Zingamveke zosalungama kuti uyenera kulipira deductible yako yonse ngati suli kulemba inshuwalansi ya umoyo mpaka pakati pa chaka. Ndiponsotu, mumangopeza inshuwalansi ya umoyo kwa theka la chaka ngati mulembetsa pakati pa chaka; Kodi ndalama zoterezi siziyenera kuperekedwa kwa theka la pachaka loperekedwa?
Popeza ndalama zowonongeka zimakhala zodula kwambiri, zomwe zimafuna kuti malipiro a chaka chonsecho atengeke ngati mwalembetsa pambuyo pa gawo la chaka cha ndondomeko zatha, zimapangitsa kuti musamapereke ndalama zambiri pa chaka chomwecho.
Pachifukwa ichi, simungapeze phindu la kukhala ndi inshuwalansi wanu wathanzi kutenga mbali ya tabu ya ndalama zanu.
Mwamwayi, chaka chilichonse inshuwalansi ya deductible siidaperekedwa kwa zaka zopanda malire pokhapokha ngati mwatsala miyezi ingapo m'chaka chomwe mukulembera pa inshuwaransi. Kutalika kwapakati pa thumba sikunakonzedwe, mwina.
Zitsanzo
Ndondomeko ya Chaka cha Kalendala
Simukulimbikitsidwa kwa miyezi ya January mpaka June. Mukukwatirana mu mwezi wa June ndikukupatsani mwayi wolembetsa nthawi yapadera . Inu mulembere inshuwalansi chithandizo ku dziko lanu Zodalirika Care Act moyo wathanzi inshuwalansi kukhazikitsa kuyambira July 1 ndi pachaka deductible wa $ 2,000.
Zolinga zonse za Obamacare (patsiku ndi kusinthanitsa ) zili ndi chaka chomwe chidzayambira pa January 1 mpaka December 31. Ngati mutagwiritsa ntchito inshuwalansi yaumoyo pakati pa July 1 ndi December 31 pazinthu zina kupatula chithandizo chamankhwala chopewa chithandizo , inshuwalansi ya moyo wanu sudzayamba kubweza ngongole zothandizira zaumoyo zomwe zimaperekedwa kwa deductible mpaka mutapereka ndalama zokwana madola 2,000.
Ngakhale mutakhala ndi inshuwalansi yokha kwa theka la chaka, mukuyenera kulipira deductible yonseyo asanatsimikizire kuti bwana wanu ayamba kutambasula tabu (ngati muli ndi chithunzi chomwe chimaphatikizapo mapepala a zinthu monga maofesi oyendera ndi malemba, mapindu awo akhoza kumenyana kuyambira pachiyambi, mosasamala kanthu kuti mwakhala mukulipiritsa chilichonse pa deductible).
Ndondomeko ya Chaka Chatsopano
Mukulemba ntchito yatsopano kumayambiriro kwa February. Wogwira ntchito wanu atsopano adzakupatsani inshuwalansi ya umoyo monga gawo la pulogalamu yanu yogwira ntchito kuyambira pa March 1. Wogwiritsira ntchito ali ndi mwayi wolembetsa kalata iliyonse chaka cha August chaka chokonzekera kuyambira October 1 mpaka September 30 chaka chilichonse.
Popeza ndinu antchito atsopano omwe ali ndi chiwerengero choyamba pakati pa ndondomeko ya chaka, mutangotsala miyezi isanu ndi iŵiri yowunikiritsa chisanachitike chaka chotsatira chaka choyamba mu October ndi ndalama zomwe mwakhala mukulipira kumbuyo kwanu kwa chaka chonse. zero. Ngakhale kuti chaka chanu chofupikitsa chafupikitsidwa, mumagwiritsidwa ntchito ndalama zofanana ndizo antchito ena amene anasankha dongosololo polembetsa poyambira mu August.
Tawonani kuti olemba ambiri amasankha kugwiritsa ntchito mapulani a chaka cha kalendala, ndipo amalembetsa kulembetsa kwawo kugwa kuti zigwirizane ndi tsiku loyamba la January 1 la chaka chokonzekera. Koma olemba ntchito ali ndi kusintha kwakukulu mu izi, ndipo angathe kugula ndondomeko nthawi iliyonse pa chaka kuti akaphimbe antchito awo.
Inshuwalansi ya Umoyo Yopanda Thandizo Siidasinthidwe Kuchokera Kukonzekera
Ngati mutasintha kuchokera ku dongosolo linalake lazaumoyo mu chaka cha ndondomeko, ndalama zomwe mudalipira kale kuntchito yanu ya pachaka yomwe mudapereka pachiyambi cha chaka sichikuyamikiridwa kuti mupereke ndalama zapadera zomwe mwasankha panthawiyi. chaka.
Mukalembetsa ndondomeko yatsopano yaumoyo, ndalama zomwe mudalipira pa deductible yanu zatsopano zimayambira pa zero ngakhale mutakhala mutapereka kale ndalama zanu pachaka.
[Ngakhale kuti nthawi zambiri zimakhala choncho kuti ndalama zopanda malire sizingasinthidwe kuchoka pa dongosolo lina kupita ku lina, izi nthawi zina zingasinthidwe malinga ndi zochitika zomwe zimakhudza anthu ambiri omwe ali ndi ndondomeko ndi zomwe akuchita kuchokera ku boma Insurance Commissioner. Chitsanzo ndi njira yomwe idakhazikitsidwa kwa a New York Health Republic Insurance, omwe adatsekedwa mu November 2015. Chigwirizano pakati pa NY state regulators ndi makampani atatu a inshuwalansi makampani analola a Health Republic kuti apeze ngongole (pa chigawo chawo chatsopano cha December 2015) chifukwa cha ndalama zawo zomwe zinkaperekedwa kale komanso zochepa zomwe analipira kale miyezi 11 yoyambirira ya chaka.
Oyang'anira oregon achita mgwirizano womwewo kwa Oregon Health CO-OP mamembala pamene CO OP imatha kumapeto kwa July, 2016]
Chitsanzo
Munali ndi inshuwalansi ya umoyo ndi ndondomeko ya malonda (mwachitsanzo, ndondomeko yomwe mwadzigulira nokha, mwina mwachindunji kapena mwachindunji kuchokera kwa inshuwalansi) kuyambira pa Januari 1 mpaka July 31. Panthawi imeneyo, mudalipira madola 1,300 kutsogolo kwa $ 2,000 inshuwalansi yachuma deductible. Mukutsitsa ndondomeko yanu payekha pamene mukupeza inshuwalansi yothandizira ntchito kuyambira pa August 1. Ntchitoyi yatsopanoyi imakhala ndi $ 1,000.
Ndalama zokwana madola 1,300 zomwe mwakhala mukulipira kubwereza kwanu za Obamacare sizikuwerengera za deductible yanu yatsopano ya ntchito ya inshuwalansi. Muyenera kuyamba poyambira, kupereka ndalama zokwana $ 1,000 zokhazikika pa ntchito yothandizira inshuwalansi musanayambe kupeza inshuwalansi pazomwe mukuyenera kuchita.
Ngati ndiyenera kulipira Deductible pachaka pachaka mu Chaka chimodzi, ndingathe kubwezeretsanso ndalama?
Palibe njira yobweretsera ndalama zonse zomwe munagwiritsira ntchito ku inshuwalansi yanu deductible mukamasintha zolinga pakati pa chaka mutatha kulipira dongosolo loyamba. Komabe, ndalama zogulira ndalama monga zopatsa ndalama, mapepala, ndi ndalama zothandizira ndalama nthawi zina zingagwiritsidwe ntchito ngati kuchotsa msonkho chifukwa cha msonkho wotsika. Phunzirani zambiri za izi mu " Mmene Mungalembe Kugwiritsa Ntchito Ndalama Zamankhwala Monga Kuchotsa Misonkho ."
Kusinthidwa ndi Louise Norris.