Ngati inshuwalansi ya umoyo imabwera ndi imodzi kapena zingapo zothandizira, mutha kulipira madola mazana angapo kwa madola zikwi zingapo. Kumvetsa zomwe deductible iyi, momwe zimagwirira ntchito, pamene muyenera kulipira, ndipo pamene simukuyenera kulipira ndi mbali yogwiritsira ntchito inshuwalansi ya umoyo mwanzeru.
Kodi Inshuwalansi ya Umoyo Imakhala Bwanji?
Ductible yanu ndi ndalama zokhazikika zomwe muyenera kulipira chaka chilichonse pa mtengo wa bizinesi yanu yaumoyo musanayambe inshuwalansi ya umoyo wanu ndikuyamba kulipira (ngati mwalembetsa ku Medicare, gawo la deductible ndilopindulitsa osati chaka cha kalendala ).
Momwe Ntchito Deductible-Chitsanzo
Tiyerekeze kuti inshuwalansi ya umoyo imapempha ndalama zokwana $ 1000 pachaka, ndipo zonse zopanda chithandizo zimawerengedwa ku deductible.
- Mu January, mumalandira bronchitis.
- Malipiro onse = $ 200. (Dokotala, mankhwala.)
- Mukulipira $ 200.
- Inshuwalansi ya umoyo wanu imalipira $ 0.
- $ 200 akuyamikiridwa ku deductible yanu.
- $ 800 otsala asanapereke deductible akukumana.
- Mu April, mumapeza mkaka wanu. Chifuwacho chimatuluka kuti chikhale choipa; ndinu wathanzi.
- Malipiro onse = $ 4,000. (Madokotala, mayesero, biopsy.)
- Mukulipira $ 800. (Tsopano mwakumana ndi $ 1000 yanu deductible.)
- Mukulipira mapepala kapena ndalama zothandizira zaumoyo wanu.
- Inshuwalansi yanu ya umoyo imalipira ndalama zonse.
- Mu September, mumaphwanya mkono wanu.
- Misonkho yonse = $ 2,500. (Chipinda chodziwika, dokotala, X-ray, kuponyedwa.)
- Mumalipira ngongole ndi ndalama zothandizira, koma palibe deductible.
- Inshuwalansi ya umoyo imalipira ngongole yonse kupatula ndalama zomwe mumalipiritsa komanso ndalama zothandizira.
- Kenako January, mudzayambiranso ntchitoyi.
Muzinthu zambiri zaumoyo, pamene mwakhala mukulipiritsa deductible kwa chaka, mwathera ndi deductible malipiro mpaka chaka chamawa. Chaka chilichonse, ndondomeko ya thanzi imapereka ndalama zatsopano. Nthawi zina zimakhala zofanana ndi chaka chimodzi; nthawi zina zimakwera.
Mitundu Yambiri ya Deductible
Mapulani ena azaumoyo ali ndi mitundu yambiri ya deductible.
- Chaka chilichonse Deductible
Ili ndilo mtundu wofala kwambiri wa deductible ndipo ndizofotokozedwa mu chitsanzo chapamwamba.
- Pakati pa Pulogalamu Yotayidwa
Mosiyana ndi zomwe zimaperekedwa chaka ndi chaka, chiwonongeko chachitika nthawi iliyonse mukalandira mtundu winawake wa utumiki. Mwachitsanzo, inshuwalansi ya umoyo ingafune ndalama zokwana madola 1,000 pokhapokha mutakhala m'chipatala (mapulani ena adzatchulidwa ngati copay mmalo mwake, koma kukula kwa mlandu kumatanthauza kuti kuchokera kwa wogula, akufanana ndi deductible). Zochitika zapadera zomwe sizingakhale zachilendo kusiyana ndi zapadera zapachaka, ngakhale monga tawonera pamwambapa, Medicare Part A ikuyesa kuchotsa phindu chifukwa cha nthawi yopindula osati zaka kalendala.
- Kutuluka Kwadothi Kutha
Zolinga zina zaumoyo, PPOs makamaka, zimakhala ndi chaka chimodzi chokha chimene chikuperekedwa kwa chisamaliro chomwe mumalandira kuchokera kwa madokotala a mu-network ndi apamwamba a pachaka omwe mumalandira omwe mumalandira kuchokera kwa anthu ogulitsa kunja .
Mwachitsanzo, ngati ndondomeko ya thanzi lanu ili ndi ndalama zokwana madola 1,000 mu-network ndipo ndalama zokwana madola 2,000 zapathengo zimachotsedwa, ndondomeko yanu yaumoyo idzayamba kubwezeretsa chithandizo chaumoyo wanu mu-network mutatha kulipira madola 1,000 payekha . Ngati inu mutayamba kuyang'ana katswiri wopezeka kunja, muyenera kulipira madola 2,000 kuti musamalire chithandizo chomwecho musanayambe kukonza chithandizo chamankhwala.
M $ 1,000 omwe mwalipira kale monga deductible mu-network sawerengera kwa wanu ex-of-network deductible.
Muzinthu zina zaumoyo, ndalama iliyonse yomwe mumalipirako yanu ya deductible deductible iyeneranso kuti mu-network yanu deductible. Muzinthu zina zaumoyo, zigawo ziwirizi zimasiyanitsa kwathunthu (onetsetsani kuti mapulani ena samangopereka chisamaliro chonse pa intaneti, zomwe zikutanthawuza kuti mutha kukhala ndi udindo pa bili yonse - popanda chikhomo kunja kwa -pomveka milandu-pokhapokha ngati pali vuto linalake).
- Banja Lotsalira
Ngati inshuwalansi ya umoyo wanu imakhudza banja lanu lonse, zikhoza kubwera ndi banja lochotsedwa.
Banja loperewera limagwira ntchito mosiyana kusiyana ndi munthu aliyense wogwira ntchitoyo ndipo amabwera mosiyanasiyana monga deductible yophatikizidwa ndi ndalama zambiri zoperekedwa . Phunzirani zambiri mu " Momwe Banja Lanu Linasinthira Ntchito ." Dziwani kuti Wopereka Chithandizo Chamtengo Wapatali amafuna kuti zithandizo zaumoyo zichepetse ndalama zomwe munthu angagwiritse ntchito payekha, ngakhale ngati munthuyo ali ndi ndondomeko ya banja yomwe imachotsedwa m'banja.
Kwa 2017, malire apamwamba ndi madola 7,150 mu mtengo wapadera wa munthu mmodzi, kuphatikizapo deductible, copays, ndi coinsurance. Kwa 2018, padzakhala madola 7,350. Ndalama imene munthu mmodzi angayesedwe kulipira ingakhale yaikulu kuposa ndalamazo, koma palibe.
Kodi Simukulipira Kodi Deductible?
Ku United States, chifukwa cha Affordable Care Act , simukuyenera kulipira deductible mukalandira chithandizo chachithandizo kuchokera kwa a-network network dokotala. Zinthu monga momwe mungayang'anire mammogram chaka ndi chaka, colonoscopy mumapeza pamene mutembenuka zaka 50, ndipo chaka chilichonse chimfine sichikugonjetsedwa. Ndondomeko yanu yaumoyo idzaperekera ntchito zothandizira izi ngakhale simunakumanepo ndi deductible wanu pano.
Zolinga zina zaumoyo, makamaka ma HMO ena, sizikusowa kuti mukhale deductible konse. Komabe, ndondomekozi zimapereka ndalama zothandizira zinthu monga dokotala, maulendo, maulendo obwera mwadzidzidzi, ndi zipatala.
Kodi Sitiyang'ane Ku Deductible?
Ndalama zothandizira zaumoyo zomwe sizinapindule ndi ndondomeko yanu yaumoyo sizikuwerengera za inshuwalansi yanu deductible ngakhale mudalipira. Mwachitsanzo, ngati inshuwalansi ya umoyo sichikuphimba nsapato za orthotic, ndiye $ 400 yomwe munapereka kwa mapepala ovomerezedwa ndi dokotala wanu sakuwerengera za deductible yanu. Mofananamo, ngati ndondomeko yaumoyo yanu sichikutseketsa chisamaliro chatsopano, ndalama iliyonse yomwe mumalipira chifukwa cha chisamaliro cha pa Intaneti sichiwerengedwa kwa ndalama zanu.
Ngati inshuwalansi ya umoyo wanu ikufuna kuti muwononge ndalama zowonongeka, komanso ndalama zomwe mumapereka pachaka, ndalama zomwe mumapereka pa nthawi yomwe mukuperekera ndalama zingakhale zosawerengeka kuti muwononge ndalama zanu pachaka.
Ngati muli ndi deductibles zosiyana kuti mu-network chisamaliro ndi kunja-network-chisamaliro, ndalama zomwe mwalipira kale wanu-network deductible sichiwerengera wanu kunja-of-network deductible. Malingana ndi malamulo anu a ndondomeko yaumoyo, ndalama zomwe mwakhala mukuzipereka kwa pulogalamu yanu yosagwiritsidwa ntchito pakhomo sizingathe kuwonetsa ndalama zanu zowonongeka.
Muzinthu zambiri zaumoyo, zolipilira siziwerengera za ndalama zanu pachaka, ngakhale kuti zikuwerengera ndalama zanu zonse zomwe mumakhala nazo pachaka. Phunzirani zambiri mu "Kodi Mapepala Owerengera Kulipira Inshuwalansi Yanu? "
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Chitetezo cha odwala komanso chithandizo chamankhwala chamtengo wapatali; 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.
> Medicare.gov. Glossary. Pindulani Panthawi.
Medicare.gov. Medicare 2016 ndi 2017 amawonetsa pang'onopang'ono.