Kodi Kulimbana ndi Inshuwalansi Yanu ya Umoyo Deductible?

Thanzi lanu inshuwalansi deductible ndipo ndalama zanu zamwezi zilizonse mwinamwake zanu zazikulu kwambiri zothandizira ndalama. Ngakhale kuti ndalama zanu zapadera zimagwirizana ndi gawo la mkango wa ndalama zogwiritsira ntchito ndalama, kumvetsetsa zomwe zimafunika ku inshuwalansi ya moyo wanu deductible ndi zomwe sizili zophweka.

Mapangidwe a ndondomeko iliyonse ya thanzi amatsimikizira zomwe zimafunika ku inshuwalansi deductible, ndipo ndondomeko yaumoyo yolinganiza ingakhale yovuta kwambiri.

Zolinga zamagetsi zogulitsidwa ndi inshuwalansi imodzimodziyo zidzakhala zosiyana kuchokera kwa wina ndi mzake mu chiwerengero cha ku deductible. Ngakhale dongosolo lomwelo lingasinthe kuchokera chaka chimodzi kupita kutsogolo. Muyenera kuwerenga zolemba zabwino ndikukhala savvy kuti mumvetsetse, zomwe muyenera kuyembekezera, komanso pamene mudzayenera kulipira.

Cholinga cha Inshuwalansi Yanu ya Umoyo Deductible

Ndalama zimatengeredwa kuti zaperekedwa kuchokera ku momwe gawo lanu lalingaliro la zaumoyo likugwiritsidwa ntchito. Pali njira zambiri zogulira ndalama zomwe zingagwiritsidwe ntchito, koma zambiri zimagwera magawo akulu awiri.

1. "Mukulipira poyamba, inshuwalansi ikulipira" kamangidwe kanu: Inshuwalansi ya thanzi lanu silingathe kulipira kalikonse koma chithandizo chodziletsa kufikira mutakhala ndi ndalama zanu pachaka. Msonkhanowu utatha, umalipiritsa ndalama zokhazokha komanso ndalama zothandizira ndalama . Inshuwalansi ya umoyo imatenga mapepala onsewo.
   • Muzinthu izi, kawirikawiri ndalama zomwe mumagwiritsa ntchito popereka chithandizo chamankhwala amafunika ku insurance inshuwalansi yanu pokhapokha ngati mutapindula ndi ndondomeko ya thanzi lanu ndipo mumalandira malamulo atsopano.

1. "Ducuctible imachotsedwa pazinthu zina" mawonekedwe: Inshuwalansi yaumoyo imatenga gawo la tabu kwazinthu zina zomwe siziteteza ngakhale musanakhalepo ndi deductible yanu. Mu dongosolo ili, kawirikawiri misonkhano yomwe imachotsedwa ku deductible ndi mautumiki omwe amafuna ndalama. Kaya muli ndi deductible kapena ayi, mumalipira ngongole yokha. Inshuwaransi yanu ya umoyo imalipira malipiro otsala a utumikiwo.
   
   Kwa mautumiki omwe amafunika kulimbikitsidwa m'malo molipilira ndalama , mumalipiritsa ndalama zonse zothandizira mpaka mutapereka ndalama zanu. Pambuyo pa deductible, mwapereka ndalama zokhazokha ndalama; ndondomeko yanu ya thanzi imabweretsa zina zonse.
   • Muzinthu izi, ndalama zomwe mumagwiritsa ntchito kuntchito zomwe deductible zakhululukidwa kawirikawiri sizitchulidwa kuti muli ndi deductible. Mwachitsanzo, ngati muli ndi ndalama zokwana madola 35 kuti muwone katswiri ngati muli ndi deductible kapena ayi, ndalama zokwana $ 35 mwina sizikhoza kuwerengera kwa deductible yanu.
     
     Komabe, izi zikusiyana ndi ndondomeko yaumoyo ku dongosolo la thanzi; kotero, werengani Chidule cha Ubwino ndi Mapulogalamu mosamala, ndi kuyitanitsa dongosolo lanu laumoyo ngati simukudziwa. Phunzirani zambiri, " Kodi Copays Count ku Inshuwalansi Yanu Yopereka Deductible? "

Kumbukirani, chifukwa cha Wodalirika Care Act , muzinthu zambiri zaumoyo, chithandizo chachitetezo chimaphimbidwa 100% ndi thanzi la inshuwalansi. Simusowa kulipiritsa ndalama iliyonse yothandizira, chithandizo, kapena ndalama zothandizira chithandizo chamankhwala chodziteteza omwe mumapeza kuchokera kwa wothandizira .

Ndipo mukangomaliza kukwaniritsa ndalama zanu zapakati pa chaka (kuphatikizapo deductible yanu, coinsurance, ndi copayments), wanu inshuwalansi amalipira 100 peresenti ya ndalama zanu zonse zofunika, mu-network.

Chimene Sichiwerengera ku Inshuwalansi Yanu ya Umoyo Deductible

Ndalama zomwe mumalipira pakhomo pazinthu zothandizira zaumoyo zomwe sizinapindule ndi inshuwalansi ya umoyo wanu sizidzatchulidwanso za inshuwalansi yanu deductible. Mwachitsanzo, ngati inshuwalansi ya umoyo sichikuphimba zodzoladzola pamaso pamaso, ndalama zomwe mumalipira m'thumba lanu zothandizira mankhwalawa sizitha kuwonetsa thanzi lanu la inshuwalansi deductible.

Ndalama zomwe mudalipira kwa wothandizira ena omwe sizitchulidwa kawirikawiri sizitchulidwa kuti ndi za deductible mu ndondomeko ya zaumoyo zomwe sizikutsegulira chisamaliro. Pali zosiyana ndi lamulo ili monga chisamaliro chadzidzidzi kapena mikhalidwe yomwe palibe wina wothandizira kuti athe kupereka chithandizo chofunikira.

Mapulani a zaumoyo omwe amalola kuti anthu azisamalidwa, nthawi zambiri PPOs ndi mapulani a POS , amasiyana ndi momwe amalipira ngongole yomwe munalipira kuti musamalire.

Mutha kukhala ndi inshuwalansi ziwiri za inshuwalansi zosiyana, imodzi ya chisamaliro cha-intaneti ndi ina yowonjezera yothandiza kusamalidwa. Pachifukwa ichi, ndalama zowonongedwa kunja kwa-network zimatengedwa kuti zimachokera kunja kwa-network-deductible koma sizinayang'ane ku-deductible deductible. Chophimba chimodzi: Ngati wanu wothandizira pa Intaneti akupereka ndalama zochuluka kuposa ndalama zomwe mwalandira, ntchito yanu yothetsera thanzi lanu ingachepetse kuchuluka kwa ndalama zomwe zimatchulidwa kuntchito yanu yachinsinsi yomwe imachokera ku chiwerengero cha mwambo.

Mipukutu (copays) kawirikawiri samawerengera ku deductible. Ngati ndondomeko yanu ya zaumoyo ili ndi $ 20 payayendetsedwe ka ofesi yoyang'anira maofesi, ndalama zokwana madola 20 zomwe mumalipira zingakhale zosawerengeka kwa ndalama zanu.

Komabe, izo ziwerengera kuti mukhale otsika kwambiri pamakonzedwe onse ( zidzukulu zina zomwe zimakhala ndi mapulani angakhale ndi malamulo osiyanasiyana potsata momwe malire awo amatha kukhalira).

Kulipira kwa mwezi kwa mwezi sikuwerengera kwa deductible yanu . Ndipotu, ndalama zothandizira ndalama sizinayamikiridwe kugawidwa kwa mtengo uliwonse. Choyamba ndi mtengo wogula inshuwalansi. Ndiwo mtengo umene mumalipiritsa inshuwalansi poyesa mbali imodzi yazoopsa za ndalama zomwe mungapereke pazosowa zothandizira.

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