Ngati mufika pa inshuwalansi yanu yapamwamba chaka chilichonse chaka chilichonse, mungakhale ndi mwayi wosunga ndalama. Ndalama zothandizira ndalama zingakhale zovuta ngati:
- Ali pa mankhwala okwera mtengo
- Amafunikanso kugwiritsidwa ntchito nthawi zambiri
- Ndikusowa chithandizo chamakono chokwanira
Koma, ndalama zanu zapamwamba zothandizira ndizofunika kuti mupeze ndalama ziwiri .
- Mutha kusunga ndalama zomwe mumagwiritsa ntchito monga mapepala, ndalama zothandizira ndalama, komanso zopereka ndalama .
- Mutha kupulumutsa pa inshuwalansi ya inshuwalansi .
Njira zopulumutsa izi zimagwira ntchito kwa anthu omwe amayembekeza kukwaniritsa mapulani awo kunja kwa chaka.
Sankhani Mapulani Ndi Malire Ochepa Ochepa Pogwiritsa Ntchito
Makampani a inshuwalansi a zaumoyo amapereka ndalama zambiri pazinthu zomwe mumagwiritsa ntchito chaka chonse mutatha kukwaniritsa chaka chonse chanu. Chinthu chokhacho chimene mukupitiriza kulipira ndi mwezi wanu wa inshuwalansi wothandizira inshuwalansi , ndi malipiro a mautumiki omwe sali okhudzidwa ndi dongosolo lanu (zinthu monga kusamalira mazinyo akuluakulu, mwachitsanzo, kapena opaleshoni yosankha).
Choncho, ngati mutasankha ndondomeko yathanzi ndi ndalama zochepa zomwe mukuzipeza panopo, mukhoza kusunga ndalama, malingana ndi kusiyana kwa malipiro. Nthaŵi zambiri, mudzapeza kuti malipiro apansi omwe amachokerapo kuposa omwe amachititsa kuti apite patsogolo.
Mmene Mungapezere Chidongosolo Chokhala ndi Malire Ochepa Kwambiri
Fufuzani ndondomeko yokhala ndi ndalama zapamwamba komanso zoperekera ndalama , koma malire ochepa omwe ali kunja.
Popeza anthu ambiri safika pamtunda wapamwamba, apamwamba amatenga ndalama komanso ndalama zochepa zomwe kampaniyo imayenera kulipira pazinthu zothandizira zaumoyo. Izi zimawathandiza kuti azilipiritsa mtengo wapansi.
Podziwa kuti mulipira ndalama zonse zapakati pa chaka, ndalama zapamwamba zoperekedwa ndi ndalama zowonjezera sizikuwonjezera ndalama zanu pachaka.
Ndipotu, popeza mukusankha ndondomeko yokhala ndi malipiro apansi, ndalama zanu pachaka zidzakhala zocheperapo kusiyana ndi zomwe zikanakhalapo pa mapulani omwe ali apamwamba kwambiri - mosasamala kanthu za deductible.
Mwa kuyankhula kwina, chiwerengero chofunika kwambiri ndi chiwonetsero chokwanira, chifukwa inu mukudziwa kuti mufikira malirewo mwa njira imodzi kapena ina. Ziribe kanthu ngati mutapita kumeneko mwa deductible nokha kapena deductible plus coinsurance kuphatikizapo copays, kotero mapulani kupanga kuposa malire a kunja-pocket si ofunika pamene mukukumana ndi ndalama zodzitcha ndalama pa chaka.
Komabe, ndalama zapamwamba zotengera ndalama komanso ndalama zothandizira ndalama zimakhudzidwa kwambiri pamene mumalipira ndalama zanu zongogulitsa, ndikusunthira kuti chiyambi cha ndondomeko ya chaka. Mudzafika pamtunda wapamwamba kwambiri chaka chonse chifukwa ndizowonjezera kuti zosavuta kuzifikira, komanso chifukwa chakuti ndalama zanu zowonjezera komanso ndalama zowonjezera zimapangitsa kuti muthe kulipira chaka.
Sankhani Mapulani Ndi Zomwe Zili M'kati Mthumba koma Choyamba Chachikulu
Njira ina yopulumutsira ndikugula mapulani a inshuwalansi ndi malire omwe ali nawo panopa, koma malipiro ochepa pamwezi. Pamene mudakali ndi ndalama zofanana zopezeka pakapita pachaka, mumasunga ndalama mwezi uliwonse pamtengo wapatali.
Apanso, yang'anirani mapulani ndi ndalama zapamwamba zowonjezera komanso ndalama zowonjezera kuposa ndondomeko yanu yamakono. Ngakhale kuti mufunikira kukhala ndi ndalama zowonjezera miyezi ingapo yapachaka kuti mukwaniritse ndalama zatsopano, mudzakhala ndi chipinda chosungiramo bajeti popeza mutakhala ndi ndalama zochepa pamwezi uliwonse.
Wogula Samalani
Ngati muli ndi matenda omwe amafunikira chisamaliro chofunika kwambiri, nkofunika kumvetsera zowonjezera - kupatulapo kuonjezera ndi kugawana mtengo-za ndondomeko zomwe mukuziganizira. Mufuna kuonetsetsa kuti dongosolo latsopanoli liri ndi intaneti yomwe imaphatikizapo madokotala anu, kapena kuti mungakhale okonzeka ndi kusintha kwa madokotala omwe ali pa intaneti.
Ndipo kumbukirani kuti ndondomeko iliyonse imakhudza mankhwala osiyanasiyana. Mndandanda wa mankhwala ophimbidwa ndi ndondomekoyi umatchedwa formulary , ndipo formularies imasiyanasiyana kuchokera pa mapulani. Ngati mwalembera mosapangidwira ndondomeko yomwe simukuphatikizapo mankhwala anu mu formulary, muyenera kusintha mankhwala kapena mankhwala kapena kulipira ndalama zonse. Chifukwa chakuti ndalama zanu zothandizira zaumoyo ndizowona, ndizofunika kwambiri kuti mufufuze bwinobwino ndondomeko yatsopano yowonjezera zaumoyo musanayambe kusintha.
The Affordable Care Act Amathandiza ndi Zopindulitsa
Thandizo Labwino Lachitetezo limapangitsanso ndalama zothandizira inshuwalansi kuti zithetse kuchepa kwa anthu omwe ali ndi ndalama zochepa (mpaka 250 peresenti ya umphaŵi). Muyenera kuwerenga momwe ndalamazo zimachepetsera mphotho yanu .
Musanayambe Mapulani
- Onetsetsani kuti mudzakhala ndi ndalama zokwanira kumayambiriro kwa chaka chomwe mukufuna kuti muthe kulipira ndalama zoyambirira monga ndalama zotsala komanso ndalama zothandizira ndalama musanakumane ndi malire atsopano ndikuyamba kukolola ndalamazo. Ganizirani za Flexible Spending Account ngati abwana anu amapereka limodzi, kapena Akhawunti ya Umoyo Wodzipulumutsa ngati mulembetsa mu ndondomeko yaumoyo yomwe ndi HSA woyenerera.
- Ngati kumamatira ndi dokotala wanu wamakono n'kofunikira kwa inu, onetsetsani kuti ali mu-network ndi dongosolo la thanzi lomwe mukuliganizira.