8d35\uff0c\u4f60\u53ef\u80fd\u6ca1\u6709\u73b0\u91d1\u5148\u884c\u652f\u4ed8\u7136\u540e\u518d\u7533\u8bf7\u62a5\u9500\u3002\u6b64\u5916\uff0c\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u4f1a\u8981\u6c42\u4f60\u586b\u5199\u7406\u8d54\u8868\u683c\u5e76\u63d0\u4ea4\u5176\u4ed6\u76f8\u5173\u6587\u4ef6\u4ee5\u4fbf\u5904\u7406\u7406\u8d54\u3002\u786e\u4fdd\u4f60\u77e5\u9053\u6d41\u7a0b\u662f\u4ec0\u4e48\uff0c\u8fd9\u6837\u5982\u679c\u4f60\u9700\u8981\u5bfb\u6c42\u533b\u7597\u6cbb\u7597\uff0c\u4f60\u5c31\u4f1a\u505a\u597d\u51c6\u5907\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>\u5728\u54ea\u91cc\u627e\u5230\u4fdd\u9669<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u56e0\u4e3a\u7f8e\u56fd\u5404\u5730\u6709\u6570\u5343\u6240\u5b66\u6821\uff0c\u800c\u4e14\u56fd\u9645\u5b66\u751f\u7684\u9700\u6c42\u56e0\u4eba\u800c\u5f02\uff0c\u6240\u4ee5\u5e76\u6ca1\u6709\u4e00\u6b3e\u9002\u5408\u6240\u6709\u4eba\u7684\u4fdd\u9669\u8ba1\u5212\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u6211\u4eec\u4e0e<\/span><a href=\"https:\/\/www.internationalstudentinsurance.com\/?utm_source=mpower_page&amp;utm_medium=mpower_page&amp;utm_campaign=mpower\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">International Student Insurance<\/span><\/a><span style=\"font-weight: 400;\">\u5408\u4f5c\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f5c\u4e3a\u8be5\u9886\u57df\u7684\u9886\u5bfc\u8005\uff0cInternational Student Insurance (\u6216\u8005\u8bf4\uff0cISI) 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