Kwa zaka zingapo zapitazo, pakhala nkhani zambiri zokhudzana ndi zipatala kupempha odwala kuti azilipiritsa ndalama zawo asanapereke thandizo lachipatala. Nchifukwa chiyani izi zikuchitika, ndipo ogula amafunika kudziwa chiyani kuti ayende njira yathu yathanzi?
Mmene Zinakhalira
M'mbuyomu, amavomerezedwa kuti odwala amayenera kulipira ndalama zawo pa nthawi ya utumiki, koma malipiro omwe amawerengedwa ku deductible angayesedwe pambuyo pake.
Kotero ngati ndondomeko ya thanzi lanu ili ndi $ 20 a payipi pa ofesi ya ofesi, ofesi ya dokotala ikanaikusonkhanitsa pamene mudadza kukonzekera. Koma ngati ndondomeko yanu inali ndi madola 2,000 ndipo mutapita kukachita opaleshoni, simunalipire kalikonse panthawi ya opaleshoniyi, koma mutalandira ndalama kuchokera kuchipatala patangotha masabata angapo.
Choyamba, iwo angatumize malingaliro anu kwa inshuwalansi yanu, komwe ndalamazo zikanati ziwerengedwe ndi ndalama zomwe zingakhale zitalembedwa. Ndiye inshuwalansi amalipira gawo lawo, ndipo adziwe chipatala za gawo la wodwalayo. Panthawi imeneyo, chipatalacho chikutumizirani kalata ya ndalama zanu komanso ndalama zothandizira.
Nchifukwa chiyani odwala akuwonjezeredwa patsogolo?
Mwina mungapeze kuti chipatala chanu chimagwiritsa ntchito mwambo wodikira kukulemberani kalata mpaka mutatha kukonza kwanu ndipo kampani yanu ya inshuwalansi yayendetsa ndalama yanu.
Koma zikufala kwambiri kuzipatala kukapempha kulipira-gawo kapena phindu-la deductible musanamangidwe chithandizo chamankhwala.
Izi zimachokera ku zifukwa zosiyanasiyana, kuphatikizapo kuchuluka kwa ndalama zachipatala komanso kuwonjezeka kwa ndalama zokwanira komanso ndalama zowonjezera. Koma kawirikawiri, lingalirolo ndiloti zipatala sizifuna kukhala ndi ngongole zopanda malipiro.
Amadziŵa kuti atatha kukwaniritsa, odwala akhoza kapena sangalipire gawo la ndalama zomwe alipira. Chipatalachi chingatumize odwala kupita kumagulu, koma kupeza malipiro apamwamba ndi njira yowonjezera yowonetsetsa kuti ndalamazo zilipidwa.
Kodi Ndiyenera Kuchita Chiyani Ngati Chipatala Chimafuna Kulipira Pamwamba?
Chabwino, izi ndi zomwe mukufuna kuti mukambirane ndi ofesi yothandizira kuchipatala musanayambe ndondomeko yanu. Kupeza maola 18 asanachitidwe opaleshoni kuti chipatala chikufuna kuti iwe uwalipire ndalama zokwana madola 4,000 nthawi yomweyo ndizosautsa, kunena pang'ono.
Ngati mukukonzekera njira zachipatala komwe ndalama zanu zingagwiritsidwe ntchito, funsani za ndondomeko za chipatala kuyambira pomwepo. Lankhulani ndi inshuwalansiyo kuti muwone ngati ali ndi mgwirizano wamakonzedwe ndi chipatala chomwe chimafuna kuti ndalamazo zizitumizidwa kwa inshuwalansiyo asanaweruzidwe. Ngati sichoncho, chipatalachi chiyenera kuti mukufuna kulipira gawo limodzi la ndalama zomwe zilipo.
Ngati simukukayikira, ndibwino kulankhulana ndi dipatimenti ya inshuwalansi ya boma lanu kuti muwone ngati ali ndi uphungu uliwonse wokhudza malamulo ndi malamulo mu boma omwe akukhudzana ndi machitidwe a kulipira mankhwala. Mukamudziwa zambiri, ndibwino kuti muziyenda njira.
Kodi Mudzachita Zambiri Motani?
Funsani chipatala kuti akupatseni chiwerengero cha zomwe mudzayenera kuchita, kukumbukira kuti ndalama zogwiritsira ntchito zachipatala ndizochepa kwambiri kusiyana ndi ndalama zogulitsa. Mwachitsanzo, tizinena kuti deductible ndi $ 5,000, mukukonzekera MRI, ndipo simunalipirepo kalikonse pa ndalama zanu za chaka. Pafupifupi mtengo wa MRI ndi oposa $ 2,600, ngakhale kuti umasiyana kwambiri kuchokera kuchipatala china kupita ku china. Ndipo zilizonse zomwe chiwerengero cha chipatalachi chikhoza kukhala chokwera kwambiri kuposa chiwerengero chomwe amalangizi anu ali nacho ndi chipatalachi. Chipatalachi chikhoza kubwereka madola 2,000, koma inshuwalansi ya negotiation ingakhale $ 1,295, mwachitsanzo.
Zikatero, ndalama zomwe mumayenera kulipiritsa pa deductible zanu zidzakhala $ 1,295, osati $ 2,000 .
Izi sizovuta ngati mutakhala ndi ndondomeko yomwe nthawi zambiri imakhala yotsika mtengo kuposa ndalama zanu. Ngati mwatsala pang'ono kukhala ndi mawondo, zomwe zili pafupi ndi $ 50,000, ndipo deductible ndi $ 5,000, mudzayenera kulipira deductible zonse. Chipatalachi chingakufunseni kulipira zonse kapena mbali yake patsogolo, kapena akhoza kukulipirani atapereka chilolezo kwa inshuwalansi yanu, koma simukupeza kuti mudzayenera kulipira $ 5,000.
Mu chitsanzo choyambirira cha MRI, komabe, ndalama zomwe mumayenera kulipira sizidziwika mpaka wanu inshuwalansi atayesa zomwe akunenazo. Ngati chipatala chikukufunsani kuti mulipire gawo lanu la ndalama zomwe simunalipereke ndipo simudziwa bwinobwino momwe mungagwiritsire ntchito ngongole, onetsetsani kuti mukukambirana nkhaniyi ndi inshuransi musanapereke ndalama kuchipatala. Njira imodzi, mungafune kuonetsetsa kuti mukulipira ndalama zomwe EIB yanu ya inshuwalansi imanena kuti muli ndi ngongole, osati ndalama zomwe chipatalachi chimapereka.
Kodi Pali Mphatso Yowonjezera Ilipo?
Mzipatala zikugwirabe ntchito kwambiri ndi mabanki kukhazikitsa mapulani a odwala amene amawafuna, nthawi zambiri popanda chidwi ndi kupezeka komwe sikudalira mbiri yakale ya ngongole. Ngati chipatala chikukupemphani kuti mulipereke ndalama zanu musanapite kuchipatala ndipo palibe njira yeniyeni yomwe mungachitire, funsani za kuthekera kwa mapulani.
Chipatalachi chikufuna kuti mupeze chisamaliro chomwe mukusowa ndikuchira, koma safunanso kukhala ndi ngongole ngati simungathe kulipira gawo lanu. Ndondomeko ya malipiro yomwe imalola odwala kutulutsa kalata yawo pa miyezi ingapo kapena zaka ndi yabwino kwa wodwalayo wopanda chisamaliro kapena chipatala chomwe sichilipidwa konse. Ngati simungathe kulipira ndalama zomwe akukupempha, fotokozani ndalama zomwe mungathe kulipira, ndipo funsani ngati angakupatseni malipiro ena onse.
Funsani ngati pali woyang'anira mulandu kapena wogwira nawo ntchito pa chipatala omwe angathandize odwala poyenda njira yobweza ndikulipilira. Simusowa kuti mudziwe nokha, ndipo zingatheke kuti zofunikira zothandizira kuchipatala zingakhale zosasintha kusiyana ndi zomwe zikuwonekera poyamba.
Malinga ndi ndalama zanu, mufunsanso kufunsa za pulogalamu ya chisamaliro chachipatala, kapena ngati angathe kulemba gawo lanu la ndalama malinga ndi ndalama zanu.
Kodi Mzipatala Zimakana Kudzisamalira Chifukwa cha Mphamvu Zopereka?
Nthawi zina pamakhala zolakwika zokhuza udindo wa zipatala powasamalira mosasamala kanthu za kukhoza kwa wodwalayo. Kuchokera m'chaka cha 1986, Emergency Medical Treatment and Labor Act (EMTALA) yafuna zipatala zonse zomwe zimalandira mankhwala a Medicare (omwe ali pafupi ndi zipatala zonse ku US) kupereka chithandizo ndi kuonetsetsa kwa odwala omwe amabwera m'chipinda chodzidzimutsa, kuphatikizapo akazi ogwira ntchito kugwira ntchito, mosasamala kanthu za momwe wodwala alili ndi inshuwalansi kapena kuthekera kulipira chisamaliro.
Chipinda chodzidzimutsa chiyenera kuwonetsa odwala onse kuti azindikire kuti vutoli ndi chiyani, komanso kuti apereke chitsimikizo-sangalole wodwala kuti aphedwe pansi chifukwa cha kusowa ndalama. Koma samasowa kupereka chilichonse chimene sichikhoza kukhazikika ngati sakudziwa kuti wodwalayo adzatha kulipira, ndipo EMTALA sichitha kuwonjezera pa chithandizo china.
Choncho chithandizo chokonzekera chisanachitike sichidzakhala pansi pa malamulo omwe amafuna kuti zipatala zisamalire mosasamala kuti wodwalayo angathe kulipira.
Kuwonjezereka Kwambiri Kuika Odwala ndi Achipatala Pachikhalidwe Chovuta
Mtengo wosavomerezeka wachepetsedwa kwambiri chifukwa Chachikulu cha Care Act chinayendetsedwa. Malingana ndi US Census data , 14.5 peresenti ya anthu a ku United States sanavomerezedwe mu 2013, ndipo izi zinagwera pa 8.6 peresenti pofika 2016. Ngakhale kuti izi ndizo zabwino, ena mwa anthu atsopanowa ali apamwamba kwambiri ndalama.
ACA imalepheretsa kuti ndalama zowonjezera zowonjezera zingatheke , koma malire omwewo ndi okwera kwambiri. Mu 2018, ndondomeko zaumoyo zitha kukhala ndi ndalama zoposa ndalama zokwana madola 7,350 kwa munthu aliyense komanso $ 14,700 kwa banja. Ndipo chaka cha 2019, HHS yanena kuti kuwonjezeka kwa ndalama zapamwambazi zikhale madola 7,900 ndi $ 15,800, motero. Mapulani ambiri a zaumoyo ali ndi malire ochepa omwe ali pansi pa ndalamazo, koma zoperekera pamakonzedwe amodzi a malonda nthawi zambiri zimakhala madola zikwi zambiri ( kuchepetsa kugawanitsa ndalama zowonjezera kuchepetsa ndalamazi kwa anthu omwe ali oyenerera, malinga ngati akusankha siliva Sungani mu kusinthanitsa).
Ndondomeko zothandizira ogwira ntchito zimayenera kutsata chikhomo cha ACA pa ndalama zowonongeka, komabe zimakhala ndi ndalama zowonongeka komanso zochepa zomwe zimakhala zochepa kusiyana ndi zomwe zili pamsika. Mu 2017, pafupifupi deductible kwa anthu okhala ndi inshuwalansi yothandizira inshuwalansi inali $ 1,221, koma izi zinali ndi mwayi 19 peresenti ya ogwira ntchito ophimba omwe alibe deductible nkomwe. Tikangoganizira za 81 peresenti ya ogwira ntchito omwe ali ndi ndalama zokwanira, amadula ndalama zokwana madola 1,500.
Koma bungwe la Federal Reserve linanena kuti mu 2017 kuti 44 peresenti ya anthu omwe anafunsidwa pa kafukufuku wawo wa Economics of Household and Making Decision sakanatha kubwera ndi $ 400 kuti akwaniritse ndalama zosadalirika, kapena ayenera kugulitsa chinachake kuti apeze ndalamazo. Izi zimapereka chidziwitso pamene anthu ali ndi zosayembekezereka koma zofunikira kuchipatala komanso mwachilungamo deductible.
Amaperekanso chithandizo cha zipatala, chomwe chimagwira ntchito limodzi ndi kupereka chithandizo kwa anthu am'deralo, komanso kuti apeze ndalama zokwanira kuti azigwiritsa ntchito bwino ndalama. Kufuna kulipira kwapadera kwa gawo limodzi la deductible ndi njira imodzi ya zipatala kupeŵa zochitika zomwe odwala amathera sangathe kulipira ngongole zawo.
Ganizirani za HSA Ngati Mukupeza HDHP
Ngati bwana wanu amapereka ndondomeko yathanzi ya HD HP yokhala ndi HSA , kapena ngati mukugula inshuwalansi yanu pamsika, ganizirani kulemba mu HDHP. Sizolondola kwa aliyense, koma ngati muli ndi HDHP, mukhoza kupereka ndalama zisanapereke msonkho kwa HSA, ndipo zidzakhalapo ngati mukufunikira.
Mu 2018, mutha kupereka ndalama zokwana madola 6,900 ku HSA ngati muli ndi kachilombo ka HIV pansi pa HDHP, ndipo mpaka $ 3,450 ngati muli ndi chidziwitso chokhacho pansi pa HDHP. Ngakhale mutapereka ndalama pokhapokha mwezi uliwonse, izo ziwonjezeredwa pakapita nthawi, ndipo palibe "kuzigwiritsa ntchito kapena kutaya" kupereka-ndalamazo zimakhalabe mu akaunti yanu mpaka ngati mukufunika kuchotsa. Mungathe kumanga chithunzithunzi mu HSA pamene muli ndi chithunzi pansi pa HDHP, ndipo muchotsereni panthawi ina kuti mudzapeze ndalama zamtsogolo zam'chipatala, ngakhale mutakhala ndi kachilombo ka HDHP nthawi imeneyo.
Choncho mfundo yochotseramo apa ndi yakuti ngati muli ndi mwayi wopanga ndondomeko ya HSA, kulowetsamo ndikupereka zopereka kwa HSA zidzakuthandizani kuti mukhale ovuta kuthana ndi zomwe zingatheke mtsogolo muno pamene chipatala chikukufunsani kuti mubwezeretu ndalama zambiri ndalama patsogolo musanapeze chithandizo chamankhwala.
Ngati abwana anu akupereka ndi FSA, izi ndizo zabwino, koma kumbukirani kuti osagwiritsidwa ntchito ndalama mu HSA yanu adzakhalabe mu akaunti kuyambira chaka chimodzi kupita kwina- sizomwe zili ndi FSA ndalama .
> Zotsatira:
> Bungwe la Maboma ku Bungwe la Federal Reserve. Cholengeza munkhani. Bungwe la Bungwe Loyang'anira Bungwe la Bungwe Loyang'anira Bungwe la Federal Reserve linakamba Lipoti pa Economic Economic-Being of the US. May 19, 2017.
> Federal Register. Chitetezo cha Odwala ndi Zopanda Thandizo Labwino; 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.
> Federal Register. Chigamulo Chokhazikitsidwa: Woteteza Wodwala ndi Wodalirika Care Act; Chidziwitso cha HHS cha Kupindula ndi Kulipira Malipiro a 2019. November 2, 2017.
> Kaiser Family Foundation. Mapulogalamu a zaumoyo ogwira ntchito, 2017 Annual Survey. September 19, 2017.
> Bungwe la Kuchuluka la Anthu ku United States. Inshuwalansi ya Umoyo ku United States: 2016 . September 12, 2017.