Zokwanira Zophatikiza Zilipobe, Koma Ndi Malamulo atsopano
Chiwerengero cha deductible chimatanthawuza kuti njira zambiri zapamwamba zowonongeka (HDHPs) zakhala zikugwiritsidwa ntchito potsata mabanja . Zimagwira ntchito mosiyana ndi zomwe zimadalitsidwa kwambiri zomwe zimagwiritsidwa ntchito mu inshuwalansi ya thanzi ya HDHP.
Pofuna kukuthandizani kumvetsa ndondomekoyi, tiyeni tiwone momwe akugwirira ntchito komanso kusintha kwatsopano kwa ndondomeko iyi.
Zosintha Zomwe Zinayambitsa Mchaka cha 2016
Zotsalira zonse zingagwiritsidwe ntchito ndipo zifotokozedwa mwatsatanetsatane.
Koma kuyambira mu 2016, ndondomeko zonse za umoyo wa pabanja ziyenera kukhala ndi miyeso yodula kunja . Izi sizingapitilire payekhapayekha omwe ali kunja kwa thumba la chaka chimenecho. Izi zikugwiritsidwa ntchito pazinthu zonse zopanda thanzi zaumoyo (ndi mapulani osamalidwa bwino a zaumoyo); zolinga zamaganizo zimakhalapobe m'mayiko ambiri) m'misika yamagulu a inshuwalansi.
Mwachitsanzo, mu 2017 munthu wokhala ndi ndalama zambiri pamtundu wake ndi $ 7,150 . Mosasamala kanthu momwe mapulani ake aliri opangidwa, palibe munthu mmodzi yemwe angakonzekere ndalama zokwana madola 7,150 chifukwa cha ndalama zowonongeka mu 2017 (izi zidzawonjezeka kufika pa $ 7,350 mu 2018, ngakhale kuti mapulani ochuluka adzakhalabe ndi wina aliyense kunja- mizere ya mthumba pansipa phindu ili).
Izi zikutanthawuza kuti masiku a mapulani omwe ali ndi $ 10,000 aggregate deductibles adatha. Ndondomeko ikanakhoza kukhala ndi $ 6,000 zapadera zomwe zimaperekedwa, mwachitsanzo, chifukwa izo ndizochepa kuposa zomwe zili kunja.
Kuwonjezera pamenepo, ndondomeko zitha kukhalabe ndi mabanja omwe akukwera kuposa apamwamba kwambiri. Koma iwo akanakhoza kukomana kokha ngati oposa mmodzi m'banjamo akanakhala ndi zodzinenera. Izi ndichifukwa chakuti mapulani sangathe kudalira membala mmodzi wa banja kuti akwaniritse ndalama zambiri zomwe zimadulidwa pakhomo.
Ndili ndi malingaliro, tiyeni tiwone momwe madola ochulukirapo amagwira ntchito.
Kodi Ntchito Yaggregate Imatha Bwanji?
Pogwiritsa ntchito ndalama zambiri za banja, dongosolo la thanzi silinayambe kulipiritsa ndalama zothandizira zachipatala kwa wina aliyense m'banja kuti banja lonse lichotsedwe. Kamodzi kafukufuku wa banja atagonjetsedwa, inshuwalansi yathanzi imayendetsa banja lonse.
Pali njira ziwiri zomwe deductible zonse zingakwaniritsidwe:
- Pamene aliyense m'banja amagwiritsira ntchito ndi kupereka malipiro a chithandizo chamankhwala, ndalama zomwe amalipiritsa-mthumba wa mautumikiwa ndizoyamikiridwa kuwonetsetsa ndalama zonse za banja. Pambuyo pa mamembala ambiri apabanja akulipiritsa ndalama zothandizira ndalama, ndalama zonse zomwe zimagwiritsidwa ntchito zimapereka ndalama zambiri. Ndondomeko yaumoyo imayamba kumalipira ndalama zothandizira za banja lonse (kaya zonse kapena ndalama zogawidwa zomwe zikugwiritsidwa ntchito pa ndondomeko pambuyo pake).
- Wembala mmodzi wa banja ali ndi ndalama zambiri zothandizira. Ndalama yomwe amalipiritsa ndalamazo ndizokwanira kuti akwaniritse ndalama zambiri za banja. Ndondomeko yaumoyo imayamba kumalipira ndalama zothandizira za banja lonse, ngakhale kuti mmodzi yekha m'banja adalipiritsa chilichonse chokhudzana ndi deductible.
Kodi Ndondomeko Ziti Amawerengera Kwa Banja Zonse Zotayika?
Ndalama zokha zomwe ndalama zanu za HDHP ziwerengera kuti muwononge ndalama zanu zonse ndi ndalama zomwe mumagwiritsa ntchito pokonzekera zaumoyo. Mwachitsanzo, kukangana kwapakhomo sikunapindulitsidwe ndondomeko ya thanzi. Ngati mutha kukweza nkhope, ndalama zomwe mumalipira sizingathe kuwerengera ndalama zanu zonse.
Kampani yanu ya inshuwalansi ya thanzi silingathe kulemba ngongole iliyonse ya ndalama zomwe mumalandira pokhapokha ngati simukudziwa. Onetsetsani kuti inu kapena dokotala wanu mafayilo aliwonse pa ndalama zanu zonse.
Lembani milandu ngakhale mutadziwa kuti muyenera kulipira nokha chifukwa simunakumanepo ndi deductible yanu.
Umu ndi momwe kampani yanu inshuwalansi ya umoyo imadziwira kuti mwakhala mukulipiritsa ndalama zotani.
Kodi Ndondomeko Ziti Zimachokera ku Aggregate Deductible?
Ku United States, Care Affordable Care Act imafuna kuti mapulani azaumoyo azilipira ntchito zothandizira zachipatala popanda chithandizo chilichonse. Izi zikutanthauza kuti inshuwalansi ikhoza kulipira zinthu monga chifuwa chanu, katemera wa ana anu, ndi mammogram anu ngakhale simunalipirepo ndalama zanu (onani kuti sizinthu zonse zothandizira kuti zisawonongeke).
Momwe Ntchito Zachigawo Zidasinthidwire mu 2016 ndi Pambuyo
Pansi pa malamulo atsopano omwe anakhazikitsidwa mu 2016, ndondomeko ya thanzi silingathe kuti munthu aliyense azilipira deductible yomwe ili yayikulu kusiyana ndi malire a federal a kunja kwa mthumba payekhapayekha, ngakhale munthuyo ataphimbidwa pansi pa banja lonse loperekedwa. Kwa 2017, mtengo wapamwamba wa munthu payekha uli wochepa kwa $ 7,150, ndipo 2018 ndi $ 7,350.
Kusintha kwa malamulo kumeneku kunapangidwanso mwamsanga pamene ndondomeko ya inshuwalansi yanu idakonzedwanso mu 2016. Idzapitirizabe kupitilirapo pokhapokha malamulo atasintha.
Chitsanzo chikusonyeza momwe izi zimagwirira ntchito:
Tiyerekeze kuti ndalama zonse zadongosolo lanu la 2017 ndi $ 12,000. Wina aliyense wa pabanja akalipira madola 7,150 pa ndalama zonse za deductible, kufotokozera kwa munthu ameneyo ayenera kukhazikitsa popanda kugawana ndalama zowonjezereka monga copays kapena coinsurance.
Kulemba kwa munthu uyu kumangoyendetsa chifukwa tsopano wayamba malire amtundu wa munthu. Komabe, kufotokozera kwa mamembala ena a banja lanu sikudzakankhira mpaka banja lonse la deductible litakwaniritsidwa.
Zotsatira:
Dipatimenti ya Zaumoyo ndi Zithandizo zaumunthu, Chitetezo cha Odwala ndi Affordable Care Act, Proposeded Notice of Benefit ndi Payment Parameters ya 2016.
Dipatimenti ya Zaumoyo ndi Zopereka zaumunthu, Zindikirani Zomaliza Zopindula ndi Zopereka Zowonjezera za 2016 (80 FR 10823). 2015.
Dipatimenti ya Zaumoyo ndi Zopereka zaumunthu, Zindikirani Zomaliza za Kupindula ndi Kulipira Malipiro a 2018 . December 17, 2016.