在美国看病必须先找医生,而不是直接去医院挂号。只有医生觉得你需要住院或手术才送你去医院。大多情况下,医生和医院是合同关系,而不是雇佣关系。在医生诊所只给医生付账,在医院要分别给医院和医生付账。当然,现在都是医生和医院直接与保险公司交涉,你不必经手任何账务,看病时出示保险卡就行了。值得一提的是,健康保险不是按医生和医院的账单全额支付,而是要按合同价格或优惠价格打个折扣;还要审查每一检查和治疗项目是否有必要、是否符合临床指南;手术、住院、做CT等昂贵检查都必须经保险公司预先批准,否则拒付;对重症患者还会跟踪治疗过程,甚至去医院查房。所以现在美国的健康保险被称为“管理式”健康保险,因为保险频频干预医疗服务的过程。医疗方面对这样的干预当然不爽,但也不得不从,因为绝大多数的病人都是保险公司的会员。 To see a doctor in the United States, you must first go to a doctor instead of going to the hospital directly. Only doctors think you need hospitalization or surgery before sending you to the hospital. In most cases, the doctor and the hospital are in a contractual relationship, not an employment relationship. At the doctor’s office, only doctors are paid, and hospitals and doctors are paid separately. Of course, doctors and hospitals are now directly involved with the insurance company. You do not need to handle any accounts. You need to show your insurance card when you see a doctor. It is worth mentioning that health insurance is not paid in full according to the bills of doctors and hospitals, but is discounted according to the contract price or preferential price; it is also necessary to examine whether each inspection and treatment item is necessary and whether it meets the clinical guidelines; Surgery, hospitalization, CT and other expensive examinations must be pre-approved by the insurance company, otherwise they refuse to pay; for severe patients will also follow the treatment process, and even go to the hospital rounds. So now the health insurance in the United States is called “managed ” health insurance, because insurance frequently interferes with the process of medical services. Medical intervention is certainly not good for such interventions, but it also has to be because most of the patients are members of insurance companies.