Inshuwalansi ya umoyo mu madola zikwi zikwi zimapanga ndalama, ndalama zokwana madola 25 mpaka $ 75 zomwe mumalipira nthawi iliyonse mukapita kwa dokotala kapena kudzaza mankhwala, zikuwoneka ngati kusintha kwa chumpu. Koma copays amawonjezera kwenikweni pamene muli ndi matenda. Kodi copays kuwerengera anu thanzi inshuwalansi deductible? Kodi mukuchotsa pafupipafupi nthawi iliyonse yomwe mumalipira ndalama zokwana $ 30 za chithokomiro kapena cholesterol?
N'kwachilengedwe kuti usamangoganizira za thanzi lanu inshuwalansi deductible, nthawi zambiri madola zikwi zingapo. Kusungira bajeti kwa umoyo wanu inshuwalansi deductible wakhala choyenera kwa ndalama savvy folks amene si olemera. Koma, ndi zovuta kuti muwone momwe mukuyendera kuti mukwaniritse deductible yanu ngati simukudziwa chomwe, ndendende, chiwerengero chake .
Kaya ndalama zanu zikuwerengera pa deductible yanu zimadalira momwe dongosolo lanu la thanzi lakonzekera zofunikira zake zogawana mtengo . Muzochitika zanga, zambiri zolinga sizikuwerengera ndalama zanu zokhudzana ndi thanzi lanu inshuwalansi deductible. Komabe, dongosolo lanu lingathe. Zolinga zamagulu zogawana zogawa ndalama zimasintha chaka chilichonse ngati mapulani azaumoyo amayang'ana njira zatsopano zogwiritsira ntchito ndalama.
Mukudziwa bwanji zedi? Choyamba, onani Summary of Benefits ndi Coverage. Yang'anirani masamu mu zitsanzo. Ngati simukuwonekeratu, mungafunike kuitanitsa nambala ya membala pa kampani yanu ya inshuwalansi ndikufunsa.
Koma kawirikawiri, muyenera kuyembekezera kuti mapepala anu sadzawerengedwa ku deductible yanu. Zidzakhala zowerengedwa kwa ndalama zanu (kupatula ngati muli ndi ndondomeko yaikulu yomwe mumagwiritsa ntchito malamulo osiyana siyana).
Pamene Your Health Plan Credits Copays Toward the Deductible
Zowonjezera zowonjezera.
Ngati mumamuwona kawirikawiri dokotala kapena mutadzaza malamulo nthawi zonse, mapepala omwe amavomerezedwa kuti akutsogoleredwa nawo angakuthandizeni.
Tiyerekeze kuti inshuwalansi ya umoyo imapangidwa motere:
- $ 1,000 deductible,
- $ 30 a ndalama kuti muwone dokotala wanu wamkulu ,
- $ 60 copay pakuwona dokotala wazatswiri,
- $ 25 makalata odzaza mankhwala a mankhwala ,
- Dipatimenti yokwana madola 45 kuti mudzaze mankhwala olembedwa mankhwalawa.
Tsopano, yerekezerani ndalama zomwe zikugwiritsidwa ntchito pogwiritsa ntchito chithandizo chofanana chaumoyo ndi inshuwalansi yaumoyo yomwe imalimbikitsa ndalama zomwe mumalandira pakhomo lanu, ndi inshuwalansi ya umoyo yomwe simukuwerengera ndalama zanu zapadera.
Mu January, mumapezeka kuti muli ndi shuga . Mukuwona PCP yanu katatu ndipo mumapatsidwa mankhwala osokoneza bongo komanso mankhwala amodzi. Mipukutu yanu ya January ndi $ 30 + $ 30 + $ 30 + $ 25 + $ 45 = $ 160.
PCP yanu sichikondwera ndi matenda anu a shuga, kotero mu February, akutumizani kuti muwone katswiri wamagetsi , dokotala yemwe ali ndi matenda a shuga ndi mavuto a mahomoni. Mukuwona katswiri ndikubwezeretsani malamulo anu onse. Mipukutu yanu ya February ndi $ 60 + $ 25 + $ 45 = $ 130.
Mu March, inu mumamuwona katswiri wamagwiridwe kawiri kawiri. Amasintha malamulo anu; tsopano muli pa mankhwala awiri odziwika.
Zolakwitsa zanu za March ndi $ 60 + $ 60 + $ 45 + $ 45 = $ 210.
Pofika kumapeto kwa March, mwakhala mukulipiritsa ndalama zokwana $ 500 muzolipira. Ngati ndondomeko ya thanzi lanu ikuwerengera ndalama zanu zogulira ndalama zanu, muli kutali kuti mupeze ndalama zokwana $ 1,000. Ngati ndondomeko yaumoyo yanu sichiwerengera ndalama zanu zokhudzana ndi ndalama zanu, mumakhalabe ndi ndalama zokwana madola 1,000 zokha, ngakhale mutalandira ndalama zokwana madola 500 kuti mupereke ndalama zothandizira odwala m'thumba lanu.
Makhalidwe Ovomerezeka a ACA Ambiri a Copay Kumalo Anu Ambiri Akutayika
Ngakhale kuti sizowonongeka ndondomeko yomwe amawerengera mapepala amtengo wapatali, mapulani onse a ACA amawerengera ndalama (chifukwa cha ntchito zomwe zimawoneka kuti ndizofunika zothandiza zaumoyo ) kuti mupite pachaka, momwe mkulu wanu angatulutse ( $ 7,150 kwa munthu mmodzi yekha mu 2017 ).
Anthu ambiri samaliza kukwaniritsa ndalama zawo zapakati pa chaka. Koma ngati mutero, zikhoza kukhala kuphatikizapo mapepala, ndalama, komanso ndalama zomwe zimakupatsani malire. Ngati muli ndi misonkhano yambiri yomwe copay ikugwira ntchito, mutha kukwaniritsa malire anu omwe simungakwanitse, chifukwa simungakwanitse kukwaniritsa ndalama zanu. kwa chaka, ngakhale ngati mukufunikira kusamalira zomwe deductible kawirikawiri ntchito).
Kusinthidwa ndi Louise Norris.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services, Center for Information Consumer Information ndi Inshuwalansi. Zopanda Thandizo Labwino Ntchito Zomwe Zilikuyambitsa - Khazikitsani 18.