アメリカの保険システムの特徴。プライベート保険利用で検査キットを無料取得。 | ニューヨークと東京に暮らす変な経営者のひとりごと

ニューヨークと東京に暮らす変な経営者のひとりごと

(旧タイトル、NYと六本木ヒルズに住む経営者のひとりごと) 
ニューヨークと東京で会社を経営してます。 NYがベースで、年間10回以上、NYー東京間を往復しています。 アメリカ生活が30年以上になるので、日本にいると沢山の驚きがあります。そんな驚きを綴っています。

at home tests without a doctor’s prescription or clinical assessment. 

This COVID-19 at home test benefit includes up to 8 tests per member per 30 days. 

 

 

インキンタムシに罹患しているか 

どうかを調べるテストキットを 

企業のプライベート健康保健でも、 

キット一つにつき、

12ドルまで 

一人一カ月に8個まで購入したら 

保健会社は返金手続きをします。 

 

保健会社が定める薬局なら、 

金を出さずに、手に入れることが できます。

写真はイメージです。 

 

保険の加入をしてない人は 

アメリカ政府のGive awayで 取得するしかなし。 

 

もしくは、 自分で購入します。 

アメリカの資本主義を 見せつけるこの待遇の違い。 

 

保険の加入出来ない人は、

 検査を受けるためにも、 

長蛇の列に並びます。 

 

健康保険に加入できるだけで、 

ラッキーなのです。 

 

それすら、 感謝しない社員はいます。 

 

つまり、 当たり前メンタリティです。 

 

弊社には駐在員はいないので、 

スペシャル割引きはなく、

 健康保健料金だけで、 

毎月独身者には10万円ほど 払ってます。  

 

個人負担は2割徴収。 

 

日本企業の多くは、 

駐在員が日本での健康保険料を 

支払いしているため、 

アメリカでは企業で全額負担。 

 

駐在員とのディスクリミネーションを 

避けるために現地採用社員も 恩恵を被ります。 

 

日本の健康保険システムは 最高です。 

 

どこの医者に行っても同じ料金は 

逆に医者にとっては、 

健康保険適用診療は したくないでしょうね。 

 

患者として、 

日本にいる時に事故で入院して 

悟りましたが、

 

 混み過ぎ! 

 

田舎は特に 

老人の憩いの場となってます。 

 

負の波動を感じます。笑 

 

アメリカは 健康保険会社から 

多額の金を払って、 

保険を買います。 

 

病院も医者も、 

好き放題の料金で、 

 

良い保険を持っていると 

カバーする診療が増えます。 

つまり、 全てお金で待遇が変わります。 

 

コネチカット州の医者病院は 

日本の病院のように、 

混むことはありません。 

ホテルのようです。 

 

自分の保険のレベルで 

病院を選び、

医者を選びます。 

 

 

従業員は保険があることに感謝しよう。  

 

UnitedHealthcare Members can now get up to eight COVID-19 at home tests at no cost to them On Jan. 10, 2022, the Departments of Labor, Treasury and Health and Human Services released guidance to support the Administration’s directive that health insurers and group health plans cover, subject to certain criteria, the cost of FDA-authorized or approved over-the-counter (OTC) COVID-19 at home tests beginning on Jan. 15, 2022. On Jan. 15, 2022, UnitedHealthcare began covering most commercial individual and group health plan members’ FDA-authorized or approved OTC COVID-19 at home tests without a doctor’s prescription or clinical assessment. This COVID-19 at home test benefit includes up to 8 tests per member per 30 days. UnitedHealthcare fully insured and Level Funded individual and group health plan members will have two ways that they can receive reimbursement for these COVID-19 at home test kits. Preferred Retailers — UnitedHealthcare has developed and deployed a solution of Preferred Retailers for coverage of OTC COVID-19 at home test kits. A Preferred Retailer is a pharmacy that UnitedHealthcare has made arrangement with to provide an OTC COVID-19 at home tests at no cost to the member at time of purchase or later. The list of Preferred Retailers and their websites may be found in the Preferred Retailer list on uhc.com. UnitedHealthcare is working to add additional Preferred Retailers. Other retailers or online — If the member purchases a COVID-19 at home test at any in-store or online retailer other than at the in-store pharmacy counter, they may submit purchase receipt(s) for reimbursement at the UnitedHealthcare member portal for a maximum reimbursement of $12 per test. Many COVID-19 tests are sold as a two-pack so that means the test pack would be reimbursed at $24 ($12 for each test). A member must be a UnitedHealthcare commercial individual or group health plan member and have UnitedHealthcare’s Pharmacy benefit to purchase OTC COVID-19 at home tests at the Preferred Retailer at no cost using their UnitedHealthcare member ID card. As mentioned earlier, the member may also purchase and then submit a receipt for reimbursement at the retail location of their choice. Other self-funded customers will receive a communication shortly that will outline the program and options for their business and members. Where to get information For additional information go to the customer/broker COVID-19 At Home Test FAQs or contact your broker or UnitedHealthcare representative. Information for members is on the UnitedHealthcare COVID-19 Resource Center on the OTC at home testing page including the list of Preferred Retailers. Other COVID-19 updates Supreme Court blocks OSHA testing and vaccination mandate for large private employers On Jan. 13, 2022, the U.S. Supreme Court blocked the Administration's requirement that large private companies with 100 or more workers require employees to have the COVID-19 vaccination or submit negative weekly tests to enter the workplace. The overturned mandate also required unvaccinated workers to wear masks when indoors. The vaccine mandate still stands for health care workers in medical facilities that take Medicare and Medicaid payments. 90-day extension of COVID-19 National Public Health Emergency On Jan. 14, 2022, Health and Human Services extended the National Public Health Emergency for an additional 90 days through April 15, 2022. For questions, please contact your broker or UnitedHealthcare representative. You are receiving this email from UnitedHealthcare because you purchased a product/service from UnitedHealthcare. Please do not reply to this email address; this mailbox is used for outbound email only. UnitedHealthcare This email was sent by: UnitedHealthcare 9800 Health Care Lane, Minnetonka, MN 55343 United States © 2022 United HealthCare Services, Inc. 1/22 22-1308224 Unsubscribe from this type of communication. Trouble viewing this email? View in browser Health plan coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.