Ukuba untsha kwi-inshurensi yezempilo, unokumangaliswa kukuba kufuneka uhlawule unyango lwempilo. Ingaba isicwangciso sakho sezempilo esimele sihlawule iindleko zakho zonyango ngoku?
Ewe, ewe kwaye akukho. I-inshorensi yakho yezempilo kufuneka uhlawule inxalenye yeendleko zempilo yakho, kodwa uya kugcina uhlawula i- deductibles , i- copayments kunye ne- coinsurance .
Kutheni Ufanele Uhlawule Iibhilile Zonyango Xa Unempilo Yomshuwalense Wezempilo
Abaqinisekisi bezeMpilo bafuna ukuba nesikhumba esithile kumdlalo ukuze ungabi nenyameko yokhathalelo lwempilo ngokunyanisekileyo.
Ukuba ufanele uhlawule into ethile, nokuba ikopi encinane rhoqo xa ubona ugqirha okanye ugcwalisa isigqirha, usenokwenzeka ukuba usebenzise isigqibo esilungileyo malunga nokuba ngaba unyanzelekile ukuba ufune ugqirha okanye ugcwalise lo myalelo. Ngeke ubalekele ugqirha kuyo yonke into encane okanye uzalise imiyalelo yonyango ongayifuni.
Eyona ndlela iphumelele ngakumbi kunama-copays, u-coinsurance odinga ukuba ukhokhe ipesenti yebhili-mali yenzelwe ukukukhuthaza ukuqinisekisa ukuba unonophelo lwempilo oyifumanayo ayilona luyimfuneko kuphela kodwa luye lukhetha ukhetho lwezoqoqosho oluya kusebenza kuwe.
Ngokomzekelo, xa umhlobo wam efumene ukuba imithi yonyango enyanzelweyo yonyana wayo iya kuba neendleko zemali eyi-$ 1,000 (emva kwesaphulelo esivumelwaneni sezempilo), wagqiba ekubeni kwakugqithisekile kwaye kwakufuneka kubekho ukhetho olululo olunonyango. Ngo-30% we-coinsurance, wayeya kuhlawula malunga ne-$ 300 ukuze kugcwaliswe umyalelo ngamnye.
Intsholongwane yezempilo iyayihlawula i-$ 700.
Esikhundleni sokukhahlela iindleko zezonyango ezininzi, uphando ngeendlela ezincinci zokwelapha. Wathetha kunye nomdemokrasi waza wafumanisa ukuba unyango olumdala oluthatha imali encinci lwaluba luncedo. Ukususela ekufuneka ahlawule ipesenti ye-coinsurance yeyeza, ngokukhetha isicatshulwa esingabizi, unokugcina imali eninzi.
Iyintoni Intshuwalense yezeMpilo ngokwenene, kunjalo?
Intshuwalense yezempilo ayilungiselelwe ukuhlawula yonke into encinci yeendleko zakho zonyango. Yenzelwe ukuhlawula ezininzi xa unenkcitho enobungozi kunye nokukunceda xa ufumana iindleko ezingaphezulu.
Nangona ama-copays, i-coinsurance, kunye nokuncitshiswa ngokukhethekileyo kunokubaluleka kakhulu, ukhuselwe yiplani yezempilo yakho ngaphandle kwe-pocket ephezulu . Xa ama-deductibles, i-copays, kunye ne-coinsurance oyihlawule ngalo nyaka ungeze kwi-plane yakho ye-out-of-pocket ephezulu, isicwangciso sakho sezempilo siqala ukukhetha i-100% yeendleko zakho zonyango.
Oku kuthetha ukuba kufuneka uhlawule iibhilidi ezimbalwa ngamnye ngonyaka ngokubhekiselele kwiindleko zonyango lwakho nangona unempilo yomshuwalense. Kodwa, oko kuthetha ukuba xa ufuna i-$ 400,000 yomnxeba wokutshintsha umongo ukuze ulondoloze ubomi bakho, i-inshorensi yakho yezempilo ihlawulela bonke kodwa iiligidi ezimbalwa zeedola.
Ingxaki kukuba iindleko zonyango lwempilo zininzi ; Kulula ukuphazamisa uhlahlo lwabiwo-mali lwentsapho kunye neendleko zokunyamekela zempilo. Nangona kungekho sisombululo esipheleleyo salolu daba, kukho ezinye izinto eziza kunceda ngexesha elide.
Ukuba unelungelo lokuxhaswa kweNkxaso yoNonophelo olungabonakaliyo ukunciphisa iiproyamu zakho zenyanga zentsholongwane yezempilo , zenze isicelo (oko kuthetha ukuba uzakufuna ukuthenga isicwangciso sakho sezempilo kwintsebenziswano kwimeko yakho).
Kukho neenkxaso zokuncedisa ukunciphisa iindleko zemali echithwayo, i-copays kunye ne-coinsurance. Funda kabanzi malunga nale mali inkxaso " Ngaba Ndingayifumana Uncedo Lokuhlawula Intshuwalense yezeMpilo? "U
Qinisekisa ukuba uyaziqonda isicwangciso sakho sezempilo kwaye ufumana ibhongo yakho engcono. Funda indlela:
Yaye ukhumbule ukuba nangona kunokwenzeka ukuthenga ukuthengwa ngeendleko eziphantsi kakhulu ze-pocket, uzakuhlawula ngokubanzi kwiipresimenti zenyanga nganye ngenxa yoko. Qinisekisa ukukhupha amanani kwaye ubone ngokuthe ngqo ukuba uza kubahlawula njani urhwebo kwi-out-of-pocket exposure.
Kungenzeka ukuba akufanelekanga, ngakumbi xa unempilweni kwaye ungalindelanga iindleko zonyango ezibalulekileyo.
Ii-FSAs, ii-HSAs, kunye neenkcukacha ezongezelelweyo
Ukuba indawo yakho yokusebenzela inikeza i- akhawunti yokuchithwa kwemali , yenza inxaxheba kuyo. I-FSA iya kukuvumela ukuba uhlawule imali yakho, i-copays, kunye ne-coinsurance ngemali engekahlawulwanga ngaphambili. Ukongezelela, i-FSA ixhaswa ngemali encinci ithathwe kwi-paycheck nganye. Kulula kakhulu ukuhlawula i-$ 2,000 echithwe ngokuthi ube ne-$ 77 ethathwe kwi-paycheck nganye kwiiveki ezimbini kunokuvelisa i-akhawunti engama-2,000 kwi-akhawunti yakho yokujonga xa ugula.
Ukuba ufanelekile kwi- akhawunti yokulondoloza impilo , bhalisela kuyo. Kuya kuhlawulela ibhajethi yakho yonakekelo lwezempilo njengeFSA, kodwa inezinzuzo ezininzi kwi-FSA. Funda kabanzi " kwiindlela ezi-5 i-HSA ilungile kuneFSA ."
Kwezinye iimeko, i-inshorense eyongezelelweyo ingaba luncedo. Kodwa ingaba yinkcitho yemali kwezinye iimeko. Nazi ezinye izibonelelo ukuba unomdla wokongeza i-coverageal coverage:
- Iyintoni i-inshurensi yempilo yomshuwalense kwaye isebenza njani?
- Izinto ezi-5 zokuziwa ngaphambi kokuthenga i-Intshurensi yezeMpilo
- Izinto ezi-6 zokumazi nge-inshurensi yempilo yomshuwalense