Ngexesha lobhaliso oluvulekile khetha ukhetho oluhle lwezempilo impilo yakho kunye nosapho lwakho
Nangona unokuba ucinga malunga nomviwa oza kuvota okhethweni lukaNovemba, kufuneka uhlawule ngokugqithiseleyo utshintsho kwi-inshorensi yakho yezempilo. Iinkampani ezininzi zinikela ngeendlela ezininzi zezempilo ezikhethiweyo ezinokuba nezindleko kunye neenzuzo ezahlukeneyo, kwaye ithuba lokubhalisa lonyaka ovulekileyo lomqeshi lakho lilungelo lokwenza utshintsho kwi-coverage yakho.
Ubhaliso oluvulekileyo luya kwenzeka ngokukhawuleza kunyaka ngamnye wekhalenda kwaye kwiinkampani ezininzi zigcinwa kanye kunye kwaye zihlala ziphela kwiiveki ezimbini kuphela. Ukuba ulahlekelwa ukubhaliswa kwonyaka ovulekileyo kwenkampani yakho, unako ukukwazi ukubhalisa kwisicwangciso sezempilo somqeshi-okanye wenze utshintsho kwi-coverage yakho ekhoyo-omnye unyaka.
Hlola kwisebe lezakhono zenkampani yakho ukufumana ukuba ixesha lakho lokubhalisa elivulekileyo liqala kwaye liphela, kwaye xa i-inshorensi yempilo yakho iyasebenza. Ngokuqhelekileyo, ukubhalisa okuvulekileyo kwenzeka ntoni ngasekupheleni konyaka, nazo zonke izicwangciso zenguqu, ukubhaliswa, kunye nokupheliswa kokuvala ngokufanelekileyo ngoJanuwari 1 wonyaka ozayo. Kodwa le nto ayisoloko ikhona, ngoko ke uhlolisise ukuba uqiniseke (phawula ukuba ixesha lokubhalisa elivulekileyo kwikarhwebo ngalinye liqala ngoNovemba 1 ngonyaka , kwaye ixesha lokubhalisa elivulekileyo le-Medicare Advantage kunye ne-Medicare Part D liqala ngo-Oktobha 15 ngonyaka , kodwa izicwangciso ezixhaswe ngumqeshi zinamahedyuli ahlukeneyo okubhalisa).
Ukukhetha Isicwangciso seMpilo ngexesha lokuBhaliswa okuBhaliweyo
Qinisekisa ukujonga ngokucophelela kuzo zonke izicwangciso zezempilo zakho zokugqiba ukuba yisiphi isicwangciso esifanelekileyo wena nentsapho yakho. Abantu abaninzi bakhetha isicwangciso esinempembelelo encinci kwi-paycheck-isicwangciso kunye neprayim ephantsi. Nangona kunjalo, loo nto ayinakuba yindlela ekhethekileyo kuwe.
Gcina ixesha kwaye wenze umsebenzi wesikolo!
Inkampani yakho kufuneka ikunikezele ngezinto ezibhaliweyo ezichaza zakho iingenelo. Abaqeshi abaninzi banikela iintlanganiso zeplani yeenzuzo apho unokubuza imibuzo malunga neendlela zakho zempilo. Ukuba awuyiqondi into oyi-inshorensi yakho, cela uncedo lokukhumbula, xa usenza isigqibo, awukwazi ukutshintsha izicwangciso unyaka ozayo.
Qonda i-inshorensi yempilo yomshuwalense
Ukuba awuyiqondi imigudu yomshuwalense wakho, unokukuhlawula ngaphezulu ngexesha lonyaka ozayo. Ezinye izinto ezibalulekileyo zokufunda malunga nazo zi:
- Uwuphi umehluko phakathi kwe- copayment kunye ne- coinsurance ?
- Yintoni echithwa ngonyaka kwaye ingachaphazela njani iipresimari zenyanga kunye neendleko zephandle ?
- Yintoni inethiwekhi yomnikezeli kwaye kwenzekani ukuba usebenzisa udokotela ongekho kwinethiwekhi ?
- Ziziphi iintlukwano phakathi kwePPOs, EPOs, kunye nee-HMO kwaye yeyiphi enye into ekhethekileyo kuwe?
Hlola iimali zakho zokunakekelwa kwempilo kunyaka odlulileyo
Ukuphonononga unyango kunye neendleko enentsapho yakho ezisetyenziswe kulo nyaka kwaye ucinge ngeenguqu kwiinkonzo zempilo onokuzidingayo kunyaka ozayo. Ngokomzekelo, ngaba uceba ukuba nomntwana okanye umntu othile osentshonalanga onokufumana ukuba unesifo esingapheliyo njengesifo sikashukela?
Khangela ukuba ukhangele ukuba ngaba Aboneleli Bakho Bempilo bayamkela i-Intshurensi yakho
Ngaphambi kokuba uzalise iphepha ukuze utshintshe izicwangciso, qiniseka ukuba ugqirha wakho, ugqirha wezonyango, kunye nesibhedlele ziyinxalenye yentengiso yesicwangciso sezempilo ozikhethayo. Ngokuxhomekeka apho uhlala khona, ababoneleli bakho abanakho ukuba benethwekhi xa ushintshela inkampani yakho yomshuwalense okanye utshintshe kwisicwangciso sezempilo esahlukileyo. Ngaloo nto, kubalulekile ukujonga ukuba ababoneleli bakho basese-kwinethiwekhi, nokuba ngaba ukhetha ukugcina ingxelo yakho yangoku kubanikezeli banikeze kwaye bahambe kwiintanethi zangasese kunini na.
Izinto ezi-5 zokulinda kwixesha lokuBhalisa okuVulekileyo
Abaqeshi bazama ukugcina imali, ingakumbi njengoko indleko zezempilo ziqhubeka nokunyuka kwayo. Enye indlela yokwenza oku kukunciphisa inzuzo ye-inshorensi yempilo (oko kukuthi, i-deductibles ephezulu, i-copays, kunye neendleko zokuphela kwee-pocket) kunye / okanye ukutshintsha iindleko ze-premium kubasebenzi. Qinisekisa ukuba ufunde ngokucophelela izixhobo zakho zokucwangcisa impilo, njengoko unokufumanisa ukuba izibonelelo zakho kunye neendleko ziya kutshintsha kunyaka ozayo.
- Hlola ukuba ubone ukuba ngabaxhomekeke bakho - iqabane, iqabane kunye nabantwana - bahlanganiswe. Ngaphantsi kwe-ACA, bonke abaqeshi abaziintloko (abaqeshwa abangama-50 okanye ngaphezulu) kufuneka banikezele ukuxhaswa kwabasebenzi bexesha elizeleyo kunye nabaxhomekeke kubo, kodwa akudingeki ukuba banikezele ukuxhaswa kwabatshatileyo. Uninzi lwezicwangciso ezixhaswe ngumqeshi ziyaqhubeka zifumaneka kumntu omtshato, kodwa iindleko zisebenza kwezinye iimeko , ngoko qiniseka ukuba uyaqonda ukuba isicwangciso sakho somqeshi siza kubandakanya njani amalungu enu entsapho.
- Ukuphonononga naziphi na iimfuneko zokugunyazwa ezifunekayo zicwangciso. Kwaye ukuba isicwangciso sezempilo somqeshi sakho sizalwe, qaphela ukuba nayiphi na imingcele yesimo esele ikhona ngaphambili kwisicwangciso. Ngaphantsi komThetho ononophelo olungabonakaliyo (umthetho wokuguqulwa kwempilo), izicwangciso zempilo ezixhaswe ngumqeshi azikwazi ukubeka ixesha elilindelekileyo lokulinda, kodwa loo mbonelelo ayisebenzisi kwizicwangciso ezinkulu. Ngoko ukuba isicwangciso sele sizalwe kwaye uye waba negalelo kwi-coverage ngaphambi kokubhalisa, qwa lasela imimiselo ngokwexesha lokulinda kwiimeko ezikhoyo ngaphambili.
- Ukuba uthatha imithi yonyango, khangela ukuba ukhangele uluhlu lwezonyango ezivunyiweyo (i-formulary) kwisicwangciso sezempilo (okanye izicwangciso, ukuba kukho iindlela ezininzi) umqeshi unikeza. Kwakhona, ukuba uthabatha amayeza e-brand-price-expensive, fumana i-copayment okanye i-coinsurance kumachiza ngamnye kwisicwangciso ngasinye.
- Ukuba wena okanye naliphina ilungu lentsapho lifuna unyango oluqhubekayo okanye luneengxaki zempilo yengqondo efuna unyango, buyekeze ukuba yintoni isicwangciso sakho sempilo esiya kuyenza kwaye asiyi kuguquka. I-ACA idinga ukuba iqela ngalinye kunye nelilitsha lizalise zonke iinjongo zezempilo ezibalulekileyo , kodwa loo mgaqo awusebenzi kwizicwangciso zeqela elikhulu, ngoko ziqonde ukulinganiselwa kwesicwangciso.
- Khangela ukuqinisekisa ukuba wena kunye nosapho lwakho banokukhawulelana ngokwaneleyo kokukhawuleza ukuba uhamba e-US okanye kwelinye ilizwe.
Impembelelo yoMthetho wokuNakekelwa ongenakuncedo kwiNzuzo yakho
Amalungiselelo amanyathelo angaphezulu kwe- Care Affordable Act yempembelelo yonyango yezempilo yeqela. Olu tshintsho, omele ukwazi ngalo xa ukhetha isicwangciso sezempilo esinikwe ngumqeshi wakho, ndakanya:
- Unokugcina abantwana bakho abadala kwicebo lakho lempilo de baneminyaka engama-26.
- Imida yokuphila kwi-inshorensi yempilo ayivumelekanga.
- Imilinganiselo yonyaka yoncedo ayivumelekanga kwakhona, kodwa lo mgaqo awusebenzi kwizicwangciso ezininzi. Ngoko ukuba isicwangciso sakho somqeshi sizalisekile, khangela ukuba ngaba unemivuzo yonyaka.
- Kukho umda ophezulu kwi-out-of-pocket ukucacisa ukuba izicwangciso zezempilo zinokuba nazo, nangona le mithetho ayisebenzisi kwizicwangciso ezinkulu okanye ezinkulu .
Ezinye Iingcebiso Ezivela KuDkt Mike
Ngokuqhelekileyo, ukuba uhlawula i- premium ephakamileyo, i-deductible yakho yonyaka kunye ne-copayments iya kuba sezantsi. Ngako oko, unokufuna ukucwangcisa icebo elinama-premium aphezulu kunye neendleko eziphantsi kwee-pocket xa ulindele ukusebenzisa iinkonzo ezininzi zonyango kulo nyaka ozayo. Kwaye, ukuba usemncinci kwaye unempilo kwaye ungenabantwana, unokufuna ukhetha icebo ngeeprayimari eziphantsi kunye neendleko ezingaphezulu kwee-pocket.
Kodwa oku kuzaliseka akusoloko kuyinyaniso-ngamanye amaxesha uya kuphuma phambi kweendleko ezipheleleyo ngokukhetha isicwangciso se-premium-phantsi, nangona iindleko eziphezulu ezingaphandle kwee-pocket, nokuba uphelile ukuba uhlangane ngokupheleleyo umda we-pocket wonyaka.
Nangona isicwangciso sakho esixhaswe ngumqashi sinokubakho ukhetho oluncinci kwaye lubonelela ngokubhekiselele, unokwazi ukuphuma nokuthenga. Thetha kunye ne-inshurensi yezempilo kwintlalo yakho okanye uqwalasele izicwangciso ezikhoyo kwi-HealthCare.gov. Ukuba umqeshi wakho unikezela i-inshurensi yempilo enokungenaxabiso ebonelela ngexabiso elincinci, awuyi kuba nelungelo lokufumana inkxaso-mali ye- premium (iikredit credits) ekutshintshisweni. Kodwa kuxhomekeke kwisicwangciso sakho somqeshi wakho, nokuba ngaba umqeshi wakho uhlanganisa inxalenye yeprayimenti yamalungu entsapho, kwaye unonophelo olunjani lwempilo okulindele ukuyisebenzisa, kungenzeka ukuba isicwangciso esithengiweyo kwimarike nganye singabonakalisa ukubaluleka okungcono, ngoko kuyafaneleka ngexesha lokujonga.
Ukuba ufuna ukufunda okubanzi malunga nezicwangciso zempilo ezinikezelwa ngumqeshi wakho okanye ukuba awukwaneliswa yimpendulo kwimibandela yakho ngexesha lokubhalisa okuvulekileyo, qhagamshelana neSebe lomshuwalense welizwe. Ingcaciso yakho ye-intanethi ye-intanethi kufuneka ifake inombolo kunye neentlobo zezikhalazo ezenziwa malunga nezicwangciso zezempilo ezilayisenisiweyo kwimeko yakho.