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Kodi pali kusiyana kotani pakati pa copay ndi deductible?

Kodi pali kusiyana kotani pakati pa copay ndi deductible?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 umabwera. Timawononga mawu kuti mumvetsetse-ndikumvetsetsa, pakubwera bwino.





Kusankha njira yazaumoyo? Kuphatikiza pa mtengo wapamwezi, kapena kulipira, ndikofunikira kuti mumvetsetse zina zomwe mudzakhale ndiudindo wazachuma. A copay ndi deductible amathandiza kudziwa kuchuluka kwa zomwe mudzalipira mthumba; ndalamazi zingakhudze kwambiri momwe mapulani anu angakwaniritsire bajeti yanu. Simukudziwa kusiyana pakati pa copay vs deductible pano? Takuphimba.



Kodi copay ndi chiyani?

Ma kopi ndi ma deductibles onse ndi mitundu yogawana mtengo-mudzalipira gawo limodzi lazamalipiro anu onse azaumoyo, ndipo kampani yanu ya inshuwaransi nthawi zambiri imaphimba kusiyana pakati pa zomwe mwalipira ndi zomwe mudalipira.

KU copay ndi gawo lanu la chindapusa cha chisamaliro chapadera, kaya ndi ulendo wa dokotala kapena mankhwala. Nthawi zambiri zimakhala zodalirika ndipo zimatha kulembedwa kumbuyo kwa khadi lanu la inshuwaransi, monga $ 20 paulendo wa dokotala kapena $ 10 pakulembetsanso mankhwala. Nthawi zambiri, kukweza ndalama pamwezi pamwezi, kapena ndalama zomwe mumalipira pa pulani yanu, m'munsi pamisonkho. Pazithandizo zodzitetezera, monga mammogram kapena thupi pachaka, mwina simungakhale ndi copay konse. Ma copays nthawi zambiri amasiyana pachisamaliro choyambirira motsutsana ndi chisamaliro chapadera mumanetiweti anu a inshuwaransi, komanso dzina la mankhwala motsutsana ndi mankhwala wamba.

Kodi deductible ndi chiyani?

Zodulidwa , mbali inayi, ndi zomwe muli ndi udindo wolipira mthumba kampani yanu ya inshuwaransi isanayambike.



Mukachotsa deductible yanu, kampani yanu ya inshuwaransi ayenera yambani kubisa ndalama zambiri zomwe mudawononga, koma mtengo wovuta zokhudzana ndi kutsimikizika kapena mipata yokutidwa zitha kutulukabe (zambiri pambuyo pake).

Monga ma copays, kukweza kwanu kwapamwezi pamwezi, kumachepetsa ndalama zomwe mumachotsera, chifukwa mumalipira ndalama zambiri ku kampani yanu ya inshuwaransi patsogolo. Mukamasankha njira yothandizira zaumoyo, ndikofunikira kuzindikira kuchuluka kwa ndalama zomwe muyembekezeredwe kutulutsa-kuwonjezera pamalipiro anu apamwezi-inshuwaransi yanu isanatenge tsamba lonselo.

Anthu ambiri sakudziwa kuti adachotseredwa chiyani mpaka atakhala ndi vuto ladzidzidzi, atero a Rachel Trippett, MD, dokotala wabanja ku US Public Health Service Indian Hospital ku New Mexico. Imeneyo si nthawi yomwe mukufuna kudziwa kuti muli ndi deductible yomwe simungakwanitse.

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



Kodi ma copay ndi ma deductibles amagwirira ntchito limodzi bwanji?

Zikumveka zosavuta, koma zingagwire ntchito bwanji pamoyo weniweni? Tiyeni tiwononge.

Mwezi uliwonse, mumalipira pamwezi; iyi ndi ndalama yongokhala ndi inshuwaransi yazaumoyo. Ngati mumalandira inshuwaransi yazaumoyo kuchokera kwa owalemba ntchito, gawo lanu limatha kutuluka mukulipira kwanu.

Tsopano tinene kuti mkati mwa chaka, mumatha kuthyola bondo. Muli ndi chipinda chochezera mwadzidzidzi, komanso maulendo angapo ku madokotala osiyanasiyana, kuti mubwerere.



Apa ndipomwe deductible yanu imakhala yofunikira. Mudzafunika kugunda deductible yanu yapachaka-ndalama zomwe mudalipira mthumba pazithandizo zilizonse zamankhwala zomwe sali copays-inshuwalansi yanu asanayambe kulipira ndalama zambiri zamankhwala anu.

Kodi chitsimikizo ndi chiyani?

Koma pamadongosolo ambiri a inshuwaransi, kufikira komwe mumachotsera sikukutanthauza kuti mukutsimikiza kuti simulipira chilichonse. M'malo mwake, inunso mutha kukhala nawo chitsimikizo chindapusa. Izi ndi gawo lazamalipiro anu azaumoyo omwe mukuyenera kupereka, kufikira mutakwaniritsa ndalama zakampani yanu ya inshuwaransi pachaka. Ndizomwezo okwana ndalama zomwe mudalipira chaka chonse pazandalama zanu zonse, kuphatikizapo ndalama zolipirira (koma osaphatikizapo ndalama zomwe mumalandira mwezi uliwonse).

Ndi kamodzi kokha mukafika pazokwera pomwe inshuwaransi wanu amafunika kulipira 100% ya ndalama zomwe mumalipira kuchipatala. Yang'anirani kalendala, inunso; Ndondomeko nthawi zambiri zimakhala za chaka chonse, kotero kuti maudindo anu omwe angachotsedwe adzakhazikitsidwanso patsiku lanu la inshuwaransi kapena pa Jan. 1 ngati deductible ikukhazikitsanso chaka chilichonse.



Mwachidule, deductible ndi ndalama zakuthumba zomwe mumayenera kulipira inshuwaransi yanu isanayambe kulipira chilichonse chazakudya chanu. Ma copay ndi ndalama zapadera, zosasinthika zomwe nthawi zambiri sizimawerengera kuchotsedwa kwanu zomwe mungafunike kulipira mukawona dokotala kapena mutalandira mankhwala. Mukakumana ndi deductible yanu, mudzakhala mukulipira zochepa pakusamalira kwanu, komabe mutha kukhala ndiudindo wothandizira ndalama, kufikira mutakwanitsa kuchuluka kwanu kwapachaka mthumba kwakachaka.

Coinsurance vs copay vs. deductible: Momwe mungapewere ndalama zowonjezera

Njira imodzi yabwino yopewera ndalama za inshuwaransi mosayembekezeka ndikumamatira kwa madotolo ndi zipatala mkati mwa netiweki yanu. Inshuwaransi yanu yakambirana mtengo wotsika kwa operekera awa, omwe nthawi zambiri amatanthauzira kuti achepetse ngongole ndi zolipirira mthumba.



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