Range Range yeNtlawulo yeNkonzo ejongene nezeMpilo
Xa ubhekane nenkoso yonyango , elinye ixesha oya kufikelela ngalo ngumrhumo oqhelekileyo kunye wesiko. Kubalulekile ukuqonda ukuba yintoni imirhumo efanelekileyo neyesiko.
Sibanzi
Imirhumo efanelekileyo kunye neyesiko yimalini yemali enikwe umniki-nkonzo othile ojongene nenkonzo yezempilo enomlinganiselo okanye ovumelekileyo wenkokhelo kwinkonzo ethile enxulumene nempilo okanye inkqubo yonyango.
Imirhumo eqondakalayo kunye neyesiko isebenza kwiindawo ezikhoyo zendawo, kwaye inani elichanekileyo leemali ezinjalo zixhomekeke kwingingqi yenkonzo.
Ukuba iintlawulo zeenkqubo ezinxulumene nempilo okanye inkonzo oya kuyo (okanye ugqirha) ukuthumela kumboneleli wakho wonyango uphezulu kunokuba isicwangciso sezempilo sibheka njengesiqhelo okanye esamkelekileyo kwinkonzo enxibekileyo, isicwangciso sakho sezempilo asivumelekanga okanye sigubungele imali epheleleyo ehlawulwe kuwe. Ngaloo ndlela, unokuphelisa ukuba uhlawule umehluko ngaphandle kwesikhwama.
Abantu abane-inshorensi yempilo babhaliswa kwisicwangciso sokunyamekela (njengenjongo ye-PPO okanye i-HMO) akufanele bakhathazeke ngemirhumo efanelekileyo kunye neyesiko, njengoko kungabikho phantsi kwazo.
Iinkqubo Zamazinyo
Imirhumo eqondakalayo kunye neyesiko isetyenziswa rhoqo kwiinkqubo zamazinyo. Ziye zixhaphake ngakumbi xa abaninzi abantu babe neyonyango enkulu, okanye inzuzo yomshuwalense wezempilo. Ngoku, nangona kunjalo, baninzi ukuba ababaninzi baseMerika abanomshuwalense wezempilo babhalise kwisicwangciso esithile sokunyamekela (njengePPO okanye i-HMO) kwaye abaxhomekeke kwimirhumo efanelekileyo neyesiko.
Ukuba ukhona kwi- PPO kwaye unqume ukuphuma kwintanethi yenkathalo, unokufuneka uhlawule i- coinsurance , edla ngo-20%. Ngamanye amaxesha kunokwenzeka ukuba uhlawule imali eyongezelelweyo ngokusekelwe kwimirhumo efanelekileyo neyesiko.
Umzekelo
Ngezantsi umzekelo wemali efanelekileyo neyesiko:
Masithi uye waphuma-yenethiwekhi kwinkqubo encinci yokuhlinzwa.
Ugqirha ugxotha i-$ 1500 yenkqubo, kodwa isicwangciso sezempilo senze ukuba imirhumo efanelekileyo neyesiko yenkqubo ethile i-$ 1000. Isicwangciso sakho sezempilo siya kuhlawula ugqirha i-$ 800 kwaye uya kufuneka ukhokhe imali engama-200 engama-coinsurance. Ugqirha unokukuthumela ne-bill ye-$ 500 esele.
Indawo iya kudlala, nangona kunjalo. Ngokuxhomekeka kwindawo ohlala kuyo kwaye apho inkqubo yenziwa khona, imithetho yakho yomshuwalense yomhlaba, kunye namalungiselelo enkontileka phakathi kwababoneleli kunye nezicwangciso zempilo kunokusebenza ukucacisa ukuba kuya kufuneka uhlawule ngokuthe ngqo.
Eyaziwayo Njenge: Imirhumo enengqiqo kunye neyesiko nayo ibizwa ngokuqhelekileyo njengemali ehlawulwayo, Imali eqikelelwayo, kunye nemirhumo yemveli.