Ndondomeko ya platinamu ndi inshuwalansi yodalirika yomwe imabweza ndalama pafupifupi 90 peresenti ya ndalama zothandizira anthu. Mamembala amalipira gawo limodzi la magawo 10 pazokhudzana ndi chithandizo chawo chaumoyo monga mapepala, ndalama zothandizira , komanso zopereka .
Chiyambi
Kuti zikhale zosavuta kuti muyerenge phindu limene mumapeza pa ndalama zomwe mumagwiritsa ntchito pa inshuwalansi ya inshuwalansi , Zopindulitsa za Care Act zikukhazikitsidwa kuti zikhale zofunikira pazinthu zaumoyo mumsika wa anthu omwe ndi gulu laling'ono .
MaseĊµerawa, kapena mbali, ndizitsulo, siliva, golide, ndi platinamu. Zolinga zonse zaumoyo m'zigawo zomwe zapatsidwa zikuyembekezeka kupereka zopindulitsa chimodzimodzi.
Mapulani a platinum, mtengo ndi 90 peresenti (okhala ndi minimus range ya +/- 2, yomwe idzapitirira mpaka 2 / -4 mu 2018, kutanthauza kuti dongosolo la platinamu mu 2018 lidzakhala ndi phindu lokhazikika pa 86 peresenti mpaka 92 peresenti). Ndondomeko zamkuwa, zasiliva ndi golide zimapereka ndalama zoposa 60, 70 ndi 80 peresenti.
Kufunika Kwambiri Ponena za Inshuwalansi Zaumoyo
Chofunika, kapena mtengo wapatali , umakuwuzani kuchuluka kwa ndalama zomwe zimagwiritsidwa ntchito pothandizira chithandizo chomwe chiyembekezeredwa kulipira umembala wawo wonse. Izi sizikutanthauza kuti iwe, mwiniwake, udzakhala ndi 90 peresenti ya ndalama zothandizira zaumoyo zomwe zimaperekedwa ndi dongosolo lanu la platinum. Ndikofunika kwambiri kufalikira pa chiwerengero cha anthu onse. Malingana ndi momwe mumagwiritsira ntchito inshuwaransi yanu, mukhoza kupeza ndalama zochepa zomwe mumagula.
Ndalama zosagwiritsidwa ntchito zothandizira zaumoyo siziwerengera pamene mukuwonetsa ndondomeko ya thanzi. Mwachitsanzo, ngati dongosolo lanu la thanzi la platinum silimapereka chithandizo cha mankhwala owonjezera, mtengo wa zinthu zimenezo suphatikizidwa powerengera mtengo wa dongosolo lanu. Ndalama zowonongeka sizinaphatikizidwe ndi ndondomeko ya momwe polojekiti ikuyendera, komanso ngakhalenso zopindulitsa zomwe sizikugwera pansi pazinthu zofunikira zathanzi (pafupifupi zonse zofunika kusamalidwa ngati mankhwala ndizofunika kwambiri za thanzi, komabe)
Zikondwerero
Muyenera kulipira malipiro a mwezi uliwonse kuti mupeze chithandizo chaumoyo. Mapulani a Platinum ndi okwera mtengo kusiyana ndi mapulani a mtengo wapatali chifukwa platinamu amapanga ndalama zambiri pazinyamayi zakuthupi.
Nthawi iliyonse imene mumagwiritsa ntchito inshuwaransi yanu, muyenera kulipira ndalama monga kugawa ndalama, ndalama zothandizira ndalama , ndi mapepala . Momwe mapulani onse a platinum amakupangira kulipira gawo lanu la magawo khumi lidzakhala losiyana. Mwachitsanzo, ndondomeko imodzi ya platinum ikhoza kukhala ndi ndalama zokwana madola 1000 zomwe zimagwiritsidwa ntchito ndi malipiro ochepa a 5 peresenti. Ndondomeko yokhala ndi mpikisano wokwana mpikisano ikhoza kukhala ndi ndalama zokwana $ 400 zomwe zimagwirizanitsidwa ndi ndalama zapamwamba komanso ndalama zokwana madola 10 pamapepala.
Zotsatira
Sankhani ndondomeko ya thanzi la platinum ngati chinthu chofunikira kwambiri kwa inu ndizochepa ndalama zomwe mumagwiritsa ntchito mukamagwiritsa ntchito inshuwaransi yanu. Ngati mukuyembekeza kugwiritsa ntchito inshuwalansi yanu yambiri, kapena simukudandaula ndi mapepala apamwamba a mwezi wa mapulani a platinamu, dongosolo la thanzi la platinamu lingakhale chisankho chabwino kwa inu.
Ngati mumagwiritsa ntchito inshuwaransi yanu yambiri, mwinamwake chifukwa chakuti muli ndi matenda aakulu, yang'anani mosamala kwambiri pulani ya platinamu yomwe ili kunja . Ngati mumadziwiratu kuti ndalama zanu zowonjezera zidzatha kuposa izi, mungathe kusunga ndalama posankha ndondomeko yochepetsetsa yomwe ili ndi ndalama zofanana komanso zochepa.
Wotsutsa
Musasankhe ndondomeko ya thanzi la platinum ngati simungakwanitse kupereka malipiro apamwamba pamwezi. Ngati mutayika inshuwalansi ya umoyo wanu chifukwa simungalipire malipiro, mukhoza kupeza malo ovuta.
Ngati muli oyenera kulandira ndalama zothandizira ndalama chifukwa ndalama zanu ziri pansi pa 250 peresenti ya umphaĊµi wa federal, muyenera kusankha ndondomeko ya siliva kuti mutenge ndalama. Simungapeze ndalama zothandizira ena pokhapokha mutasankha ndondomeko yaumoyo kuchokera kuntchito ina iliyonse, kapena mutagula kunja kwa kusinthanitsa ( ndalama zothandizira ndalama zowonjezereka zimapezeka pokhapokha, koma zingagwiritsidwe ntchito pogwiritsa ntchito zitsulo mlingo).
Kugawana kwa ndalama za ndalama kumachepetsanso ndalama zowonjezera, ndalama, ndi ndalama zothandizira kuti muthe kulipira pang'onopang'ono mukamagwiritsa ntchito inshuwalansi ya umoyo wanu. Zoonadi, ndalama zothandizira ndalama zowonjezerapo zimapangitsa kuti phindu lanu labwino likhale lopanda phindu pokhapokha mutakweza phindu. Zili ngati kupeza chithandizo chaulere pa inshuwalansi ya umoyo. Simungapeze kusintha kwaulere ngati mutasankha dongosolo la platinamu.
Kupezeka
Pansi pa ACA, a inshuwalansi omwe amagulitsa malingaliro pa kusinthanitsa ndi ofunikira kuti apereke chithunzi pa ndalama za siliva ndi golidi. Mapulani a Platinum ndi otchuka kwambiri kuposa ena omwe amatha kupanga masitepe (platinum mapulani amawerengera osachepera 1 peresenti ya kulembetsa kwa anthu onse pa nthawi ya kulembetsa 2017), ndipo amakhala ndi ndalama zokwanira za inshuwalansi, monga momwe anthu amawasankhira amakonda akhale omwe ali ndi thanzi labwino omwe akuyembekeza kugwiritsa ntchito kwakukulu kwa chithandizo chamankhwala chaka chonse.
Chifukwa cha kuchepa kwa chiwerengero chokwanira ndi ndalama zapamwamba, inshuwalansi m'madera ena asiya kupereka mapulani a platinum. Izi zikutanthauza kuti simungathe kugula mapulani a platinum konse, ngakhale kuti mapulani a golide adzapitiriza kukhalapo.
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha odwala komanso chithandizo chamtengo wapatali . April 2017.
> Kaiser Family Foundation. 2017 Kusankhidwa kwa Msika Wokonzera Masitolo (November 1, > 2016, > mpaka 31 January, 2017) >.