Zingakhale Zowonjezereka ku Inshuwalansi ya Zaumoyo, Koma Inu Simungasowe Mmodzi
Inshuwalansi yowonjezeredwa ndi inshuwalansi yowonjezera kapena yowonjezera yomwe mungagule kuti ikuthandizeni kulipira mautumiki ndi ndalama zomwe simungathe kuziika.
Zina zothandizira inshuwalansi zimapereka ndalama zothandizira zachipatala, monga deductibles, copayments, ndi coinsurance. Zolinga zina zowonjezerapo zingakupatseni ndalama zomwe mumapereka kwa nthawi yaitali kapena mupatsidwa ndalama imodzi.
Ndalamayi ingagwiritsidwe ntchito polemba malipiro otayika, kayendetsedwe ka kayendetsedwe ka thanzi lanu, kapena kugula chakudya, mankhwala, ndi zina zomwe simukuziyembekezera chifukwa cha matenda kapena kuvulala.
A Dr. Mike Tip: Inshuwalansi yowonjezerapo ndiyo - yowonjezeretsa, kapena kuwonjezera. Sikuti umalowetsanso inshuwaransi yathanzi nthawi zonse!
Medigap - Medicare Supplemental Inshuwalansi
Imodzi mwa mitundu yowonjezera ya inshuwalansi ya supplemental ndi Medigap , yomwe ingagulitsidwe ndi makampani a inshuwalansi okhaokha kwa anthu olembera ku Original Medicare (mapulani a Medigap sangathe kulembedwa ndi mapulani a Medicare Advantage ).
Choyamba Medicare (chomwe chimaphatikizapo Gawo A A Inshuwalansi ya Chipatala ndi Gawo B Inshuwalansi ya Zamankhwala ) amalipira ambiri, koma osati onse, ntchito zokhudzana ndi thanzi komanso mankhwala. Mungathe kugula inshuwalansi yowonjezerapo kuti mubweretse ndalama zina zomwe simungayambe kuzigwiritsa ntchito poyambirira pa Medicare, mwachitsanzo, "mipata," yomwe ikuphatikizapo ndalama, ndalama zothandizira ndalama, komanso zopereka ndalama.
Izi zingawonjezere ndalama zambiri, makamaka ngati mwakhala kuchipatala kapena mukusowa ntchito zothandizira anthu okalamba.
Ndipo m'pofunika kudziwa kuti palibe malire a momwe ndalama zanu zogwirira ntchito zogwirira ntchito zingakhale pansi pa Pulezidenti wa Medicare popanda dongosolo la Medigap (mosiyana ndi ndondomeko ya Medicare Advantage ndi inshuwalansi yapadera kwa anthu osakwana 65, chovala cha mthumba ).
Kawirikawiri, Medigap imangotenga ndalama zokhazokha zomwe zimaperekedwa ndi Medicare (mwachitsanzo, iwo salipira zomwe Medicare sizikuphimba konse), koma ndondomeko zina za Medigap zidzalipira pazinthu zina zaumoyo kunja kwa United States, zomwe sizinapangidwe ndi Medicare. Ngati mwalembera ku Original Medicare (Mbali A ndi B) ndipo muli ndi ndondomeko ya Medigap, oyamba Medicare amalipira gawo lake la ndalama zomwe zimagwiritsidwa ntchito ndi Medicare chifukwa cha ndalama zanu zothandizira. Ndiye ndondomeko yanu ya Medigap imapereka gawo lake la mtengo.
Pakalipano pali mapulani a Medigap omwe angapeze ndalama zonse zopezeka pamagulu a Medicare, koma mapulaniwa sadzagulitsanso kuyambira 2020, chifukwa cha Medicare Access ndi CHIP Reauthorization Act ya 2015 (MACRA) . Kuyambira mu 2020, sipadzakhalanso ndondomeko za Medigap zomwe zidzatengedwe ndi Medicare Part B.
Pakali pano, mapulani a Medigap C ndi F amaphatikizapo kufotokozera gawo la B loperekedwa. Anthu omwe ali kale ndi Medicaid amapanga mapeto a 2019 adzaloledwa kuwasunga, koma olembetsa atsopano sadzaloledwa kuwatenga mu 2020 kapena kupitirira. Medicare Part B yotengedwa ndi $ 183 mu 2018; Nthawi zambiri amakula pang'ono chaka chilichonse.
Mitundu Yambiri Yowonjezera Inshuwalansi
Kuwonjezera pa ndondomeko ya Medigap, mitundu itatu ya inshuwalansi ya umoyo wambiri imagulitsidwa ku US Malamulo awa othandizira angakhale opindula mwaufulu kuchokera kwa abwana anu kapena mungathe kugula limodzi kuchokera ku kampani ya inshuwalansi.
Inshuwalansi Yovuta
Inshuwalansi yovuta kwambiri (yomwe imadziwikanso kuti inshuwalansi yeniyeni) imathandiza kuthetsa vuto lalikulu lachuma la matenda aakulu, monga khansa. Ndondomekozi zingapereke ndalama zothandizira kulipira ndalama zina zomwe zimakhudzana ndi matenda anu koma osati zogwirizana ndi dongosolo lanu lachidziwitso kapena kulumala.
Malingana ndi ndondomeko yeniyeni, kufalitsa kungagwiritsidwe ntchito kulipira:
- zoperewera
- akatswiri otulukira kunja
- kuyenda ndi malo ogona ngati mankhwala ali kutali ndi kwawo
- chithandizo chamayesero, kawirikawiri chokhudzana ndi khansa yothandizira
- kusamalira ana komanso thandizo la pakhomo
- ndalama zowonongeka, monga kubweza galimoto yanu, ndalama zogwiritsira ntchito, ndi kugula
Makhalidwe Abwino Ofa
Pali mitundu iwiri ya ndondomeko za ngozi, kuphatikizapo Inshuwalansi ya Imfa ndi Kusungirako Inshuwalansi (AD & D) ndi Inshuwalansi ya Moyo wa Accident. Nthawi zambiri zimagwirizanitsidwa ndikugulitsidwa pamodzi. Madalitso amasiyana kuchokera ku boma kupita ku boma chifukwa cha malamulo a inshuwalansi.
Kufa mwadzidzidzi ndi ndondomeko ya kukhumudwa kukubwezerani ndalama zopindula ngati muli ndi mwayi wopindula ndi munthu amene adafa pangozi. Ndondomekozi zingaperekenso ndalama zing'onozing'ono ngati munthuyo sanafe pangozi koma adataya thupi, maso, kapena anafa ziwalo. AD & D inshuwalansi salipilira imfa iliyonse yokhudzana ndi matenda, kudzipha, kapena chilengedwe.
Inshuwalansi ya zachipatala ya ngozi (yomwe imadziŵikanso ngati ndondomeko ya chithandizo chachipatala cha ngozi, kapena kungowonjezera ngozi) ingapereke ndalama zothandizira odwala chifukwa cha ngozi yomwe siinakwaniritsidwe ndi inshuwalansi yanu ya nthawi zonse. Zina mwa ndondomekozi zingathenso kulipira mautumiki apadera, komanso kuyenda ndi malo ogona achibale.
Malamulo othandizira anthu odwala ndi otchuka ndi anthu odwala omwe amagula mapulani a inshuwalansi a zachuma; Ngozi zingathe kuchitika kwa anthu omwe ali ndi thanzi labwino, ndipo zowonjezera zingathandize kuthandizira zonse kapena gawo limodzi la ndalama zomwe zimadulidwa ndi zina zomwe zimakhala kunja kwa inshuwalansi.
Insurance Insemnity Insurance
Inshuwalansi ya Chipatala (yomwe imadziwikanso kuti Insurance Confinement Insurance) imapereka phindu la ndalama ngati "mutsekeredwa" kuchipatala chifukwa cha matenda kapena kuvulala koopsa. Zopindulitsa ndalama - zimatengedwa mu mtengo umodzi kapena monga malipiro a tsiku ndi tsiku kapena a sabata - sizingayambe mpaka pambuyo pa nthawi yochepa ya kuyembekezera. Mofanana ndi mitundu ina ya inshuwalansi yowonjezereka, kufotokozera kwina kukuthandizani kulipira mautumiki ndi zinthu zofunikira zomwe sizinapangidwe ndi ndondomeko yanu yathanzi, koma kuonjezerapo kwina sikokwanira kukhala kokha kokha kope la inshuwalansi.
Wogula Samalani - Simungasowe Chowonjezera Chowonjezera
Zolinga za inshuwalansi zowonjezereka zimalimbikitsa kwambiri kulengeza malonda. Ambiri Ambiri amadziwa bakha la Aflac, chizindikiro cha malonda chomwe chamuthandiza Aflac kukhala wamkulu kwambiri wothandizira inshuwalansi ku US.
Ngakhale malamulo ambiri othandizira ena sali okwera mtengo, kufotokozedwa mobwerezabwereza kungakhale kosafunikira. Ngati muli ndi zaka zoposa 65 ndipo muli ndi Medicare, mukhoza kupeza chithandizo chokwanira chaumoyo omwe mukufunikira pogula ndondomeko ya Medigap kapena kulembetsa dongosolo la Medicare Advantage.
Choyamba choyamba ndikutsimikiza kuti inu ndi banja lanu mumatetezedwa ndi dongosolo labwino la thanzi. Ngati mukuganiza kuti mukufunikira inshuwalansi yothandizira, muyenera kudzifunsa mafunso otsatirawa:
- Ngati ine kapena wachibale wathu atachita ngozi kapena akudwala matenda aakulu, kodi ndondomeko yanga yathanzi idzaphimba ndalama za mankhwala?
- Kodi ndili ndi njira zowonjezera ndalama zomwe ndingachite potsatira ndondomeko yanga yathanzi, komanso ndalama zowonjezera zomwe ndingapite ndikudwala komanso / kapena kusiya ntchito kwa nthawi yaitali?
- Ndizotheka bwanji kuti ine kapena membala wa banja lathu tidzakhala pangozi yaikulu kapena tidzakhala ndi matenda aakulu?
- Kodi ndalama zowonjezerapo za inshuwalansi zowonjezereka zimakhala zomveka m'kupita kwanthawi?
Kuwonjezera apo, musanagule ndondomeko yowonjezereka, nkofunika kumvetsetsa zoperewera ndi phindu la inshuwalansi. Mwachitsanzo, ndondomeko yanu yowonjezerapo silingabweretse ndalama zomwe munkayembekezera; Zingathe kulembetsa nthawi yoyembekezera musanayambe kulipira; kapena, muli ndi malire okhudzana ndi kuchuluka kwa ndalama zomwe munalipira komanso kwa nthawi yaitali bwanji.
Dziwani kuti inshuwalansi yowonjezereka siyiyendetsedwa ndi Wopindulitsa Care Act. Izi zikutanthawuza kuti zowonjezerapo zowonjezereka zikhoza kukhazikitsa zovomerezeka pa mbiri yachipatala, kuika malire pa zinthu zomwe zakhalapo kale, ndi-mwachikhalidwe cha mapulaniwa-mapepala a pulogalamu pazomwe zimakhala zochepa. Zimakhala zachilendo kuona zolinga zowonjezerapo ndi malire opindulitsa omwe amachokera ku madola zikwi zochepa mpaka madola mazana angapo. Ndondomekozi zingakhale zowonjezerapo ku inshuwalansi yaumoyo yomwe muli nayo, koma siinayesedwe kuti ikhale yokhayokha ngati nkhani yanu yokhayo. Iwo sali ochepa oyenera kufalitsa, kotero anthu omwe amadalira pa iwo popanda zolemba zina adzagonjetsedwa ndi chilango cha ACA payekha kuti asakhale osatsimikiziridwa.
Musanayambe kulemba mzere wazitali, onetsetsani kuti mumvetsetsa ubwino ndi zoperewera za inshuwaransi. Ndipo, samalani ndi nsomba ya bakha!
A Dr Mike Wopatsa Malangizo
National Association of Inshuwalansi Commissioners ali ndi kabuku kabwino kwambiri pa kabuku kakuti: Shopper Guide to Cancer Inshuwalansi .
> Zotsatira:
> Congress.gov. HR2, Medicare Access ndi Chip Reauthorization Act wa 2015.
> Medicare.gov. Gawo B Ndalama.