Isicwangciso seGolide luhlobo lwe-inshorensi yempilo ehlawula, ngokuqhelekileyo, i-80 ekhulwini yeendleko zonyango ezikhuselekileyo. Cwangcisa amalungu ahlawule amanye ama-20 ekhulwini weendleko zonyango kunye neefayili, i- coinsurance kunye neentlawulo ezichithwayo .
Ukwenza kube lula ukuthelekisa ixabiso ofumanayo imali oyisebenzisayo kwiimali-mali ze-inshorensi yezempilo, uMthetho ojongene noNonophelo olungenakunqwenelekayo ulinganiselwe amazinga amanani eempilo ezicwangcisiweyo kunye nezicwangciso zeqela elincinci (kodwa kungekhona kwizicwangciso zeqela elikhulu).
Ezi nqanaba, okanye emithathu, iiplatinum, igolide, isilivere kunye nebhedu.
Zonke izicwangciso zezempilo zezinga elinikezelweyo zinika ixabiso elifanayo lilonke. Izicwangciso zegolide, ixabiso li-80 ekhulwini. Izicwangciso zePlatinum zinika ixabiso leepesenti ezingama-90, ixabiso lesilivere ngexabiso le-70 yeepesenti, kunye ne-bronze ngamanani e-60 exabiso. Kwimeko nganye, kukho uluhlu olwamkelekileyo lwe -4 / + 2 ngesilivere, igolide, kunye neeplatinum, kunye ne -4 / + 5 kwiiplani zethusi (inqaku lokuba iCalifornia ibeka uluhlu lwayo kwi--2 / + 2)
Ixabiso le- inshurensi yempilo lithetha ntoni?
Ixabiso le- actuarial likuxelela ukuba yeyiphi ipesenteji yeendleko zonyango ezikhuselekileyo isicwangciso silindele ukuhlawula ubulungu balo lonke. Oku akuthethi ukuba wena, ngokwakho, uya kuba neefomenti ezingama-80 zeendleko zakho zokunakekelwa kwempilo ezihlawulwe ngesicwangciso sakho segolide (okanye kwisicwangciso segolide esivumelekileyo seepesenti ezingama-76-82). Unokuba ne-80 okanye iipesenti zeendleko zakho ezihlawulwa ngokuxhomekeka kwindlela osebenzisa ngayo isicwangciso sakho sezempilo segolide.
Ixabiso lilinganiselwe ukusasazeka kuzo zonke izicwangciso zamalungu.
Izinto ze-inshorensi yakho yezempilo ayifuni kuzo zonke aziqwalaselwanga xa iqikelela ixabiso leprogram yezempilo. Ngokomzekelo, ukuba isicwangciso sakho sezempilo segolide-mali sihlawulela amayeza angaphezulu kwamayeza afana nophando lwezonyango, iipilisi ezibandayo okanye ukhilimu wokuqala uncedo, iindleko zezo zinto azibandakanyi xa kubalwa ixabiso lecebo lakho.
Izinto ezizicwangcisayo izicwangciso zezempilo ngaphandle kokubandakanyeka kweendleko zifakiwe. Ngoko, ukulawulwa kwamahhala kunye nokunyamekela kokukhusela isicwangciso sakho sempilo sinikezela xa kufakwe ixabiso lecebo lakho.
Yintoni Uya Kuyihlawula?
Uya kuhlawula iiprayimari zenyanga nganye kwisicwangciso sezempilo. Iiplani zeplani zegolide zihlala zibiza ngakumbi kunezicwangciso zexabiso elingaphantsi kuba izicwangciso zegolide zihlawula ngakumbi kwiimfuno zonyango zempilo kunokuba isilivere okanye izicwangciso zethusi. Iiplomelo zeGolide ziza kuba zibiza ngaphezu kweplatinum plan premiums ngenxa yokuba iiplani zegolide zihlawula ipesenteji ephantsi zeendleko zonyango kuneeplatinum ezihlawulwayo.
[Qaphela ukuba ngo-2018, umlinganiselo wexabiso loqhelekileyo-isicwangciso sobhedu ngokuqhelekileyo sibiza kakhulu, silandelwa silivere, ke igolide, ke i-platinum-ayiyi kubamba inyaniso. Ngenxa yokuba iindleko zokunciphisa iindleko ziye zongezwa kwiiprojeyam zeplani zesilivere ezininzi kwilizwe, kunokwenzeka ukufumana izicwangciso zegolide ezingabizi imali kunezicwangciso zesilivere.]
Kuya kufuneka uhlawule ukwabelana ngeendleko ezifana nokuncitshiswa, uxanduva lwemali, kunye ne-copays xa usebenzisa i-inshorensi yakho yempilo. Indlela nganye iplani eyenza amalungu ahlawule ipesenti zawo ezingama-20 zeendleko zonyango lonke ziyahluka. Ngokomzekelo, isicwangciso esinye segolide sinokuba ne-2500 ephezulu echithwe ngokubambisana kunye ne-10% ye-coinsurance ephantsi.
Isicwangciso segolide esikhuphisanayo sinokuba nexabiso elincinci elichithwe ngokubambisana kunye ne-coinsurance ephezulu okanye ngaphezulu kwee-copays.
Kutheni Ukhetha Isicwangciso Segolide?
Xa ukhetha isicwangciso sezempilo, ukuba awuyi kucinga ukuhlawula iiprayimari eziphezulu ukuba ube nepesenti enkulu yeendleko zakho zokunakekelwa kwempilo ezihlawulwe ngumshwalense wakho wezempilo, icebo lesicwangciso segolide sinokukhetha okulungileyo. Ukuba umgaqo wokuba uhlawule, ngokomyinge, kuphela iipesenti ezingama-20 zeendleko zakho zokunakekelwa kwempilo ephakamileyo lakho ngaphandle kwe-30 okanye 40 yeepesenti, zibheno kuwe, kwaye isicwangciso segolide siya kuba ngumdlalo omhle.
Izicwangciso zeGolide zinokubhenela abantu abanomdla wokusebenzisa i-inshorensi yabo yezempilo, abanoyiko lokuba noxanduva oluphezulu lwee-coinsurance rates, okanye ngubani onokukwazi ukuhlawula ngokuthe kratya uxolo olungakumbi lweengqondo kunokuba babe neesilivere okanye isicwangciso sobhedu.
Kodwa njengoko kuphawuliwe ngasentla, ngo-2018 (kunye nokuba mhlawumbi ngaphaya, ukucinga ukuba abo baso-inshurensi bayaqhubeka bongeza iindleko zokunciphisa iindleko kwi-premiums plan yesilivere), kunokuyenza ingqiqo ukuthenga isicwangciso segolide nje kuba kungabizi ngaphantsi kwesicwangciso sesilivere, nangona kunika i-coverage engcono. Kubantu abafanelekela ukunciphisa iindleko , isicwangciso sesilivere sinokubonelela ngexabiso elingcono. Kodwa kubantu abangafanelanga ukunciphisa iindleko (okt, ingeniso yabo ingaphezulu kwama-250 ekhulwini lobuhlwempu, okanye i-$ 30,150 ngomntu omnye ngo-2018), isicwangciso segolide sinokuphela ukubonelela ngokubhekiselele kwi-premiums.
Kutheni Ungakhethi I-Pan Pan?
Ungakhethi isicwangciso sezempilo se-gold-tier ukuba i-premium yenyanga ephantsi yinto ebalulekileyo kuwe. Unokuba neeprayimari ezantsi xa ukhetha isilivere okanye isicwangciso sobhedu, endaweni yoko (ngaphandle, njengoko kuchaziwe ngasentla, kwiimeko apho idilesi yegolide iphetha ixabiso eliphantsi kwecebo lesilivere).
Ukuba unelungelo lokunika inkxaso -mali ngeendleko kuba uyingeniso yakho ingama-250 ekhulwini lomgangatho wentlupheko we-federal okanye ungaphantsi, uvumelekile ukuba uxhasane ngexabiso-mali xa ukhetha isicwangciso-siqili sesilivere kwaye uyithenge kwi- inshurensi yezempilo . Awuyi kufumana inkxaso-mali yokwabelana ngeendleko xa ukhetha isicwangciso segolide nangona imali engenayo ingaba yanele ngokwaneleyo ukuze ufaneleke.
Ulwabiwo-mali olwabiwo-mali lwenza ukuba uhlawule imali, i-copays kunye ne-coinsurance ephantsi ukuze uhlawule ngaphantsi xa usebenzisa i-inshorensi yakho yempilo. Enyanisweni, inkxaso-mali yokwabelana ngeendleko iya kwandisa ixabiso lesicwangciso sakho sezempilo ngaphandle kokuphakamisa iipresimari zenyanga. Kufana nokuphucula ukukhululeka kwinshuwalense yezempilo. Ukuba ukhetha isicwangciso sesilivere kunokuba isicwangciso segolide, inkxaso-mali yakho yokwabelana ngeendleko kunokukunceda ukuba ube nexabiso elifanayo oya kufumana ngegolide okanye iplatinum icebo, kodwa kwiiprayimari eziphantsi zesicwangciso sesilivere. Ngeke ufumane ukuphuculwa kokukhululeka xa ukhetha icebo lesondlo segolide.
> Imithombo:
> Isebe Lempilo Neenkonzo Zoluntu. Ukukhuselwa komonde kunye noMthetho ononophelo loNonophelo, iMakethe yozinzo . Ngo-Apreli 13, 2017.
> Isebe Lempilo Neenkonzo Zoluntu. Ukhuseleko lomonde kunye noMthetho woNonophelo ojongene noThathaka; Isaziso seNzuzo yeeNzuzo kunye neParameters yokuhlawula i-2018; Izilungiso kwiiNyanga zokuBhalisa eziKhethekileyo kunye neNkqubo yokuCwangciswa kwabasebenzisi. Disemba 22, 2016.