绝大多数是病人自付和雇主保险负责

 拉斯维加斯3499线路     |      2019-05-04 08:50
绝大多数是病人自付和雇主保险负责

 果成年的非牙医治疗必须同时处理口腔方面的疾病时,政府才可以部分负责牙医服务。比如说因为口腔方面的癌症而必须拔除牙齿等情况。
雇主提供的牙医保险和其他医疗保险是分开的,雇员可以选择购买或不购买。这些牙医保险每月的保费通常比医疗保险便宜,但是自付的部分很高。雇员购买牙医保险之后,保险公司就会寄来一份费率表,标明投保人将自付的费用。同美国医学会为所有医疗服务制定代码一样,美国牙医学会制定颁布牙医操作专用代码(Current Dental Terminology),牙医的服务都有代码标示,费用也是按照代码收取,具体费率由牙医和保险公司签订的合同而定。笔者2009年初进行了臼齿根管治疗,包括牙髓清除、消毒、填充、植桩、加冠,去牙医诊所4次,一共自付费用1635美元。
由于牙医服务不属于政府福利范围,绝大多数是病人自付和雇主保险负责,因此受经济周期的影响很大。经济增长快、失业率低、劳动工资收入高时,牙医服务需求也增长;反之,经济萧条、失业率高、劳动收入低时,牙医服务的需求也减少。2008年开始的经济萧条对美国牙医行业有不利影响。
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(1) American Medical Association,Physician characteristics and distribution in the U. S. ,2008 edition. All physician demographic statistics are from this source.
(2) National Center for Health Statistics,Health,United States ,2008,Table 110. Doctors of medicine,by place of medical education and activity:United States and outlying U. S. areas,selected years 1975—2006,p. 396.
(3) Ibid.
(4) American Medical Group Association,2008 Physician Compensation Survey ,2008.
(5) Bureau of Labor Statistics,May 2008 National Occupational Employment and Wage Estimates ,http://www.bls.gov/oes/current/oes_nat.htm,accessed on Dec. 8,2009.
(6) American Medical Association,AMA Physician Masterfile ,January 2007.
(7) Jackson Williams,“Medical Misdiagnosis:Challenging the Malpractice Claims of the Doctors' Lobby”,Public Citizen,2003.
(8) Consumer Federation of America,“Urge Opposition to McConnell Amendment to S. 812”,July 29,2002. http://www.consumerfed.org/finance/mcconnell_amendment_to_s812.asp,accessed on Dec. 10,2009.
(9) Lewis L. Laska,“Faulty Data and False Conclusions:The Myth of Skyrocketing Medical Malpractice Verdict”,Medical Malpractice Verdicts,Settlements & Experts at:http://www.verdictslaska.com/malpractice/index2.html.
(10) Gerard F. Anderson,Peter S. Hussey,Bianca K. Frogner and Hugh R. Waters,“Health Spending In The United States And The Rest Of The Industrialized World”,Health Affairs ,July 2005.
(11) Ken Terry,“2008 Exclusive Survey—Malpractice premiums:Dropping,but still high”,Medical Economics ,August 1,2008.
(12) John T. Queenan,“Professional Liability Insurance:Still a Crisis”,Obstetrics & Gynecology ,105(6):128
 
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