Category: Insurance Education
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🏥 Disability Income：萬一不能工作，收入如何被保險接住？ Disability Income: If You Can’t Work, Who Protects Your Paycheck
Disability Income（傷病失能收入保險）不是賠醫療帳單，也不是賠身故，而是在你因疾病或意外暫時不能工作時，每個月補貼一部分收入。本文說明常見條款、等待期、給付比例與誰特別需要，幫你看懂這塊容易被忽略的收入防護網。Disability Income insurance doesn’t pay hospitals — it protects your paycheck when sickness or injury keeps you from working. This article explains how DI works, key terms like own occupation and waiting period, and who may benefit most from adding this coverage to their overall Life & Health plan.
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💚 重大疾病險 / Cancer Plan：重大疾病來了，醫療險之外誰來幫你？ Critical Illness / Cancer Plans: When a Diagnosis Hits, Who Covers Your Life Costs?
「重大疾病險／癌症險」不是替代醫療險，而是在確診癌症、心肌梗塞、中風等時，一次給你一包現金，幫你撐過房貸、生活費與自付額。本篇帶你看懂保障範圍、給付方式與挑選重點。Critical Illness and Cancer plans don’t replace medical insurance — they provide a lump-sum cash benefit when a serious diagnosis happens, so you can keep paying your bills and focus on treatment. This article explains how these plans work, who might need them, and what to look for when choosing coverage.
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📜 Term vs Whole vs 醫療險 vs Travel：不同保單的真正用途是什麼？ Term vs Whole vs Medical vs Travel Insurance: What Is Each Policy Really For?
Term Life、Whole Life、醫療險、旅遊險到底差在哪裡？這篇用真實情境說明每一種保單在處理哪一種風險：有人過世的「收入缺口」、醫療帳單、短期旅行風險與長期規劃，幫你避免拿錯保單、期待它變成全能超人。 Term life, whole life, medical insurance and travel insurance all cover very different risks. This guide explains, in plain English, what each type of policy is truly for and how they work together, so you don’t rely on the wrong policy to do the wrong job.
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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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💰 IRMAA 是什麼？高所得 Medicare 加價一次說清楚（含收入門檻表）What Is IRMAA? A Simple Guide to High-Income Medicare Surcharges
IRMAA 是什麼？為什麼退休前收入高，Medicare 保費會突然變貴？本篇用最簡單的方式解釋高所得附加費的規則、收入級距表、常見地雷與降低 IRMAA 的方法，適合即將退休、科技業、工程師及華人家庭。What is IRMAA and why does your Medicare premium increase if you earned more before retirement? This bilingual guide explains income thresholds, MAGI rules, common triggers, and how to reduce or appeal IRMAA.
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🧓 Medicare A / B / C / D 一次說清楚：美國紅藍卡懶人包 Medicare A, B, C & D Explained: Simple Guide to the Red-Blue
第一次面對美國紅藍卡，A、B、C、D 看得頭很大？這篇懶人包用圖解與例子，帶你一次看懂 Medicare 四大部分、優勢計畫 vs 原始計畫、Medigap 補充險與重要申請時間，特別適合華人家庭與準退休族。New to Medicare and confused by Parts A, B, C and D? This simple, bilingual guide explains how Medicare works, the difference between Original Medicare and Advantage plans, what Medigap does, and which enrollment deadlines you cannot miss.
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💊 HMO、PPO、EPO、HDHP 怎麼選？美國健康保險懶人包 HMO vs PPO vs EPO vs HDHP – Quick Guide
HMO 比較便宜、PPO 比較自由、EPO 夾在中間、HDHP 則靠 HSA 幫你節稅——但真正適合你的，取決於生活型態與看醫生習慣。這篇用中文幫你一次整理四種 plan 的差異與選擇方向。HMO is cheaper, PPO offers more freedom, EPO sits in-between, and HDHP works best when paired with an HSA. This article walks you through how each plan works and how to choose based on your real life, not just the premium number.
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💊 PPO、HMO、HDHP 看醫生，After Deductible 之後到底誰比較省？PPO, HMO, HDHP: After the Deductible, Who Actually Costs You More
很多人以為 HDHP 看醫生一定比較貴，甚至擔心醫生會不喜歡收這種病人。其實醫生收到的錢，是看他和保險公司的合約價，不是看你是不是 HDHP。這篇用例子拆解 PPO、HMO、HDHP 在打破 deductible 之前與之後，真正的差別是什麼。Many people assume HDHPs are “worse” and always more expensive, even after the deductible is met. In reality, doctors are paid based on contracted rates with the insurer, not on your plan type. This article breaks down how PPO, HMO, and HDHP actually work before and after the…