Zambiri zaumoyo zimapanga onse deductible ndi coinsurance . Kumvetsetsa kusiyana pakati pa deductible ndi coinsurance ndi gawo lalikulu lodziŵa zomwe mudzayenera kuti mugwiritse ntchito inshuwalansi ya umoyo wanu.
Deductible ndi coinsurance ndi mitundu ya inshuwalansi yothandizira ndalama ; mumalipira mbali ya mtengo wa chisamaliro chanu chaumoyo, ndipo dongosolo lanu la thanzi limapereka gawo la mtengo wa chisamaliro chanu.
Zimasiyana ndi momwe zimagwirira ntchito, kuchuluka kwa momwe muyenera kulipira, komanso pamene mukulipira.
Kodi Deductible ndi chiyani?
Dipatimenti ya deductible ndi ndalama zomwe mumapereka chaka chilichonse musanayambe inshuwalansi ya umoyo wanu (ngati muli ndi Medicare Part A -chifukwa chakuti mukudwala matenda opatsirana pogwiritsa ntchito mankhwalawa - deductible ikugwira ntchito "nthawi yopindulitsa" osati chaka). Mukatha kulipira ndalama zanu, ndondomeko yanu yathanzi imayamba kutenga gawo lanu la ndalama zothandizira. Apa ndi momwe zimagwirira ntchito.
Muli ndi ndalama zokwana madola 2,000. Mukupeza chimfine mu Januwale ndikuwona dokotala wanu. Bill ya madola ndi $ 200. Inu muli ndi udindo pa bili yonse popeza simunalipire ndalama zanu chaka chino (chifukwa cha chitsanzo ichi, tikuganiza kuti mapulani anu alibe ofesi ya maofesi akuyendera, koma m'malo mwake, amawerengera milandu yanu) . Pambuyo pa kulipira ndalama zokwana madola 200 a dokotala, muli ndi $ 1,800 zokha kuti mupite pa deductible yanu pachaka.
Mu March, iwe umagwa ndi kuswa mkono wako.
Ndalamayi ndi $ 3,000. Mukulipira ndalama zokwana madola 1,800 musanayambe kukumana ndi $ 2,000 pachaka ($ 200 kuchokera kuchipatala, kuphatikizapo madola 1,800 a mtengo wophwanyika). Tsopano, inshuwaransi yanu ya umoyo imakwera ndipo imakuthandizani kulipira ndalama zonse.
Mu April, mumachotsa kuchotsedwa kwanu. Ndalamayi ndi $ 500.
Popeza mwakhala mukukumana ndi deductible kwa chaka, simusowa kulipiranso kwa deductible yanu. Inshuwaransi yanu ya umoyo imapereka gawo lonse lathupilipili.
Komabe, izi sizikutanthawuza kuti inshuwalansi ya umoyo ikhoza kubweza ngongole yonse ndipo simudzalipira kalikonse. Ngakhale kuti mwathera kulipira kwanu pachaka, mutha kulipira ngongole kapena ndalama.
Kodi Coinsurance Ndi Chiyani?
Coinsurance ndi mtundu wina wa kugawana mtengo komwe mumalipirako ndalama zina zomwe mumagula, ndipo inshuwalansi yanu imabereka ndalama zina zomwe mumagula. Ndilimbikitso, mumalipira kuchuluka kwa ndalama, peresenti ya ndalama iliyonse yothandizira. Apa ndi momwe zimagwirira ntchito.
Tiyerekeze kuti mukuyenera kulipilira 30% ndalama zothandizira mankhwala. Mumadzaza mankhwala a mankhwala omwe amawononga $ 100. Mukulipira ndalama zokwana $ 30; inshuwalansi ya umoyo imalipira $ 70.
Popeza kutsimikiziridwa ndi gawo la mtengo wa chisamaliro chanu, ngati chisamaliro chanu chiri chokwera mtengo, mumalipira zambiri. Mwachitsanzo, ngati muli ndi ndalama zokwanira 25% zothandizira anthu ku chipatala komanso ndalama zanu zothandizira kuchipatala ndi $ 40,000 mudzayenera kulipira ndalama zokwana madola 10,000 zokhazokha mpaka Mphatso Yodalirika Yopereka Chithandizo ikusintha inshuwalansi yathu.
Ndalama zotsimikizirika za kukula kwake sizingaloledwe kupatula ngati muli ndi dongosolo la thanzi labwino .
Ndondomeko zonse zopanda kubwezeredwa zimayenera kutengera ndalama zonse za munthu aliyense (kuphatikizapo deductibles, copays, ndi coinsurance) mopanda malire kuposa zomwe munthu aliyense ali nazo m'chaka chimenecho. Kwa 2016, ndi $ 6,850. Kwa 2017, ndi $ 7,150.
Kodi Deductible vs Coinsurance Amasiyana Bwanji?
Chotsitsa cha deductible , koma ndalama zowonjezera zimapitirira ndikupitirira (mpaka mutagonjetsa chitsimikizo chanu).
Mukatha kupeza deductible kwa chaka, simungathe kulipira ngongole iliyonse mpaka chaka chotsatira (kapena, pa nkhani ya Medicare Part A, mpaka phindu lotsatira). Mwina mukuyenera kulipira mtundu wina wa kugawa ndalama monga mapepala kapena ndalama zothandizira, koma deductible yanu yachitika chaka.
Mudzapitiriza kulipira ngongole iliyonse mukalandira chithandizo chamankhwala. Nthawi yokhazikika kupirira ndi pamene mukufikira pa inshuwalansi yanu. Izi si zachilendo ndipo zimangochitika ngati muli ndi ndalama zambiri zothandizira.
The deductible imakhazikitsidwa, koma coinsurance ndi zosiyanasiyana .
Anu deductible ndi ndalama zokwanira, koma ndalama zanu zimakhala zowerengeka. Ngati muli ndi $ 1,000 deductible, akadali $ 1,000 mosasamala kuti ndalamazo ndi ndalama zingati. Mukudziwa pamene mukulembera ndondomeko yaumoyo momwe ndalama zanu zidzakhalira.
Ngakhale mutadziwa kuti ndalama zanu zapakati pa ndalama ndizoti mukalowetsedwe mu ndondomeko yaumoyo, simudziwa ndalama zomwe mumapeza chifukwa cha ntchito inayake mpaka mutapeza ntchitoyo ndi ndalamazo. Popeza ndalama zanu zimakhala zosawerengeka, peresenti ya ndalamazo, ndalamazo ndizokwanira, mumalipira kwambiri. Izi zimapangitsa kuti inu mukhale osakayika chifukwa chovuta kugawa bajeti. Mwachitsanzo, ngati muli ndi ndalama zokwana madola 20,000, ndalama yanu 30% yokhala ndi ndalama zokwana $ 6,000 (koma kachiwiri, ndalama zanu zonse zogulitsa sizingapitilire $ 7,150 mu 2017).
Deductible vs Coinsurance-Zili Zofanana Bwanji?
Mumalipira gawo la mtengo wa chisamaliro chanu chaumoyo.
Deductible ndi coinsuranceurance amachepetsa kuchuluka kwa ndalama zomwe dongosolo lanu la thanzi likulipira pa chisamaliro chanu pakupanga gawo la tabu. Izi zimapindulitsa ndondomeko yanu yaumoyo chifukwa amalipira zochepa, komanso chifukwa chakuti simungapeze chithandizo chamankhwala chosafunikira ngati mukuyenera kulipira ndalama zanu pamalopo.
Perekani mlingo wochepetsedwa, osati mlingo wokhazikika.
Zolinga zambiri zaumoyo zimakambirana za kuchotsera kwa madotolo ndi ena othandizira zaumoyo mu ogwirizira awo . Zonsezi zimaperekedwa ndipo ndalama zanu zimatsimikiziridwa pa mlingo wogonjetsedwa, osati pa mlingo wokhazikika.
Mwachitsanzo, tiyeni tiyerekeze kuti chiwerengero cha MRI ndi $ 500. Ndondomeko yanu ya thanzi imayendera mlingo wokwana $ 350. Mukapeza MRI, ngati simunakumanepo ndi ndalama zanu, mumalipira madola 350 pa MRI. Izi $ 350 ndizovomerezeka kwa chaka chonse cha deductible. Ngati mwapeza ndalama zanu zokhazokha koma muli ndi ndalama zokwana 20%, muli ndi $ 70 (ndi 20% ya $ 350 kuchotsera mlingo.)
Ndalama yowonongeka imachitika pamene opereka chithandizo cha zaumoyo amalipira ndalama zowonjezereka m'malo mwa chiwerengero chochepetsedwa . Kulakwitsa kumeneku kumakupangitsani kuti mupereke zambiri kuposa momwe mukuyenera, choncho nthawi zonse muwone kaye ngongole ndi zomwe mumalandira kuchokera kwa wothandizira zaumoyo wanu ndi kampani yanu ya inshuwaransi.
Kusinthidwa ndi Louise Norris.
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Chitetezo cha odwala ndi ndalama zothandizira pazinthu zofunikira, Zindikirani za Kupindula ndi Kulipira Zowonjezera za 2016 .
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Chitetezo cha odwala ndi ndalama zothandizira pazinthu zogulira, Zindikirani za Kupindula ndi Kulipira Malipiro a 2017.