Inshuwalansi yaumoyo

Zambiri za Health Insurance Plans

Mwayi wake, muli inshuwalansi ya umoyo - pafupifupi 11 peresenti ya Achimereka sakulimbikitsidwa. Koma ngati simunayambe kugwiritsa ntchito inshuwalansi ya mankhwala a chithandizo chamankhwala, mwina simunapereke chidwi kwambiri pazomwe mukuwerenga. Ndipo ngati mumayenera kugula zokhazokha kapena kusankha pakati pazinthu zingapo zomwe mungapatse abwana anu, mwina munapeza kuti zosankhazo n'zovuta kapena zosokoneza.

Mosasamala kanthu komwe inu mumapeza inshuwalansi ya umoyo wanu, nkofunikira kumvetsa mawu omwe amagwiritsidwa ntchito pofotokoza ndondomeko ndi kufotokozera ndi kuyerekezera mapulani. Kudziwa momwe dongosolo lanu limagwirira ntchito-musanayambe kuligwiritsa ntchito-ndikofunikira; simukufuna kufotokoza mwatsatanetsatane momwe mukufotokozera pamene mukukhala m'chipinda cha chipatala.

Kodi Mungapeze Kuti Thandizo?

Pafupi theka la Achimereka amatenga inshuwalansi ya umoyo kwa abwana.

• Kodi Inu ndi Wokondedwa Wanu Mukuyenera Kusiyana Mapulani a Inshuwalansi Zaumoyo?

• Pamene Inshuwalansi ya Umoyo Imakana Kuphimba PAM

Pafupifupi gawo limodzi mwa magawo atatu a anthu a ku United States ali ndi chithandizo pansi pa Medicaid kapena Medicare ndipo pafupifupi magawo asanu ndi limodzi aliwonse ali ndi malonda omwe amagulidwa pamsika pawokha-kuphatikizapo kusinthanitsa ndi kusinthanitsa mapulani.

Thandizo posankha ndondomeko, kulembetsa, ndikugwiritsa ntchito chithandizo chanu nthawi zonse, mosasamala kumene mukupeza. Ngati bwana wanu akupereka inshuwalansi yothandizira, musachite manyazi kufunsa mafunso. Ngati pali dipatimenti yothandiza anthu ku kampani yanu, kukuthandizani kumvetsa mapindu anu ndi gawo la ntchito yawo.

Ngati mumagwira ntchito kwa abwana ang'onoang'ono omwe alibe gulu lodzipereka la anthu, akhoza kukutsogolerani kuzinthu zomwe zingakuthandizeni, kuphatikizapo inshuwalansi yathanzi, wogulitsa broker amene anathandiza abwana kusankha chisankho, inshuwalansi ya thanzi laling'ono kusinthanitsa, kapena kampani ina ya malipiro / mapindu omwe abwana amagwiritsa ntchito.

Nthawi iliyonse pamene mukuwunikira phindu kapena deta yanu, funsani mwatsatanetsatane kuti mudziwe kuti zolondolazo ndi zolondola.

Pankhani yogula inshuwalansi ya umoyo wanu, ogulitsa akupezeka kuti akuthandizeni pa intaneti, pa foni, kapena mwa-munthu ndipo palibe malipiro a mautumiki awo. Mabanki angakuthandizeni kufanizitsa mapulani onse ndi kuchotsa kusinthanitsa . Ngati mukudziwa kuti mukufuna kugwiritsa ntchito inshuwalansi ya umoyo, pali oyendetsa ndi alangizi ovomerezeka omwe akupezeka kuti akuthandizeni kulembetsa. Kuti mupeze zosinthika mdziko lanu, mukhoza kuyamba pa Healthcare.gov ndipo sankhani dziko lanu. Ngati muli mu boma lomwe liri ndi zotsatila zake, mudzatumizidwa ku webusaitiyi.

Pulogalamu ya Inshuwalansi ya Zaumoyo kapena Ana (CHIP), bungwe lanu la boma lingakuthandizeni kumvetsetsa madalitso omwe muli nawo, ngati mukuyenera, ndikuthandizani ndi njira yolembera. Mungathe kulembetsanso ku Medicaid kapena CHIP kudzera mu inshuwalansi ya umoyo kudziko lililonse.

Ngati muli oyenerera ku Medicare, mungagwiritse ntchito State Health Insurance Assistance Program monga chithandizo.

Palinso amalonda padziko lonse omwe amathandiza opindula kuti alowe muzinthu za Medicare Advantage kapena zofalitsa zowonjezeredwa za Original Medicare.

Zosankha, Zosankha, Zosankha

Nthawi zina, zosankha zanu zingakhale zochepa, ngati abwana anu amapereka dongosolo limodzi. Koma anthu ambiri ali ndi zosankha zingapo posankha inshuwalansi yawo ya umoyo. Bwana wanu angapereke mapulani osiyanasiyana omwe ali ndi magawo osiyanasiyana okhudzidwa ndi malipiro a mwezi uliwonse. Ngati mumagula inshuwalansi ya umoyo wanu, mungasankhe kuchokera pa mapulani omwe ali nawo pamsika wanu (payekha kapena kusinthanitsa, ngakhale ndalama zothandizira ndalama zowonjezera zimapezeka pokhapokha).

Ngati ndinu woyenera kulembetsa Medicare, mutha kusankha mwayi wodzisankhira mankhwala a Medicare Advantage kapena kumangiriza ndi Medicare Yoyamba ndikusankha ngati mungawonjezeko ndi chithandizo cha mankhwala a Medigap ndi Part D.

Kwa zonse zofalitsa mitundu ina ya Medicaid / CHIP, nthawi yowunikira maulendo apachaka imagwiritsidwa ntchito. Nthawi zolembera zapadera, komabe, zimapezeka ngati muli ndi zochitika zina zokhutiritsa moyo, monga kusayesedwa kopanda kufotokoza kapena kukwatirana.

Palibe-kukula-kamodzi-kokha pokhudza inshuwalansi ya umoyo. Ndondomeko yomwe ingakhale yabwino kwa inu imadalira zinthu zosiyanasiyana:

1. Kodi muli ndi zikhalidwe zilizonse zomwe zakhalapo kale? Izi sizinali nkhani pokhudzana ndi kupezeka kwapadera monga Ndalama Yodalirika ya Care Act yoletsedwa kulembedwa kwachipatala mpaka chaka cha 2014. Koma ndithudi izi zidzakhale zofunikira pazomwe zikusankha ndondomeko, chifukwa zopindulitsa, kutuluka kwa mthumba, mndandanda wa mankhwala ophimbidwa (formulary), ndipo ogwirizanitsa othandizira amasiyana kwambiri ndi dongosolo limodzi.
   
   Ngati mmodzi m'banja mwanu ali ndi zinthu zomwe zakhalapo kale kapena akuyembekezerapo ndalama zowonjezereka zachipatala m'chaka chomwe chikubwerako, mungafune kuwerengetsa banja mwadongosolo lapadera, ndikutenga mwatcheru kwa wachibale yemwe akuyembekezeredwa kupeza chithandizo chamankhwala pa nthawiyi chaka.

2. Kodi mumamwa mankhwala alionse? Onetsetsani kuti muwone mawonekedwe a mapulani omwe mukuganizira. Mungapeze kuti ndondomeko imodziyi imagwiritsa ntchito mankhwala anu mu mtengo wotsika mtengo kuposa wina kapena kuti mapulani ena samaphimba mankhwala anu. Mapulani a zaumoyo akugawaniza mankhwala osokoneza bongo m'magulu, omwe amadziwika kuti Wachiwiri, Gawo 2, Gawo 3, ndi Gawo 4.
   
   Mankhwala Osokoneza bongo m'gawo lachitatu ndi okwera mtengo kwambiri, pamene omwe ali m'Chigawo chachinayi ali makamaka mankhwala apadera. Mankhwala Osokoneza Bongo m'Chigawo Chachinayi (4) amapezeka ndi ndalama zothandizira ndalama (mumalipira kuchuluka kwa mtengo) kusiyana ndi ndalama zochepa. Chifukwa cha mtengo wamtengo wapatali pa mankhwala apadera, anthu ena amatha kukwaniritsa ndondomeko yawo yopanda malire kwambiri kumayambiriro kwa chaka ngati akufunikira mankhwala osokoneza bongo okwera mtengo 4. Ena amanena, komabe, athandizira malire pa mtengo wa wodwalayo wa mankhwala apadera.
   
   Ngati mukulembera ku Medicare, mungagwiritse ntchito chida cha kupeza mankhwala a Medicare pamene mutayamba kulembetsa ndi chaka chilichonse panthawi yolembetsa. Idzakulowetsani kulowa muzolemba zanu ndikukuthandizani kudziwa kuti ndondomeko yamagetsi idzagwira ntchito bwino.

• Inshuwalansi ya Umoyo ndi Zomwe Zilipo Kale: ACA, HIPAA, & Trump Admin

• Chimene Chimachitika Ngati Mukufunikira Medicare ndi Medicaid

1. Kodi panopo mukulandira thandizo lachipatala kuchokera kwa dokotala kapena chipatala? Mapulogalamu ogulitsa amapangidwa kuchokera pa chonyamulira kupita ku china, kotero yerekezerani mndandanda wa mapulogalamu osiyanasiyana omwe mukulingalira. Ngati wothandizira wanu sali mu-intaneti, mutha kugwiritsa ntchito woperekayo koma ndipamwamba mtengo wapamwamba kapena simungakhale ndi chithunzi kunja kwa intaneti konse.
   
   Nthaŵi zina, muyenera kusankha ngati kusunga ndalama zomwe mukupeza panopa kulipira msonkho wapamwamba wa inshuwalansi. Ngati mulibe ubale weniweni wokhazikika ndi dokotala wina, mungapeze kuti kusankha ndondomeko yochepetsetsa kungawonongeke.

2. Kodi mukuyembekezerapo chithandizo chamankhwala chamtengo wapatali chaka chomwecho? Ngati mukudziwa kuti muli ndi opaleshoni yotsatira, mwachitsanzo, kapena mukukonzekera kukhala ndi mwana, zingakhale zomveka kupereka malipiro apamwamba pa malonda a ndondomeko yokhala ndi malire apansi. Kumbukirani kuti mutha kupeza phindu kuchokera pa ndondomeko yokhala ndi malire ochepa omwe alibe malire, mosasamala kanthu kuti ndondomekoyi ikufunirani kuti mulipire ntchito zina zomwe musanayambe kukumana ndi malire awo.
   
   Mwachitsanzo, ngati mukudziwa kuti mukufunikira bondo m'malo mwake, ndondomeko yokhala ndi malire okwana madola 3,000 akhoza kukhala opambana kuposa ndondomeko yokhala ndi malire okwana madola 5,000. Ngakhale mapulaniwa atapereka maulendo okacheza ndi adokotala, njira yoyamba imayendera dokotala wanu kuti apite kukadutsa.
   
   Pakupita kumapeto kuli bwino kuti muthe kulipira ndalama zonse za dokotala wanu ngati mutadziwa kuti ndalama zanu zonse zogwiritsira ntchito zaumoyo zidzatha pokhapokha mutagunda $ 3,000 pachaka. Kulipira copay-mmalo mokwanira mtengo-kupita kwa dokotala kumapindulitsa mu kanthawi kochepa. Koma kwa anthu omwe akusowa chithandizo chamankhwala chokwanira, chikwama chonse cha ndalama zogwiritsira ntchito ndalama zingakhale chofunikira kwambiri.

3. Kodi mumayenda kwambiri? Mungafune kuganizira PPO ndi mauthenga ambirimbiri komanso omveka bwino. Izi zidzakhala zodula kwambiri kuposa njira yochepa yopangasa HMO, koma kusintha kwake komwe kumapereka ponena za kukulolani kugwiritsa ntchito opereka malo osiyanasiyana kungakhale koyenera. Ngati mukulembera ku Medicare, malingaliro anu oyendayenda angapangitse oyamba Medicare-kuphatikizapo chithandizo chowonjezera-chithandizo chabwino kuposa Medicare Advantage, popeza Medicare Advantage ili ndi othandizira ochepa.

4. Kodi mukulekerera chiani? Kodi mumakonda kugwiritsa ntchito ndalama zambiri pamwezi uliwonse pamalonda kuti musamawononge ndalama zochepa? Kodi muli ndi copay ku ofesi ya dokotala-kusiyana ndi kulipira chisamaliro chanu chonse mpaka mutakumana ndi ndalama zanu zopambana? Kodi muli ndi ndalama yosungira zomwe zingagwiritsidwe ntchito kulipira ndalama za chithandizo chaumoyo wanu ngati mutasankha ndondomeko yokhala ndi deductible yapamwamba?
   
   Izi ndi mafunso omwe alibe yankho labwino kapena lolakwika, koma kumvetsetsa momwe mumamvera ndi iwo ndi gawo lofunika kwambiri posankha ndondomeko yaumoyo yomwe idzakupatsani mwayi wapatali. Mwezi wamwezi uliwonse uyenera kulipidwa ngakhale mutagwiritsa ntchito ndalama zogulira za madola milioni kapena palibe. Koma kupitirira malipiro oyambirira, ndalama zomwe mumalipira chaka chonse zimadalira mtundu umene muli nawo komanso momwe mukusowa chithandizo chamankhwala.
   
   Mapulani onse omwe sanawoneke akuphimba mtundu wina wa chisamaliro chodziletsa popanda kugawa-ndalama-kutanthauza kuti palibe copay ndipo simukuyenera kulipiritsa ndalama zomwe mumalandira. Koma kupitirira apo, kufotokoza kwa mitundu ina ya chisamaliro kumasiyana mosiyana kuchokera pa dongosolo limodzi kupita ku lina. Ngati mutasankha ndondomekoyi ndi malipiro apamwamba kwambiri, dziwani kuti ndalama zanu zikhoza kukhala zazikulu ngati mukufunikira chithandizo chamankhwala.

5. Kodi mukufuna kuthandiza ku Account Savings Account (HSA)? Ngati ndi choncho, muyenera kuonetsetsa kuti mukulembera ku High Deductible Health Plan (HDHP) yomwe ndi HSA-yoyenera. Ndondomekozi zimaphimba chisamaliro chisanafike, koma palibe china. Mapulani oyenerera a HSA ali ndi zofunikira zochepa zomwe zimaperekedwa pamodzi ndi malire pa mtengo wapatali.
   
   Inu kapena abwana anu mukhoza kulipira ndalama zanu za HSA ndipo palibe "kuligwiritsa ntchito kapena kutaya". Mungagwiritse ntchito ndalamazo kuti mulipire ndalama zothandizira madokotala, koma mukhoza kusiya ndalama mu HSA ndikuzisiya. Zidzasinthika kuchokera chaka chimodzi kupita kumbuyo ndipo zikhoza kugwiritsa ntchito-msonkho wopanda malipiro-kulipiritsa ndalama zoyenera zamankhwala ngakhale mutakhalabe ndi dongosolo la thanzi la HSA.

Mawu Ochokera

Inshuwalansi ya umoyo ndi yofunikira komanso ingakhale yokhumudwitsa komanso yovuta. Mosasamala kanthu kuti muli ndi ndondomeko yoyendetsera boma, kufotokozera komwe amapatsidwa ndi abwana anu, kapena ndondomeko yomwe mudagula nokha, kumvetsa bwino momwe inshuwalansi yaumoyo ikuthandizani. Mukamudziwa zambiri, zidzakhala zosavuta kuti muyereze njira zomwe mungasankhe komanso mudziwe kuti mukupeza ubwino wanu wa inshuwaransi. Ndipo tsimikizirani kuti thandizo limapezeka nthaŵi zonse ngati muli ndi mafunso.

> Zotsatira:

> Gallup, US Uninsured Rate pa 11 Percent, Lowest in Trend 8 Year Trend,

> Kaiser Family Foundation, Health Insurance Coverage ya Chiwerengero cha Anthu, 2014.