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Kodi deductible ndi chiyani?

Kodi deductible ndi chiyani?Kampani Healthcare Yafotokozedwa

Nthawi zina mawu azaumoyo amatha kumveka ngati chilankhulo china. Ndi mawu onga copay , kuchotsedwa , ndi Kutuluka mthumba kuponyedwa mozungulira, kodi mukuyenera kudziwa chiyani? Ndipamene mndandanda wathu wa Healthcare Defined umabweramo. Timaphwanya malamulo okhudzana ndi inshuwaransi kuti mumvetsetse-ndikumvetsetsa, pakubwera ndalama zabwino.





Tiyeni tiyambe ndi mawu omwe amagwiritsidwa ntchito kwambiri kuchotsedwa . Kodi deductible ndi chiyani? Mwachidule, deduction ndi ndalama zomwe mumayenera kulipira m'thumba kuti mupeze chithandizo chamankhwala-zomwe zimaphatikizapo kukayezetsa, opaleshoni, ndi mankhwala akuchipatala-kampani yanu ya inshuwaransi isanakulipireni ndalama zilizonse zakuchipatala.



Mawu oti deductible samangogwiritsa ntchito inshuwaransi yazaumoyo, komanso inshuwaransi yamagalimoto kapena mapulani a inshuwaransi yakunyumba. Ndalama zomwe amachotsera zimasiyanasiyana kutengera mtundu wa inshuwaransi womwe mumasankha ndipo umabwezeretsanso chaka chilichonse mu Januware. Kwa anthu ena, ndalama zomwe amachotsera zimayikidwa ndi boma kapena boma, monga zimachitikira ndi Medicare.

Deductible yanu ndi imodzi mwazinthu zingapo zomwe zimakhudzana ndi kukhala ndi inshuwaransi yazaumoyo, kuwonjezera pa ma copays kapena ndalama zandalama, komanso ndalama zomwe mumalandira mwezi uliwonse, zomwe ndi zomwe kampani yanu ya inshuwaransi imakulipirani kuti mutenge nawo gawo. Ngati muli mu pulani yoperekedwa ndi olemba anzawo ntchito, ndalama zanu zoyambira pamwezi zitha kuchotsedwa pamalipiro anu. Ngati ndinu munthu yemwe muli ndi Medicare, ndalama zanu zoyambirira zitha kubisidwa mosayang'ana cheke chanu cha Social Security.

Kodi mfundo ya inshuwaransi ndi yotani?

Kuchotsa ndalama kumathandizira kuti mtengo wokhala ndi inshuwaransi yazaumoyo ukhale wotsika mtengo pokhala ndi omwe amakulipirani ndalama amalipira njira zanthawi zonse komanso ndalama zazing'ono za inshuwaransi zomwe zimatuluka m'thumba koyambirira kwa chaka, pomwe makampani a inshuwaransi amalipira njira zokulirapo, zotsika mtengo zamankhwala atachotsedwa. Deductible yanu ikakwera, nthawi zambiri mumalipira ndalama zochepa pamwezi. Chifukwa kampani ya inshuwaransi poyamba imalipira ndalama zochepa pazomwe mumanena ndi deductible yayikulu, imatha kulipiritsa ndalama zochepa pamwezi. Kuchuluka kwa mapulani amtundu uliwonse kumayikidwa ndi kampani ya inshuwaransi, kapena boma, kutengera mtundu wanji wa inshuwaransi yomwe muli nayo.



Kodi deductibles amagwira ntchito bwanji?

Kumvetsetsa momwe deductible imagwirira ntchito kumakhala kovuta pang'ono. Tiyerekeze kuti dongosolo lanu la inshuwaransi yazaumoyo limaphatikizapo kuchotsera $ 1,000. Izi zikutanthauza kuti muyenera kulipira $ 1,000 pazandalama zanu (chaka chilichonse) kampani yanu ya inshuwaransi isanakulipireni zina zofunika kuchipatala. Zokopa (ma copays) sagwiritsidwa ntchito mochotsa deductible yanu; Zimasiyanasiyana ndi mapulani ngati kulipira kwa omwe mumapita kuchipatala komanso mankhwala omwe mumalandira kumachokera kwa omwe mumachotsera kapena ayi.

Chifukwa chake, mutalipira ndi kulipira $ 1,000 imeneyo, kampani yanu ya inshuwaransi ikuthandizani kulipirira ndalama zina zowonjezera. Izi zitha kukhala ntchito za labu, njira zantchito, kapena maopaleshoni. Nthawi zina anthu amakhalanso ndi udindo chitsimikizo , yomwe ndi gawo lolipiridwa ndi ogula pamitengo yazaumoyo nthawi zambiri deductible ikakumana.

Mukakhala kwa dokotala, mutha kumva mawu akuti deductible. Izi zikutanthauza kuti kuyerekezera kwa mtengo wa dotolo sikuganizira ngati mwamenya deductible yanu chaka kapena ayi. Ntchito zina sizingalandiridwe kwa deductible ndipo zimaphimbidwa ndi 100% ndi omwe amakupatsani inshuwaransi ngakhale musanakumenyereni deductible. Ntchito izi zimaphatikizapo chisamaliro chodzitetezera, monga ma fiziki apachaka kapena katemera wanthawi zonse. Zina zingafune kuti mulipire zochuluka mthumba ngati simunagunde deductible yanu chaka cha kalendala.



Kodi kuchotsedwa kumatanthauza chiyani kwa inu?

Mukamalembetsa inshuwaransi yazaumoyo, khalani ndi nthawi yoganizira za deductible yomwe mwasankha. Ndondomeko zaumoyo zomwe zimachotsedwera nthawi zambiri zimabwera ndi zolipira zochepa pamwezi ndipo zotsitsa zochepa zimabwera ndimapulogalamu apamwamba.

Ngati mupeza kuti mumapita kukaonana ndi adokotala chaka chimodzi, lingalirani za deductible yocheperako, mapulani apamwamba chifukwa mudzamenya deductible yanu posachedwa pang'ono ndipo dongosolo lanu lidzakulipirani ndalama zambiri. Ngati simukumana ndi mavuto azaumoyo kapena simunakumane ndi deductible yanu chaka chatha, lingalirani za deductible, mapulani oyambira kuti mupeze ndalama zabwino kwambiri.

Kuganizira za ndalama zoyambira komanso zochotseredwa ndi zina mwazinthu zomwe muyenera kuganizira posankha dongosolo. Muyeneranso kulingalira ngati madotolo anu akutenga nawo gawo muukonde wa mapulani, komanso ngati chithandizo chamankhwala chomwe mukufuna chimakwaniritsidwa, mwazinthu zina.



ZOKHUDZA: Ntchito zaumoyo za 5 zomwe mungachite mutakumana ndi ndalama zanu

Momwe mungasungire ndalama kuchotsera inshuwaransi yazaumoyo

Ndondomeko zothandiza pantchito zakuchipatala zilipo, koma zimasiyana malinga ndi boma ndi ndalama. Anthu ena atha kulandira mwayi wopeza pagulu womwe ungatsitse kapena kuchotsera zochotseredwa. Kwa anthu omwe sioyenera kulandira ndalamazi, mapulani a inshuwaransi omwe amakulemberani ntchito amapereka ndalama zabwino kwambiri, popeza mumagawa ndalama ndi abwana anu. Kuti mumve zambiri zamankhwala abwino omwe mungasankhe kwa anthu omwe amadzipangira okha, onani Pano .



Njira ina yosungira ndalama ndikulemba ndalama zomwe mumalipira pamisonkho. Kuyambira mu 2019, pali fayilo ya kuchotsera ndalama zamankhwala . Ngati mungakwanitse kulipira ngongole zonse zachipatala ndipo zimakhala zofanana ndi 7.5% ya ndalama zanu zapachaka, mutha kuzipereka pamisonkho. Zinthu zokhazo zomwe zingachotsedwe ndi ndalama zomwe sizinapezeke ndi inshuwaransi yazaumoyo wanu.

Ziribe kanthu kuchuluka kwa zomwe mumachotsa, Osakwatira imapereka ndalama pamankhwala azakumwa. Ingofufuzani mankhwala anu ndikuyerekeza mtengo wathu ndi mtengo wamtengo wapatali kapena copay ya inshuwaransi yanu. Yambani kupulumutsa lero!



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