Kodi kutalika kwa mthumba ndi chiyani?

Kampani Healthcare Yafotokozedwa

Inshuwalansi yaumoyo ndi yovuta, ndi mawu osiyanasiyana osokoneza omwe angakhale ovuta kuwamvetsa. Koma kudziwa ndikumvetsetsa tsatanetsatane wa inshuwaransi yaumoyo wanu kumatha kupita kutali, makamaka pankhani yosunga ndalama. Chimodzi mwazinthu zofunika izi ndikukula kwanu mthumba.

Kuchuluka kwa thumba lanu pa inshuwaransi yazaumoyo wanu ndi malire apachaka omwe inu, monga kasitomala, muyenera kulipira pantchito zazaumoyo. Kuchuluka kwa ndalama zomwe muli nazo mthumba kumatsimikiziridwa ndi zinthu zosiyanasiyana, kuphatikiza mtengo wa dongosololi komanso anthu angati m'banja mwanu omwe akukhudzidwa ndi pulani yanu.

Lingaliro lakukulira mthumba limawoneka ngati losokoneza mofanana ndi mawu ena omwe makampani a inshuwaransi amakuponyerani, monga chitsimikizo , copay , premium, ndi kuchotsedwa . Koma kusiyana pakati pawo ndikofunikira ndipo kungakhudze thanzi lanu komanso chikwama chanu.

Bukuli lili ndi zonse zomwe mungafune kudziwa zamkati ndi thumba la zokulitsa mthumba.

Chofunika ndichani chokwanira mthumba?

Mukawononga ndalama zokwanira kuchipatala kuti mukwaniritse ndalama zanu zapachaka, kampani yanu ya inshuwaransi yaumoyo imalumphira zonse adalipira ndalama chaka chonse. Koma ndi ndalama ziti zamankhwala zomwe zimawerengera malire anu omwe mulibe mthumba? Pa mapulani ambiri, ma pocket-out a ma maximums amaphatikizapo ndalama zomwe zimagwiritsidwa ntchito pazinthu zina zaumoyo wanu, monga:

• Zodulidwa
• Coinsurance
• Zokopa

Mtengo waukulu womwe sukuwerengera ndalama zanu zonse zomwe muli nazo ndizomwe mumapeza mwezi uliwonse. Izi zikutanthauza kuti ngakhale mulipire ndalama zochuluka motani, kuti inshuwaransi yanu izikhala yogwira ntchito, muyenera kupitiliza kulipira mwezi uliwonse, ngakhale mutakwanitsa kuchuluka kwanu.

Gawo lina lomwe silingaganizire zakukula kwanu mthumba ndi ntchito zazaumoyo zomwe sizikukhudzidwa ndi pulani ya inshuwaransi yanu, monga ena omwe samatulutsa ma netiweki ndi mankhwala ena osaphimbidwa kapena mankhwala. Kutuluka m'thumba kwamankhwala am'manja omwe mumalipira chifukwa chogwiritsa ntchito Osakwatira makuponi nawonso samawerengera kuchuluka kwanu mthumba, ngakhale mutha kulipidwa ndi omwe amakupatsani inshuwaransi kumapeto kwa chaka chomwe mukufuna.

Zochepetsedwa motsutsana ndi mthumba

Ngati mukuganiza kuti ma maximums akunja kwa thumba amvekanso ofanana ndi ma deductibles, simukulakwitsa. Koma ndizosiyana pang'ono, ndipo kusiyana kumeneku ndikofunikira kuti mumvetsetse komwe ndalama zomwe mumawonongera ndalama zimachokera.

Takhazikitsa kale kuti kutuluka mthumba ndipamene inshuwaransi yanu imagwiritsa ntchito ndalama zambiri pachaka. Mukafika pamulingo womwewu, inshuwaransi wanu alowererapo ndikukhala ndiudindo pazinthu zina zomwe zidalipira chaka chonse.

Deductible yanu, komano, ndi kuchuluka kwa chithandizo chamankhwala chomwe muyenera kulipira zonse njira zanu zogawana mtengo, monga chitsimikizo cha ndalama, yambirani. coinsurance kapena copayments. Ndiye kuti, mpaka mutafika pazitali mthumba mwanu. Kenako mudzangokhala ndiudindo wolipirira ndalama zanu zoyambirira pamwezi, pazantchito zomwe sizinachitike, kapena zina mwazabwino zapa netiweki.

ZOKHUDZA: Ntchito zaumoyo za 5 zomwe muyenera kuchita mukakumana ndi deductible yanu

Zomwe zimachitika pambuyo pokwaniritsa mthumba zakwaniritsidwa?

Tsopano popeza mukudziwa kuti ndi chiyani, ma maximums akunja kwa thumba amagwira ntchito bwanji? Ma maximums akunja kwa thumba amakuthandizani kukutetezani kuti musafunike kulipira ndalama zokwera mtengo kapena zosayembekezereka zamankhwala (monga ulendo wopita kuchipinda chodzidzimutsa) poika kapu pazomwe mukuyenera kulipira pachaka. Mukamagwiritsa ntchito chithandizo chamankhwala kwa chaka chimodzi kuti mudutse ndalama zomwe mwasankha zomwe mwapeza mthumba, dongosolo lanu laumoyo limalipira zina zonse zothandizira kuchipatala-bola mitengoyo ndi ntchito yomwe dongosolo lanu limakwaniritsa.

Mukakumana ndi malire anu otuluka mthumba, simufunikanso kulipira ndalama zolipira ndalama kapena zosungitsa ndalama zothandizira pa intaneti. Zitsanzo za chisamaliro chingaphatikizidwe ndi kuchezera ndi dokotala wapaintaneti oyang'anira kapena mtengo wamankhwala omwe akuphimbidwa. Koma mudzalipirabe ntchito zapanja-netiweki zomwe sizimakonzedwa ndi pulani yanu.

Mapulani ena a inshuwaransi samapereka chindapusa chochepa chazakugwiritsa ntchito intaneti, ndipo amathanso kulipira ndalama zomwe mumafunikira kulipira kunja kwa intaneti chaka chilichonse. Chipewa ichi chimakhala chopatukana, komanso chokwera, kuposa malire anu okhala mu netiweki. Koma mapulani ena ambiri alibe ndalama zochulukirapo zamautumiki omwe ali kunja kwa netiweki, kutanthauza kuti inshuwaransi yanu sadzalowererapo kuti athandizire kulipira mautumiki akunja, ngakhale ndalama zolipiritsa ndizokwera motani. Samalani kwambiri ndi zomwe mungakonde kutulutsa pa intaneti, ndipo yesetsani kukhalabe ndi netiweki ngati zingatheke kuti mugwiritse ntchito mwayi wanu wochulukirapo.

Kodi mapulani onse a inshuwaransi yazaumoyo ali ndi ndalama zambiri?

Mapulani onse a inshuwaransi omwe amakwaniritsa miyezo ya Care Affordable Care Act (ACA) ali ndi ndalama zambiri. Kwa 2020, ma maximums akunja kwa thumba la mapulani ovomerezeka a ACA sangakhale oposa $ 8,150 mapulani payekha ndi $ 16,300 yamapulani apabanja . Kwa mapulani ambiri, malire akunja kwa thumba amakhala ochepa, ngakhale mapulani ena omwe adapangidwa ACA isanabadwe ndi malire awo. Mutha kupeza zambiri zamapulani omwe muyenera kulandira nawo chipatala.gov .

Ma maximum akunja kwa thumba la Mankhwala zimasiyana pang'ono. Pazolipira zachikhalidwe zantchito ya Medicare (Original Medicare), palibe malire pamtengo womwe mumalipira kuchipatala chaka chilichonse. Ngati muli ndi Original Medicare, mutha kuchepetsa ndalama zomwe mumatulutsa mthumba pogula dongosolo la Medigap, kapena kulembetsa ndalama zochepa monga Medicare Savings Program kapena Extra Help for Medicare Part D Koma mapulani a Medicare Advantage, omwe amaperekedwa kudzera kuma inshuwaransi wamba ndikuvomerezedwa ndi Medicare, akuyenera kutsatira malangizo ofanana ndi mapulani ena a ACA ndipo atha kukhala ndi thumba locheperako kuposa mapulani a ACA.

Ndalama zotulutsira mthumba zamapulani a Medicaid zimasiyanasiyana malinga ndi boma, koma siziloledwa kupitilira 5% ya ndalama za banja .

Kupeza ndalama zothandizira

Ngakhale mapulani anu a inshuwaransi yazaumoyo sangakhale ndi ndalama zonse zamankhwala, palinso zina njira zopulumutsira . SingleCare imathandizira kuthetsa chisokonezo chokhudzana ndi kuchuluka kwa ndalama popereka mitengo yotsika mtengo. Ndipo ngakhale mankhwala ambiri sawerengera kutuluka kwanu mthumba kapena kuchotsedwa, ma Coupon a SingleCare atha kupanga kuti mankhwala omwe mungafune akhale otsika mtengo.