Category: Medical Insurance
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👵👴 爸媽來美探親醫療保險：華人最常誤解的 3 件事（Visitor Insurance 必讀）Visitor Insurance for Parents Visiting the USA: The 3 Most Common Misunderstandings in Asian Families
爸媽來美探親保險容易踩三大雷：健康就不買、航空保險夠用、慢性病會賠。這篇教你正確選 Visitor Insurance，避免拒賠。 Parents visiting the U.S.? Avoid the top 3 Visitor Insurance mistakes. Understand what’s covered, what’s not, and how to choose the right plan.
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🧓 70+ 高齡旅客：旅遊醫療保險怎麼買？保額、慢性病、年齡限制一次說清楚 Travel Medical Insurance for Seniors 70+: How to Choose Coverage, Handle Age Limits & Pre-existing Conditions
70+ 高齡旅客出國，旅遊醫療險不會完美，但可以大幅降低重大醫療風險。這篇整理年齡限制、保額上限、慢性病條款與出發前準備，給想幫爸媽圓夢旅行的家人一個清楚的參考。 Traveling at age 70+ is possible with realistic expectations and smart planning. This guide explains age limits, coverage options, pre-existing condition rules and practical steps for seniors before traveling abroad.
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🫀 慢性病 × 旅遊醫療保險：出國前必懂的 7 件事（高血壓、糖尿病、心臟病）ravel Medical Insurance & Pre-existing Conditions: 7 Essentials for Travelers with Chronic Illness
慢性病旅客出國必讀：高血壓、糖尿病、心臟病等 Pre-existing Conditions 到底包不包？一篇教你如何挑保單、什麼算急性惡化、哪些情況會拒賠。 A must-read guide for travelers with chronic illness. Understand what counts as a pre-existing condition, what is covered, and how to protect yourself during international trips.
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🌟 Undocumented Immigration 系列 全集目錄（Hub Page) ｜Undocumented Immigration Hub
1. 無證移民的兒童醫療總圖：各州資源、急診規則、家長實用一份總覽 What Every Parent Should Know: The Essential Checklist for Undocumented Children’s Medical Care 2. 👶🩺 孩子生病沒保險？無證移民可用的安全醫療資源攻略 A Realistic Guide to Low-Cost, No-ID Clinics for Undocumented Children 3. 💊🩺 Emergency Only 到底涵蓋什麼？無證移民兒童最常見的醫療誤解 What Does “Emergency-Only” Really Cover? Common Misunderstandings for Undocumented Families 4. 🧡🤰 為什麼有些州只提供急診？理解無證移民兒童醫療的州別差異 Why Do Some States Provide Emergency-Only Care? Understanding Healthcare…
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⭐ Medical Insurance 系列｜全集目錄（Hub Page）｜Medical Insurance Hub
這一頁是 Purser Services 的「Medical Insurance 系列總整理」，把 HMO / PPO、FSA / HSA、COBRA、ACA、Medicare、Visitor Insurance 與特殊情境（慢性病、懷孕、跨國家庭）全部串成一條線，讓你用中文和英文一次看懂美國醫療保險的大地圖。 This Medical Insurance Hub Page gathers all major health insurance articles on Purser Services—HMO/PPO, FSA/HSA, COBRA, ACA, Medicare, visitor insurance and special situations—so you can see the whole picture of U.S. health coverage in one place.
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🩺 特殊情境的醫療保險選擇：慢性病、重大疾病、懷孕、跨國移動怎麼規劃？ Special Situations in Health Insurance: Chronic Conditions, Serious Illness, Pregnancy & Cross-Border Living
有慢性病、重大疾病、懷孕，或是在美國與台灣之間往返時，醫療保險要怎麼選？這篇專門整理特殊情境下的醫療規劃，包括 COBRA、ACA、Employer Plan、Medicare、Visitor Insurance 與 pre-existing condition 的差異，幫你用真實人生場景重新看懂保險。 If you or your family live with chronic conditions, serious illness, pregnancy or cross-border living between the U.S. and another country, this guide explains how employer plans, COBRA, ACA, Medicare and visitor insurance handle pre-existing conditions and special situations—so you can choose coverage that matches real life.
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👩⚕️ 退休／離職後醫療保險怎麼接？COBRA × ACA × Medicare 全面銜接懶人包 Health Insurance After You Leave Your Job: COBRA, ACA & Medicare Transition Guide
退休、離職或換工作後，醫療保險要怎麼接？這篇用簡單圖解說明 COBRA、ACA（Obamacare）與 Medicare 的銜接方式，幫你避開空窗期與終身罰金。 If you’re leaving your job or retiring, this guide explains how to transition between COBRA, ACA Marketplace plans and Medicare so you can stay covered and avoid gaps or lifelong penalties.
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👨👩👧 HSA 可以給哪些家人使用？IRS 規則一次講清楚（美國醫療帳戶）Who Can You Use Your HSA For? Understanding IRS Rules for Family Members
HSA 裡的錢可以幫哪些家人付醫療費？這篇整理 IRS 規則，說明 HSA 可以用在自己、配偶與符合條件的 tax dependents，並解釋爸媽、成年子女、公婆岳父母在什麼情況下可以或不能使用你的 HSA。A simple guide to who qualifies for your HSA—yourself, your spouse and tax dependents—and how this applies to children, parents, in-laws and visiting relatives.
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👵👴 爸媽來美探親要不要買醫療保險？Visitor Insurance 懶人包 Visitor Insurance for Parents Visiting the USA: A Practical Guide for Asian Families
爸媽來美探親沒有美國醫療保險，萬一生病怎麼辦？這篇用最簡單的方式介紹 Visitor Insurance 是什麼、誰需要、pre-existing 慢性病包不包，以及爸媽在美國生病、需要回國時有哪些處理方式。 If your parents are visiting the U.S. without local health insurance, this guide explains what Visitor Insurance is, who needs it, how pre-existing conditions are treated, and what to do if they get sick and need to return home.
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🧩FSA、HSA 傻傻分不清？一篇文章帶你看懂差異 FSA vs HSA: Still Confused
公司開放健保選擇時，FSA 與 HSA 是許多人最困惑的項目。其實兩者最大的差別在於：能不能累積、能不能投資、以及是否綁定 HDHP。本篇用最簡單的表格帶你一次看懂稅務好處與使用方式，避免做出錯誤選擇。FSA and HSA sound similar but work very differently. The biggest distinctions involve rollover rules, investment options, and whether the account is tied to an HDHP. This article uses simple tables and real-life examples to help you choose the right one for your medical and financial needs.