Inshuwalansi yathanzi yaumphawi imatanthawuza ngati chikwama chachitetezo cha zachuma ngati muli ndi vuto la thanzi. Sichidzalipira mavuto a tsiku ndi tsiku, koma adzalipiritsa ngati muli ndi zosowa zodula zaumoyo. Chifukwa chaichi, zoopsa zaumoyo zowononga nthawi zambiri zimadula zochepa kuposa njira zina zaumoyo.
Ngati mukufuna inshuwalansi yathanzi yomwe idzaperekera zosowa zaumoyo monga mapepala a chimfine ndi chimfine, ndondomeko yoopsya si yanu.
Ngati mungathe kulipira zofunikira zanu zaumoyo ndikufuna kuti inshuwalansi yanu ikukhudzeni pokumana ndi vuto la thanzi ngati mukusowa opaleshoni yowonjezereka, ndiye kuti zovuta zowonjezera zingakhale zomwe mukuzifuna.
Kuchokera pachaka kwa inshuwalansi yathanzi yapamwamba kwambiri kuti anthu ambiri wathanzi sangathe kulipira; chaka chidzatha asanathera zambiri pa chisamaliro. Komabe, ngati muli ndi zosowa zokhudzana ndi thanzi la mtengo wapatali, ndondomeko yowopsya idzawombera ndikuyamba kulipira mutapereka ndalama zambiri za deductible.
Mawu akuti "owopsya" amagwiritsidwa ntchito pofotokozera ndondomeko iliyonse ya thanzi lapamwamba. Koma pansi pa mtengo wothandiza Care Act, ndi mtundu wapadera wa ndondomeko, yosiyana ndi zina zapamwamba zomwe mungasankhe.
Kodi Chimatanthauzanji Chodabwitsa Chachidwi?
Inshuwalansi yathanzi yaumphawi yoperekedwa ku mgwirizano wathandizira wa Health Care Act (ndi kunja kwa kusinthanitsa )
- Ali ndi deductible yapamwamba kwambiri.
- Kuphimba zonse zofunika phindu la thanzi.
- Malire omwe angathe kulemba. Sikuti aliyense ali woyenera kugula dongosolo loopsa.
- Sungagwiritsidwe ntchito ndi chithandizo cha inshuwalansi yathanzi kuti muthe kulipira malipiro a mwezi uliwonse.
Malingaliro opweteka operekedwa pa boma ndi federal inshuwalansi ya umoyo wa inshuwalansi ali ndipamwamba kwambiri deductible poyerekeza ndi mitundu ina ya ndondomeko.
Mwachitsanzo, malingaliro odabwitsa omwe amaperekedwa mu 2017 ali ndi deductible ya $ 7,150 kwa munthu aliyense. Ndipotu, ndalama zomwe zimapangidwira pangozi zimakhala zofanana ndi zomwe zili kunja . Kuperekedwa kwadongosolo lanu lachilengedwe lachulukidwe lidzawonjezeka chaka chilichonse pamene boma likulola kuwonjezeka kwapakati pa mthumba (mu 2014, unali $ 6,350, ndipo wakula chaka chilichonse kuyambira pamenepo).
Mutapereka ndalama zokwanira m'thumba lanu kuti mukwaniritse ndalama zowonjezera, ndondomeko yoopsa yaumoyo idzayamba kulipira ndalama zomwe mumagula. Kawirikawiri, ngati mutakhala mu-network , ndondomeko yanu yowopsya idzapiritsa ndalama zanu zothandizira peresenti 100 pokhapokha mutalipiritsa.
Kodi ndalama zothandizira zaumoyo ndi ziti? Ndondomeko yowopsya iyenera kubwereza phindu lomweli labwino kuti thanzi lina lililonse la Obamacare liyenera kubisala. Mwachitsanzo, ayenera kulipira zinthu monga madokotala, maulendo a magazi, chisamaliro cha amayi, chisamaliro cha umoyo komanso mankhwala osokoneza bongo. Komabe, izo sizingayambe kulipira kwa mapindu awo mpaka mutalipira wanu waukulu deductible.
Pali zosiyana ziwiri ku ulamuliro umenewo:
- Choopsa cha inshuwalansi ya umoyo ayenera kulipira chisamaliro chithandizo chamankhwala ngakhale kuti simunalipire deductible yanu. Izi zimaphatikizapo zinthu monga firiji yanu ya chaka chilichonse, kuyang'ana nyamakazi , kuyendera bwino amayi, ndi kulera .
- Zopweteka zaumoyo zowonongeka ziyenera kukulipirani kuti muwone wothandizira wanu wamkulu katatu patsiku popanda kulipira dalaivale yoyamba.
Anthu ena okha amatha kugula inshuwalansi yowopsya yogulitsidwa pa kusinthanitsa kwa inshuwalansi ya Care Act. Muyenera kukhala osapitirira zaka makumi atatu, kapena mukhale ndi zovuta zotsatila kapena zopanda malire ku chilango cha ACA payekha. Pezani ngati muli woyenera "Kodi Mukuyenera Kulipira Inshuwalansi Yathanzi? "
Ngati mukuyenera kulandira thandizo la inshuwaransi ya umoyo kuti muthe kulipira malipiro anu a inshuwalansi ya mwezi uliwonse, simungagwiritse ntchito thandizoli ndi dongosolo loopsa la thanzi .
Muyenera kutenga mkuwa, siliva, golide, kapena platinamu kuti mugwiritse ntchito ndalamazo. Phunzirani zambiri za yemwe ali woyenera kupeza chithandizo cha inshuwaransi ya zaumoyo ndi mtundu wanji wa chithandizo chomwe chilipo " Kodi Ndingapeze Thandizo Kulipira Inshuwalansi ya Zaumoyo? "
Ndondomeko zina zamkuwa zimakhala zowonongeka kwambiri (komanso ndalama zowonongeka zomwe zimakhala zofanana ndi zomwe zili pangozi), koma palibe chithandizo choyendera chisamaliro chisanafike. Ndalama zothandizidwa ndi Althouh premium sizingagwiritsidwe ntchito pazinthu zowononga, munthu wathanzi yemwe sali woyenerera kupereka ndalama zothandizira ndalama zowonjezera ndalama angapeze dongosolo loopsya kuti likhale labwino kusiyana ndi dongosolo la mkuwa.
Ubwino Wobisika wa Zovuta Zaumoyo Inshuwalansi
Ngakhale mutakhala osakwanira pa chithandizo chaumoyo kuti mukwaniritse zovuta zanu zadongosolo, mudzapiranso ndalama zochepa zothandizira zachipatala ndi ndondomeko yowopsya kusiyana ndi ngati mulibe inshuwalansi zedi. Zopweteka zambiri ndi HMO, PPO, EPO, kapena POS . Ndondomeko zonsezi zimagwirizana ndi chiwerengero cha madokotala, zipatala, mabala, ndi ma pharmica omwe ali mumaselo awo opereka. Monga wobwereza ku zoopsa zaumoyo, mumapindula ndi mitengoyi ngakhale musanapereke ndalama zanu.
Nazi chitsanzo. Tiyerekeze kuti simunakwaniritse dongosolo lanu loipa la $ 7,150 loperekedwabe. Mumavulaza bondo lanu ndipo mumasowa X-ray. Mtengo wamakono wa X-ray wanu ndi $ 200. Popanda inshuwalansi yathanzi, mumayenera kulipira $ 200 kuchokera kunja. Mawonekedwe oterewa a--thandizi othandizira ogwira ntchito zaumoyo ndi $ 98. Popeza ndinu membala wa ndondomeko ya thanzi pogwiritsira ntchito chipangizo cha X-Ray, muyenera kulipira ndalama zokwana $ 98 zokha. Mulipira ndalama zokwana $ 102 pokhapokha mutalipira ngati simunatetezedwe.
Chenjerani Pogula Zopweteka Za Inshuwalansi Zaumoyo
N'kosavuta kulakwitsa kuganiza kuti mapulani a inshuwalansi a zaumoyo ndi ofanana ndi ndondomeko yowonjezera yaumoyo, kapena HDHP. Pambuyo pake, ndondomeko yowopsya imakhala yotsika kwambiri, kotero iyenera kukhala ndondomeko ya thanzi yapamwamba, pomwe?
Cholakwika.
HDHP yoyenera ndi mtundu wa inshuwalansi wathanzi wokonzedweratu kuti ugwiritsidwe ntchito ndi akaunti ya ndalama. Phunzirani kusiyanitsa pakati pa HDHP ndi ndondomeko yowopsya, ndipo chingachitike ngati mutagula ndondomeko yowopsya mukamaganiza kuti mukugula HDHP.
> Zotsatira:
> HealthCare.gov, Mapulani a Thanzi Labwino.