Kodi 'copay' ndi chiyani?

Kampani

Zaumoyo ndi nkhani yovuta ndi mawu omwe angawoneke ngati chilankhulo chosiyana nthawi zina. Limodzi mwa mawuwa ndi kukopera , kapena wodziwika kuti copay . A copay ndi ndalama zokhazikika zolipiridwa ndi mankhwala kapena chithandizo chamankhwala mukamapita kwa dokotala. Koma monga zinthu zambiri zokhudzana ndi inshuwaransi yazaumoyo, kodi ndizosavuta?

Kodi copay ndi chiyani?

Pama inshuwaransi ambiri, nthawi iliyonse mukawona dokotala mutakumana ndi deductible mumalipira ndalama zomwe zimatchedwa copay. Copay imagwira ntchito ngati chindapusa kwa dokotala kapena katswiri wanu yemwe amakulipirani chifukwa chogwiritsa ntchito ntchito zawo. Ndalamazo zimatsimikiziridwa ndi dongosolo lanu la inshuwaransi yazaumoyo, onetsetsani kuti mwawerenga zolemba zabwino. Mapulani otsika malipiro apamwezi atha kukhala ndi ma copay apamwamba.

Ndikofunika kuzindikira kuti ma copays ndi a inshuwaransi yamalonda, olemba anzawo ntchito, komanso msika. Medicare ndi Medicaid adzakhala ndi malamulo ndi malingaliro osiyanasiyana kuposa izi.

Makopedwe ndi mtundu wina wogawana mtengo ndi kampani yanu ya inshuwaransi yazaumoyo. Amapangidwanso kuthandiza kulepheretsa ogula kuti asalandire chithandizo chamankhwala chosafunikira. Ma copays amatha kukhala ndi maubwenzi ovuta ndi magawo ena a inshuwaransi yazaumoyo wanu.

Musanafike ku pachakakuchotsedwa -Ndizo ndalama zomwe mumayenera kulipira kampani yanu ya inshuwaransi isanakuthandizireni kuchipatala — mudzasunga ndalama zonse kuti mukalandire mankhwala kapena mankhwala. Mukafika pa deductible yanu, anu chitsimikizo imayamba, kutanthauza kuti mapulani anu ayamba kukhala ndi gawo lokhazikika pazandalama. Apa ndipomwe ndalama zomwe mumagwiritsa ntchito kuchipatala zimakhala zovuta, makamaka popeza ndalama zanu sizimangodalira ndalama zanu zokha, koma zimangopita kuchaka chanu Kutuluka mthumba .

Tsopano, nachi chitsanzo chothandizira kumveketsa bwino zinthu: Mwaphwanya phazi lanu ndikusewera mpira ndikuganiza, Mnyamata, ndili ndi mwayi kuti posachedwa ndidakumana ndi deductible yanga, ndipo inshuwaransi ipereka ulendowu kuchipatala. Koma zomwe simukuzindikira kuti muli ndi udindo pa copay yanu komanso ndalama zanu. Musanachoke ku ofesi ya dokotala, wolandirayo akukupemphani kuti mulipire ndalama zanu zokwana madola 20 kutsogolo. Patatha milungu iwiri, mumalandira bilu ya $ 80 yowonjezerapo — ichi ndiye chitsimikizo chanu chandalama, chomwe mchitsanzo ichi ndi 20% ya ndalama zonse zamankhwala (ndipo kwa inu zinali $ 400). Chifukwa chake, chifukwa cha phazi lopunduka, mumatha kulipira $ 100. Mapulani nthawi zambiri amakambirana mitengo, kotero amalipira omwe amakupatsani ndalama kuchuluka kwa zomwe mwakambirana musanayembekezere kulipira ndalama zanu zoyenera.

Anthu amakonda kuganiza kuti akadzafika kuchotseredwa, adzakhala opanda ngongole zamankhwala. Komabe, inshuwaransi imangobwerekera ndalama zonse zomwe mungawononge mukamakumana ndi kuchuluka kwanu, komwe kumakwaniritsidwa ndikuphatikiza ndalama zomwe mumachotsa, ndalama zanu komanso ma copay.

ZOKHUDZA: Kodi pali kusiyana kotani pakati pa copay ndi deductible?

Kodi copay imaphimba chiyani?

A copay nthawi zambiri amathandizira kuphimba mtengo pamaulendo osiyanasiyana amaofesi. Komabe, ntchito zamankhwala zomwe zimafunikira ma copaya zimasiyana pakati pa mapulani a inshuwaransi. Mapulogalamu omwe amafunikira copay ndi awa:

• Chisamaliro chapadera ndi maulendo apadera a dokotala
• Zithandizo zakuthupi, zantchito, komanso zolankhula
• Mankhwala osokoneza bongo
• Ntchito zamaganizidwe: mwachitsanzo, kukonzanso mankhwala osokoneza bongo, psychotherapy
• Changu icho
• Kuyendera chipinda chadzidzidzi
• Kuyenda kwamaambulansi

Mitengo ya Copay imasiyanasiyana pakati pa ntchito ndipo imatha kukhala yayikulu pakuchezera kwa akatswiri kuposa kukaonana ndi dokotala woyamba. Opereka ma network omwe amakhala nawo nthawi zambiri amakhala ndi ma copay apamwamba. Ngati copay yanu ndi yokwera mtengo kudutsa bolodi, izi zitha kukhala chifukwa muli ndi pulani ya inshuwaransi yotsika kwambiri.

Ndikofunikanso kudziwa kuti chifukwa cha Mtengo Wosamalira Ntchito , ntchito zina zodzitetezera monga kupimidwa, kuyezetsa khansa, kapena kuyendera amayi abwino siziyenera kugawana nawo ogula.

Kodi ndingadziwe bwanji ngati ndidzakhale ndi copay?

Makampani ambiri a inshuwaransi kapena omwe amapereka chithandizo chamankhwala amafuna kuti ma copay azilipira panthawi yomwe akugwira ntchito. Kawirikawiri, ndalama za copay zimasindikizidwa molunjika pa khadi lanu la inshuwaransi yazaumoyo. Itha kukhala ndi ndalamazo zomwe zalembedwa pazantchito zosiyanasiyana monga ulendo woyang'anira chisamaliro chapadera ndi ntchito zamankhwala. Yang'anani pa pulani ya inshuwaransi yanu kuti mupeze mndandanda wazantchito zonse zomwe zimafunikira copay ndi mtengo wake.

Ena mapulani a inshuwaransi alibe copay. Poterepa, mwina ndi dongosolo lokwera mtengo kwambiri, chifukwa chake kulibe copay yantchito, mukugwiritsabe ntchito ndalama zowonjezera ndi mapulani a pulani.

Momwe mungatsitsire copay yanu

Ndalama zotulutsira mthumba sikuti nthawi zonse zimakhudza akaunti yanu yakubanki. Ngati mupereka ndalama ku akaunti yosunga zaumoyo (HSA), akaunti yosungitsa ndalama mosavuta (FSA), kapena akaunti yobwezeretsa zaumoyo (HRA), mutha kugwiritsa ntchito izi ndalama zamsonkho usanachitike kubisa copay yanu. Kupatula apo, iyi ndi ndalama yomwe mwayika kale pambali zathanzi. Komabe, njira yokhayo yotsitsira copay yanu ingakhale posintha mapulani a inshuwaransi, zomwe sizosankha nthawi zonse.

Komabe, SingleCare ili pano kuti izithandiza . Nthawi zina zolipira pamankhwala zimatha kukhala zazikulu kuposa mtengo wotsika womwe mungapeze ndi khadi ya SingleCare. Sakani mankhwala anu pa singlecare.com kuti muwone mtengo wabwino kwambiri.