Intshuwalense yezempilo ayihlawuli zonke iindleko zonyango lwakho. Kunoko, ulindeleke ukuba unyawo lwebhilikhwe ngenxalenye yeendleko zenkathalo yakho ngokusebenzisa izidingo zakho zokwabelana ngeendleko ezifana ne- deductible yakho, i- copayments kunye ne- coinsurance .
Ekubeni ama-deductibles kunye ne-copayments ixabiso elithile, alithathi ezininzi zezibalo ukujonga ukuba uhlawula phi.
Ikopi ye-$ 30 yokuzalisa isigunyaziso iya kuhlawula i-$ 30 kungakhathaliseki ukuba i-bill yebhanki epheleleyo ingakanani. I-inshorensi yakho yempilo ithatha zonke iithebhu.
Nangona kunjalo, ukubala inkokhelo yakho ye-inshurensi ye-insurance iyimfuneko. Ekubeni i-coinsurance yipesenti yeendleko ezipheleleyo zeenkonzo, uya kuhlawulwa ngemali eyahlukeneyo yenkonzo nganye. Ukuba inkonzo yokunakekelwa kwempilo oyifumeneyo ingabizi, u-coinsurance yakho ayiyi kuba nzima. Nangona kunjalo, ukuba inkonzo yonakekelo lwempilo yayibiza, i-coinsurance yakho ingakhupha ibe ngamakhulu okanye amawaka eedola.
Kufuneka uqonde indlela yokubala intlawulo ye-insurance ye-insurance ye-inshurensi yezempilo ukwenzela ukuba uyazi ukuba uza kuba neentengo zemali-mali kwaye unokwenza uhlahlo lwabiwo-mali.
Okokuqala, Fumana i-Coinsurance yakho
Okokuqala, kuya kufuneka ufumane intlawulo ye-coinsurance yohlobo lwenonophelo oyifumanayo. Ufanele ukwazi ukufumana oku kwiSishwankathelo seNzuzo kunye nokuPhila oye wafumana xa ubhalise kwisicwangciso sakho sezempilo.
Ngamanye amaxesha unokukufumana kwikhadi lakho le-inshurensi yempilo.
Lumnka; kwezinye izicwangciso zempilo, u-coinsurance unokuba yipesenti enye, nokuba unjani uhlobo lwenkonzo oyifumanayo. Ngokomzekelo, i-30% ye-coinsurance ye-hospitali kunye ne-30% ye-coinsurance yeemfuno zemfuno zonyango. Kwezinye izicwangciso zempilo, unokuba nezinga eliphantsi lohlalutyo lwezinye iinkonzo kunye nenqanaba eliphezulu kwezinye iindidi zenkonzo.
Ngokomzekelo, unokufumana u-35% we-coinsurance yokubhedlelelwa esibhedlele, kodwa u-20% kuphela uqinisekiso lwe-intanethi yokuhlinzwa kwiziko lokuhlinzwa.
Emva koko, Fumana iindleko zoKhathalelo lwakho
Xa usayazi ireyithi ye-coinsurance yakho, kufuneka ufumane iindleko ezipheleleyo zenkonzo yonakekelo yezempilo oyifumeneyo. Ukuba usebenzisa umboneleli we -intanethi , isicwangciso sakho sezempilo sele sithethathele izaphulelo ezivela kuloo mnikezeli. Bala i-inshorensi yakho ye-inshurensi ye-insurance ye-insurance ngokusekelwe kwisilinganiselo esiphuculwayo, kungekhona umyinge ophantsi ohlawulwe kubantu abangengowesicwangciso sakho sempilo. Fumana isixa esicatshulwa kwi-intanethi kwiNgcaciso yakho yeeNzuzo ezibhalwe "njengexabiso elivunyelweyo."
Ukuba awuzange ufumane inkonzo yonakekelo yezempilo okwamanje, awuyi kuba ne-EOB ukujonga. Uya kufuneka ucele umnikezeli wakho ukuba inqanaba le-inethiwekhi yaloo nkonzo. Ngenye indlela, iwebhusayithi ye-insurer yakho yezempilo ingaba ne-estimator cost, eya kukunceda ukuba ufumane iindleko zenkonzo ngokuxhomekeke kulophi umsebenzisi oyisebenzisayo. Ukuba akukho nanye yalezi zikhetho ezisebenzela wena, khangela ezinye iinketho kwi " Khangela ukuba Uncedo olunjani lwezoNyango lwezoNyango kufuneka lugxeke ."
Okokugqibela, Bala i-Coinsurance yakho
Ukubala i-coinsurance omele ngayo, uya kuqala ukuguqula isibalo sakho sepesenti kumfanekiso wesigxina ngokuhambisa isithuba sokugqibela sesithuba esisekhohlo njengale:
Ipesenteji: | Umzobo ohambelanayo: |
15% | 0.15 |
20% | 0.20 |
25% | 0.25 |
30% | 0.30 |
35% | 0.35 |
40% | 0.40 |
45% | 0.45 |
50% | 0.50 |
Ngoku, kongeza lo mfanekiso wesigxina ngeendleko ezipheleleyo zeenkonzo zonyango:
Intlawulo ye-Coinsurance (njengomfanekiso wesigwebo) X Iindleko ezipheleleyo = uqinisekiso lweentlawulo.
U mzekelo
Isicwangciso sezempilo sikaAntoine sidinga ukwabelana ngeendleko ze-20% ukuzalisa umyalelo. Iindleko zaso zonyango zonke ziyi-$ 150.
0.20 X $ 150.00 = $ 30.00
Intlawulo ye-Coinsurance X Iindleko ezipheleleyo = uxanduva lwe-Antoine.
U-Antoine unemali engama-30 ye-coinsurance yalo myalelo.
Isicwangciso sezempilo sikaKinsey sifuna ukuba i-35% ixabise ukwabelana ngokubhedlele kwizibhedlele. Iindleko ezipheleleyo zokuhlala kwakhe esibhedlele yi $ 12,850.00
0.35 X $ 12,850 = $ 4,497.50
Intlawulo ye-Coinsurance X iindleko ezipheleleyo = i-coinsurance yenkokhelo.
UKinsey uza kuhlawulwa i-$ 4,497.50 iindleko ze-coinsurance ze-hospital hospital.
Iimpawu ezichaphazela i-Coinsurance yakho Inani
Ungalibali ukuba kufuneka uhlawule imali yakho. Kwizicwangciso ezininzi zezempilo, uza kufuneka uhlawule yonke into echithwayo ngaphambi kokuba isicwangciso sakho sempilo siqale ukuhlawula inxalenye yeendleko zokunyamekela kwakho. Kuphela emva kokuhlawula i-deductible yakho ngokupheleleyo uza kuba neendleko zokunyamekela kwakho ngesicwangciso sakho sempilo ngokuhlawula i-coinsurance. Funda okunye, " Ukuhlaselwa-Oko Kukuthi & Kwenzeka Kanjani ."
Ukuba unayo ibhilikhi yokunakekelwa kwempilo enkulu, ukuphakama kwakho kwe-pocket kungaphakamisa kwaye kukukhusele kwezinye iindleko. Xa ama-deductibles, i-copayments, kunye ne-coinsurance oyihlawule ngalo nyaka ungeze kwi-out-of-pocket ephezulu, iimfuno zakho zokwabelana ngeendleko zigqityiweyo kunyaka. Isicwangciso sakho sezempilo sithatha i-100% yeendleko zokunakekelwa kwenethiwekhi kwi-intanethi yonke loo nyaka. Awunayo ukuhlawula i-coinsurance, i-copays, okanye i-deductibles kwakhona kude kube ngumnyaka ozayo ... ngokuqhelekileyo. Funda kabanzi, " Phandle kwe-Pocket Maximum-Indlela Esebenza ngayo kwaye Kutheni Ufanele Uqikelele ."
Ngombulelo kuMthetho woNonophelo ongenakunqwenelekayo , unonophelo lokhuseleko kufuneka lufakwe ngomshuwalense wakho wezempilo ngaphandle kokufuna i-coinsurance, i-copayments, okanye i-deductible. Oku kuthetha ukuba awuyi kuhlawula i-coinsurance kwizinto ezifana nokuhlolwa kwakho ngokomzimba ngonyaka, i-mammogram, kunye nokugonywa rhoqo. Nangona kubonakala ngathi ukunakekelwa kokukhusela kukhululekile, akunjalo. Kunoko, iindleko zaloo nkathalo yokukhusela zifakwe kwi- premium yakho yenyanga ye-inshurensi yezempilo okanye ukuba ungayisebenzisi ngokwenene.