Kodi Inshuwalansi ya Umoyo Wotani?
Inshuwalansi ya inshuwalansi ndi yowonjezerapo inshuwalansi yomwe ikuthandizira kuti mukhale ndi inshuwalansi yathanzi. Zimathandizira kudzaza mipata mu chitetezo chachuma chomwe mumapeza kuchokera ku inshuwalansi yathanzi.
Mitundu ya inshuwalansi ya inshuwalansi
Pali mitundu yambiri ya inshuwalansi yothandizira, ndipo mtundu uliwonse umagwira ntchito mosiyana.
Zina mwa mitundu yowonjezereka ya inshuwalansi ya umoyo ndi:
Mipangidwe Yeniyeni ya Matenda
Mapulani a inshuwalansi owonjezera pa matendawa amapereka ndalama zambiri mutapezeka kuti muli ndi matenda enaake. Mwachitsanzo, inshuwalansi ya khansa idzaperekedwa ngati mwapezeka ndi mtundu wa khansa yomwe ili mu ndondomekoyi.
Mosiyana ndi inshuwalansi kapena Medigap ndondomeko, ndondomeko yeniyeni ya matenda imapereka ndalama zopindulitsa kwa inu, osati kwa wothandizira zaumoyo. Mungagwiritse ntchito pa chilichonse chomwe mukufuna ndipo simukuyenera kuti mugwiritse ntchito kulipira ngongole zachipatala. Anthu ambiri amagwiritsa ntchito kuthandizira ndi ndalama zomwe zimayenderana ndi matenda monga copays, deductibles, ndi kayendedwe ndi malo ogona popita ku yunivesite kapena kuchipatala chipatala chapakati kutali. Komabe, ngati mukufuna kugwiritsa ntchito Harley Davidson mmalo mwake, kusankha ndiko kwanu.
Ndondomeko yeniyeni ya matenda ndi mtundu wa inshuwalansi yokhazikika, kutanthauza kuchuluka kwa ndalama zomwe inshuwalansi ikhoza kulipira; sizimasiyana malinga ndi kukula kwa ngongole zamankhwala.
Ngati ndondomeko yanu imati mutenge $ 20,000 mukapezeka kuti muli ndi khansara, mumalipidwa $ 20,000 kuti mudziwe ngati ndalama zanu ndi madola 500 kapena $ 500,000 (ngakhale kuti ndondomeko zenizeni za matenda zimangowonjezera khansara ngati zili zovuta, kutanthauza kuti ndalamazo zingakhale zofunikira kwambiri; basal cell carcinoma imachotsedwa pamtunda wodwalayo ndipo sikufuna kuti chithandizo china chisawonongeke kuntchito yanu yovuta ya matenda).
Inshuwalansi Yovuta
Inshuwalansi yovuta kwambiri imakhala yofanana ndi ndondomeko yeniyeni ya matenda kupatula kuti imayika matenda osiyanasiyana osiyanasiyana. Mwachitsanzo, ndondomeko yowonjezereka ya matenda odalirika ikhoza kulipiritsa ndalama zowonjezereka ngati mutapezeka kuti muli ndi matenda a mtima, kupwetekedwa, khansara, matenda opatsirana pogwiritsira ntchito matenda, kapena kufunika kokumbidwa. Matenda enieni omwe amawaphimba amasiyana ndi ndondomeko yopita patsogolo. Ndalama zoyambitsa ndondomeko ya matenda oopsa zingakhale zapamwamba kuposa malipiro omwe amapindula kwambiri ndi ndondomeko ya matenda chifukwa wothandizira inshuwalansi amakhala ndi chiopsezo chachikulu chifukwa cha chiwerengero cha matenda omwe malonjezowo angapereke.
Insurance Insemnity Insurance
Inshuwalansi yothandizira kuchipatala imakulipirani ndalama zokhazokha mukakhala kuchipatala. Zolinga zina zimapereka ndalama zothandizira kuchipatala ngakhale mutakhala kuchipatala masiku awiri kapena masiku 20. Zolinga zina zimapereka mlingo wa tsiku ndi tsiku tsiku lililonse omwe mwakhala m'chipatala, mwachitsanzo, $ 100 patsiku. Mulimonsemo, ndalama zomwe mumalipira zimayikidwa ndi inshuwalansi yanu yothandizira inshuwalansi; Zilibe kanthu ndi ndalama zomwe ndalama yanu ya kuchipatala ilili. Mungagwiritse ntchito ndalamazo ngakhale mukuwona kuti zili zoyenera.
Mapulani ena a chipatala amaphatikizapo mapindu opaleshoni yapadera.
Izi zikhoza kukhala ndalama zochepa zomwe zimakhala zochepa kwambiri kusiyana ndi ndalama-ndalama zomwe zimaperekedwa kwa odwala omwe akudwala matenda opatsirana.
Inshuwalansi ya ngozi
Inshuwalansi ya ngozi imakubwezerani inu ndalama zothandizira zachipatala zomwe zimagwiridwa ndi ngozi kapena kuvulala. Nthaŵi zambiri, mudzafunikila kusonyeza ngongole zamankhwala, mapepala, ndi / kapena kufotokozera madalitso kuchokera ku inshuwalansi ya umoyo wanu kuti mutsimikizire ndalama zanu zamankhwala kunja.
Zowonjezera ngozi zimakhala ndi ndalama zokwanira ($ 5,000 ndizofala), chifukwa zimapangidwa kuti zikwaniritse ndalama zomwe mumapereka ndi ndalama zothandizira ngati mukuvulala ndipo mukufunika kupeza chithandizo chamankhwala.
Koma kawirikawiri amangokubwezerani ndalama zokhazokha zomwe mumagula, ngati ndalama zanu zili zochepa kusiyana ndi kupindula. Mwachitsanzo, ngati muli ndi ndalama zokwana madola 6,000 pa inshuwalansi yanu ndipo mutha kudzidula nokha ndikusowa ndalama zokwana madola 1,500, zowonjezerapo ngozi zidzakubwezerani $ 1,500 (osachepera pang'ono pokhapokha ngati polojekiti ya ngozi ikuperekera), ngakhale ngati phindu lalikulu ndi $ 5,000.
Imfa ndi Kukhumudwa
Kufa mwangozi mbali ya lamulo la AD & D limapereka ndalama zothandizira munthu amene mumamutcha kuti apindule ngati mwaphedwa pangozi. Pakhoza kukhala zifukwa zina monga ngati ngoziyi inachitikira ndikuchita zoletsedwa.
Phindu la imfa ya AD & D likusiyana ndi inshuwalansi ya moyo chifukwa chakuti chifukwa cha imfa chiyenera kukhala chogwirizana ndi ngozi ya AD & D, koma ndondomeko ya moyo wa nthawi idzapindula ngati imfa ichitika chifukwa cha ngozi, khansa, matenda a mtima, kapena chinachake chonga Ebola. Pamene muli ndi inshuwalansi ya moyo ndi inshuwalansi ya AD & D ndikufa pangozi, wopindula wanu amalandira malipiro kuchokera kuzinthu zonsezi.
Gawo lomaliza la chigamulo cha AD & D chimapereka ndalama zothandizira kwa inu ngati ngozi ikumusiya wopanda chiwalo, mbali ya nthambi, kapena masamba omwe muli akhungu. Kuwerenga chigamulo cha AD & D ndi ntchito yovuta kwambiri polemba madola ena enieni chifukwa cha kutaya kwa mwendo umodzi, miyendo iwiri, phazi limodzi, mapazi awiri, mkono umodzi, mikono iŵiri, diso limodzi, maso onse, ndi zina zotero.
Ndalama-malipiro omwe amaperekedwa ndi ndondomeko ya AD & D ingagwiritsidwe ntchito mwanjira iliyonse yomwe inu (kapena amene mumapindula nawo mukamwalira).
Inshuwalansi ya mano
Nthawi zambiri inshuwalansi ya mano imatengedwa ngati mtundu wa inshuwalansi ya thanzi. Zimapindulitsa kwambiri kwa dokotala wanu wa mano pamene mukulandira thandizo la mano. Mapulani ambiri a mano amatha kuyang'anira ndondomeko ya chisamaliro ndipo amafuna kuti mugwiritse ntchito ogwira ntchito omwe ali mu-intaneti ndi dongosolo. Ena amagwiritsa ntchito chisamaliro cha mano, koma gawo lanu la ndalama lidzakhala lapamwamba.
Monga ndi inshuwalansi yathanzi, mukhoza kukhala ndi ndalama zothandizira, mapepala, kapena ndalama zothandizira anthu. Kuwonjezera apo, malingaliro ambiri a mano amakhala ndi malire apakati pachaka pachaka. Mwachitsanzo, ndondomeko ya mano ikhoza kunena kuti phindu limangokhala $ 2,000 pachaka. Zikatero, ndondomekoyi imasiya kulipira pokhapokha itapereka madola 2,000 kwa chisamaliro cha mano anu chaka chimenecho. Mudzakhala ndi mlandu uliwonse wa ngongole za mano zomwe simukulipidwa mutatha kufika malire anu apakati pa msonkho wapachaka.
The Affordable Care Act inachititsa kuti ana azitha kulandira chithandizo chamankhwala ngati ubwino wathanzi, koma kutsekemera mano kwa akulu sikutumizidwa. Makampani ena a inshuwalansi a zaumoyo tsopano akugwiritsira ntchito katemera wa mano m'magulu awo, pamene ena akuwatsogolera mamembala kuti agula chithandizo chapadera cha ana.
Inshuwalansi Yopenya
Inshuwalansi ya masomphenya imaphatikizapo phindu la masomphenya a dongosolo lonse la thanzi. Maphunziro akuluakulu a inshuwalansi a zaumoyo amapereka chithandizo chokhudzana ndi matenda ndi maso monga glaucoma kapena macular, komanso kuvulala kwa diso. Komabe, inshuwalansi zambiri za inshuwalansi sizidzaperekera chizoloŵezi chokonzekera masomphenya.
Inshuwalansi yowonjezera yowonjezera imatulutsa thukuta apa ndipo imathandiza kulipira magalasi, makalenseni olankhulana, ndi kukana mayeso oyenerera kuti awalembere molondola. Mapulani ena a inshuwalansi amathandizanso kulipira kwa opaleshoni yokonzekera masomphenya monga LASIK .
Monga momwe kulumikizako mano, chithandizo cha masewera a ana ndizofunikira phindu la thanzi pansi pa Chithandizo Chothandizira Chachikulu, koma maonekedwe akuluakulu a masomphenya si.
Medigap
Medigap ndi gulu lazinthu zowonjezera zaumoyo zomwe zimapangidwa makamaka kwa omwe ali ndi United States Medicare Part A ndi inshuwalansi ya Medicare Part B. Anthu omwe alibe US Medicare sayenera kugula dongosolo la Medigap.
Mapulani a Medigap amathandiza odwala a Medicare kulipira zinthu monga zopatsa ndalama , mapepala, ndalama zothandizira ndalama , komanso chithandizo chadzidzidzi pamene akupita kunja. Zina kupatula chithandizo chadzidzidzi chakusamukira kwina, Medigap amapindula kuti agwiritse ntchito inshuwalansi ya Medicare. Medigap amapereka ndalama zina zomwe zimagwiritsidwa ntchito mankhwalawa pambuyo pa Medicare. Mwachitsanzo, Medigap ikhoza kulipiritsa ndalama zanu mutapitidwa kuchipatala.
Caveat Emptor ndi Supplemental Health Insurance
Inshuwalansi ya inshuwalansi siimalowa m'malo inshuwalansi yaumphawi monga Obamacare , ndondomeko yaumoyo yomwe mumapeza kudzera mwa abwana anu, Medicare, Medicaid, kapena Tricare. Zimatanthawuzidwa ngati kuwonjezera pa ndondomeko yathanzi nthawi zonse, osati monga mmalo mwa imodzi.
Inshuwalansi ya inshuwalansi siimaphatikizapo phindu lonse la thanzi, ndipo silingaganizidwe kuti ndilofunika kwenikweni, choncho silidzakhutitsa chofunikira cha Care Care kuti chikhale ndi inshuwalansi ya umoyo ndipo sichidzakuthandizani kupeŵa chilango cha msonkho chosatonthozedwa (onani kuti ngakhale kuti msonkho wa msonkho wa GOP womwe unakhazikitsidwa kumapeto kwa chaka cha 2017 umatha kubwezera chilango cha munthu aliyense, zomwe sizichitika mpaka 2019. Anthu omwe sali olimbikitsidwa mu 2018 adzalandire chilango pamene apereka msonkho kumayambiriro kwa 2019, kupatula ngati ziyeneretsedwe kuti mupereke ufulu ).
Mitundu ina ya inshuwalansi ya umoyo ingakhudzire msonkho umene mumapeza chifukwa chokhala ndi Akaunti ya Umoyo wothandizira pamodzi ndi Mapulani a Health Deductible Plan. Ngati muli ndi HSA, yang'anani ndi ndondomeko yanu ya msonkho musanagule mtundu uliwonse wa inshuwaransi ya umoyo kuti muzindikire momwe mungakhalire ndi HSA yanu. Mukhoza kuwerenga zambiri za izi mu Publication 969.
Zolinga zowonjezera zaumoyo sizinayendetsedwe monga zongoganizira za inshuwalansi zaumoyo. Kugwiritsira ntchito malonda kumaphatikizidwe ndi inshuwalansi yothandizira inshuwalansi kungasinthe malingana ndi momwe mukugwiritsira ntchito ndondomeko kupyolera muntchito yanu, kapena monga munthu. Mapulogalamu ambiri a inshuwalansi a zaumoyo alibe mankhwala omwe amagwiritsidwa ntchito pa inshuwalansi yathanzi.
Mwachitsanzo, mitundu ina ya inshuwalansi yathanzi imaphatikizapo zinthu zomwe zakhalapo kale kapena zimakhala ndi nthawi yodikira kuti zitha kuchitika kale. Zilipo pachaka kapena nthawi zonse zowonjezera ndalama, ndipo zimakhala zochepa kwambiri kuposa ndalama zonse zofunika kuthandizira matenda osiyanasiyana kapena kuvulala (ndicho chifukwa chake mapulaniwa akuyenera kukhala othandizira ku inshuwalansi yathanzi, m'malo mwa inshuwalansi ya inshuwalansi). Kufotokozera sikungatheke kubwereza, kutanthauza kuti simungathe kulembetsa chaka ndi chaka. Mitundu ina ya ndondomeko ingakhale yosatsimikiziridwa , kutanthauza kuti inshuwalansi ikhoza kukukanirirani ngati ikuganiza kuti muli ndi chiopsezo chachikulu.
Potsirizira pake, inshuwalansi amaloledwa kupanga phindu lalikulu pa inshuwalansi yowonjezera thanzi kusiyana ndi inshuwalansi yathanzi. Zambiri mwazinthu zamagetsi zomwe zimagulitsidwa ku United States ziyenera kutenga 80-85% ya ndalama zomwe amasonkhanitsa pakhoma pa kupereka malipiro kapena ntchito zotsimikizirika zapamwamba, kusiya 15-20% pokhapokha pa ndalama zothandizira, malonda, ndi phindu. Zolinga zowonjezerapo sizikulamuliridwa mwanjira imeneyo. Iwo angagwiritse ntchito gawo laling'ono la ndalama zomwe zimatengedwa monga ndalama zoyenera kulipira kulipira phindu, kusiya gawo lalikulu kwa amishoni omangamanga, malonda, kutsogolera, ndi phindu.
> Zotsatira:
> School of Law Cornell, Institute Information Information. 45 CFR 148.220, Kupatula Ubwino.
> Jost, Tim. Health Affairs. Kugwiritsa Ntchito Kusintha kwa Zaumoyo: Zopindula Zokha Pokhapokha Malamulo Otsiriza. September 29, 2014.