Indlela Yokufumana Iprogram Yomshuwalense Wezempilo Eyodwa
Kwabanye abathengi, ukuthenga i-inshurensi yempilo yodwa yinketho yokufumana impilo kuphela. Nangona kunjalo, nangona unomshuwalense wezempilo kumqeshi wakho, umgaqo-nkqubo we-inshorensi yempilo / yentsapho ingaba yindlela yokugcina imali. Ngama- inshorensi yempilo ekhulayo kunyaka ngamnye kunye nabaqeshi abadlula ngaphezulu iindleko kubaqeshwa babo, i-inshorensi yezempilo yenkampani yakho ayinakuba yinto engcono kakhulu.
Ngokwe-Kaiser Family Foundation, ngowama-2016, umqeshwa waseMerika onomshuwalense wezempilo oxhaswe ngumqeshi wanikele ngemali eyi-1,129 kwi-plan yezempilo yomntu omnye kunye ne-5,277 ye-plan yezempilo yentsapho. Ekubeni oku kungumyinge, abanye abasebenzi banokuhlawula ngaphezulu (abaqeshi bahlawula ubuninzi beprayimari ezipheleleyo, ezilinganiselwa kumaRandi angama-6,435 kwabasebenzi abangatshatanga kunye ne-18,142 yee-$ 18,142 zokufikelela kwintsapho).
Thenga i-Intanethi kwi-Premium ye-Intanethi yezempilo
Thengeza nge-intanethi uze ubone ukuba unokufumana umgaqo-nkqubo womshuwalense wabucala owanikezela nge-coverage oyifunayo kodwa engabizi ngaphaya kwe-premium oyihlawulayo emsebenzini.
Indawo elungileyo yokuqala i-HealthCare.gov. Le ngxowa-mali ye- inshurensi yempilo eyenziwe nguMthetho woKhuseleko weMonde kunye noMthetho woNonophelo ojongene noThathaka , kunye nesitoreli esisodwa kwisitishi-nkonzo se-inshurensi yezempilo (qaphela ukuba utshintshi ngokwawo luqhutywa nguRhulumente, kodwa izicwangciso zezempilo ezithengiswayo ukutshintshisana bonke babucala, kwiinkampani ze-inshorensi zempilo oqhelekileyo.
Abantu abangama-39 basebenzisa i-HealthCare.gov ukuba babhalise kwizicwangciso zorhwebo. Amanye ama-11 athi kunye neSithili sase-Columbia sinokungqubana kwamanye amazwe, kwaye uya kuhanjiswa kwiindawo zabo ezivela kwi-HealthCare.gov xa ukhetha urhulumente wakho.
Enye indawo yokufuna ulwazi malunga neendlela zokwenza izicwangciso zempilo kwindawo yakho yintengiso.
Inkampani ekwi-intanethi inikeza ulwazi kunye nokufikelela kwi-1000s ye-inshorensi yezempilo kwaye ilayisenisi kuwo onke ama-50 nakwiSithili sase-Columbia. Nangona ungayithengi i-inshurensi ngabo, u-healthcare indawo yindawo efanelekileyo yokufuna isicwangciso sempilo kwaye ufumane ingqiqo yezicwangciso ezininzi ezikhoyo kwimeko yakho kunye nokuba zibiza kangakanani. I-einsalthinsurance ingakubonisa izicwangciso ezifumanekayo, kunye neendlela zokutshintshiselwa.
Qaphela ukuba zonke izicwangciso zorhwebo, kungakhathaliseki ukuba zathengiswa ngetshintshiselwano okanye cha , zine window yokubhalisa yonyaka evulekile . Ukuba uthengisa ngaphandle kobhaliso oluvulekile, uya kufuneka ube nesiganeko esifanelekileyo ukuze ubhalise.
Ukuthengwa koMntu / iSicwangciso seNtsapho singanceda
Phakathi kwabasebenzi kwiinkampani ezincinci (ukuya kuma-199 abasebenzi) abanentsholongwane ye-inshorensi yempilo yentsapho, iipesenti ezingama-34 zihlawula ngaphezu kwesigama se-inshorensi yabo yempilo yentsholongwane yomshuwalense njengenqanaba lokunciphisa umvuzo (kunye nomqeshi ukuhlawula intsalela).
Ekubeni i-premium yentsapho engaphezu kwe-18,000 zamawaka, abasebenzi abaninzi bakhokhela ngaphezu kwama-9,000 e-$ ukuzifihla ngokwabo kunye neentsapho zabo. Abanye balaba baqeshwa banokungcono ukuthenga i-inshorensi yabo. Umzekelo:
U-Doug Jones usebenzela inkampani encinane enika iplani ye-inshurensi yezempilo ye-PPO (kunye ne- deductible ye-$ 1500) ngabasebenzi kunye nentsapho yabo. Ngenxa yokutshintshwa kwehla kwezoqoqosho, inkampani kaDoug yandisa isabelo sayo sekhaya ngenyanga ye-premium ukuya kuma-60%, ebiza uDoug malunga ne-$ 950 ngenyanga.
Umfazi kaDoug usebenza ngethuba lithile njengelayibrari kwaye akanakho inzuzo yomshuwalense wezempilo. I-Joneses inabantwana ababini abaneminyaka engama-7 no-10. Onke amalungu omndeni asempilweni kwaye aphila ngendlela enempilo.
Kwinkalo ezininzi, ngaphambi ko-2014, uDoug usenokuba wayifumana ingxelo ebhalwe phantsi kwempilo kwintengiso ye-inshurensi yempilo ukuba ibe yindleko engaphantsi kunecebo layo elisekelwe kumsebenzi. Kodwa i-ACA ivimbele iinkampani ze-inshorensi zempilo ekuqwalaseleni imbali yonyango yabafaki-sicelo xa beka amanani kunye nokugqiba ukufaneleka kokufumana ingxelo.
Ngenxa yoko, umehluko kwixabiso phakathi kwezicwangciso zentsapho / iintsapho kunye nezicwangciso ezixhaswe ngumqeshi zincinci. Izicwangciso zeemarike zomntu ngamnye zibiza kakhulu kunokuba zaziqhelekile, nangona kubhalise abaninzi, inkxaso-mali ye-premium
Ngelishwa kuDoug, yena kunye nentsapho yakhe ngokuqinisekileyo ayifanelekanga kwi-premium inkxaso. Ngaphandle kokuba u-Doug ngokwakhe ngokwakhe (ngaphandle kwentsapho yakhe) ithathwa njengexabiso elifanelekileyo kwaye unika ubuncinane ubuncinane, yena kunye nentsapho yakhe abavumelekanga. Oku kwaziwa ngokuba yi- glitch yentsapho .
Nangona kunjalo, basenokukwazi ukufumana isicwangciso esincinci esincinane kwiimarike zentsapho / kwintsapho, kwanokuhlawula ixabiso elipheleleyo leeprayimari. Ngokuqinisekileyo kuya kuba ne-high deductible and out-of-pocket exposure ngaphandle kwesicwangciso somqeshi sikaDoug, kodwa loo nto ingaba yintengiso-ntsapho eyenziwa njengelungileyo.
Qonda okukhethiweyo; Funda iPrint Fine
Ukuba unelungelo lokubhalisa kwisicwangciso somntu ngamnye / okanye usapho (mhlawumbi ngexesha lokubhalisa okuvulekileyo okanye ngenxa yesiganeko esifanelekileyo) kwaye ufuna ukwenza ishintsho, qiniseka ukuba uyaziqonda ngokupheleleyo iingenelo kunye nemingcele yesicwangciso ngasinye ngokuthelekiswa kwisicwangciso sakho esisekelwe kumqeshi.
Iintlobo zihluke njani? Yintoni onokuyihlawulisa kwiindleko ezingaphandle kwee-pocket ukuba unokulimala okanye ugula kakhulu? Uthelekisa njani na ukuphuma kwakho kwepokotho kwiplani exhaswe ngumqeshi? Ngaba oogqirha bakho kwi-intanethi yesicwangciso ngasinye? Uya kufuna ukuqwalasela ngokucophelela zonke ezi zinto ngaphambi kokuba uguqule, kwaye ugcine ukhumbule ukuba awuyi kukwazi ukuphinda ujoyine icebo lomqashi wakho kuze kufike iphepha elilandelayo lokubhalisa iwindi elinikezwa ngumqeshi wakho.
Ukuba ufaka isicelo se-inshurensi yempilo, awuyikukhansela nayiphi na inkonzo yomshorensi yempilo okwangoku unayo ufumane imvume yokufumana imvume kunye nenqubomgomo yomshuwalense, okanye inkontileka kwisicwangciso sezempilo oyikhethile.
Ngaphambi kokuba wenze nayiphi na ukuzibophezela, hlaziya ngokucokisekileyo inkqubo entsha yomshuwalense.
Ukuhlaziywa nguLouise Norris.
> Imithombo:
> IKaiser Family Foundation, iiNzuzo zezeMpilo zabaSebenzi, 2016 isishwankathelo seziFundo .