Kungabonakala kungalungile ukuba uhlawule yonke into echithwayo xa ungayibhalisi kwi- inshurensi yezempilo kuze kube semkhatsini wonyaka. Emva kwakho konke, ufumana umshuwalense wezempilo kuphela kwisiqingatha sonyaka xa ubhalisa phakathi konyaka; akufuneki ukuba i-deductible ifakwe kwisiqingatha sonyaka ochithwayo?
Ekubeni i-deductibles ixabisa kakhulu, efuna ukuba inkokhelo epheleleyo echithwe ngonyaka xa ubhalisa emva kokuba inxalenye yonyaka-nkqubo uphumelele yenza ukuba kube lula ukuba ufikelele kwi-deductible loo nyaka.
Kule meko, akuyi kuba lula ukufumana inzuzo yokuba ne-insurer yakho yempilo ithathe inxalenye yethebhu kwiindleko zakho zonyango.
Ngelishwa, i-insucucia yempilo yonyaka yonkcenkceshi ayinakunyuswa ukuba ibe ngumnyaka ongenamnye wokubhalisa kungakhathaliseki ukuba iinyanga ezimbalwa ezishiye kwisicwangciso-nyaka xa ubhalisela i-inshorensi yezempilo. I- out-of-pocket maximum ayikhangeki, nokuba kunjalo.
U mzekelo
Umgaqo-wonyaka weKhalenda
Awuqinisekanga ngeenyanga zikaJanuwari ngoJuni. Uza kutshata phakathi kwenyanga kaJuni ukwenzela ukuba ube nelungelo lokubhalisa ixesha elilodwa . Ubhalisa kwi-inshorensi yempilo kwi- Career Affordable Care Act yakho yoshishino lomshuwalense ukususela ngoJulayi 1 kunye ne-deductible yonyaka ka-2,000.
Zonke izicwangciso ze- Obamacare (kunye kunye no- off exchange-off ) zibe nesicwangciso sonyaka esisebenza ngoJanuwari 1 ukuya kuDisemba 31. Ukuba usebenzisa i-inshorensi yakho yempilo phakathi kukaJulayi 1 noDisemba 31 nayiphi na enye ngaphandle kokunyamekela kwezempilo, inkokhelo yakho yempilo ayiyi kuqalisa ukuhlawula inxalenye yezinto zakho zokunyamekela zempilo eziphantsi kwee-bills ezixhomekeke kwi-deductible uze uhlawule yonke imali engama-2,000.
Nangona unesifo se-inshorensi yezempilo kuphela kwisiqingatha sonyaka, kufuneka uhlawule yonke into echithwayo ngaphambi kokuba umgcini-mali wakho aqale ukukhangela ithebhu (ukuba unemiyalezo ebandakanya iifayili zezinto ezifana nokutyelela i-ofisi kunye nemigqaliselo, ezo zinzuzo ukukhaba ukususela ekuqaleni, kungakhathaliseki ukuba uhlawule nayiphi na into ekudityanisiweyo).
Umgaqo-nkqubo weNyaka weKhalenda
Uqeshwe ngomsebenzi omtsha ekuqaleni kukaFebhuwari. Umqeshi wakho omtsha uza kunika i-inshorensi yempilo njengenxalenye yomsebenzi wakho wephakheji ukususela ngo-Matshi 1. Umqeshi unobhaliso oluvulekileyo kunyaka ka-Agasti kwisicwangciso sonyaka osebenza ngo-Oktobha 1 ukuya kuSeptemba 30 ngamnye ngonyaka.
Ekubeni ungumqeshwa omtsha obhaliso lokuqala phakathi kwesicwangciso sonyaka, uya kuba neenyanga ezisixhenxe zokufumana ingxelo ngaphambi kokuba umgaqo-nkqubo wonyaka uqale ngo-Oktobha kunye nemali oye uyihlawula imali yakho yokubuyisela i-reductible yonyaka. unothi. Nangona unyaka ogqityiweyo wokugqibela, ugcinwe kwisixa esicatshulwayo esifanayo njengoko abanye abasebenzi abakhethileyo eso sicwangciso ngexesha lokubhalisa okuvulekileyo ngo-Agasti odlulileyo.
Qaphela ukuba abaqeshi abaninzi bakhetha ukusebenzisa izicwangciso zonyaka-khalenda, kwaye babambe ukubhaliswa kwabo okuvulekileyo ukuwa ukuhambelana nomhla wokuqala kaJanuwari 1 wesicwangciso sonyaka. Kodwa abaqeshi banokuguquguquka ngakumbi kule nto, kwaye banokuthenga isicwangciso nangaliphi na ixesha kunyaka ukufihla abasebenzi babo.
I-Intshurensi yeeNtsholongwane zeMpilo ayinakuguqulwa kwiSicwangciso soCwangciso
Ukuba utshintshile kwisicwangciso esinye sezempilo ngexesha lomgaqo-nkqubo, imali oye wahlawula ngayo kwi-plan yakho yezempilo owawunakho ekuqaleni kwonyaka ayithethiweyo ngokubhekiselele kwinqanaba lempilo elalichithwe kwi-plan yakho yezempilo emva koko. unyaka.
Xa ubhalisa kwisicwangciso sezempilo esitsha, imali oye uyihlawula imali yakho entsha inokuqala kwi-zero nangona sele sele uhlawule yonke i-year yakho echithwe kwisinye isicwangciso.
[Nangona kunjalo phantse njalo ityala elithintekayo lingenakudluliselwa kwisicwangciso esinye, ngoku ngamanye amaxesha linga guqulwa ngokusekelwe kwiimeko ezongezelayo ezichaphazela inani elikhulu labanikazi beenkqubo kunye nokungenelela kumkomishinala we-Intshuwalense kaRhulumente. Umzekelo uyisisombululo esakhiweyo kumalungu eNkcazo yezeMpilo yaseNew York, eyavalwa ngoNovemba 2015. Isivumelwano phakathi kwama-state state regulators kunye neenkampani ezintathu zomshuwalense yabucala zavumela amalungu eRiphablikhi ye-Health ukuba athole i-credit (kwi-incwadana yawo entsha ka-Disemba 2015) ngenxa yeendleko zabo ezidityanisiweyo kunye ne-out-of-pocket ezibe zikhokhele ngeenyanga ezili-11 zonyaka.
Abalawuli be-Oregon benza isivumelwano esifanayo kunye namalungu e-Oregon Health CO-OP xa i-CO-OP ivaliwe ekupheleni kukaJulayi, 2016]
Umzekelo
Unempilo ye-inshorensi yempilo kunye nesicwangciso ngasinye somrhwebo (oko kukuthi, isicwangciso ozithenge sona, mhlawumbi ngokutshintshiselana okanye ngokuthe ngqo ukusuka kumgcini-inshurensi) ukususela ngoJanuwari 1 ukuya kuJulayi 31. Ngelo xesha, uhlawule i-$ 1,300 ukuya kwi-2,000 ye-inshorensi yezempilo. Ulahla isicwangciso sakho ngasinye xa ufumana inkonzo yomshuwalense wezempilo osuselwe kwi-inshurenti yokuqala ngo-Agasti 1. Le ntlawulo entsha esekelwe kwimisebenzi ine-$ 1000 eyiyo.
I-$ 1,300 oye wahlawula kwi-Obamacare yakho coverage ayibali ngokubhekiselele kwi-inshurensi yempilo yakho entsha. Kufuneka uqale ukuqala, ukuhlawula yonke imali ye-inshurensi yempilo yecandelo le-inshurensi ye-$ 1,000 ngaphambi kokuba lowo mshwalense aqale ukuthabatha ithebhu yeebhilikhi zakho zonyango ezixhomekeke kwi-deductible.
Ukuba Ndiya kuhlawula i-Deductible kabini ngonyaka, Ndingayifumana kwakhona iMali?
Akukho ndlela yokubuyisela yonke imali eyongezelelweyo oyichithele kwi-inshorensi yakho yempilo xa usuqulela amaplani eminyaka-nyaka emva kokuhlawula isicwangciso sokuqala esinqunyiwe. Nangona kunjalo, iindleko zokwabelana ngeendleko ezifana nokunciphisa imali, i-copays kunye ne-coinsurance ngamanye amaxesha kungasetyenziselwa ukuncitshiswa kweerhafu kubangelwa irhafu yengeniso ephantsi. Funda kabanzi malunga nalokhu " Indlela Yokubhala Iindleko Zonyango njengokwenyuka kweRhafu ."
Ukuhlaziywa nguLouise Norris.