Kodi pali kusiyana kotani pakati pazochepetsedwa ndi zotuluka mthumba?

Kampani

Mudangolandira chithandizo chamankhwala ndikuwona bilu - muli ndi ngongole. Koma simulipira chindapusa pamwezi pa inshuwaransi yazaumoyo kotero simukuyenera kulipira ngongole zamankhwala? Osati kwenikweni.

Chaka chilichonse, ambiri omwe amakhala ndi mfundo zawo amayenera kutaya ndalama zina m'thumba pazithandizo zamankhwala asanalandire inshuwaransi yawo. Akafika pa dola imeneyo, yotchedwa deductible, kampani ya inshuwaransi yazaumoyo imagawana zolipazo mpaka woperekayo akafika pamatumba ake, ndalama zomwe muyenera kugwiritsa ntchito kuti inshuwaransi ikwaniritse zonse zofunika kuchipatala. Werengani kuti mumvetse kusiyana pakati pa awiriwa.

Kodi inshuwaransi yazaumoyo imachotsedwa bwanji?

Chaka ndi chaka kuchotsedwa ndi ndalama zomwe muyenera kuwonongera pa inshuwaransi yanu isanakwane. Izi ndizophatikiza pamalipiro apamwezi kuti mukhale pa pulaniyo. Nthawi zambiri, ma premium apamwamba amatanthauzira kuti achepetse ndalama, pomwe ndalama zochepa zimangotanthauza kuti amachotsera kwambiri. Mapulani ambiri a inshuwaransi, kuphatikiza inshuwaransi yaumwini komanso wolemba anzawo ntchito, amakhala ndi deductible. Komabe, mapulani ena a bungwe lokonza zaumoyo (HMO) ali ndi deductible yotsika kapena samachotsedwapo konse.

Kodi kutalika kwa mthumba ndi chiyani?

Chaka ndi chaka Kutuluka mthumba ndiwo malire omwe wothandizirayo azilipira ntchito zothandizira zaumoyo, kuphatikiza mtengo wamtengo wapatali. Wapolisiyo akafika pamalowo (omwe deductible ndi amakopera , mwa zina,zimathandizira), dongosolo la inshuwaransi lidzalembanso zina zonse zofunika pazachipatala chaka chimenecho.

Zochepetsedwa motsutsana ndi mthumba

Kwenikweni, deductible ndiye mtengo womwe wopanga mfundo amalipira chisamaliro chisanachitike inshuwaransi isanakwaniritse zolipirira zilizonse, pomwe kutuluka mthumba ndi ndalama zomwe wopanga mfundo zake amawononga pazoyenera kuchipatala kudzera pama copays, coinsurance, kapena deductibles pamaso pa inshuwaransi imayamba kubisa zonse zolipira. Chifukwa cha ichi, kuchotsera kwa omwe amakhala ndi malingaliro nthawi zonse kumakhala kotsika kuposa kutulutsa mthumba.

Mwachitsanzo, munthu atha kukhala ndi $ 2,000 yochotseredwa ndi $ 5,000 kutuluka mthumba, akuti David Belk , MD, wolemba wa Mtengo Weniweni Wosamalira Thanzi . Amatha kupeza chithandizo chamankhwala chamtengo wapatali cha $ 10,000, titi, kuchipatala, opareshoni, ndi chisamaliro cha pambuyo pa opaleshoni. $ 2,000 yoyamba imalipira kwathunthu ndi wodwalayo. Pambuyo pake, wodwalayo angafunike kulipira ndalama zolipirira ndalama zokwanira - $ 20, $ 50, $ 100 zotsimikiziratu pasadakhale ndi kampani ya inshuwaransi, ndipo kutengera ndi ntchitoyo — kapena peresenti ya malipiro onse a ntchito iliyonse, yomwe ndi chitsimikizo chandalama.

Pomwe ndalama zonse zandalama za munthu ameneyu komanso ndalama zomwe amachotsera zatha $ 5,000, sangakhalenso ndi ngongole chaka chilichonse kuchipatala chifukwa inshuwaransi yawo idzalipira ndalama zina zonse, akufotokoza.

Kodi ma maximum akutuluka m'thumba amatha kufika bwanji mu 2020?

Ngakhale ma deductibles komanso ma pocket maximums amasiyanasiyana malinga ndi mapulani, mapulani onse omwe amakwaniritsa mitengo yotsika mtengo ya Care Act (ACA) amakhazikitsa malire pachaka momwe ma maximums akutuluka m thumba amatha. Chaka chino, IRS imatanthauzira mapulani okhudzana ndi zaumoyo ngati omwe amachotsera $ 1,400 kwa anthu kapena $ 2,800 yamabanja. Za 2020 , ma maximums akuthumba sangathe kupitirira $ 6,900 pamalingaliro amunthu payekha ndi $ 13,800 ya pulani ya banja. Ndalama zomwe zimaperekedwa chifukwa chazachipatala sizimawerengera manambalawa.

Kodi deductible imagwiranso ntchito kutuluka mthumba?

Choyamba, ndikofunikira kumvetsetsa momwe mungakwaniritsire kuchotsera kwanu. Ntchito zodzitetezera monga kuwunika pachaka zimaperekedwa popanda ndalama zowonjezera. Chifukwa chake, sizimathandizira kukumana ndi deductible yanu. Ngakhale zimasiyanasiyana ndi mapulani, zolipirira pamaofesi omwe amapezeka pamaofesi nthawi zambiri sizimangodalira kuchotsera pomwe mankhwala azamankhwala amatha kuwerengera phindu lina la deductible. Mtengo wa kuchipatala, opareshoni, kuyesa kwa labu, sikani, ndi zida zina zamankhwala nthawi zambiri zimawerengeredwa pamachotseredwe.

Zogwiritsa ntchito pa intaneti, zomwe mumagwiritsa ntchito pokwaniritsa zomwe mumachotsera zimagwiranso ntchito kutchinga mthumba.

Kulipira kwapamwezi pamwezi sikugwira ntchito pazochepetsa kapena zotuluka mthumba. Ngakhale mutakwanitsa kuchuluka kwanu mthumba, mufunikabe kupitiliza kulipira mtengo wapamwezi wamapulogalamu anu azaumoyo kuti mupitilize kulandira chithandizo.

Mapulogalamu omwe amalandila kuchokera kwa omwe akutuluka kunja kwa intaneti nawonso samawerengera kutuluka mthumba, komanso mankhwala ena osaphimbidwa ndi mankhwala. Ndalama zomwe zili kunja kwa thumba zikakwaniritsidwa, omwe ali ndi mfundo zawo sayenera kulipira chilichonse - kuphatikiza ndalama zolipirira ndalama ndi chitsimikizo cha ndalama - kuchipatala chilichonse.

Zochepetsedwa motsutsana ndi mthumba mtunda: Chofunika ndi chiyani?
	Kuwerengera	Sawerengera
Kuchotsa	Chipatala Opaleshoni Mayeso a labu Zojambula Zipangizo zina zamankhwala Mankhwalawo - ngakhale, atha kuwerengera kuchotsera padera	Ntchito zapanja Kukopera Malipiro apamwezi
Malire akuthumba	Ndalama zonse zomwe zinali kunja kwa thumba zomwe zimagwiritsidwa ntchito kuti akwaniritse deductible Kukopera	Ntchito zapanja Malipiro apamwezi

Momwe mungasungire ndalama zothandizira

Muli ndi deductible yayikulu komanso / kapena kutuluka mthumba? Pali njira zina zopulumutsira.

• Ngati ndalama zanu zonse zakuthumba zomwe mumalipira-mwanjira ina, ndalama zomwe simunalipire ndi dongosolo lanu lazaumoyo wa chaka chomwe mwaphatikizazo zimapitilira 10% ya ndalama zanu zonse pachaka, mutha kutenga kuchotsera ndalama zamankhwala pamisonkho yanu pa gawo la ndalama zanu
• Khazikitsani akaunti yosunga zaumoyo (HSA) , komwe mungasungire ndalama za msonkho pazandalama. Mosiyana ndi akaunti yosungitsa ndalama (FSA), ndalama za HSA zimapitilira chaka ndi chaka. Ngati simugwiritsa ntchito ndalama zonse zomwe zimasungidwa mu HSA yanu mu 2020, mudzakhala nazo za 2021 ndi kupitirira apo.
• Sungani ndalama zolipirira zaumoyo pogwiritsa ntchito makuponi a SingleCare a mankhwala. Ndalama zilizonse zakuthumba zomwe zimagwiritsidwa ntchito ndi coupon ya SingleCare sizingafanane ndi kuchotseredwa kapena kutulutsa mthumba koma zimangopulumutsa pamtengo.