Ukuba ufikelela kwi-inshorensi yakho yezempilo engaphandle kwe-pocket minyaka yonke, unokufumana amathuba okugcina imali. Iindleko ze- Coinsurance zingavumelekanga ukuba:
- Ngaba kwiyeza elibiza
- Ufuna ukunyonywa rhoqo
- Kudinga unyango oluphambili
Kodwa, iindleko zakho eziphezulu zokunakekelwa kwezempilo ziphambili kumathuba amabini okusindisa.
- Uyakwazi ukugcina kwiindleko zakho zokuphuma ngaphandle kweefayili , u-coinsurance, kunye neentlawulo .
- Unokwazi ukugcina kwiimali-mali ze-inshorensi zempilo.
Amasu okulondoloza kuphela asebenza kubantu abalindele ukufikelela kwisicwangciso se-out-of-pocket ngonyaka ngamnye.
Khetha isiCwangciso esinomlinganiselo ophantsi ongaphantsi kwePocket
Iinkampani ze-inshorensi zempilo zihlawula iipesenti ezili-100 zeendleko zakho ezigqityiweyo kunyaka wonke emva kokuba udibene nomsebenzi wakho wokuphuma ngaphandle kwe-pocket. Into eqhubekayo ukuhlawula yintlawulo yakho yenyanga yomshuwalense we-inshorensi , kunye neentlawulo zeenkonzo ezingabonakali zicwangciso sakho (izinto ezifana nokunakekelwa kwamazinyo omdala, umzekelo, okanye ukuhlinzwa okhethwayo).
Ngoko ke, ukuba ukhetha isicwangciso sezempilo kunye nesithuba esingaphantsi kwe-pocket kunokuba uhlawula ngoku, ungagcina imali, kuxhomekeke kwimahluko kwiiprimiyam. Kwiimeko ezininzi, uya kufumana ukuba umda ophantsi ongaphantsi kwepokethi ngaphezu kokunciphisa ama-premium aphezulu.
Indlela yokufumana iSicwangciso esiphantsi kweMiqathango yePocket
Khangela isicwangciso esinomlinganiselo ophezulu kunye ne-coinsurance , kodwa umlinganiselo osezantsi we-out-of-pocket limit.
Ekubeni uninzi lwabantu aluze lufikelele kwi-out-of-pocket ephezulu, ephakamileyo i-deductible kunye ne-coinsurance ngaphantsi kweyona nkampani kufuneka ihlawule iinkonzo zonyango ngamalungu ayo aqhelekileyo. Oku kuvumela ukuba bahlawule i-premium ephantsi.
Ekubeni uyazi uya kuba uhlawula imali epheleleyo ye-pocket ngonyaka, i-deductible ephezulu kunye ne-coinsurance ayinyuli iindleko zakho zonyaka.
Enyanisweni, ekubeni ukhetha isicwangciso esiphezulu esiphezulu se-out-of-pocket, iindleko zakho zonyaka ziya kuba ngaphantsi kunokuba zibe zicwangciso kunye nenani eliphezulu eliphezulu-kungakhathaliseki ukuba i-deductible.
Ngamanye amagama, inani elibaluleke kakhulu likhulu lokuphuma ngaphandle kwe-pocket, kuba uyazi ukuba uya kufinyelela kuloo mda ngenye indlela okanye enye. Akunakubaluleka ukuba ufike apho nge-deductible yedwa okanye i-deductible kunye ne-coinsurance kunye ne-copays, ngoko icebo lokucwangcisa ngaphaya komda we-post-of-pocket akubalulekanga xa ubhekane neendleko zamabango ezibalulekileyo kunyaka.
Nangona kunjalo, i-deductible ephezulu kunye ne-coinsurance inefuthe xa uhlawula iindleko zakho ngaphandle kwe-pocket, ukutshintsha okokuqala ekuqaleni kwesicwangciso sonyaka. Uya kufinyelela kwi-out-of-pocket ekuqaleni kwonyaka ngenxa yokuba iyancipha ke kulula ukuba ufikelele, kwaye ngenxa yokuba i-deductible yakho kunye ne-coinsurance ephezulu yenza ukuba uhlawule ekuqaleni konyaka.
Khetha iSicwangciso kunye ne-Out-of-Pocket ephezulu kodwa i-Premium ephantsi
Enye indlela yokusindisa kukuthenga isicwangciso se-inshurensi yezempilo kunye nomda wokuphela kwe-pocket njengecebo lakho langoku, kodwa i-premium yenyanga ephantsi. Ngoxa uhlala unayo iindleko zonyango zonyango eziphuma ngaphandle kwenyanga, uza kulondoloza imali nyanga nganye ngeendleko ze-premium.
Kwakhona, jonga iiplani nge-deductible ephezulu kunye ne-coinsurance kunecebo lakho langoku. Nangona uzakufuna ukuba nemali ekhoyo kwiinyanga ezimbalwa zokuqala zonyaka ukudibana neendleko zakho ezintsha, uza kuba nekamelo lokugqeba kwisabelomali sakho kuba uya kuhlawula ngaphantsi kweenyanga zokuqala zenyanga.
Umthengi Qaphela
Ukuba unempilo yonyango efuna unonophelo oluqhubekayo olubalulekileyo, kubalulekile ukubeka ingqalelo kwizinto ezithile-ngaphaya kwe-premium kunye nokwabelana ngeendleko-zezicwangciso ozicingayo. Uya kufuna ukuqinisekisa ukuba isicwangciso esitsha sinomnatha-nkonzo oquka oogqirha bakho, okanye ukuba ulungile ngokutshintshela oogqirha abasecaleni lenethiwekhi.
Yaye ukhumbule ukuba icebo ngalinye lijongene neziyobisi ezahlukeneyo zemithi. Uluhlu lwezilwanyana ezicetywayo malunga nesicwangciso lubizwa ngokuba yi- formulary , kwaye iifomries ziyahlukahluka kwisicwangciso esinye. Ukuba ungabhalanga ngokungahambi kwisicwangciso esingabandakanyi amayeza akho kwifom ye-formulary, kufuneka utshintshe iziyobisi okanye unyango okanye uhlawule yonke indleko ngaphandle kwe-pocket. Ngenxa yokuba iindleko zakho zonyango ziphezulu, kubalulekile ukuba uphando ngokucacileyo isicwangciso esitsha senzuzo yezempilo ngaphambi kokuba uguqule.
UMthetho woNonophelo olunganakuncedo unceda ngeendleko
UMthetho woNonophelo olungabonakaliyo unokwakheka inkxaso-mali ye-inshurensi yempilo ekuncedeni ukunciphisa ukuphuma kwe-pocket ephezulu kubantu abafanelekileyo abaneemali eziphantsi (ukuya kuma-250 ekhulwini lobuhlwempu). Kufuneka ufunde ngendlela inkxaso ngayo ukunciphisa ukuphuma kwakho kwepakethi .
Ngaphambi kokuba Utshintshe izicwangciso
- Qinisekisa ukuba uya kuba nemali eyaneleyo kwangoko kwiplani-mali ukuhlawula iindleko zokuqala eziphezulu ezinokuthi zitshatyalaliswe kunye ne-coinsurance ngaphambi kokuba udibane nomda omtsha wokuphuma kwipokethi kwaye uqale ukuvuna ukugcinwa. Cinga nge- akhawunti ye- Flexible Spending Account ukuba ngaba umqeshi wakho unikezela enye, okanye i- Akhawunti ye-Savings Health xa ubhalisa kwisicwangciso sezempilo esiqeqeshelwa yi-HSA.
- Ukuba ukunamathela kunye nodokotela wakho wangoku kubalulekile kuwe, qiniseka ukuba usekho kwinethiwekhi kunye nesicwangciso sezempilo ocingayo.