{"id":5565,"date":"2021-03-23T15:32:07","date_gmt":"2021-03-23T22:32:07","guid":{"rendered":"https:\/\/skyline.techtamerstudio.com\/?p=5565"},"modified":"2021-04-21T13:36:42","modified_gmt":"2021-04-21T20:36:42","slug":"%eb%af%b8%ea%b5%ad-%ea%b1%b4%ea%b0%95%eb%b3%b4%ed%97%98-%ec%a2%85%eb%a5%98-%ec%b4%9d%ec%a0%95%eb%a6%ac","status":"publish","type":"post","link":"https:\/\/skyline.techtamerstudio.com\/ko\/%eb%af%b8%ea%b5%ad-%ea%b1%b4%ea%b0%95%eb%b3%b4%ed%97%98-%ec%a2%85%eb%a5%98-%ec%b4%9d%ec%a0%95%eb%a6%ac\/","title":{"rendered":"\ubbf8\uad6d \uac74\uac15\ubcf4\ud5d8 \uc885\ub958 \ucd1d\uc815\ub9ac"},"content":{"rendered":"<p><iframe title=\"\ucee4\ubc84\ub4dc \uce98\ub9ac\ud3ec\ub2c8\uc544 \uac74\uac15\ubcf4\ud5d8 \uc885\ub958 (HMO vs. PPO vs. EPO)\" width=\"900\" height=\"506\" src=\"https:\/\/www.youtube.com\/embed\/7EFOiN85auY?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>\ubbf8\uad6d\uc5d0\uc11c \uac1c\uc778 \ud30c\uc0b0 \uc2e0\uccad\uc774\uc720 1\uc21c\uc704\uac00 \ubc14\ub85c \uc758\ub8cc\ube44 \ub54c\ubb38\uc778\uac70 \uc544\uc138\uc694? \uc5bc\ub9c8 \uc804 \uc800\uc758 \uc190\ub2d8\uc774 \uac11\uc790\uae30 \ubc30\uac00 \uc544\ud30c\uc11c \u00a0\ubcd1\uc6d0 2\uc77c \uc785\uc6d0\ud558\uc168\ub2e4\uac00 \ubcd1\uc6d0\ube44 5\ub9cc\ubd88\uc774 \ub098\uc654\uc2b5\ub2c8\ub2e4.\u00a0 \ubbf8\uad6d\uc740 \uc6cc\ub099 \uc758\ub8cc\ube44\uac00 \ube44\uc2f8\uae30 \ub54c\ubb38\uc5d0 \uc758\ub8cc\ubcf4\ud5d8\uc774 \uc5c6\uc73c\uc2dc\uba74 \ubcd1\uc6d0\ube44\ub97c \ub3c4\uc800\ud788 \uac10\ub2f9\ud560 \uc218\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ud639, \uc758\ub8cc\ubcf4\ud5d8\uc774 \uc788\ub2e4\uace0 \ud558\uc154\ub3c4 \uc6cc\ub099 \ubcf4\ud5d8\uc5d0 \ub530\ub978 \ubcf8\uc778\ubd80\ub2f4\uae08\ub3c4 \ub2e4\uc591\ud574\uc11c \ubcf8\uc778\uc758 \uac74\uac15\uc0c1\ud0dc\uc640 \uc7ac\uc815 \ud615\ud3b8\uc5d0 \ub9de\ub294 \uac74\uac15\ubcf4\ud5d8 \uc120\ud0dd\ud558\ub294 \uac8c \ucc38 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc624\ub298\uc740 \ubbf8\uad6d \uac74\uac15\ubcf4\ud5d8 \uc885\ub958\ub4e4\uc5d0 \uad00\ub828 \uc124\uba85 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubbf8\uad6d \uc758\ub8cc \ubcf4\ud5d8 \ud50c\ub79c\ub4e4\uc740 \uac74\uac15 \ubcf4\ud5d8\ud68c\uc0ac\ub4e4\ub9c8\ub2e4 \ub2e4\uc591\ud558\uc9c0\ub9cc \ub300\uccb4\ub85c HMO, PPO, EPO\uc758 \uc138\uc885\ub958\ub85c \ub098\ub20c \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0 \uac1c\uc778\uc774\ub098 \uadf8\ub8f9 \uac74\uac15\ubcf4\ud5d8\uc758 \ud50c\ub79c\uc744 \uc120\ud0dd\ud560 \ub54c HMO, PPO, EPO \uc911 \uc5b4\ub290 \ucabd\uc744 \uace8\ub77c\uc57c \ud560\uc9c0 \uc120\ud0dd \uad00\ub828 \uace0\ubbfc\uc744 \ub9ce\uc774 \ud558\uc2dc\uc8e0?<\/p>\n<p>\uc774\ub7f0 \ud50c\ub79c\ub4e4 \ucc28\uc774\uc810\uc5d0 \ub300\ud574 \ubbf8\ub9ac \uc54c\uc544 \ub193\uc73c\uc154\uc11c \ucc28\ud6c4 \ubcf4\ud5d8\uc120\ud0dd \ub54c \ud070 \ub3c4\uc6c0\uc774 \ub418\uba74 \uc88b\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>HMO (Health Maintenance Organization)\u00a0\u00a0<\/strong><\/h3>\n<p>\uac00\uc7a5 \ubcf4\ud3b8\uc801\uc778 \uac74\uac15\ubcf4\ud5d8\uc774\uba70 \uc6d4 \ubcf4\ud5d8\ub8cc\ub97c \ub0a9\ubd80\ud558\uc2dc\uace0 \uc815\ud574\uc9c4 \ubcd1\uc6d0\uacfc \uc758\uc0ac \uc9c4\ub8cc\uc5d0 \ub300\ud574 \ubcf4\ud5d8\ud61c\ud0dd\uc744 \uc8fc\ub294 \ud50c\ub79c\uc785\ub2c8\ub2e4.\u00a0 HMO\uc758 \ud2b9\uc9d5\uc740 \ubb34\uc5c7\ubcf4\ub2e4 \uc8fc\uce58\uc758(primary care physician)\ub97c \uc120\uc815\ud55c\ub2e4\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. \uc8fc\uce58\uc758\ub294 \uc8fc\ub85c \ub0b4\uacfc, \uac00\uc815\uc8fc\uce58\uc758 \uc911\uc5d0\uc11c \uc120\ud0dd\ud558\uac8c \ub418\uace0, \uc544\ub3d9\uc758 \uacbd\uc6b0\ub294 \uc18c\uc544\uacfc, \uc5ec\uc131\uc758 \uacbd\uc6b0\ub294 \uc0b0\ubd80\uc778\uacfc \uc758\uc0ac\ub97c \uc120\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \uc804\ubb38\uc758 \ub3c4\uc6c0\uc774 \ud544\uc694\ud560 \ub54c\uc5d0\ub294 \uc8fc\uce58\uc758\ub97c \ud1b5\ud574 \ub9ac\ud37c\ub7f4 (referral)\uc744 \ubc1b\uc544\uc11c \uc804\ubb38\uc758 \uce58\ub8cc\ub97c \ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\ub8cc\ub294 PPO\ubcf4\ub2e4 \uc800\ub834\ud558\uace0 \uc785\uc6d0\uc774\ub098 \uc678\ub798\uac80\uc0ac \ubc0f \uc218\uc220\ub4f1\uc758 \uacbd\uc6b0\uc5d0 \ubcf8\uc778 \ubd80\ub2f4\uae08\uc774 \uc801\uc9c0\ub9cc PPO\ucc98\ub7fc \ubc14\ub85c \uc804\ubb38\uc758 \uce58\ub8cc\ub97c \ubc1b\uc744 \uc218 \uc5c6\uc73c\uba70 \uc0ac\uc804 \uc2b9\uc778\uc774 \ud544\uc694\ud574 \ubd88\ud3b8\ud55c\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uad00\uacc4\ub85c HMO \ud50c\ub79c\uc740 \uac74\uac15\ud558\uc2dc\uac70\ub098 \ubcd1\uc6d0\uc5d0 \uc790\uc8fc \uac00\uc9c0 \uc54a\ub294 \ubd84\ub4e4\uc744 \uc704\ud55c \ud50c\ub79c\uc774\uba70 \ube44\uc0c1\uc0ac\ud0dc (emergency)\uc77c\ub54c\ub294 \uac00\uae4c\uc6b4 \ubcd1\uc6d0\uc73c\ub85c \uac00\uc154\uc11c \uce58\ub8cc\ubc1b\uc73c\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<h3><strong>PPO (Preferred Provider Organization)<\/strong><\/h3>\n<p>PPO\ub294 HMO\ucc98\ub7fc \uc0ac\uc804 \uc2b9\uc778\uc774 \uc5c6\uc774 \ubc14\ub85c \uc804\ubb38\uc758\uc5d0\uac8c \uac00\uc2e4 \uc218 \uc788\uc73c\uba70, \uc758\uc0ac\ub098 \ubcd1\uc6d0\uc774 \ubcf4\ud5d8\ud68c\uc0ac\uc640 \uacc4\uc57d\ud55c \uae08\uc561\uc73c\ub85c \uce58\ub8cc\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\u00a0 \ub530\ub77c\uc11c \uce58\ub8cc\ub098 \uc785\uc6d0\uad00\ub828 \uc57d\uc815\ub41c \uae08\uc561\ub9cc \uc9c0\ubd88\ud558\uc2dc\uba74 \ub418\uba70 \ubc18\ub4dc\uc2dc \uac00\uc785\uc790\uc758 \ubcf4\ud5d8\ud68c\uc0ac\uc640 \uacc4\uc57d\uc774 \ub41c \uc758\uc0ac\ub098 \ubcd1\uc6d0(in network)\uc744 \uc774\uc6a9\ud558\uc154\uc57c \ud558\uba70 \uadf8\ub807\uc9c0 \uc54a\uc740 \uacbd\uc6b0(out of network)\ub294 \ubcd1\uc6d0\ube44\ub97c \ub354 \ub9ce\uc774 \uc9c0\ubd88\ud574\uc57c \ud569\ub2c8\ub2e4. \uadf8\ub798\uc11c \uaf2d \ubcf4\ud5d8 \uc120\ud0dd\ud558\uc2dc\uae30 \uc804\uc5d0 \ubcf4\ud5d8\ud68c\uc0ac\uc758 network\ub97c \ud55c\ubc88 \ud655\uc778 \ud558\uc154\uc57c \ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774\ud50c\ub79c\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ubcf4\ud5d8\ub8cc (Premium)\uc640 \ubcf8\uc778\ubd80\ub2f4\uae08 (deductible)\uc774\ub098 \ucd5c\ub300 \uc9c0\ubd88\ud55c\ub3c4\uc561 (annual out-of-pocket maximum)\uc774 HMO\ud50c\ub79c\uc5d0 \ube44\ud574 \ub192\uc740 \ud3b8\uc774\uc9c0\ub9cc, \uc120\ud0dd\uc758 \uc790\uc720\uac00 \uac00\uc7a5 \ub113\uc740 \ud50c\ub79c\uc73c\ub85c \ubcc4\ub3c4\uc758 \uc8fc\uce58\uc758\ub97c \ub458 \ud544\uc694\uac00 \uc5c6\uc73c\uba70 \uc790\uae30\uac00 \uc6d0\ud558\ub294 \uc9c4\ub8cc\ub97c \uc2e0\uc18d\ud788 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>EPO (Exclusive Provider Organization)<\/strong><\/h3>\n<p>EPO\ud50c\ub79c\uc740 HMO\uc640 PPO\uc758 \uc911\uac04\uc131\uaca9\uc758 \ud50c\ub79c\uc785\ub2c8\ub2e4. \u00a0HMO\uc640 \ube44\uc2b7\ud55c \uc810\uc740 \ub124\ud2b8\uc6cc\ud06c \ubc16\uc758 \uc758\uc0ac \ubc0f \ubcd1\uc6d0 \uc774\uc6a9\uc2dc \ubcf4\ud5d8\ud61c\ud0dd\uc774 \uc5c6\ub294 \uac83\uc774\uba70 \u00a0PPO\uc640 \ube44\uc2b7\ud55c \uc810\uc740 \ub124\ud2b8\uc6cc\ud06c \uc548\uc758 \uc758\uc0ac\uc640 \ubcd1\uc6d0\uc774\ub77c\uba74 \uc790\uc720\ub86d\uac8c \uc774\uc6a9\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc8fc\uce58\uc758 \uc120\uc815\ud558\uc2e4 \ud544\uc694\ub3c4 \uc5c6\uc73c\uc2dc\uba70 \uc804\ubb38\uc758 \uc0ac\uc804 \uc2b9\uc778\ub3c4 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc out-of-network \uc758\uc0ac\ub098 \ubcd1\uc6d0\uc5d0 \uad00\ub828 \ud61c\ud0dd\uc740 \ud558\ub098\ub3c4 \uc5c6\uc2b5\ub2c8\ub2e4. \uadf8\ub798\uc11c EPO\ud50c\ub79c\uc744 \uc120\uc815\ud558\uc2dc\uae30 \uc804 \uaf2d \ubcf4\ud5d8\ud68c\uc0ac network\ub97c \ud655\uc778 \ud558\uc154\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\ub8cc\ub294 PPO\ubcf4\ub2e4 \uc800\ub834\ud558\uba70 HMO\uc5d0 \ube44\ud574 \uc758\uc0ac \ubc29\ubb38 \uc81c\uc57d\uc774 \uc801\uace0 \ucd5c\uadfc\uc5d0 \uc778\uae30\uac00 \ub9ce\uc740 \uac74\uac15\ubcf4\ud5d8\uc785\ub2c8\ub2e4. \uadf8\ub9ac\uace0 \ube44\uc0c1\uc0ac\ud0dc (emergency)\uc77c\ub54c\ub294 \ub124\ud2b8\uc6cc\ud06c \uc0c1\uad00\uc5c6\uc774 \uac00\uae4c\uc6b4 \ubcd1\uc6d0\uc73c\ub85c \uac00\uc154\uc11c \uce58\ub8cc\ubc1b\uc73c\uc2dc\uba74 \ub429\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/skyline.techtamerstudio.com\/ko\">\uc2a4\uce74\uc774\ub77c\uc778 \ubcf4\ud5d8<\/a>\uc740 \uac74\uac15\ubcf4\ud5d8 \uc804\ubb38 \ub300\ub9ac\uc810\uc774\uba70 \ud55c\uad6d\uc5b4 \uc0c1\ub2f4 \uc5d0\uc774\uc804\ud2b8\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc800\uc758 \ud68c\uc0ac \uc5d0\uc774\uc804\ud2b8\ub4e4\uc774 \uadc0\ud558\uc640 \uadc0\ud558\uc758 \uac00\uc871\uc744 \uc704\ud55c \ucd5c\uc0c1\uc758 \uac74\uac15\ubcf4\ud5d8 \ud50c\ub79c\uc744 \ucc3e\ub294\ub370 \ub3c4\uc6c0\uc744 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \uc624\ub298 \uc804\ud654\ud558\uc154\uc11c \ubb34\ub8cc \uc0c1\ub2f4 \ubc1b\uc73c\uc138\uc694 <a href=\"tel:7148885116\">(714) 888-5116<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \ubbf8\uad6d\uc5d0\uc11c \uac1c\uc778 \ud30c\uc0b0 \uc2e0\uccad\uc774\uc720 1\uc21c\uc704\uac00 \ubc14\ub85c \uc758\ub8cc\ube44 \ub54c\ubb38\uc778\uac70 \uc544\uc138\uc694? \uc5bc\ub9c8 \uc804 \uc800\uc758 \uc190\ub2d8\uc774 \uac11\uc790\uae30 \ubc30\uac00 \uc544\ud30c\uc11c \u00a0\ubcd1\uc6d0 2\uc77c \uc785\uc6d0\ud558\uc168\ub2e4\uac00 \ubcd1\uc6d0\ube44 5\ub9cc\ubd88\uc774 \ub098\uc654\uc2b5\ub2c8\ub2e4.\u00a0 \ubbf8\uad6d\uc740 \uc6cc\ub099 \uc758\ub8cc\ube44\uac00 \ube44\uc2f8\uae30 \ub54c\ubb38\uc5d0 \uc758\ub8cc\ubcf4\ud5d8\uc774 \uc5c6\uc73c\uc2dc\uba74 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[618],"tags":[593],"class_list":["post-5565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-618","tag--ko"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\ubbf8\uad6d \uac74\uac15\ubcf4\ud5d8 \uc885\ub958 \ucd1d\uc815\ub9ac - \uc2a4\uce74\uc774\ub77c\uc778 \ubcf4\ud5d8<\/title>\n<meta name=\"description\" content=\"\uc2a4\uce74\uc774\ub780\uc778 \ubcf4\ud5d8\uc740 \ud601\uc2e0\uc801\uc774\uace0 \uc800\ub834\ud55c \uac74\uac15\ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud574 \uc124\ub9bd \ub41c \ubbf8\uad6d \uac74\uac15\ubcf4\ud5d8 \uc804\ubb38 \ud68c\uc0ac\uc785\ub2c8\ub2e4. \uac74\uac15\ubcf4\ud5d8 \uc9c0\uc2dd\uacfc \uc2e0\ub8b0\ud560 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