Kugawana mtengo kwa ndalama kumatanthauza kuti inu ndi bwana wanu wothandizira maubwino onse mumalipira ndalama zanu pachaka. Bungwe lanu la inshuwalansi la umoyo limafuna kuti mupereke gawo limodzi la mtengo wa ndalama zomwe mumagula kuti musamapereke chithandizo chamankhwala kuti musamagwiritse ntchito ntchito zothandizira, komanso kuti mupitirize kubweza inshuwalansi ya umoyo wanu (ngakhale lingaliro la 100 peresenti likhoza kukhala lalikulu, zikhoza kutsogolera kwa anthu omwe akuchiritsidwa kawirikawiri, ndipo ndalama zowonjezera zikanakhala zikudutsa).
Mitundu yowonjezereka ya kugawana mtengo ndizochepetsedwa, zolipidwa , ndi ndalama zothandizira . Malipiro omwe mumalipira mwezi uliwonse kuti mupeze inshuwalansi ya umoyo samaonedwa ngati mtundu wa kugawana mtengo.
Kugawana mtengo kwa ndalama kumapereka kampani yanu ya inshuwalansi ndalama m'njira ziwiri. Choyamba, mukulipira mbali ya ndalamazo; popeza mukugawana nawo mtengo, amalipira zochepa. Chachiwiri, popeza mukuyenera kulipira gawo limodzi la ndalamazo, ndizowonjezereka kuti muthe kupeza chithandizo chamankhwala mukachifuna.
Kugawana Ndalama & Kwambiri Kuchokera Pocket
Chifukwa chakuti kugawana mtengo kungawononge mtengo ngati muli ndi ndalama zambiri, ndalama zonse (pokhapokha atakhala ndi abambo kapena agogo ) zomwe zimafuna kugawana ndalama komanso zimakhala zochepa zomwe zimapereka kapu momwe kugawidwa kwa ndalama muli ndi udindo pa chaka chilichonse (pa zokambiranazi, nambala zonse zimatanthauzira chithunzithunzi cha ndalama zomwe zili kunja kwa phukusi poganiza kuti mumalandira chisamaliro mkati mwa intaneti yanu ya inshuwalansi; ngati mupita kunja kwa intaneti, mutulutsi wanu chiwongoladzanja chidzakhala chapamwamba, kapena nthawi zina, zopanda malire).
Asanafike chaka cha 2014, panalibe malamulo omwe amasonyeza kuti njira yapamwamba ya thanzi ikhale yotsika kwambiri, ndithudi, ndondomeko zina sizinawononge ndalama zonse, ngakhale zinali zosawerengeka. Koma Zopindulitsa Care Act zinasintha izo, ndipo ndondomeko zatsopano zaumoyo sizingakhale ndi ndalama zoposa zapakati pa $ 6,850-kwa munthu mmodzi-mu 2016 (chipewa chapamwamba chikuwonjezeka kufika $ 7,150 mu 2017).
Kuonjezerapo, kuyambira mu 2016 , munthu mmodzi sangathe kulipira ndalama zambiri kunja kwa ndalama zomwe zimakhalapo kusiyana ndi mwiniwake wa thumba la chaka chimenecho, ngakhale atakhala pansi pa dongosolo la banja m'malo mwake za dongosolo la munthu.
Mutapereka malipiro okwanira, ndalama zothandizira ndalama, komanso ndalama zothandizira ndalama kuti mufike pamtunda wapamwamba, ndondomeko yanu ya thanzi imayimitsa kugawa kwanu ndalama ndipo imatenga 100 peresenti ya ndalama zanu zowonjezera chaka chonse, ndikukuganizirani Pitirizani kugwiritsa ntchito zipatala zamakono ndi madokotala.
Kugawana Ndalama ndi Ntchito Yabwino Yothandizira
The Affordable Care Act inapanga kuchuluka kwa chithandizo chamankhwala chodzitetezera chosagwiritsidwa ntchito kugawana mtengo. Izi zikutanthawuza zinthu monga zaka zoyenera zakale, kufufuza kwa mafuta m'thupi, komanso katemera ambiri sagonjetsedwa ndi ndalama zokwanira, zopereka ndalama, kapena ndalama zothandizira.
ACA imapangitsanso ndalama zothandizira ndalama kuti mugwiritse ntchito inshuwalansi yanu yapamwamba ngati muli ndi ndalama zochepa. Ndalama zopatsana ndalama zimachepetsa ndalama zomwe mumalipira pogwiritsa ntchito ndalama zothandizira, ndalama, komanso ndalama zothandizira nthawi iliyonse mukamagwiritsa ntchito inshuwaransi yanu. Kupatsana ndalama za ndalama zomwe zimaphatikizapo ndalamazo zimangowonjezera mu ndalama zowonetsera ngati ndalama zanu sizipitirira 250 peresenti ya umphawi (chifukwa cha kufotokozera kwa 2017, malipiro apamwamba kuti athe kulandira ndalama zothandizira ndalama ndi $ 29,700 kwa munthu mmodzi $ 60,750 kwa banja la anai).
Nanga bwanji zinthu zomwe inshuwaransi sizikuphimba?
Nthawi zambiri amagwiritsidwa ntchito mosiyana, koma nthawi zambiri anthu amagwiritsa ntchito "kunja kwa mthumba" pofotokozera ndalama zonse zomwe amadzilipira okha, mosasamala kanthu kuti chithandizocho chimaphimbidwa ndi inshuwalansi ya umoyo . Koma ngati chithandizocho sichikuphimbidwa konse, ndalama zomwe mumagwiritsira ntchito sizingaganizidwe kuti ndizogawa ndalama pansi pa ndondomeko yanu, ndipo sizidzawerengera pazomwe mukukonzekera.
Mwachitsanzo, njira zodzikongoletsera monga liposuction kawirikawiri sizitetezedwa ndi inshuwalansi, kotero ngati mutalandira chithandizo chamtunduwu, muyenera kulipira nokha.
Zomwezo ndizofanana ndi chithandizo chamankhwala akuluakulu, kupatula ngati mutakhala ndi inshuwalansi yapadera ya mano . Ngakhale mungaganize kuti ndalamazi ndizo "kunja" (ndipotu zimachokera m'thumba lanu), ndalama zomwe mumagwiritsa ntchito siziwerengera pa dongosolo lanu la thanzi lapamwamba, komanso Imawona kugwirizana kwa ndalama pa dongosolo lanu.
Chifukwa chakuti kugawana mtengo kwambiri kumasiyanasiyana kwambiri kuchokera ku ndondomeko imodzi ya inshuwalansi ya umoyo kupita ku yina, mudzafuna kutsimikiza kuti mumvetsetsa ndondomeko ya ndondomeko yanu musanayambe kugwiritsa ntchito chithandizo chanu, kotero kuti ndalama zomwe mumayenera kulipira musamapereke mankhwala bwerani modabwa.