Ngati muli watsopano inshuwalansi yaumphawi , kumvetsetsa kuchuluka kwa ndalama zomwe mumayenera kulipira pa mtengo wa ndalama zothandizira, ngati mukuyenera kulipira, komanso momwe tabu lanuli lidzakhudzidwire zingakhale zosokoneza.
Inshuwalansi ya zaumoyo zoperekedwa ndi mapepala amagawo ndi mitundu yonse ya kugawana mtengo , zomwe zikutanthauza momwe makampani a inshuwalansi zaumoyo amagawaniza mtengo wa chisamaliro chanu ndi inu.
Kotero, kusiyana kotani pakati pa deductible ndi ndalama? Zimasiyanasiyana mukayenera kulipira, zomwe mumayenera kulipira, ndi zomwe zatsalira pa dongosolo lanu labwino.
Kodi Health Insurance Deductible ndi chiyani?
Ndalama yamtengo wapatali ndiyo ndalama zomwe mumalipira chaka chilichonse musanayambe inshuwalansi ya umoyo wanu. Mukatha kulipira ndalama zanu, ndondomeko yanu yathanzi imayamba kutenga gawo lanu la ndalama zothandizira. Apa ndi momwe zimagwirira ntchito.
Tiyerekeze kuti ndondomeko yanu ili ndi ndalama zokwana madola 2,000, ndipo amawerengera zonse zopanda chithandizo kuti zitheke kufikira zitakwaniritsidwa. Mukupeza chimfine mu Januwale ndikuwona dokotala wanu. Bill ya madola ndi $ 200 (mutatha kukambirana kwanu zachithandizo). Inu muli ndi udindo pa bili yonse popeza simunalipire ndalama zanu chaka chino. Pambuyo pa kulipira ndalama zokwana madola 200 a dokotala, muli ndi $ 1,800 zokha kuti mupite pa deductible yanu pachaka.
Mu March, iwe umagwa ndi kuswa mkono wako. Ndalamayi potsatira ndondomeko yanu yaumoyo ndi $ 3,000.
Mukulipira madola 1,800 a ndalamazo musanakumane ndi $ 2,000 pachaka yanu. Tsopano, inshuwaransi yanu ya umoyo imakwera ndipo imakuthandizani kulipira ndalama zonse.
Mu April, mumachotsa kuchotsedwa kwanu. Ndalamayi ndi $ 500. Popeza mwakhala mukukumana ndi deductible kwa chaka, simusowa kulipiranso kwa deductible yanu.
Inshuwaransi yanu ya umoyo imapereka gawo lonse lathupilipili.
Komabe, izi sizikutanthawuza kuti inshuwalansi ya umoyo ikhoza kubweza ngongole yonse ndipo simudzalipira kalikonse. Ngakhale kuti mwathera kulipira ndalama zanu pachaka, mutha kulipira ngongole kapena ndalama zothandizira , mpaka mutakwaniritsa ndalama zowonjezera zanu za chaka.
Pansi pa ACA, mu 2018, ndondomeko zonse zomwe sizinali zazikulu, zomwe sizinagwiritsidwe ntchito zazikuluzikulu zimayenera kutaya ndalama zokwana madola 7,350 kwa munthu mmodzi yekha ndi $ 14,700 kwa banja. Mapulani ambiri a zaumoyo amalemba ndalama zomwe zili kunja kwa malire, koma sangathe kuziposa.
Mpaka kunja kwa mthumba imagwira ntchito zonse zothandizira pa intaneti zomwe zimaonedwa kuti ndizofunikira phindu la thanzi . Zimaphatikizapo ndalama zomwe amalembetsa ndalama zowonjezera, ndalama, komanso ndalama zothandizira ndalama; pokhapokha ndalama zomwe zagwirizanitsidwazo zikufika pampando wapamwamba, palibe amene ayenera kulipiritsa china chilichonse chaka chonse (mwa-intaneti, chisamaliro chofunikira cha mankhwala chomwe chimaonedwa ngati chofunika kwambiri cha thanzi), mosasamala kanthu izo zikanadakhala zofunikira kuti copay kapena ndalama zothandizira.
Kodi Insurance Insurance Copayment ndi chiyani?
Kulipira ngongole ndi ndalama zomwe mumalipira nthawi iliyonse mukalandira mtundu wina wa chithandizo chaumoyo.
Apa ndi momwe zimagwirira ntchito.
Tiyerekeze kuti inshuwalansi ya umoyo imapempha ndalama zokwana madola 30 pokhapokha mukawona dokotala wanu wamkulu , $ 50 panthawi iliyonse mukawona dokotala wazatswiri, ndi $ 20 nthawi iliyonse mukamadzaza mankhwalawa.
Ngati muwona PCP yanu pa Meyi 1, mumalipira dokotala $ 30 tsiku limenelo. Ndondomeko yanu yaumoyo imatenga chikalata chonse cha ulendowu. Mukamabwerera ku PCP yanu pa May 5, muyenera kulipira ngongole ina ya $ 30. Ndondomeko yanu ya thanzi imalipira ndalama zonsezi.
PCP yanu imakutumizani kwa katswiri. Mukawona katswiri pa May 12, mumalipira ndalama zokwana $ 50 kwa katswiri. Inshuwaransi yanu ya umoyo imalipira ngongole yotsala ya katswiri.
Ndalama yomwe mumalipira mumalipiliyoni ambiri sakhala okhudzana ndi kukwaniritsa ndalama zanu, koma zimakhala zowerengera ndalama zomwe mumakhala nazo chaka chonse (chifukwa cha Obamacare, chiwerengero chanu chokwanira chaka chilichonse chimatengedwa ). Choncho ngati muli ndi ndalama zokwana $ 2,000 pokhapokha pazolemba zosiyanasiyana kuti muone dokotala wanu wamkulu kapena katswiri kapena muli ndi mankhwala odzazidwa, muyenera kukumana ndi mankhwala anu osiyana ndi omwe ali ndi ma copays.
Kodi Zomwezo Ndi Ziti?
Ndalama zomwe zimaperekedwa ndi ndalama zomwe zimagwiritsidwa ntchito ndi ndalama zonsezi zimakhala zochepa, kutanthauza kuti sizikusintha malinga ndi kuchuluka kwa ndalama zothandizira. Izi ndi zosiyana ndi mtundu wina wa kugawana mtengo, ndalama zothandizira, zomwe mumalipira kuchuluka kwa ndalamazo osati ndalama zokwanira.
Inu mukudziwa pamene mulembela inshuwalansi zaumoyo momwe ndalama zanu za deductible zidzakhalire chaka chimenecho; izo sizikusintha malinga ndi mtundu wanji wa mautumiki omwe mumapeza kapena momwe ndalamazo ziliri mtengo. Ngati muli ndi $ 1,000 deductible, mudzalipira $ 1,000 deductible kaya hospitali wanu ndalama $ 2,000 kapena $ 200,000. Koma mapulani ena ali ndi deductible osiyana omwe amagwiritsidwa ntchito mankhwala mankhwala, kuphatikizapo deductible kwa zina zamankhwala. Ndipo Medicare Part A ili ndi deductible yomwe ikugwiritsidwa ntchito phindu kupatula chaka cha kalendala. Koma ndiyiyi yokonzedweratu, yowonjezera ndalama zomwe zimagwiritsidwa ntchito mosasamala kuti ndalama zothandizira ndizofunika bwanji.
Mukudziwanso pamene mukulembera inshuwalansi za umoyo wanu zomwe ziwongolero zanu zapakhomo zimakhala, chifukwa ndi ndalama zokwanira. Mukawona katswiri, ngati dongosolo lanu la thanzi likufuna $ 50 copay pakuwona katswiri, mulipira $ 50 ngati bilo ya katswiri ndi $ 100 kapena $ 1000 (malinga ngati katswiri ali mu intaneti, ndipo mukukwaniritsa njira iliyonse yovomerezeka kapena zofunikirako zomwe dongosolo lanu labwino liri nalo).
Ndalama za ndalama ndi zochotseramo ndalama zimakhalanso zofanana ndi, chifukwa cha Affordable Care Act , ku United States zina zothandizira chithandizo chamankhwala sichikulipira mapepala kapena mapulani anu a zachuma (pokhapokha mutakhala ndi mapulani). Ngati muwona dokotala akuyendera chithandizo chamankhwala chodziletsa, ngakhale simunalipire malipiro anu pachaka, simungathe kulipira kalikonse kowonjezera kwanu. Simungathe kulipira ngongole paulendo umenewo, mwina (zindikirani kuti mautumiki ena omwe angaperekedwe paulendo wachinsinsi sungakwaniridwe mokwanira, popeza mphamvu zothandizira zowononga zimangotenga zowonongeka zowonongeka. Fufuzani ndi inshuwalansi musanayambe kukonzekera kusamala kuti muthe kumvetsa zomwe zaphimbidwa ndi zomwe siziri).
Kodi Ndi Zosiyana Ziti?
Ndalamayi imakhala ndalama zomwe muyenera kulipira komanso nthawi zambiri muyenera kulipira. Zowonongeka kawirikawiri zimakhala zazikulu kuposa ndalama, koma mumangowalipira kamodzi pachaka (kupatula ngati muli pa Medicare , panthawi yomwe ndalamazo zimagwiritsidwa ntchito pa nthawi iliyonse yopindula m'malo mosunga chaka cha kalendala). Mukangomaliza kudula ndalama zanu pachaka, simukuyenera kulipira mpaka chaka chotsatira.
Koma zolipidwa zikupitirira. Mukupitiriza kulipira ngongole nthawi iliyonse mukalandira chithandizo chaumoyo chomwe chimafuna iwo ziribe kanthu kuchuluka kwa ndalama zomwe munalipira chaka. Njira yokha yomwe muyimira chifukwa cholipirako ndalama ngati mutakwanitsa kukwaniritsa mapulani anu a zaumoyo kwa chaka. Kufikira pamtunda wapamwamba sikozolowereka kwa anthu ambiri, ndipo kumachitika kokha pamene mwakhala ndi ndalama zogulira zakuthupi chaka chomwecho.
Momwe Amagwirira Ntchito Pamodzi
Phunzirani momwe deductible ndi copay yanu ikugwirizanirana mu " Kodi Copays Count ku Inshuwalansi Yanu ya Inshuwalansi Deductible? " Ndi " Kodi Kulimbana ndi Inshuwalansi Yanu ya Umoyo Deductible? "
> Zotsatira:
> Federal Register, Dipatimenti ya Zaumoyo ndi Zopereka zaumunthu. Chitetezo cha Odwala ndi Zopanda Thandizo Labwino; Chidziwitso cha HHS cha Kupindula ndi Kulipira Malipiro a 2018; Kusinthidwa kwa Nthawi Zowonjezera Zapadera ndi Ogulitsa Ogwira Ntchito ndi Okhazikitsa Mapulani Pulogalamu. December 22, 2016.