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홈 > Life Info > 보험 전문가 칼럼 > 진철희 보험 칼럼

charliechin

진철희 보험 칼럼

의료비 지출 절감방법

작성자: 진철희

조회: 6485 등록일: 2019-01-23

<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>첫째<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>, <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>네트워크 밖으로 나가지 말아야 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>한다.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> HMO <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>플랜이라면 주치의를 통해서 메디컬
그룹 내의 전문의나 병원을 이용하게 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>되지만 <span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>PPO <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>플랜<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>의 경우에는 아무런 제약 없이 원하는 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>의사<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>나 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>병원을 선택할 수 있다<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>는 부정확한 상식 탓에 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>보험<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>플랜<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>의 네트워크
밖에 있는 의사나 병원을 이용<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>할 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>가능성이<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>높<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>은 편이다.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>그 경우 보험 혜택<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>은 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>대폭 줄어들면서 본인 부담액이 높아<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>지므로 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>반드시<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>보험<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>플랜의
네트워크 안에 있는 <span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>‘<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>인네트워크<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>’<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>의사 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>및 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>병원인지<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>를<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> 확인하고 이용해야 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>한다.

<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>첫째<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>, <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>일반<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>약을 선택<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>한다.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> 1997<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>년 식약청이 소비자 대상의 약품
광고를 허용한 이래 미국인들은 수백<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>, <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>수천만 달러를 들인 유명 브랜드 신약 광고들의 무차별 폭격을 받고 있<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>다.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>하지만 권위<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>있는
소비자보호단체들<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>의 발표에 따르면 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>통상
제네릭이라 부르는 일반<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>약도 브랜드 약과 동일한 효력을 보인다<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>참고로 신규 개발된 브랜드 약은<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> 20<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>년 동안 특허<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>보호를 받다가 제네릭 약<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>, <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>즉 일반<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>약이 되어 시판<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>된다.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>비용 자체가 훨씬 저렴할 뿐 아니라
건강보험을 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>통해 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>지불하는
코페이도<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>더 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>저렴<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>하다.<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>물론 특정 질병에 대해 새로 개발된 약이라<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>일반<span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'> <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>약이 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>아직 <span lang="ZH-CN" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial;'>없다면 어쩔 <span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>수 없다.

<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Arial; mso-fareast-language: KO;'>이와 같이 보험이 있어도 추가로 비용을 절감할 요령이
많이 있다. 안 내도 될 비용을 내지 않도록 안내하고 지원해줄 경험 많은 에이전트의 활용이 바람직하다.

<span style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Tahoma; mso-fareast-language: KO;'>▶문의:(213)387-5000

<span lang="EN-US" style='line-height: 200%; font-family: "맑은 고딕"; font-size: 11pt; mso-ascii-theme-font: minor-fareast; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-fareast; mso-bidi-font-family: Tahoma; mso-fareast-language: KO;'>calkor@calkor.com

<img src="/wysiwyg/PEG/W_1542145186.jpg"> 진철희 (CHARLIE  CHIN) -Founder and CEO of  캘코보험-미주보험협회 회장-미주보험협회 이사장-미주 중앙일보 컬럼니스트-HANMI  TV 전문가코너 생방송 진행-재미 중소기업협회 회장-평화통일자문회의 LA협의회 간사 웹사이트: <a href="http://www.calkor.com">www.calkor.com</a> Tel: 213-387-5000이메일: <a href="mailto:charlie@calkor.com">charlie@calkor.com</a> [ⓒ LA<a>코리아</a> <a></a><a></a><a></a><a></a><a></a><a></a><a></a><a>(</a><a href="http://www.lakorea.net">www.lakorea.net</a> ), 무단 전재 및 재배포 금지]

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