Ndangomva kulira kwa inshuwalansi yathanzi yatsopano. Anati adalipira kale kuposa ndalama zonse za inshuwalansi zapakati pa mwezi chaka chino, koma inshuwalansi ya umoyo wake siinalipirire pa ofesi yake. Pamene adayitanitsa cholinga chake chaumoyo kuti adziwe chifukwa chake sadalipira, adauzidwa kuti sanafike pa deductible.
Anaganiza kuti malipiro oyambirira omwe analipanga mwezi uliwonse ayenera kutchulidwa kuti adzalandira ndalama zake pachaka. Mwatsoka, inshuwalansi ya umoyo siigwira ntchito mwanjira imeneyo; premiums musati muwerenge anu deductible.
Ngati Ndalama Siziwerengera Kulipira Kwako, Ndiye Zidzakhala Ziti?
Inshuwalansi ya inshuwalansi ndi mtengo wa inshuwalansi ya umoyo. Ndicho chomwe mumalipira kampani ya inshuwalansi ya zaumoyo kuti mutengere mgwirizano wa inshuwalansi kuti mugwirizane ndi ndalama za chisamaliro chanu chaumoyo mwezi umenewo.
Koma, ngakhale mutapereka inshuwalansi ya inshuwalansi yanu, inshuwalansi ya umoyo salipira ndalama zambiri pa chisamaliro chanu. Mumagawana ndalama zomwe mumagula ndi chithandizo chanu chaumoyo mukamalipira ndalama zothandizira ndalama, ndalama zothandizira ndalama , komanso ndalama zothandizira ndalama , zomwe zimadziwika ngati ndalama zogawa ndalama. Kampani yanu ya inshuwalansi ya zaumoyo imalipira ndalama zonse zothandizira zaumoyo, malinga ngati mwatsata malamulo okhudzana ndi chisamaliro cha thanzi kuti mupeze chithandizo chamankhwala.
Kugawana mtengo kwa ndalama kumapangitsa makampani a inshuwalansi a zaumoyo kugulitsa inshuwalansi ya umoyo ndi malipiro otsika mtengo chifukwa:
- Ngati muli ndi "khungu ku masewero", mutha kusamala kuti simukusowa. Mwachitsanzo, simungapite kwa dokotala pazinthu zazing'ono ngati mukuyenera kulipiritsa ndalama zokwana $ 50 nthawi iliyonse mukawona dokotala. M'malo mwake, mumangopita kumene mukufunikiradi.
- Mavuto azachuma mawonekedwe a inshuwalansi akutsitsidwa ndi kuchuluka kwa ndalama zomwe mukulipira. Dola lirilonse limene mumalipiritsa ndalama zanu zowonjezera, ndalama zothandizira, komanso ndalama zothandizira ndalama mukalandira chithandizo chamankhwala ndi ndalama imodzi yochepa ya inshuwalansi ya inshuwalansi.
Popanda kugawanitsa ndalama ngati zopatsa ndalama, ndalama zothandizira inshuwalansi zapamwamba zingakhale zazikulu kuposa momwe ziliri tsopano.
Kodi Ndalama Zanu Zamagulu N'chiyani? Kodi Muli ndi Ngongole Yanji?
Pamene muli inshuwalansi, kufotokozera ndalama zogawana ndalama mu inshuwalansi ya umoyo wanu kapena Kuphatikizidwa kwa Mapindu ndi Mapindu kumalongosola kuchuluka kwa ndalama zomwe mumalipiritsa komanso momwe kampani yanu inshuwalansi yalilipilira . Iyenera kufotokozera momveka bwino momwe ndalama zanu zilili, ndi ndalama zingati, komanso ndalama zanu zochuluka bwanji.
Kuwonjezera pamenepo, ndondomeko ya thanzi lanu ndi malire a kunja kwa mthumba ayenera kufotokozedwa momveka bwino mu ndondomeko yanu kapena Mwachidule cha Mapindu ndi Mapindu. Mu 2018, malire a kunja kwa mthumba sangapitirire madola 7,350 kwa munthu mmodzi kapena $ 14,700 kwa banja, pokhapokha mutakhala ndi ndondomeko ya zaumoyo . Malire apamwambawa pa mtengo wamtengo wapatali adzawonjezeka mu 2019 ku $ 7,900 zokhala ndi ndalama zokwana $ 15,800 pa banja. M'chaka chilichonse, zolinga zambiri zimapezeka ndi malire osungira malire pansipa, koma sangathe kupitirira malire a federal.
Malire a kunja kwa mthumba amakutetezani ku malire opanda malire pokhapokha ngati chithandizo chachikulu cha thanzi chimalipira. Mutapereka malipiro okwanira, ndalama zothandizira ndalama, komanso ndalama zothandizira kuti mutha kukwaniritsa ndalama zanu zowonjezera chaka chilichonse, ndondomeko yanu ya thanzi imayamba kubweza 100% ya mtengo wanu wa intaneti, zosamalidwa zofunikira za mankhwala. chaka. Simusowa kulipira kugawana mtengo wina chaka chomwecho. Komabe, mukuyenera kulipira malipiro anu a mwezi kapena inshuwalansi yanu idzachotsedwa .
Kotero, ndi chocheperani chomwe inu mungakhale nacho, ndipo ndi chiani chomwe inu mungakhoze kulipira? Muyenera kukhala ndi ngongole ngati simukusowa chithandizo chamankhwala chaka chonse.
Pankhaniyi, simungakhale ndi ndalama zogulira zokwanira. Zonse zomwe mungachite ngongole yanu ndi mwezi wanu. Tengani mtengo wanu wa patsikuli ndikulionjezera ndi miyezi 12 kuti mupeze ndalama zanu pachaka za inshuwalansi ya umoyo.
Muli ndi ngongole kwambiri ngati muli ndi ndalama zambiri zothandizira kuti musamalondereko chifukwa mumafunikira kusamalira kawirikawiri kapena muli ndi nthawi yamtengo wapatali kwambiri yosamalira, monga opaleshoni yofunikira. Pankhaniyi, ambiri omwe mumalipira kugawana mtengo ndi ndondomeko yanu yowonjezera. Onjezerani ndalama zanu zowonjezera mtengo wanu patsiku lanu, ndipo izi ziyenera kufotokozera malipiro omwe mukuyenera kulipirira pazinthu zothandizira zaumoyo chaka chomwecho.
Chenjerani, komabe. Osati ndalama zonse zothandizira zaumoyo zimaphimbidwa. Mwachitsanzo, mitundu ina ya inshuwalansi ya umoyo sidzaperekera chisamaliro kupatula ngati mutalandira kuchokera kwa wothandizira pa intaneti (ndipo ngati ndondomeko yanu ya thanzi imaphimba chisamaliro cha pa intaneti, mudzakhala ndi deductible komanso kunja kwa -kudziwika kwa mauthenga a kunja kwa-network). Ambiri ogulitsa inshuwalansi sangathe kulipira ntchito zomwe siziri zofunikira kuchipatala. Mapulani ena azaumoyo sangathe kulipira mtundu wina wa chisamaliro kupatula mutalandira chilolezo chisanayambe .
Ndani amapereka Premium ku Inshuwalansi Yanu ya Inshuwalansi?
Choyambirira ndi mtengo wogula inshuwalansi, mosasamala kanthu kuti mumagwiritsa ntchito ndondomeko kapena ayi. Koma nthawi zambiri, anthu omwe ali ndi inshuwalansi ndi lamulo sayenera kulipira malipiro athunthu. Pafupi theka la Achimereka amatenga inshuwalansi yawo ya umoyo kudzera mu ndondomeko ya ntchito, monga antchito, kapena ngati wokwatirana kapena wodalira wa antchito.
Malinga ndi kafukufuku wina wa 2017 Kaiser Family Foundation, amapindula kafukufuku, olemba ntchito amapereka pafupifupi pafupifupi 70 peresenti ya ndalama zapakhomo za banja kwa antchito omwe ali ndi inshuwalansi yothandizira ntchito. Inde, zingathe kutsutsidwa kuti zopereka za phindu la ntchito ndi gawo limodzi la malipiro a antchito, omwe ndi oona. Koma akatswiri azachuma akukayikira kuti antchito angangolandira ndalama zonsezo mu malipiro owonjezera ngati inshuwalansi yothandizira inshuwalansi iyenera kuthetsedwa, chifukwa inshuwalansi ya umoyo ndizopindulitsa phindu la phindu la abwana.
Pakati pa anthu omwe amagula inshuwalansi yawo pamsika pamsika, mapulani amapezeka kudzera ku mgwirizano wa ACA ndi kusinthanitsa . Mwa anthu omwe amagula malonda chifukwa cha kusinthanitsa, 84 peresenti anali kulandira malipiro a msonkho wapamwamba (chithandizo) mu 2017 kuti awononge gawo lawo la ndalama zawo. Pakati pa anthu omwe ali m'mayiko omwe amadalira kwambiri HealthCare.gov, ndalama zowonjezera zothandizidwa ndi ndalama zokwana $ 476 / mwezi mu 2017, pomwe ndalama zowonjezera pambuyo pake zinkakhala $ 153 / mwezi. Mwachiwonekere, ndalama zothandizira ndalamazi zimapereka ndalama zochuluka kwa olembetsa ambiri.
Koma anthu omwe amadzigulira okha kunja kwa mgwirizano akulipira malipiro awo enieni, monganso anthu omwe amagula malonda kudzera muzolipira koma omwe ali ndi ndalama zopitirira 400 peresenti ya umphawi (chifukwa chakutanthawuza, gawo lodulidwa ndi $ 98,400 Banja lachifwamba r kwa 2018 kufotokoza).
Dziwani zambiri
- Kodi Kulimbana ndi Inshuwalansi Yanu ya Umoyo Deductible?
- Thandizo la Thanzi Mulipira popanda Kulipira Deductible
- Momwe Mungayankhire Phindu Lanu Lothandizira
- Kodi Sitiyang'ane Kuchepa Kwake kwa Mthumba?
- Deductible vs Copayment-Kodi Kusiyanasiyana N'kutani?
> Zotsatira:
> Zigawo za Medicare ndi Medicaid Services, 2017 Snapshot yolembetsa . June 12, 2017.
> Zigawo za Medicare ndi Medicaid Services, 2017 Malo Olembera Panyumba Nthawi Yoyamba Kulembetsa Anthu Ogwiritsa Ntchito Mafayilo.
> Federal Register, Wodwala Chitetezo ndi Affordable Care Act; Chidziwitso cha HHS cha Kupindula ndi Kulipira Malipiro a 2019 (lamulo loperekedwa). November 2, 2017.
Federal Register, Odwala Pakati ndi Affordable Care Act; Chidziwitso cha HHS cha Kupindula ndi Kulipira Malipiro a 2018; Kusinthidwa kwa Nthawi Zowonjezera Zapadera ndi Ogulitsa Ogwira Ntchito ndi Okhazikitsa Mapulani Pulogalamu. December 22, 2016.
> Kaiser Family Foundation, Inshuwalansi ya Umoyo wa Anthu Onse. 2016.
> Kaiser Family Foundation, 2017 Employer Health Benefits Survey. September 19, 2017.