N'chifukwa Chiyani Ndimafunikira Inshuwalansi Yathanzi?
Ndikofunika kupeza inshuwalansi ya umoyo kwa inu nokha komanso a m'banja lanu. Inshuwalansi imakuthandizani kukutetezani kuntchito zapamwamba za chithandizo chamankhwala, makamaka zomwe zimakhudzana ndi matenda aakulu kapena kufunika kokhala kuchipatala.
Muyenera kukhala ndi inshuwalansi ya umoyo pa chifukwa chomwe inu muli ndi inshuwalansi ya galimoto kapena inshuwalansi ya eni nyumba - kuteteza ndalama zanu ndi ndalama zanu .
Koma mukufunanso inshuwalansi ya umoyo kuti mupeze chithandizo chamankhwala chokwanira ngati mukuchifuna. Kwa zipatala zomwe zimalandira Medicare (zomwe ziri zipatala zambiri), lamulo la federal limafuna iwo kuti ayese ndi kukhazikitsa aliyense yemwe akuwonetsa pa madokotala awo, kuphatikizapo mkazi wogwira ntchito mwakhama. Koma kupyolera mu kuyesa ndi kukhazikika mu dipatimenti yosavuta, palibe chofunika kuti zipatala zikhale ndi chisamaliro kwa anthu sangathe kulipira. Kotero kusowa kwa inshuwaransi ya umoyo kungathe kukhala cholepheretsa kwambiri kuti muzisamalidwa.
Kodi Ndingapeze Bwanji Inshuwalansi Yaumoyo?
Malingana ndi msinkhu wanu, udindo wanu, ndi ndalama, pali njira zambiri zomwe mungapezere inshuwalansi ya umoyo, kuphatikizapo:
- Inshuwalansi ya umoyo yoperekedwa ndi abwana. Makampani akuluakulu ku US akuyenera kupereka inshuwalansi yapamwamba monga antchito opindula, ndipo antchito ang'onoang'ono amaperekanso chithandizo kwa antchito awo. Mudzafunikila kulipira gawo lina la mwezi uliwonse , kapena mtengo wa inshuwalansi ya umoyo, makamaka ngati muonjezera banja lanu pulogalamu yanu.
- Inshuwaransi yaumoyo imene mumagula nokha. Ngati muli wodzigwira ntchito kapena mukugwira ntchito kwa kampani yaing'ono yomwe sakupatsani inshuwalansi ya umoyo, muyenera kuigula nokha. Mukhoza kutero kudzera mu inshuwalansi ya umoyo wanu, kapena mwachindunji kuchokera ku kampani ya inshuwalansi, koma thandizo la premium (kuchepetsa ndalama zomwe mukuyenera kulipira kuti mupereke chithandizo) ndi thandizo logawa ndalama (kuchepetsa ndalama zomwe muyenera kulipira pamene mukusowa chithandizo chamankhwala) zimapezeka pokhapokha ngati mutapeza chithandizo chanu mwachitsulo.
- Inshuwalansi ya umoyo yoperekedwa ndi boma. Ngati muli ndi zaka 65 kapena kupitirira, olumala, kapena muli ndi ndalama zochepa kapena zopanda phindu, mukhoza kukhala ndi inshuwalansi ya umoyo yomwe boma limapereka, monga Medicare ndi Medicaid .
Ngati mulibe inshuwalansi yathanzi kapena inshuwalansi yonyansa yomwe simukukwanira, mudzakhala ndi udindo wolipira ngongole zanu zonse zaumoyo. Chitetezo cha Odwala ndi Chachikulu Chachidwi Chochita (ACA), chomwe chinakhazikitsidwa mu March 2010, chikutsimikizira kuti Ambiri ambiri ali ndi inshuwalansi yapamwamba ya inshuwalansi.
Pali zina zosiyana ndi zimenezo, komabe. Zina zimakhalapo chifukwa cha zolakwika m'malingaliro a ACA, kuphatikizapo kubwezeretsa banja komanso kuti ndalama zowonjezera zimaperekedwa pa 400 peresenti ya umphawi, zomwe zimapangitsa kuti anthu ena omwe ali ndi ndalama zisawonongeke. Koma zina ndizo chifukwa cha malamulo, zisankho za khothi, ndi kukana ACA, kuphatikizapo kusiyana kwa chithandizo cha Medicaid chomwe chili m'mayiko 18 omwe anakana kuvomereza ndalama za federal kuti akule Medicaid.
Kodi Ndingasankhe Bwanji Thanzi Labwino?
Pali zifukwa zambiri zofunika kuziganizira posankha inshuwalansi ya umoyo. Zinthu izi zikhoza kukhala zosiyana ngati mukusankha chimodzi mwa njira zingapo zomwe mungagwiritsire ntchito ntchito yathanzi kapena kugula inshuwalansi yanu ya umoyo.
Chitani ntchito yanu ya kusukulu musanagule inshuwalansi ya thanzi! Onetsetsani kuti mukudziwa zomwe ndondomeko yanu ya inshuwalansi idzalipire ... ndi zomwe sizidzatero.
Wogwira Ntchito-Inshuwalansi Za Umoyo
Ngati bwana wanu amapereka inshuwalansi ya umoyo, mukhoza kusankha pakati pa mapulani ambiri a inshuwaransi. Nthawi zambiri, ndondomekozi zimaphatikizapo ndondomeko yothandizira, monga bungwe lokonzekera zaumoyo (HMO) kapena bungwe lothandizira (PPO). Ngati mutasankha HMO, ndondomekoyi idzaperekera chisamaliro ngati mutagwiritsa ntchito dokotala kapena chipatala mu intaneti. Ngati mutasankha PPO, ndondomekoyi idzapereka zambiri ngati mutapeza chithandizo chamankhwala muntaneti.
PPO ikulipirabe gawo la chisamaliro chanu ngati mutapita kunja kwa intaneti, koma mudzayenera kulipira zambiri.
Wobwana wanu angapereke njira zosiyanasiyana zochizira zomwe zimagula mochuluka malinga ndi kuchuluka kwa ndalama zomwe mumakhala nazo chaka chilichonse. Izi zimaphatikizapo kulipira ngongole nthawi iliyonse mukamaonana ndi dokotala wanu kapena kupeza mankhwala odzaza komanso chaka chotsitsika , yomwe ndi ndalama zomwe mumalipirako pazithandizo zaumoyo kumayambiriro kwa chaka chisanafike inshuwalansi ya umoyo wanu.
Kawirikawiri, ndondomeko yomwe imafuna kuti mugwiritse ntchito Intaneti, imakhala yotsika kwambiri, ndipo ndalama zambiri zimakhala ndi malipiro apansi. Ndondomeko yomwe imakulolani kuti mugwiritse ntchito aliyense wothandizira, ili ndi zochepetsera zochepa, ndipo ndalama zochepa zowonjezera zidzakhala ndi malipiro apamwamba.
Ngati ndinu wachinyamata, musakhale ndi matenda aakulu, ndipo mutha kukhala ndi moyo wathanzi, mukhoza kusankha njira yathanzi yomwe imapereka ndalama zambiri, komanso simungakwanitse kusamalira, chifukwa simungathe kusamalidwa ndipo ndalama zanu zapakhomo zingakhale zochepa.
Ngati ndinu wamkulu komanso / kapena muli ndi matenda aakulu, monga matenda a shuga, omwe amafuna madokotala ambiri kuti azitha kuyendera ndi mankhwala osokoneza bongo, mukhoza kulingalira za dongosolo laumoyo ndi zochepa zomwe mumapereka. Mutha kulipira mwezi uliwonse kuti mutenge ndalama zanu, koma izi zingathe kuchepetsedwa ndi ndalama zochepa zomwe mumakhala nazo chaka chonse. Lembani manambala kuti muone momwe mungagwiritsire ntchito ndalama zomwe mumakhala nazo kunja (penyani kuchuluka kwa ndalama pano, ngati mukuganiza kuti mukusowa chithandizo chamankhwala ambiri), ndi kuwonjezera pa malipiro okwanira kuti muthe kuyerekezera mapulani angapo. Simukungoganiza kuti ndondomeko yotsika mtengo (kapena, malinga ndi momwemo, ndondomeko yotsika mtengo) idzagwira ntchito bwino.
Kuti mudziwe zambiri za njira zanu zaumoyo, kambiranani ndi woimira dipatimenti yanu yothandiza anthu kapena awerenge zipangizo zomwe zimaperekedwa ndi ndondomeko yaumoyo. Ngati inu ndi mnzanu / mnzanuyo mumagwira ntchito kwa makampani omwe amapereka inshuwalansi ya umoyo, muyenera kuyerekeza zomwe kampani iliyonse ikupereka ndikusankha dongosolo kuchokera ku kampani yomwe ikukhudzana ndi zosowa zanu. Koma dziwani kuti makampani ena amaphatikizapo ndalama zambiri ngati mwamuna kapena mkazi wanu ali ndi mwayi wopanga ndondomeko ya abwana awo koma anaganiza kuti awonjezedwe ku dongosolo lanu. Pano pali zambiri za inshuwalansi ndi zamalonda za inshuwalansi kwa okwatirana .
Inshuwalansi yaumoyo yaumwini
Ngati muli ogwira ntchito, bwana wanu samapereka inshuwalansi yathanzi yokwanira, kapena simukulimbikitsidwa ndipo simukuyenera kukhala ndi inshuwalansi ya umoyo wa boma, mukhoza kugula inshuwalansi yaumwini nokha.
Mungathe kugula inshuwalansi ya inshuwalansi kuchokera ku kampani ya inshuwalansi, monga Anthem kapena Kaiser Permanente, kupyolera mwa inshuwalansi yemwe akuimira kampani ya inshuwaransi, kapena kudzera mu inshuwalansi ya umoyo wanu. Onaninso ndi wothandizira inshuwalansi amene angakuthandizeni kupeza inshuwalansi ya umoyo yomwe ikugwirizana ndi zosowa zanu.
Popeza mtengo ndi chinthu chofunika kwambiri pakusankha ndondomeko yaumoyo, mayankho anu ku mafunso otsatirawa angakuthandizeni kusankha chomwe mukufuna kugula.
- Kodi ndi ndalama zochuluka bwanji mwezi uliwonse (pambuyo pa pulogalamu yamtengo wapatali, ngati mukufuna kulandira imodzi) Mu 2018, ndalama zothandizira zimapezeka kwa anthu okwana $ 48,240, ndi banja la asanu lopeza $ 115,120).
- Kodi ndiyenera kulipira liti pasanafike dongosolo la thanzi?
- Kodi ndalama zomwe amadokotala akuchezera ndi mankhwala ake a mankhwala ndi zingati?
- Ngati ndikusankha PPO , ndiyenera kulipira ndalama zingati ngati ndikugwiritsa ntchito madokotala kapena zipatala kunja kwa intaneti ya PPO?
- Kodi ndichindani chomwe ndikuyenera kulipira mu ndalama zongotuluka pokhapokha ndikadzakhala ndikusowa chithandizo chochuluka? Izi zili pamakonzedwe onse a ACA pa $ 7,350 kwa munthu mmodzi mu 2018 .
- Kodi ndondomeko ya thanzi ili ndi mankhwala omwe amamwa mankhwala omwe ndimagwiritsa ntchito?
- Kodi dokotala wanga amapereka chithandizo chadongosolo?
Chenjerani ndi Mapulani Osalimba a ACA
Mapulani onse azachipatala omwe ali ndi masiku abwino a January 2014 kapena amtsogolo ayenera kukhala ogwirizana ndi ACA. Izi zikugwiritsidwa ntchito m'mayiko onse, ndipo zikugwiritsidwa ntchito pazinthu zomwe zinagulitsidwa mkati mwa kusinthana komanso ndondomeko yomwe idagulidwa mwachindunji ku makampani a inshuwalansi.
Koma pali njira zambiri zomwe sizingagwirizane ndi ACA. Ndipo nthawi zina malingaliro awo akugulitsidwa ndi machenjerero okayikitsa, omwe amachititsa ogula kukhulupirira kuti akugula inshuwalansi yeniyeni, pamene iwo sali.
Ngati mukuyang'ana mapulani a nthawi yaying'ono, mapulani othandizira ang'onoang'ono, zowonjezereka zowonjezereka, ndondomeko zowononga zachipatala, ndondomeko zopanda chithandizo cha mankhwala, kapena ndondomeko yamtundu wina wosakondweretsa, mudzafuna kulipira mosamala kwambiri zolemba zabwino, ndipo onetsetsani kuti mumvetse zomwe mukugula. Dziwani kuti mapulani awa sayenera kutsegula ubwino wa thanzi la ACA, musayambe kuikapo zinthu zomwe zakhalapo kale, zingathe kuchepetsa zopindulitsa zanu pachaka kapena kuposa nthawi yanu yonse ya moyo, ndipo kawirikawiri muli ndi mndandanda wautali wopezekapo. .
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services. Chidziwitso chachipatala chodzidzimutsa ndi lamulo la ntchito.
> Mabanja USA. Malingaliro Osauka a Umphawi Okhazikitsa Oyenerera Omwe Amagwiritsira Ntchito Medicaid, CHIP, ndi Zothandizira pa Kusinthana.