Chomwe chimatsimikiziranso ndalama zanu ndi zomwe Average American Country
Zambiri zaposachedwapa zokhudzana ndi kusintha kwa thanzi ku US zakhudzana ndi mtengo wa inshuwalansi ya umoyo, zomwe sizingakwanitse kwa Ambiri ambiri.
Komabe, Chitetezo cha Patient ndi Affordable Care Act chinasinthidwa kukhala chigamulo pa March 23, 2010, makamaka chimachezera kupeza chithandizo cha inshuwalansi ya umoyo ndipo zimatsimikizira kuti anthu onse a ku America amene akufunikira kuunikira adzatha kupeza inshuwalansi ya thanzi.
Sichidziwikiratu momwe malamulowa adzakhudzire mtengo wa inshuwalansi ya umoyo, makamaka ndalama zowonjezera komanso ndalama zogulitsa. N'kutheka kuti ndalamazo zidzapitirira kuwonjezeka m'tsogolomu.
Kodi inshuwalansi yochuluka bwanji yaumoyo idzakupangitsani inu kudalira zaka zanu, matenda anu (momwe mulili odwala kapena opanda thanzi), komwe mukukhala, ndalama zanu, ndi ntchito yanu.
Pali njira zambiri zomwe mungapezere inshuwalansi ya umoyo, ndipo izi zingathe kudziwa momwe mungaperekere. Izi zikuphatikizapo:
Inshuwalansi ya umoyo yoperekedwa ndi abwana. Makampani akuluakulu komanso akuluakulu ku US amapereka inshuwaransi yaumoyo monga antchito amapindula. Ambiri ku America omwe ali ndi inshuwalansi ya umoyo amachokera ku kampani yomwe amagwira ntchito.
Inshuwaransi yaumoyo imene mumagula nokha. Ngati muli wodzigwira ntchito kapena mukugwira ntchito kwa kampani yaing'ono yomwe sakupatsani inshuwalansi ya umoyo, muyenera kugula inshuwalansi.
Inshuwalansi ya umoyo yoperekedwa ndi boma. Ngati muli ndi zaka 65 kapena kupitirira, olumala, kapena muli ndi ndalama zochepa kapena zopanda phindu, mukhoza kukhala ndi inshuwalansi ya umoyo yomwe boma limapereka, monga Medicare ndi Medicaid.
Kodi Ndalama za Inshuwalansi Zaumoyo Zimaphatikizapo Chiyani?
Pali zinthu zambiri zomwe zimatsimikizira kuchuluka kwa inshuwaransi ya moyo wanu.
Zikondwerero
Chiwongoladzanja ndi malipiro a mwezi uliwonse omwe amaperekedwa kwa kampani ya inshuwalansi kapena ndondomeko yaumoyo kuti athe kupereka chithandizo chamankhwala, kuphatikizapo kupereka malipiro okhudzana ndi thanzi monga madokotala, maulendo, ndi mankhwala.
Ngati muli ndi inshuwalansi yokhudzana ndi ntchito, abwana anu amalipira malipiro a mwezi uliwonse. Mwinamwake, kampani yanu idzafuna kuti mulipirire gawo lina la mwezi uliwonse, lomwe lidzatengedwa kuchokera ku malipiro anu. Ngati muli wodzigwira kapena kugula inshuwalansi ya umoyo wanu , mumalipiritsa mwezi uliwonse.
Kaya mumapeza inshuwaransi yaumishonale kuntchito kapena kugula inshuwalansi yanu, ndalama zanu zikhoza kukhala zazikulu kapena zochepa malinga ndi mtundu wa inshuwalansi yomwe mumasankha. Ndondomeko zomwe zimakhala ndi ndalama zowonjezera (zomwe zimadulidwa, ndalama zothandizira ndalama, komanso ndalama zowonjezera) nthawi zambiri zimakhala ndi malipiro apansi ndi ndondomeko zokhala ndi ndalama zochepa zomwe zimakhala zochepa kwambiri. Komanso, ndondomeko yaumoyo (monga HMO ) yomwe imakufuna kuti mugwiritse ntchito magulu a madokotala ndi zipatala nthawi zambiri imakhala yochepa. Mudzabwezereranso inshuwalansi ya umoyo yomwe imakhudza abale anu.
Ngati mumagula inshuwalansi yaumwini (kapena achibale ena), ndalama zanu zowonjezereka zidzakhala zapamwamba ngati ndinu okalamba, ngati muli pantchito yowopsa (monga wophunzitsa ndege), kapena muli ndi matenda aakulu (monga mtundu wa shuga 2 kapena kuthamanga kwa magazi)
Ndalama Zowonongeka
Mukulipirira ndalama zomwe mumapereka pazinthu zokhudzana ndi thanzi lanu kuposa pamwezi wanu. Malinga ndi ndondomeko yanu yaumoyo, ndalamazi zimaphatikiziranso kuchotsera, inshuwalansi, komanso mapepala a ndalama kuti mupite kukaonana ndi madokotala ndi mankhwala osokoneza bongo.
Deductible : Ducuctible ndi ndalama zomwe mumayenera kulipira chaka chilichonse kuti mupeze ndalama zokhudzana ndi thanzi lanu lisanayambe kulipira inshuwalansi. Zowonongeka ndizofala ku PPOs zothandizira zaumoyo zomwe zimalandira kunja kwa intaneti ya PPO. Ngati muli ndi Medicare, mumayenera kulipiritsa ndalama zothandizira zachipatala ndikupatsanso mankhwala ochepetsa mankhwala a Medicare Part D.
Coinsurance : Inshuwalansi ina ya umoyo imadalira kuti mulipirire peresenti ya mtengo wa ntchito zokhudzana ndi thanzi labwino mutatha kukwaniritsa ndalama zanu za pachaka. Izi zimadziwika kuti coinsurance komanso nthawi zambiri ndi pafupifupi 20% zomwe dongosolo lanu labwino likuvomereza.
Mwachitsanzo, Bambo Jones ali ndi ndondomeko ya thanzi la banja ndi $ 500 pachaka komanso ndalama 20%. Mu February, mkazi wake ndi ana awiri anafufuza. Bambo Jones analipira dokotala pazinthu izi, zomwe zinagula madola 510. Mu March, mmodzi mwa anawo adadwala ndipo mtengo wa ulendo wa ofesi inali $ 50. Kuchokera pamene chaka chotsitsika chinaperekedwa, ndondomeko ya zaumoyo inapereka dokotala $ 40 (80%) ndipo Bambo Jones adalipira dokotala $ 10 (20%).
Kukhomeredwa : Kulipira ngongole ndi malipiro apamwamba, kapena ndalama zomwe mumayenera kulipira pa ntchito yokhudzana ndi thanzi. Mipukutu imakhala yowonongeka pazinthu zosamalidwa zosamalidwa (monga HMOs ndi PPOs) komanso mu mapulani a mankhwala monga Medicare Part D.
Mwachitsanzo, ndalama zomwe zimaperekedwa ndi ndalama zokwana madola 20 kuti adziwe dokotala, $ 50 kuti apite ku chipinda chodzidzimutsa, ndi $ 10 mpaka $ 40 pa mankhwala a mankhwala (malinga ndi mankhwala anu omwe ali mankhwala osokoneza bongo kapena mankhwala ).
Kodi Average America Amalipira Inshuwalansi Zaumoyo?
Ili ndi funso lovuta kuyankha. Anthu oposa 85 miliyoni a ku America amapeza inshuwalansi ya umoyo kudzera mu boma, kuphatikizapo Medicare, Medicaid, zopindulitsa zakale, ndi asilikali (onse ogwira ntchito ndi othawa kwawo). Pakali pano, anthu oposa 45 miliyoni a ku America alibe inshuwalansi ya thanzi.
Ambiri Achimerika omwe ali ndi inshuwalansi ya umoyo amachokera kwa abwana awo ndipo Amerika oposa 26.5 miliyoni amadzazidwa ndi mapulani omwe adagulidwa mwachindunji ku kampani ya inshuwalansi.
Mu lipoti (Individual Health Inshuwalansi 2009: Kafukufuku Wowonjezereka wa Zopereka Zowonjezera, Kupezeka, ndi Mapindu) omwe anawonetsedwa mu October 2009, America's Health Plans Plans (gulu la amalonda lomwe likuimira mapulani azaumoyo) linapereka mfundo zina zomwe zimapereka chitsimikizo cha inshuwalansi ya umoyo Ndondomeko zimagula pogulidwa ndi munthu.
- Pafupipafupi, msonkho wapachaka unali $ 2,985 kwa munthu mmodzi yekha ndi $ 6,328 pa banja.
- Payimenti ya pachaka inasiyanasiyana kuchokera ku boma kupita ku boma. Mwachitsanzo, phindu la dongosolo la thanzi la banja ku New York linali $ 13,296, pomwe dongosolo lomwelo ku Iowa linali $ 5609.
- Ndalama za pachaka zothandizira zaumoyo zinalinso zosiyana malinga ndi kuti ndalama zapadera zapakati pa chaka ndizochepa kapena zochepa. Mwachitsanzo, banja limapanga ndalama zokwana $ 12686 pachaka, pomwe ndondomeko zokhala ndi madola 10,000 zokhala ndi ndalama zokwana $ 5380 chaka chilichonse.