Mfundo 7 Zothandiza Kuti Mukhale ndi Thanzi Labwino Mwanzeru
Ngati muli watsopano inshuwalansi yathanzi muli mfundo zisanu ndi ziwiri zofunika zomwe muyenera kumvetsetsa kupewa zodabwitsa zachuma. Ngati simukumvetsa mfundo zazikuluzikulu, simungasankhe ndondomeko yaumoyo mwanzeru kapena mugwiritse ntchito inshuwalansi ya umoyo bwino.
Kugawana Ndalama
Kampani yanu ya inshuwalansi ya inshuwalansi sidzalipira ndalama zanu zonse zothandizira. Ndiwe ndi udindo wolipira mbali ya ngongole za chithandizo chamankhwala ngakhale mutakhala ndi inshuwalansi ya thanzi.
Izi zimadziwika ngati kugawa ndalama chifukwa mumagawana mtengo wa chisamaliro chanu ndi kampani yanu ya inshuwalansi.
Njira zitatu zomwe zimagwiritsira ntchito ndalama zambiri zimakhala zochepa, zolipilira , komanso ndalama zothandizira ndalama . Mapulani ena azaumoyo amagwiritsa ntchito njira zitatu, pamene ena angagwiritse ntchito chimodzi kapena ziwiri. Ngati simukumvetsa zomwe mukuyenera kugawana nazo, mukulephera kudziwa momwe mungayankhire ntchito iliyonse yothandizira.
The deductible ndi zomwe muyenera kulipira chaka chilichonse asanamwalire inshuwalansi kukuthandizani mokwanira ndipo akuyamba kulipira gawo lake. Mwachitsanzo, ngati muli ndi ndalama zokwana madola 1,000, muyenera kulipira ndalama zokwana madola 1,000 zoyambilira zaumoyo wanu asanayambe kulipira inshuwalansi. Mutapereka ndalama zokwana madola 1,000 pazinthu zothandizira zaumoyo, mwakhala mukukumana ndi deductible chaka chomwecho ndipo simudzasowa kulipiritsa mpaka chaka chamawa.
Chifukwa cha Chithandizo Chosafunika Chake, kampani yanu ya inshuwalansi ya tsopano imayenera kulipira chithandizo chamankhwala chodziletsa popanda kufunika kuti muthe kulipira choyamba.
Izi zikutanthauza kuti zidzalipira zinthu monga momwe mukuyesera chaka ndi chaka ndikuwonetsa mamemographie ngakhale simunakumanepo ndi ndalama zanu. Komabe, sungani makola anu kapena mutenge chimfine ndipo mudzakumananso ndi deductible musanayambe bwana wanu.
Phunzirani zambiri zotsalira pa " Deductible-Chimene Ndizo ndi Momwe Zimagwirira Ntchito ."
Mipukutuyi ndi ndalama zochepa zomwe mumalipira nthawi iliyonse mukalandira mtundu wina wa chithandizo chaumoyo. Mwachitsanzo, mungakhale ndi ndalama zokwana $ 40 kuti muwone dokotala. Izi zikutanthawuza nthawi iliyonse pamene muwona dokotala, mumalipira $ 40 ngati ngongole ya dokotala ndi $ 60 kapena $ 600. Kampani yanu ya inshuwalansi imalipira zonse.
Coinsurance ndi kuchuluka kwa ndalama zomwe mumalipirako nthawi iliyonse mukapeza mtundu wina wa chithandizo chaumoyo. Mwachitsanzo, ngati muli ndi ndalama zokwana 30% za chipatala chachipatala komanso chipatala chanu ndi $ 10,000, mudzalipira $ 3,000; kampani yanu ya inshuwalansi idzabwezera $ 7,000.
Phunzirani zambiri za mapepala ndi ndalama zothandizira, zopindulitsa ndi zoyipa za wina aliyense, ndi zodabwitsa zosayembekezereka kuti muyang'ane mu " Kodi Kusiyanitsa Pakati pa Copay ndi Coinsurance? "
Kuchokera Kwambiri-Pocket
Pakati pa mthumba ndilo mfundo yomwe mungaleke kutenga ndalama kuchokera mumthumba lanu kuti muthe kulipira ndalama zokwanira, ndalama zothandizira ndalama komanso ndalama zothandizira ndalama. Mutapereka malipiro okwanira, mapepala ndi ndalama zothandizira kuti mufanane ndi ndondomeko yanu yaumoyo, bwana wanu inshuwalansi adzayamba kulipira ndalama zokwanira 100% za ndalama zomwe mumagwiritsa ntchito pa chaka chonse. Mofanana ndi deductible, ndalama zomwe mwalipiritsa pa kunja-pocket poti resets kumayambiriro kwa chaka chilichonse.
Phunzirani zambiri zazomwe zili kunja kwa " Pocket Out-of-Pocket-How It Works and Why Beware ."
Mapulogalamu Opereka
Mapulani ambiri azaumoyo ali ndi opereka chithandizo chamankhwala omwe apanga mgwirizano ndi ndondomeko yaumoyo kuti athe kupereka chithandizo pa maola omwe akuwombera. Palimodzi, ogwira ntchito zachipatalawa amadziwika ngati othandizira mapulani a zaumoyo . Mapulogalamu othandizira ophatikizira amaphatikizapo osati madokotala okha, komanso zipatala, ma laboratories, malo opangira mankhwala, zipangizo zamakono, zipangizo zamakono, makampani ogwira ntchito zapakhomo, makampani ogwira ntchito zachipatala, malo opaleshoni opita kuchipatala, malo ochiritsira odwala, madokotala ambiri mitundu ya opereka chithandizo chaumoyo.
Othandizira zaumoyo amatchedwa "mu-network" ngati ali mbali ya intaneti yanu yopereka chithandizo, ndi "kunja-network" ngati sali mbali ya mapulogalamu anu othandizira.
Ndondomeko yanu yaumoyo ikufuna kuti inu mugwiritse ntchito ogwiritsira ntchito pa intaneti ndikupatsani chilimbikitso kuti muchite zimenezo. Zolinga zina zaumoyo, kawirikawiri HMOs ndi EPOs , sizilipira kalikonse kachisamaliro chomwe mumalandira kuchokera kwa othandizira zaumoyo kunja. Mukulipira ngongole yanu yonse mukatuluka kunja.
Zolinga zina zaumoyo, kawirikawiri PPOs ndi ndondomeko za POS, kulipira gawo la mtengo wa chisamaliro umene mumalandira kuchokera kwa osowa kunja, koma osapereka ndalama ngati mumagwiritsa ntchito intaneti. Mwachitsanzo, PPO yanga imakhala ndi $ 45 copay kuti ndiwone dokotala wodalirika, koma 50% chitsimikizo ngati ndikuwona wothandizira pa Intaneti. M'malo molipira madola 45 kuti muwone katswiri wamagetsi, ndingathe kumalipira madola 200- $ 300 kuti ndiwonetse katswiri wamagetsi, malinga ndi kuchuluka kwa ndalamazo.
Kutsegulidwa koyambirira
Mapulani ambiri azaumoyo sadzakulolani kupeza chithandizo chilichonse chamankhwala omwe mukufuna, nthawi iliyonse komanso kulikonse komwe mukufuna. Popeza kuti ndondomeko ya thanzi lanu ikuyendetsa mbali ya ndalamazo, idzafuna kutsimikiza kuti mukusowa chithandizo chamankhwala omwe mukupeza, ndipo mukuchipeza mwachikhalidwe.
Imodzi mwa njira zothandizira odwala zaumoyo amagwiritsira ntchito kukwaniritsa izi ndizofunikira chisanafike . Ngati ndondomeko ya thanzi lanu ili ndi imodzi, zikutanthauza kuti muyenera kulandira chilolezo chaumoyo musanapeze mtundu wina wa chithandizo chaumoyo. Ngati simukupeza chilolezo choyamba, ndondomeko yaumoyo idzakana kulipira ndipo mudzasungidwa ndi ndalamazo.
Ngakhale kuti ogwira ntchito zaumoyo nthawi zambiri amapeza ntchito zisanavomerezedwe kwa inu, ndiye potsiriza udindo wanu kutsimikizira chirichonse chomwe chiyenera kukhala chisanayambe chitavomerezedwa kale. Pambuyo pake, ndiwe amene amatha kulipira ngati phazilo lathyoka, kotero buck kwenikweni amasiya nanu.
Chofunika Choyambirira Chovomerezeka-Chifukwa Choyenera Kusamala .
Zolinga
Kampani yanu ya inshuwalansi ya umoyo sangathe kulipira ngongole zomwe sadziwa. Bungwe la inshuwaransi ya umoyo ndi momwe njira zambiri zaumoyo zimadziŵira za bili ya chisamaliro. Muzinthu zambiri zaumoyo, ngati mumagwiritsa ntchito intaneti, wothandizirayo adzatumizira malingaliro anu kwa inshuwalansi yanu yathanzi. Komabe, ngati mutagwiritsa ntchito wotulutsira kunja, ndiye kuti ndiwe woyenera kufotokoza.
Ngakhale ngati simukuganiza kuti ndondomeko yanu yathanzi idzapereke chirichonse pazomwe akufunira, muyenera kulipaka. Mwachitsanzo, ngati simukuganiza kuti dongosolo lanu labwino lidzalipiritsa chifukwa simunakumanepo ndi deductible yanu, muyenera kufotokozera ndalamazo kuti ndalama zomwe mukulipira zidziwike kuti muli ndi deductible. Ngati ndondomeko ya thanzi lanu sidziwa kuti mwakhala mutagwiritsa ntchito madola 300 pa chithandizo cha khungu lamphongo, sizingatheke kuti ndalama zokwana madola 300 zotsatizana ndi ndalama zanu.
Kuonjezerapo, ngati muli ndi akaunti yogwiritsira ntchito ndalama zomwe zimakubwezerani ndalama zothandizira zaumoyo zomwe simunapereke ndi inshuwalansi yanu, FSA sichidzakubwezerani mpaka mutha kusonyeza kuti inshuwalansi yanu siinalipire. Njira yokha yomwe mungasonyezere izi ndi kufotokoza malonda anu ndi inshuwalansi yanu.
Zikondwerero
Ndalama yomwe mumalipira kuti mugule inshuwalansi ya umoyo imatchedwa inshuwalansi ya premium . Kawirikawiri, mumayenera kulipira malipiro a inshuwalansi mwezi uliwonse. Ngati simukulipira mwezi umenewo, mukhoza kukhala ndi inshuwalansi yathanzi.
Nthawi zina simumalipiritsa mwezi uliwonse. Izi zimakhala zachilendo mukalandira inshuwalansi ya umoyo wanu pantchito yanu. Ndalama ya mwezi uliwonse imachokera pa malipiro anu onse, koma abwana anu amaperekanso gawo la mwezi uliwonse. Izi ndi zothandiza popeza simukunyamula katundu yense, koma zimapangitsa kuti zikhale zovuta kumvetsetsa mtengo komanso mtengo wa inshuwalansi ya umoyo wanu.
Ngati mumagula inshuwalansi yanu kuntchito yodalirika ya Care Act yothandizira inshuwalansi , mungathe kuitanitsa ndalama zothandizira boma kuti muthe kulipira malipiro anu pamwezi. Zothandizira zimachokera kumalipiro anu ndipo zimaperekedwa kwa kampani yanu ya inshuwalansi yathanzi kuti mupange gawo lanu la phindu la mwezi uliwonse kuti likhale losawonongeka. Phunzirani zambiri za Affordable Care Act wothandizira inshuwalansi mu " Kodi Ndingapeze Thandizo Kudzera Inshuwalansi? "
Kulembetsa Otsegula ndi Kulembetsa Kwambiri
Simungathe kulemba inshuwaransi ya umoyo nthawi iliyonse yomwe mukufuna; mumaloledwa kulemba inshuwaransi pa nthawi zina. Izi ndikuteteza anthu kuti asayese kusunga ndalama podikirira mpaka atadwala kugula inshuwalansi ya thanzi .
Mutha kulemba inshuwalansi ya umoyo pa nthawi yolembera . Olemba ntchito ambiri ali ndi nthawi yolembera kamodzi pachaka, kawirikawiri m'dzinja. Medicare ili ndi nthawi yolembera nthawi yotsegulira. Ndalama Zosayembekezereka Zophatikizapo za inshuwalansi zaumoyo zimakhalanso ndi mwayi wolembetsa kamodzi pachaka. Ngati simukulembera inshuwaransi ya umoyo pa nthawi yolembera, muyenera kuyembekezera nthawi yotsatira yolembera, nthawi zambiri pachaka, pa mwayi wotsatira.
Chosiyana ndi lamulo ili, chifukwa cha zochitika zina, ndi nthawi yolembera yapadera. Nthawi yolembetsa yapadera ndi nthawi yochepa pamene muloledwa kulemba inshuwalansi ya umoyo ngakhale kuti si olembetsa. Nthawi zolembera zapadera zimayambitsa pamene umataya inshuwalansi ya moyo wanu kapena kusintha kwa kukula kwa banja. Mwachitsanzo, ngati mutaya ntchito yanu ndi inshuwalansi ya ntchito yanu, izi zingayambitse nthawi yanu yolembera pa inshuwalansi ya umoyo wanu ndikukupatsani masiku 30-60 kuti mulembele ndondomeko ya zaumoyo ngakhale kuti si kulembetsa.
Phunzirani zambiri za nthawi yolembera, momwe amagwirira ntchito, ndi chiyani chomwe chimawachititsa kuti " Kodi Nthawi Yolembera Yapadera Ndi Chiyani? "