Inshuwalansi ya umoyo sumalipiritsa ndalama zonse zothandizira zaumoyo. M'malo mwake, mukuyembekeza kupondereza ndalamazo kuti mupereke gawo lina la mtengo wa chisamaliro chanu kupyolera mu ndondomeko yanu yothandizira kugawana ndalama monga ndalama zanu, ndalama zanu, komanso ndalama zanu .
Popeza ndalama zowonongeka ndi zolipira zimakhala zochepa, sizikutengera masamu ambiri kuti azindikire kuchuluka kwa malipiro.
Kulipidwa kwa madola 30 kuti mulembetse mankhwalawa kudzakugulitsani madola 30 mosasamala kanthu kuti ndalama zonse zogwiritsira ntchito mankhwalawa zinali zotani. Inshuwaransi yanu ya umoyo imatenga tabu lonselo.
Komabe, kuwerengera ndalama zothandizira inshuwalansi zaumoyo ndizovuta kwambiri. Popeza kutsimikiziridwa ndi chiwerengero cha ndalama zonse za utumiki, mudzalandira ngongole yosiyana ya utumiki uliwonse umene mumalandira. Ngati ntchito yothandizira zaumoyo yomwe munalandira ndi yotchipa, ndalama zanu sizidzakhala zambiri. Komabe, ngati chithandizo chamankhwala chinali chokwera mtengo, ndalama zanu zothandizira ndalama zingapangitse kukhala mazana kapena zikwi za madola.
Muyenera kumvetsetsa momwe mungayankhire ndalama zothandiziranso inshuwalansi ya umoyo wanu kuti mudziwe kuchuluka kwa ndalama zomwe mungapeze kuti muthe kulimbikitsana.
Choyamba, Pezani Anu Wothandizira Phindu
Choyamba, mudzafunika kupeza ndalama zanu za mtundu wa chisamaliro chomwe mukuchipeza. Muyenera kupeza izi mu Chidule cha Mapindu ndi Mapindu omwe muli nawo pamene mwalembetsa ndondomeko yanu yaumoyo.
Nthawi zina mumatha kuzipeza pa inshuwalansi yanu ya inshuwalansi.
Samalani; muzinthu zina zaumoyo, kulimbikitsa ndalama kungakhale yofanana peresenti ziribe kanthu mtundu uliwonse wa utumiki umene umapeza. Mwachitsanzo, 30% ndalama zothandizira anthu kuchipatala komanso 30% zothandizira kuti azigwiritsa ntchito mankhwala osokoneza bongo. Muzinthu zina zaumoyo, mukhoza kukhala ndi ndalama zochepa zothandizira mautumiki ena komanso mlingo wapamwamba wa ntchito zina.
Mwachitsanzo, mungakhale ndi ndalama zokwana 35% zothandizira anthu kuchipatala, koma 20% zothandizira odwala opaleshoni yopita kuchipatala.
Kenaka, Pezani Mtengo Wanu Wosamalira
Mukadziŵa kuti ndalama zanu zimakhala zotani, muyenera kudziwa mtengo wa ntchito yothandizira. Ngati mukugwiritsa ntchito othandizira pa intaneti , ndondomeko yanu yaumoyo yayamba kale kugwiritsira ntchito kuchotsera kwa wothandizira. Lembani malipiro anu a inshuwalansi yothandizira malingana ndi mlingo wogonjetsedwa, osati mlingo wovomerezeka kwa anthu omwe sali a dongosolo lanu la thanzi. Pezani izi mu-intaneti yotulutsidwa kuchuluka kwa Kufotokozera kwa Mapindu omwe akuwerengedwa monga "chilolezo chololedwa."
Ngati simunalandire chithandizo chamankhwala pano, simudzakhala ndi EOB kuti muwone. Muyenera kufunsa wopereka wanu zomwe mu-intaneti mlingo wa ntchito imeneyi ndi. Mosiyana ndiwe, webusaiti yanu ya inshuwalansi ikhoza kukhala ndi owerengetsera mtengo omwe angakuthandizeni kupeza mtengo wa utumiki malinga ndi omwe mumagwiritsa ntchito. Ngati palibe njirazi zomwe zingakuthandizeni, onani zambiri zomwe mungachite mu " Pezani Momwe Udokotala Wanu Amathandizira ."
Chotsatira, yesani Phindu lanu
Kuti muwerengere ndalama zothandizira, mukuyamba kusintha chiwerengero chanu cha chiwerengero chanu kuti mukhale chiwerengero cha madimali poyendetsa malo a decimal kumbali ziwiri kumanzere monga:
Peresenti: | Chithunzi Chofanana Chofanana: |
15% | 0.15 |
20% | 0.20 |
25% | 0.25 |
30% | 0.30 |
35% | 0.35 |
40% | 0.40 |
45% | 0.45 |
50% | 0.50 |
Tsopano, yochulukitsani chiwerengero cha decimal ichi ndi mtengo wonse wa utumiki waumoyo:
Phindu la ndalama (monga chiwerengero cha chiwerengero) X mtengo wonse = kulimbikitsanso kulipira.
Zitsanzo
Ndondomeko ya thanzi la Antoine imaphatikizapo 20 peresenti yogawana mtengo kuti adziwe mankhwala. Chiwerengero chake cha mtengo wake chilipira $ 150.
0.20 X $ 150.00 = $ 30.00
Coinsurance chiwerengero cha mtengo wathunthu = chilimbikitso Antoine akuyenera.
Antoine ali ndi ndalama zokwana $ 30 za mankhwalawa.
Mphamvu ya Kinsey yaumoyo imafuna 35 peresenti mtengo wogawanika kuzipatala. Mtengo wonse wa chipatala chake amakhala $ 12,850.00
0.35 X $ 12,850 = $ 4,497.50
Coinsurance chiwerengero cha mtengo wathunthu = coinsurance Kinsey ali.
Kinsey adzalandira $ 4,497.50 pothandizira ndalama zothandizira anthu ogwira ntchito kuchipatala.
Zomwe Zimakhudza Ndalama Zanu Zamalonda
Musaiwale kuti muyenera kulipiritsa deductible yanu. Muzinthu zambiri zaumoyo, mudzayenera kulipira deductible yonseyo musanayambe ndondomeko ya thanzi lanu kulipira gawo limodzi la mtengo wa chisamaliro chanu. Pambuyo pokhapokha mutapereka malipiro anu onse mutha kugawana ndalama zomwe mumasamalira ndi dongosolo lanu labwino polipira ndalama. Phunzirani zambiri, " Deductible-Chimene Ndizo ndi Mmene Zimagwirira Ntchito ."
Ngati muli ndi ngongole yaikulu ya chisamaliro, ndalama zanu zowonjezera zikhoza kukulowetsani kuzinthu zina. Pomwe ndalama zowonongeka, mapepala, ndi ndalama zomwe mwakhala mukulipirako chaka chino zowonjezerapo kuwonjezera pa ndalama zowonjezera, zomwe mukufuna kugawana nazo zatha kumapeto kwa chaka. Ndondomeko yanu yaumoyo imatenga ndalama zokwana 100% zazinthu zowonongeka pa intaneti kwa chaka chonse. Simusowa kulipira ndalama, kulipira ndalama, kapena kubwezeretsanso mpaka chaka chamawa ... kawirikawiri. Phunzirani zambiri, " Kutuluka Kwambiri kwa Pocket-Momwe Zimagwirira Ntchito ndi Chifukwa Choyenera Kudziŵira ."
Chifukwa cha Wodalirika Care Act , chithandizo chachikulu chodziletsa chiyenera kukumbidwa ndi inshuwalansi ya moyo wanu popanda kutero, kulipira ndalama, kapena ngakhale deductible. Izi zikutanthauza kuti simudzasowa kulipira ngongole pazinthu monga zoyezetsa zakuthupi chaka ndi chaka, mamemografia chaka ndi chaka, komanso katemera wamba. Ngakhale zikhoza kuwoneka ngati kusamalidwa kwachangu kuli mfulu, si. Mmalo mwake, mtengo wa chisamaliro chotetezerawu umaphatikizidwa mu premium yowonjezera inshuwalansi yowonjezera kaya mukugwiritsa ntchito chisamaliro chanu kapena ayi.