自費醫材一定要選最貴的嗎？專家教你精算醫療 CP 值｜生病要錢 EP7

在全民自費時代來臨的當下，走進醫院診間，病患與家屬常面臨一道難題：當醫師列出清單，說明健保與自費醫材的差異時，面對動輒數萬甚至數十萬的價差，究竟該如何抉擇？

臺安醫院心臟內科主任暨心導管室主任林謂文醫師解釋，這就像是「吃飽」與「吃好」的選擇。健保如同政府提供的基本餐點，能確保大眾獲得基礎的醫療照顧；而自費醫材則像是精緻料理，提供了更多元、更先進的治療選項。面對醫療決策，重點不在於最貴，而是在於最適合。

本集重點：
📌健保 vs. 自費：滿足基本需求與追求精準預後
📌解開醫材價差之謎：為什麼各家醫院收費不同？
📌三步驟做好醫療決策，避免臨時天人交戰
📌醫療 CP 值的真諦：建立健康的預後觀點

《生病藥錢》是專為病人與照顧者打造的健康理財 Podcast。結合健康、理財與法律，帶領聽眾拆解生病後會遇到的真實問題，用深入淺出的方式幫助聽眾理解每一個病後選擇的關鍵。

Apple Podcast🔗https://podcasts.apple.com/us/podcast/id1880030312
Spotify🔗https://open.spotify.com/show/1upERRmhA3oM6wEDS12NPf
YouTube🔗https://www.youtube.com/@pills_n_bills
KKBOX🔗https://podcast.kkbox.com/tw/channel/Kru2PqzmMEPTttetQZ
Instagram🔗https://www.instagram.com/pills__n__bills/

Transcript

SPEAKER_01 0:00

So she won't be a can just easy and told idiot hang as her. So it's a good mind some more time pink. You and how she wants to saw Nimake, your shan. Oh cheese little ching out this year. So a batter. Don't see fang pin the sang but bin and no how. Chang like a hoiful. Me or then a pin fat. Just won't so shang yao.

SPEAKER_07 0:56

Tinable ma hell send the tin double. She's on the cool and see when the misses in package. Okay, some tea sooner changes in the movement.

SPEAKER_03 1:19

Human team.

SPEAKER_07 1:26

Pinch Maman, she abandoned how she sent on button pushing. So it's in the face and a team. Some woman is much easy, change up it's on the chinthouse woman, chimpanzee, and so face young soon. Dowdy or maybe some young leadership, you know, your souls puyon chan.

SPEAKER_01 2:16

That's any so obiate young me or neuroman, or outside the hungha, or two niggas neuronomian. Well sending a goutang and neurom, or try to bother or higher. Nah, time and the gym power cheese down. Then the mirror and gang shit Taiwan do food. Nij won't time and sound power, that you book and a meal time. Bow some bow high. So in kind of changing soul, chimba so nari. So I say so I shall be true like a soul hand too like so woman, eating sizing y. Kai Dow, you are you beyond Kai Dow, send to beyond some Dowenchi Oh, Weon Sanco, then do me don't you so I see some how the e always machine, so but nickel does your full fate. Then you out should hall a while, Nicken has near Joseph Nicolon's full faith. She ho Nina shall some hollow seating, why trade equal general beyond so jam my dye? Oh shall you can see uh mo shield sauce go just turbiotion current covered Joseph. Chi Taiwan Chi uhang Dal, I'm the eyao chimpula chang. Shao Sinjanger, Xinaka will sit so. Okay. So Xinjianger pens jo and do Sing Yao Jan Shu and the Io the e uh eat a bull fan or shang chuso, so you're two chi found. So the fellow pins, you're fair at the woods in the chip. We don't care the jelly chi. Not to get cheese again changed on the soul, sought yeah, we like be judging. Now sending twenty. So just honey can points uh champions and judgment eating sent to the champ. Is she rose which foods and uh meal bar Jesus Tonta Idia? Tow young Jesus, again is a how tie. Can I just meal two yellow chitch on a champ? Now you go nicon yell shall the chico. Nikon job pool fan that you get faded. Let's send you a chancy sent it. Now Chi will make a cannon so Jisoo and I took this on epine chim about the jaw and the canon just in channel sent him to Jim. Just how easy face football too low. That's a cheese in the education just take on goma. You need down changes on the cool kind of cob go to the Nakan Nim don't make all the shallow so that's the whole shall we are doing. Oh, you take a young Tashin Fu Chen that's actually San Chi Baushen. So the don't you have Yong Fu Chen. J bean as a gossip. You ain't can see Hanio Hanio Xiao Singh the Jiangsu. Now fasten such in the Chang Pei. Not done as it was a Papa Mama. Can I just in the Yin Sue? Not cheese So nin Chang San Lu Yos Young House. Now can die harm and changes or the cheese. Not cheese. Now do an each and how it didn't, eh? Can I sange younger? Young how the eating booth and not join too. So not take a eat and take a chimp out the eat your sum young the button. Yoswell Buton Na Zang Bay, who's it with a jar and Jesus, some younger e too.

SPEAKER_07 10:40

Not Tang, who the Sitji one quiet, Jimbo. No Tabu eason so easy so don't ha donkani. Now you pin and you nunch one panty wise nunch, tang pin and possess so eating easing. Talets not easy conjugal treating up so on. So the pin and contact and go to each other, pin and guys of pin.

SPEAKER_00 11:23

So not the house is now shy.

SPEAKER_07 11:33

That's a tricky football.

SPEAKER_01 11:55

That's it. So ping then kung fu, transit sea, ping then ping and jazzo. So she won't be and can't easily. So it tells me or so you are mice time ping. So just a so called founding can join. Nothing like some jobs who like junk, so like eat. So, you can see that. So a batter. Don't see fang pin and the shen sang but bin and no haw.

SPEAKER_07 13:42

So easy meal dang food might cheese has to be a high point of machine coat. No, you ain't seen it.

SPEAKER_01 14:19

So tie your joint channel.

SPEAKER_07 14:28

Don't send the even look a can. Congly against the easy and then look a level than the don't lead hard.

SPEAKER_01 14:43

No, two easen time. How do you just change a downslipping con the legal wages and two? Do a channel wage, or the military child, you can each make a east at the Yo Chian. Who should easy and meal button face on the machine? You not can or just chance on Sion take a e time. Now Tia just a channel the button gong. Yeah, I put on the chagger, eating your put on the gong. So you and Sega Toming the Jasu the Haw, who sends a Huanza Ni case can one easen so not sucker your button. That's a Pichahu. Does it want to easily have the still hamato make a eastern easy bark and jungle machine of your quiet? You have twenty eat your bim possess.

SPEAKER_00 17:07

So it say how do you take a tea sou the tango those goals.

SPEAKER_01 17:40

Okay, one easen so need Jashi Tashi. Now Takan Chi and Father Yosmobotong. Now isn't going to out. So the B San Putsu B Shay or Taiwan the East and Pin Push or Jose Hansa also make a eastern cheese with Taiwan the E the Alcan Taiwan the East and the Chi Dos Face somehow. Then the Chi Suha the Eastern Su. J Taiwan the eyes and the man puts. So Jing and K Shenwell. Now you so just as a pin and the strength. So jump in and so long pin and do the strength. That's a colonel mo each sang quite. So die you and have the pinch door. You tell the canal gongs. You tell my whole half bay the hook and whip your chi. Tanhouse, uh Huanza, the eager seat equipped your dwell.

SPEAKER_03 22:00

Yeah.

SPEAKER_01 22:04

So that you ban. I can change that don't see. I want two at the gang jan. That's a doing career you can tell any major chunk. So any putting quite sense, so I need some careers in some. What's a way to sit down in Babasha young does a don't see. Now and do how so I said that junk or just so it fang outside. You can cheat your code down your jail, put in jail. So you isn't gun to shen two rights. So hacking out function. Oh, so it doesn't boy bay dinse b easy one does honey high two or two things.

SPEAKER_00 24:19

So eating about equal justice.

SPEAKER_01 25:31

No do being in the sofa job. So you die and was my so fan. No Liang Dohan do try and make a deep fine does a dial. Oh not took a Liang Thao Chi would comput. Now it's against Hansa Mai. Tongue to Donsi know Jacket Sampa Joyada Chal Tima. You and Dumb Nathan might you and Liang Dama. Can I just eat a tree and dang to jail and just eat ya on your bag and see you and I be my tongue don't see kind of young by goal my coil which I make a bean in the honour, not saying you would not eat young the eager bouts, who see a chance, okay? No, be a chance to tell you. Now cheese to a deal. So it top often I saw the haw. I saw the pen and the eye tattoo ear the one genius. No easy and a single Nicano. Can a young so our general to tie down to San Diego? Okay. That's it. Time is a can or ninjing easen. For me, isn't the giant goal die you and two. So you face on too much in you and cheese. That's an inn doubting you and those and you and your two tang. Mir and sound just to do that me and two and eat two k one cent. So when some nice so you and the east and she said, how do you can change? I wonder I too put in task and do or chin. So how your ho and can eat a macana. Without eating a pool. Yes, it's not eating can say, shall you sang the chugging eating char make a yuan soldier to it? So it has a chuggas who are eating in charge pulling you. Okay. So cheese wasn't fully boots a pen cheese, tuman your cheese or two parts don't see fungal.

SPEAKER_02 28:46

Okay.

SPEAKER_01 28:55

Now you say you and so hot. So let's take a social fee su feel. Cheese just woman she wanted young how it did. In way, Lua Jazz, like targeting the don't she can't find a shin, so any fool of Yakoi children, so any is a tool to easy on the boots. Some in leader seaching. Shall go beha su ni beasu bow yuan. You beacoi. Can any younger don't see why you put so food. Can't say clay bunny house in Nickel do Tangai. Nickel don't see canon sign in your two yuan. Now you saw actually easy and chi superhail carrier or send it. Nick Momo Bani carry sending you some. Nickel don't cheese with a top dollar, can any younger boo ya. Not just in when it's had a judge actually. That's a tea house to sign on in the pinancia. That's a near food semi chuckle.

SPEAKER_07 30:46

Just eating the sword in some hot dogs, so you're going shining to make a jack, the chat.

SPEAKER_01 31:46

Some of them pushing. Oh, I deal on your idea. Uh means on jail with ting the change. Don't iPhone sugar, iPhone C I was my phone suit, I need to iphone suit. Oh, Jin Tian Hunt's a tuck and uh two or gonker. How can I see time? Sens eat outside, put it shinka put in to tight side, tight swan tight side. How can but I see your bee and just see her. So was Shangi Chase A, see her, getting changed or pushing young B. And it should eat Bunok Buscong with Jangha, also my shan't guide a girl. You can also doubt. So eat out the source of mine foods are mem foods are. Not just a bull furniture wine shell. Now just yeah pushes and don't take a chance or ching down jelly chi wait was it one chan tonters manga chang pai. Women say dark. Say ya tang pai go yo quite season jelly chi. Not just a changes on j what's a macum make a jelly one chin to her face on toes. What's the way the outje so digger to j chase young digger? So down to the outside. Now put the outside or maybe shall don't see.

SPEAKER_07 35:16

So Taman uh how chicken shouldn't have so young to pin and do it.

SPEAKER_01 35:33

Isn't a book on chin. Has you go with a bow chango? So what's a bow and try to mind Balsian? So what's it on chem by put on sang about chem by a meeting for Genny Chang? Tiger pool and chi food than that. So easy on chem put on sang about gong curr or two or the sound. What the ching and shik out some. Dagai can do out to cheap software, so make a min song, can make a huan. Chimuton Yao Tigger can food and food and the sweat. K food on doubt to sound. Yao you couldn't see Natureho eas and so Nikai Shenzhen uh cheaters on caveat. So new how the edi out the ching and how edi out the foo need to how pin then you are easy. No, or two and get pool and is a changing channel and cheese woman. So easy chicken in our channel. So it's a mini to a sound. She just puts it down how two and night in so jincibo. Gang hot high or silk shall. Now the option. Was it easy or tank any chance or near some to the cilia function to the don't chic? Nah, deep and sound uh you just uh easy a pool and in silicon, you'll use a campaign too. No one said you in shallow father, yeah, dang sha genial campaign and so ching to switching too. Now the ching one shots will pool fan, nan session. I need Bosch energy food and so gon can my sister food near the song to high eating, just up bearing with so eat out one changing woo changed. Time a tea conta just or can it tell you how the tong she does. You town sang tourism as a go, how should it say? So it's a module gentleman to the ching lightened highly how twenty that you too hunt to the yenjo, like sentences don't see right young chia hump and sufu.

SPEAKER_00 41:43

No, no, you girl my cook yeah.

SPEAKER_07 42:08

Um Jim Peter is finished now. How she's coming up. She mummed some tin woman the chimney woman go be send the case of thing, fine by case of the woman, some look of a good way to call the whole chance of the home inside woman by instagram. Lum humble can be comfortable, or something. Come on, humble, she's a shrimp woman soon meeting home and send some tea.