Kodi Mungapereke Bwanji Zochita Opaleshoni Ndalama Zimene Inshuwalansi Singazilipire?

Kulipiritsa opaleshoni kunja kwa mthumba, komwe kumadziwika kuti kudzipiritsa, kungakhale kotsika mtengo kwambiri. Ngati mulibe inshuwalansi kapena inshuwalansi yanu sichidzalipidwa chifukwa cha opaleshoni yanu - monga momwe zimakhalira ndi njira zowonongeka komanso zipangizo zambiri zochitira opaleshoni - pali njira zopezera chithandizo chamankhwala chomwe mukufunikira, ngakhale mutapereka ndalama zokhazokha. .

Ngakhale opaleshoni yopanga malipiro si yabwino, ikhoza kukhala njira yosangalatsa kuposa moyo popanda opaleshoni, zomwe zingatanthauze kukhala ndi ululu kapena kukhala ndi vuto loipa. Ndiponso, ngakhale mutakhala ndi inshuwalansi mungafunikire kufufuza zosankha zanu, chifukwa inshuwalansi zambiri zimangopereka gawo limodzi la ndalamazo, ndikukusiya kuti mupereke zina.

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Momwe Mungalipire Opaleshoni - Ngakhale Ngati Bungwe Lanu La Inshuwalansi Sangatero

Ngati mwatopa zomwe mungasankhe ndi inshuwalansi yanu ndi Medicare (ngati ndizo zosankha), zingakhale nthawi yoyamba kufufuza njira zina zopezera ndalama. Kumbukirani kuti njira zonse zopezera ndalama zikufuna ndalama kuti zibwezereni, mosiyana ndi inshuwalansi yomwe imasamalira ndalama zambiri.

Onetsetsani kuti ndalama zomwe mukulipira zikuphatikizapo ndalama zonse zomwe mukuyembekezera , kuphatikizapo ndalama ya opaleshoni, mtengo wa opaleshoni ya opaleshoni, ndalama zowonongeka, kupatsa kuchipatala musanayambe opaleshoni, ma laboratoire, mankhwala, ma-x-rays ndi mayesero alionse omwe dokotala wanu ndi maulendo akufunikanso asanayambe opaleshoniyo komanso pambuyo pake.

Kuonjezerapo, onetsetsani kuti mutha kupereka chithandizo chotani pambuyo pa opaleshoni musanayambe. Simukufuna kudzudzula mwakabisira pamene ndalama yanu yoyamba ifika ndipo chiwongoladzanja chanu chokwanira kapena malipiro ndi apamwamba kuposa momwe mukuyembekezera. Muyeneranso kukonzekera zovuta zilizonse, monga zovuta, zomwe zingakweretse ndalama zonse za chisamaliro chanu kwambiri.

Pewani kuyesayesa kunyalanyaza mafoni ochokera ku dipatimenti yosungirako chipatala. Anthu awa akhoza kugwira ntchito ndi inu, kukuthandizani kukhazikitsa ndondomeko ya malipiro, ndikukhala ndi mphamvu yochepetsera ndalama zonse zomwe muli nazo. Ganizilani za anthu awa ngati bwenzi lanu lapamtima, omwe mungachite bwino kuposa momwe munachitirapo aliyense mu moyo wanu wonse. Zoonadi. Zovuta. Ngati mukulipira opaleshoni kuchokera muthumba, uyu ndi munthu yemwe mumamupempha kuti akuloleni kuti muthe kulipira komwe makampani a inshuwalansi adakambirana kuti achite chimodzimodzi. Ili ndi pempho loyenerera ndipo nthawi zambiri limalemekezedwa, makamaka ngati likulankhulidwa pasadakhale. Pezani mgwirizano umenewu mwa kulemba.

Ngati mukufuna opaleshoni yokwera mtengo kwambiri, monga kuika thupi, m'malo opaleshoni yowonjezera, funsani zambiri za momwe mungaperekere opaleshoni yotsika mtengo popanda kuponyedwa .

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Kuchepetsa Opaleshoni Amawononga Zambiri

Musanayese kupeza momwe mungaperekere popanda inshuwalansi, yesani kudziwa momwe mungaperekere mtengo wa opaleshoni yanu musanayambe. Choyamba, funsani komwe njirayi idzakupatsani ndalama zochepa. Izi zikutanthauza kuti aliyense akusamalira, kuchokera kwa anesthesia kupita kwa dokotala, chipatala ndi mankhwala akuyenera kukhala mu-intaneti ngati muli ndi inshuwaransi. Mudzapeza ndalama zabwino, ngakhale kampani yanu ya inshuwalansi sikutenga tabu.

Kenaka, kambiranani ndi mlingo wabwino. Ndizovuta kwambiri kuti malipiro amalipira amalipira kwambiri kuposa anthu omwe ali ndi inshuwalansi, ngakhale inshuwalansi yakhala ikugwirizana bwino ndi wothandizira. Limbikitsani dokotala wa opaleshoni , malo opaleshoni , wothandizira anesthesia ndi wina aliyense amene akupereka chisamaliro chanu ndikufotokozerani kuti mudzalipira mthumba kuti mupeze ndalama zabwino zomwe amapereka makampani a inshuwalansi. Ngati muli okondwa, mukulimbikira ndikufotokozerani zomwe mukukumana nazo, mukhoza kudabwa ndi ndalama zomwe mungagwiritse ntchito.

Funsani mafunso kwa aliyense amene mumamuuza za kuchepetsa malipiro. Nthaŵi zina kugwiritsa ntchito chipatala m'malo mwa chipatala kungabweretse madola zikwi zambiri. Anthu omwe amagwira ntchito polipilira adzakhala anthu omwe amadziwa kuti angakupulumutseni ndalama, ndipo adziwanso za mapulogalamu kwa anthu omwe ali ndi mavuto azachuma.

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Mafunso Ofunika Kufunsa Musanayambe Kulipitsa Opaleshoni

• Kodi mudzayenera kubwezera ngongole mpaka liti?

• Kodi malipiro angakhale otani pa ngongole?

• Kodi mudzatha kulipira malipiro kapena kodi mukuvutika kulipira ngongole zanu panthawi?

• Kodi mutha kulipira makadi anu a ngongole kwamuyaya chifukwa simungathe kupereka malipiro akuluakulu kuposa osachepera?

• Kodi mungatani ngati mtengo wa opaleshoni uli wapamwamba kusiyana ndi momwe dokotala wanu amawerengera?

• Kodi mutengeredwa kubanki ngati ndalamazo, komanso malipiro anu, sizikunenedwa?

• Kodi mudzatha kupereka mankhwala omwe mukufunikira pambuyo pa opaleshoni ngati mulipira ngongole yanu ya khadi la ngongole?

• Kodi simungathe kusunga zosowa zanu zamtsogolo ngati mukulipira opaleshoni yanu?

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Kubwereka Kuchokera Momwe Mungasungiritsire Kupaleshoni

Ndondomeko yanu ya 401k kapena 403b yopuma pantchito ingakulolereni kulandira ngongole ku ndalama zomwe mwasunga kale popanda chilango. Mapulani awa amasiyana ndi abwana ndi abwana, koma ambiri amakulolani kuchotsa 50% ya malipiro anu - mpaka $ 50,000 - chifukwa cha ndalama zothandizira zaumoyo.

Kutalika kwa nthawi yololedwa kubwezeredwa kumasiyanasiyana, koma ngati mutasiya malo anu antchito musanabwezere ndalama zingakhale zilango zofunikira za msonkho. Mutha kutaya chidwi chomwe mukanalandira pa ndalama zomwe mumachotsa, koma simudzalipira ngongole monga momwe mungakhalire ndi ngongole.

Ngati muli ndi Roth IRA, mungathe kupeza ndalama zothandizira opaleshoni yanu. Kawirikawiri Roth IRA sichiyang'aniridwa ndi olemba ntchito, koma ndi omwe amalima okhaokha, kotero muyenera kuyesa kufufuza kwanu. Yambani mwa kuitanitsa nambala ya utumiki wa makasitomala ku thumba lanu ndikufunsanso za kutenga ndalama kuchokera ku IRA musanafike zaka zapuma pantchito.

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Kodi Mumagwiritsa Ntchito Nkhumba Yanu Yopaleshoni?

Ngati opaleshoniyo ndi yofunika, zingakhale bwino kuti dentho lanu likhale ndi dzira kulipira opaleshoni yanu. Pamene mukugwiritsa ntchito ndalama zanu pazinthu monga opaleshoni sizowoneka bwino, ngati opaleshoniyo ikakulitsa umoyo wanu, ikhoza kukhala ndalama zambiri.

Malingana ndi ngongole yanu ndi ndalama zanu, mukhoza kubwereka ndalama kuchokera ku chitsime chakunja ndikusunga ndalama zanu mosavuta. Ngakhale ngongole idzabweretsa chidwi, zikhoza kukhala zowonjezera ndalama zowonjezera kuti muteteze chitetezo cha dzira kapena chithandizo chadzidzidzi, makamaka ngati mungafunike ndalama mukakonzekera ngati simungathe kugwira ntchito.

Zomwe mkhalidwe wanu uli nazo zidzakuthandizani kudziwa ngati muli bwino kuchotsa ndalama kuti musungire ndalama kapena kubweza ngongole yomwe mwachitidwa opaleshoni.

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Kugwiritsira Ntchito Kunyumba Kwathu Kulipira Kuchita Opaleshoni Nokha

Ndalama zoyenera kubwereka kunyumba zimakongoletsedwa ku mtengo wa nyumba yanu yomwe ili yaikulu kuposa ndalama zanu. Mwachitsanzo, ngati pakhomo pakhomere ndalama zokwana $ 100,000, koma muli ndi $ 70,000 ku banki, mukhoza kubwereka $ 30,000 mofanana.

Zimakhala zosavuta kupeza ngongole yamtundu uwu kusiyana ndi ngongole yopanda chitetezo chifukwa nyumbayo ndi chitsimikizo chanu. Ngongole imeneyi imaperekanso msonkho wa msonkho pamene chiwongoladzanja ndi msonkho wotengedwa ngati ndalama zogulitsa.

Kumbukirani kuti ngati simungathe kulipira ngongole yokhazikika, zotsatira zake zingakhale zovuta. Kulephera kubweza ngongole kumabweretsa kutsegulira ndi kuthamangitsidwa kwanu.

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Ndalama Zopanda Chitetezo Zopaleshoni Zowonongeka

Ngongole yopanda chitetezo imangomveka ngati: ngongole yomwe siili ndi katundu womwe uli nawo. Ndi ngongole yokhazikika pa ngongole yanu ndi ndalama zanu ndipo simagwiritsa ntchito ndalama kuti mupereke ngongole. Makhadi a ngongole ndi mtundu umodzi wa ngongole yopanda chitetezo koma pali mitundu ina yomwe ilipo.

Bungwe la banki kapena ngongole lidzakuwerengera kuchuluka kwa momwe mungagwerekere ndi mlingo wotani, komanso malingaliro a kubwezera. Ngongole imeneyi ndi yovuta kwambiri kusiyana ndi ngongole yobwereketsa nyumba ndipo ali ndi chiwongoladzanja chokwanira. Dokotala wanu angayanjanenso ndi pulogalamu ya ngongole, koma onetsetsani kuti mukuyerekeza mitengo ya chiwongoladzanja ndi zina zomwe mungapeze ngati muli oyenera kulandira ngongoleyi.

Samalirani chidwi cha chiwongoladzanja ndikuchiyerekeza ndi zina zomwe mungasankhe. Ngati muli ndi khadi la ngongole zomwe zimapereka mlingo wotsika kwambiri, khadi la ngongole ikhoza kukhala labwino kwambiri.

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Mapulani Amaphunziro Opaleshoni

Madokotala ena opaleshoni ndi zipatala amapereka ndondomeko ya malipiro a ntchito zawo. Mapulani afupipafupi amaperekedwa nthawi zambiri pamene opaleshoni yanu imaperekedwa nthawi zonse ndi wodwala m'malo mwa kampani ya inshuwaransi. Ma hysterectomy ali pafupi ndi inshuwalansi, kotero opaleshoni omwe amagwiritsa ntchito hysterectomy sangapereke ndondomeko yobwezera; Kuphatikiza apo, opaleshoni ya pulasitiki silimalipiridwa konse ndi inshuwalansi, kotero dokotalayo akhoza kukhala wodziwa zambiri za zomwe angapereke.

Nthawi zina, ndondomeko yolandira malipiro ndi mgwirizano wamtundu umene mumapereka mwezi uliwonse kuti muthe kulipira ndalama zomwe mumagula opaleshoni yanu. Nthaŵi zina, ndondomeko ya malipiro ndi ngongole, koma chipatala kapena dokotala wa opaleshoni akuphatikizidwa pazinthu zachuma.

Zipatala zina zingapereke ndondomeko ya malipiro a ntchito zawo, koma ndondomekoyi ndi ndondomeko ya malipiro omwe amatha mwezi uliwonse omwe amatha ndi opaleshoni yam'tsogolo.

Pochita opaleshoni yosakonzekera kapena opaleshoni yowopsa pamene njirayi ikuchitika pa wodwala wosatetezedwa, zipatala zimalimbikitsa kwambiri kukhazikitsa dongosolo lolipira ndi odwala omwe akufuna. Malipiro a mwezi ndi mwezi, ngakhale atakhala aakulu, akukongola kwambiri ku dipatimenti yowonjezera kuposa kulipira ngongole ndipo ikhoza kusungitsa ngongoleyo kupotipoti yanu ya ngongole monga akaunti yosayera.

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Kuchepetsa Mtengo Wopaleshoni Mwa Kukhala Opaleshoni Zapadziko Lonse kapena Chithandizo

Odziwika ngati zokopa zamankhwala kapena opaleshoni yapadziko lonse, pali njira zamakono zochitidwa opaleshoni ndiyo kufunafuna chithandizo chamankhwala kunja kwa United States. Opaleshoni m'mayiko ena nthawi zambiri amakhala otsika mtengo ndipo m'madera ena mtengowo ndi wochepa kwambiri. M'madera ena, ndalamazo ndi 75 peresenti yochepa kuposa momwe ndondomekoyi idzaperekera nyumba.

Madokotala ochita opaleshoni ochokera kunja kwa US ayamba kufunafuna odwala omwe akufuna kupita opaleshoni yomwe amafunikira, kudzikweza okha ndi mawebusaiti ndi malonda ena. Nthaŵi zina, madokotala ochita opaleshoni omwe ankafunsidwawo ankaphunzitsidwa kuzipinda zapamwamba za ku America, ndipo amakhala ndi maphunziro ofanana, kuposa a opaleshoni opita ku United States.

Opaleshoni yapadziko lonse sayenera kutengedwa mopepuka ndipo iyenera kufufuzidwa bwino. Kuphatikiza pa zidziwitso za opaleshoni, zomwe ziyenera kutsimikiziridwa, malo omwe mumachirawo amafunikanso kufufuzidwa. Ngakhale dokotalayo akufunika kwambiri kuti apange opaleshoni yomaliza, njira yowonjezeredwayo iyenera kuyendetsedwa ndi antchito ophunzitsidwa bwino.

Ndikofunika kuti dokotala wa opaleshoni akhale ndi luso lapamwamba, koma munthu amene amakusamalirani pamene mukuchira ndi ofunika kwambiri. Ayenera kuzindikira zizindikiro kapena machenjezo omwe angachitike ndikudziwitsa dokotala wanu. Kumbukirani, dokotala wanu amangochita luso ngati antchito omwe amakusamalirani mukakhalapo.

Makampani ena a inshuwalansi akulipira ngakhale zokopa zachipatala pofuna njira zofunikira, monga mtengo wawo kwa iwo ndi wochepa kwambiri kuposa momwe amachitira. Muyenera kukambirana izi ndi oimira makampani anu a inshuwalansi kuti mudziwe zambiri.

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Makhadi a Ngongole Angakhale Njira Yopangira Opaleshoni Yanu

Pokhala ndi chiwongoladzanja cha chiwongoladzanja chimene makhadi a ngongole amachititsa, njirayi sichimodzimodzi yokongola, koma njira yosankha. Makhadi ena a ngongole amalipira chiwongoladzanja choposa 22%, kuchuluka kwakukulu kokongoletsa ndalama zambiri zofunika kuchitidwa opaleshoni. Nthaŵi zina, mlingo wa chidwi ndi wotsika kwambiri kuposa umenewo, kupereka njira yokongola kwambiri yobwezera opaleshoni. Mawu anu a khadi la ngongole adzanena momveka bwino za chiwongoladzanja chanu chaka ndi chaka, koma zingatheke kuti mlingo ukhale wotsika, malingana ndi kampani.

Ngati mwatopa zomwe mungasankhe ndipo muyenera kugwiritsa ntchito makadi a ngongole, muyenera kudziwa komwe mutapereka mutatha opaleshoni.

Ngati muli ndi makadi angapo, onetsetsani kuti mukugwiritsa ntchito khadilo ndi chiwongoladzanja chochepa kwambiri ndipo musazengereze kusinthanitsa ngati khadi losiyana limapereka mlingo wokongola kwambiri. Makampani ambiri a khadi adzakupatsani ndalama zowonjezera zowonjezera kuti azitenga bizinesi yanu, ndiyeno kukweza mitengoyo ku miyezo yoyenera pambuyo pa miyezi isanu ndi umodzi. Ngati muli ndi makadi angapo, mukhoza kusunga chiwongoladzanja chanu pokhapokha mutasintha ndalama mukakhala ndi mwayi.

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Kusintha Inshuwalansi Kapena Ntchito Zina Zingakupulumutseni Ma Dollar Ambiri

Ngati inshuwalansi yanu yamakono ikupatulira opaleshoni yanu, komabe ndondomeko ina ya inshuwalansi ikhoza kulipira, mutha kulingalira kusintha malingaliro a inshuwalansi. Kwa anthu ambiri zomwe zikutanthawuza kusintha ntchito, koma simungafunike kutenga gawo lalikulu. Ngati mwakwatiwa ndipo inshuwalansi yanu sichidzaperekera opaleshoni, koma chifuniro cha mwamuna wanu, mungathe kusunga madola zikwi zambiri mwa kusintha inshuwalansi ya mnzanuyo.

Makampani ambiri amadikira mpaka January kuti apange kusintha kwa inshuwalansi yawo, koma ena angasinthe pa gawo lina la chaka. Onetsetsani kuti mufunse za kusintha kulikonse. Mungapeze kuti pamene ndondomeko yatsopano ikuyamba, kufotokozera kwanu kwasintha kapena kusamukira wopereka inshuwaransi watsopano. Muzochitika izi, zimapindula kufufuza zomwe kampani kapena ndondomeko yatsopano ikupereka. Mungapeze kuti mukuyenera kuchitidwa opaleshoni musanayambe kusintha kuti musunge ndalama, kapena mungakhale ochenjera kuyembekezera, malingana ndi kusintha kwa chiwerengero ndi ndalama za copay .

Mawu Ochokera

Kuchita opaleshoni ndi okwera mtengo koma pali njira zopangira opaleshoni zotheka popanda inshuwalansi kapena popanda chithandizo cha inshuwaransi. Zolinga zina zingapangitse kusiyana kwakukulu ndi kukula kwa ndalama yanu, ndipo ngakhale malipiro ang'onoang'ono mwezi uliwonse akhoza kuteteza ngongole zanu zamankhwala powononga ndalama zanu.

> Chitsime:

> Kiplinger. Pamene Inshuwalansi Yanu ya Umoyo Sidzalipire.