Ukwabelana ngeentlawulo kunye neNkampani yakho yInishurensi
Ukuqonda i-inshorensi yezobugqirha ingaba ngumcimbi onzima kunye nenani lokudideka. Elinye lala lizwi elithi 'intsebenziswano.' Ngenkcazo yayo engundoqo, oku kuthetha ukuba uya kuba neendleko zonyango lwempilo kunye nenkampani yakho yomshuwalense.
I-Coinsurance ineenzuzo zayo, njengeeprayimari zenyanga zancinci, kodwa kusenokuthetha ukuba uhlawula ngaphezulu kwe-pocket uze ufike kwi-deductible yonyaka.
Ewe, kukho inzuzo yenkampani yomshuwalense. Ngaphambi kokuba uthenge umgaqo-nkqubo omtsha, kubalulekile ukuqonda ngokuchanekileyo ukuba yiyiphi i-coinsurance.
Yintoni yoQinisekiso?
Ngaphandle kokuba unomshuwalense wezempilo , uya kuba noxanduva lokuhlawula isahlulo esithile kwimeko enyamekelayo oyifunayo, nokuba ngaba kuqeshwe ugqirha, ukuvavanywa, ukulaliswa esibhedlele, okanye isigqirha somntu ngamnye. Awususwanga ngokupheleleyo kwihitshi xa kuziwa ekuhlawuleleni i-inshurensi.
Olunye uhlobo lolu hlobo lokuhlawula okubiweyo lubizwa ngokuba yi-coinsurance. Ngokuqinisekisana, umntu ogqityiweyo unokwabelana ngenye yentlawulo eyenziwe kwilwayo-mali okanye ibango le-insurer. Kwinqanaba elisiseko, i-coinsurance ibhekisela kuphela ekusasazeni kwenkqubo yomshuwalense phakathi kwamaqela amaninzi.
Ipesenteji zoQoqosho
I-Coinsurance idla ngohlobo lwepesenti yenani elipheleleyo elifunekayo ukuba lihlawulwe.
Le pesenti yimbopheleleko yakho kwimeko nganye yokunyamekela.
Ngokomzekelo, i-inshorensi yakho ingasetwa kwi-80/20, oko kuthetha ukuba inkampani yomshuwalense ihlawula iipesenti ezingama-80 zebhilikhi yonke kwaye uhlawula iipesenti ezingama-20 ezisele. I-Coinsurance ingaba ngama-50 ekhulwini kwezinye iinjongo zomshuwalense. Ukuba unesicwangciso esiphezulu se-deductible okanye esichengeni sezempilo , sinokunyuka ukuya phezulu njengama-100 ekhulwini ukuya kwi-total deductible yakho.
Nangona kunjalo, iphakamileyo ipesenti ekulindeleke ukuba uyihlawule, (malunga) neendleko zeeprimimenti zenyanga zonke ezibizayo. Ukuba uhlawula ngaphezulu iinkonzo ngabanye, uya kuhlawula ngaphantsi kwe-premium yenyanga.
Indlela Ukwabelana Ngemisebenzi
Masithi utyelele ugqirha wakho kwinkqubo yokuqhelanisa kwaye ibhilikhi epheleleyo evela kutyelelwa ngu-$ 125. Usenokuba sele ukhokhe i-copay ye-$ 25. Xa isetyenzisiwe, le copay inciphisa i-bill yasekuqaleni ukusuka kwi-$ 125 ukuya kwi-100. I-coinsurance yakho isetyenzisiweyo kunye ne-insurer yakho i-80/20, oku kuthetha ukuba ngoku ukulindeleke ukuba uhlawule i-20% ye-bill ye-$ 100 ekhoyo, ephuma kwi-$ 20.
Ngaloo ndlela, iindleko zakho zokutyelela kwakuyi-copay ye-$ 25 kunye ne-20 ye-coinsurance eyongezelelweyo, ephuma kwi-45.
Izizathu zokuQinisekisa
Kukho izizathu ezibini ezibangela ukuba iinkampani ze-inshorensi zisebenzisa i-coinsurance. Iyanciphisa inani abaza kulihlawulela egameni lakho ngokunyamekela. Ngexesha elifanayo, kwakhona kukukukhuphaza ukuba ungaboni ugqirha okanye ufuna unyango kuba bayazi ukuba ukuba ufunwa ukuhlawula inxalenye yalo, ungeke ufune ukunyamekela.
Ngokungafani neentlobo ezininzi zee-copays , u-coinsurance unomdla kwi-deductible yakho. Xa usufikelele kwi-deductible yakho, awuyi kuba neluphi na uxanduva lwe-coinsurance kulo lonke ixesha lomgaqo-nkqubo wakho (ngokuqhelekileyo ekupheleni konyaka wezimali okhoyo).
Qinisekisa ukuba ufake iindleko ze-coinsurance xa uqikelela ukuba yeyiphi iplani yomshuwalense wezempilo onokuyikhetha, nokuba ngumgaqo ngamnye okanye ngexesha lobhaliso oluvulekile .