Kusarudza Ikuwedzera Flexible Health Insurance Policy Nezvishoma Zvipingamupinyi
Chii Chinonzi Indemnity Health Health Plan?
An Indemnity yehutano inshuwarano chirongwa chirongwa chehutano hwehutano chinokubvumira kusarudza chiremba, chiremba wehutano, chipatara kana mupiro webasa raunosarudza uye anokupa huwandu hwakawanda hwekushandura uye rusununguko muurongwa hwehutano hwehutano.
Zvirongwa zvehutano hwekuchengetedza hunozivikanwawo se "chirongwa chekubhadhara mari" kana kuti "mari yekubhadhara basa". Urongwa hunotibatsira kudzivirira kudzivirirwa kune zvinodiwa zvemari yekurapa.
Kubatsirwa kweIndemnity Health Insurance Plans
Chimwe chinhu chinokosha chekubhadhara kwehutano inshuwarano chirongwa ndechokuti hakumanikidze kuti usarudze chiremba wekuchiremba.
Nzvimbo yehutano yehutano yakasiyana yakasiyana nemitemo inopiwa nehutano huri masangano (HMOs) uye inofanirwa kupa masangano (PPOs) nokuti inokubvumira kuwana rubatsiro rwehutano paunosarudza uye zvakare chirongwa chehutano chekubhadhara chinopa hupiro hwechikamu chakaiswa chezvikwereti. Mukuwedzera, zvipo zvehutano hwehutano hwehutano zvakasiyana-siyana nokuti zvinokubvumira kuti uzvidzorere kune vanyori, hazvikudi kuti uwane kutumira kuitira kuti uwane mari kana ukasarudza kuona nyanzvi.
Rudzi rworusununguko runowanikwa nechirongwa chehutano hwehutano inshuwarheni inogona kuva yakakosha pakuraira utano hwako pachako. Izvi zvakasiyana chaizvo neHMOs, IPAs, uye PPOs izvo zvinoshandisa kutarisirwa kwakachengetedzwa uye zvinogona kukumanikidza kusarudza mutarisiri wepakutanga sechikamu cherongwa.
Indemnity yehutano inshuwarano zvirongwa hazvibatanidzi mupiki webhutano.
Icho Chibvumirano Chehutano Inishuwarenzi Yakakodzera Zvakakunakira Iwe Nemhuri Yako?
Indemnity yehutano inshuwarano zvirongwa zvine zvakanakisisa apo zvinotevera zvinokosha kwamuri:
- Iwe hauna kana unoda kuzvipira kune chiremba wokutanga. Kusiyana neHMO nePPO's chirongwa chehutano chekubhadhara hachikukumanikidze kuti usarudze chiremba wako mukuru wekuchengeta, saka izvi zvinova uye zvinobatsira pakuva norusununguko rwokusarudza.
- Iwe haufaniri kubhadharira zvishoma zvehutano hwehutano hwehutano kana kuti wakabviswa
- Iwe hausi kunetseka pamusoro pokusarudza vatambi vasingatsvaki mari. Zvinoreva kuti nokuti iwe hausi chikamu chekubatanidza muhurongwa hwehutano hwehutano hwehutano, zvinodhura zvechiremba uye nyanzvi dzamunosarudza zvinogona kupfuurira kunze kwetsanangudzo yeUCR. Iwe unofanirwa kubhadhara maonero ekuti zvisarudzo zvako zvinobata sei mari yako.
- Iwe unogara mune imwe nzvimbo iyo nzvimbo yekuwana kune vanachiremba nemishonga yezvechiremba waunoda haingabatanidzwi mune chirongwa cheHMO kana PPO.
Indemnity Health Health Insurance Plan Zvinodhura uye Deductibles
Indemnity inshuwarano hurongwa inobhadhara chikamu chemari yako yezvokurapa kune mupi webasa raunosarudza asi inogona kuiswa pasi pekudhakwa.
Neurongwa hwekusabhadhara, iwe uchabhadhara chikamu chokutanga chemari yehutano kusvikira wakabhadhara kusvika kumuganhu wegove yako, iyo inozivikanwa seyakabviswa. Iyo yakagadziriswa muchirongwa chekubhadhara inogona kubva kubva ku $ 100 kuvanhu uye kusvika ku $ 500 pavhareji yemhuri uye yakasiyana zvichienderana nemupi webasa kana kambani yveshuwarenzi.
Kana ukangobhadhara iyo yakagadziriswa, urongwa huchabhadhara kune zvakasara zvehutano hwehutano hwehutano kusvika pamiganhu yakareba musimboti yako yechibvumirano.
Indemnity mazano anogonawo kusanganisira kubhadhara mari yekubhadhara kana kubhadhara mari . Kunyange zvazvo zvikwereti zveshuwarenzi zvirongwa zvehutano dzimwe nguva zvinodhura zvakawanda kubva muhomwe kune vamwe, kubatsirwa kwekuzvipira-kureva kune nyanzvi uye kuva nerusununguko rwekuwana rubatsiro kune chero kupi zvako kwaunoda, pasina kukwanisa kwekugadzirisa zvakakosha kunokodzera kubhadhara kune vakawanda.
Indemnity Health Health Plans vs. HMO nePPO Plans
Kusiyana neHMO nePPO zvirongwa zvehutano hwehutano, huwandu hwematongerwo enyika hunoita kuti iwe usarudze chero chiremba , nyanzvi uye chipatara iwe unofarira apo uchitsvaka rubatsiro rweutano. Zvirongwa zvekuregererwa zvinoratidzirwa mari-ye--hutano yehutano hurongwa hwehutano apo iwe une rusununguko rwekusarudza mabasa ako ehutano uye chero bedzi mabasa ako akakodzera iwe unogona kubhadhara mari zvichienderana nemitemo yemitemo yako yakanyorwa.
Dzimwe nguva kubhadharwa kwehutano inshuwarano zvirongwa zvinodhura zvakanyanya kupfuura HMOs uye PPOs, asi mubayiro ndiwo kushanduka kwezvisarudzo.
Kuwanika kune vadzidzisi neIndemnity Health Insurance Plans
Kugona kuzvidzora-kureva kune nyanzvi kunogona kuva chinhu chakakosha mukuwana kurapa kwakanakisisa kwehutano uye zviri nyore chimwe chezvakanakisisa zvikuru kune zvipo zvehutano hwehutano hwehutano.
4 Mazano Anokosha Okunzwisisa Indemnity Health Insurance Plan
Kana iwe uine mukana wekusarudza mutemo wekusununguka kwehutano inshuwarhu , heino nheyo ina dzinokosha dzinofanira kuyeuka:
1. Zvigadziro zveZvimbiso neZvamwe, Zvetsika uye Zvinonzwisisika (UCR) Mutengo
UCR mitengo ndeyekuti vatapi venhepfenyuro vekurapa munharaunda yako vanowanzobhadhara nekuda kwemashumiro nokuti zvirongwa zvekubhadhara zvirongwa zvehutano hwehutano hwehutano huripo pasina network inotaura nezvemajeri ayo vatengi vako vakasarudzwa vachabhadhara. Somugumisiro, iwe unoda kuzviziva nemari inoshandiswa neurongwa hwako sewetsika uye netsika zvichienderana nezvakasarudzwa nemupiriri wako achapa mari kuti uwane mari dzisingatarisirwi. Kunyanya, kana iwe uchienda kune dzimwe nzvimbo dzenharaunda. Muzhinji vese vanoita zvinosangana nemitemo, zvisinei kuti zvakakosha kuziviswa kana iwe uchishandisa chirongwa chekuzvigadzirisa sechirongwa chehutano hwehutano inshuwarano.
2. Kunzwisisa Deductibles uye Co-Payments yeIndemnity Health Insurance
Iwe unogona kunge une deductible . Iyo deductible ndiyo mari yaunofanirwa kubhadhara musati mazano emitemo anopiwa. Kana zvikwereti zvako zvehutano zvakabatanidzwa, kana kuti zvakakodzera kubhadhara pasi pemutemo, yako deductible ichashandiswa.
Mushure mekubviswa , iwe unogona kubhadhara kubhadhara mari yekubhadhara. Mari yekubhadhara iwandu hwekubhadhara iwe kwemajeri akasara mushure mekudhara kwako. Semuenzaniso: Kana zvikwereti zvako zvinokwana $ 800 uye une $ 200 yakabviswa, iyo inodzinga $ 600 yakasara. Taura kuti kubhadhara mari yako ndeye 20%. Izvi zvinoreva kuti iwe uchiri kudiwa kubhadhara 20% yemari yakasara ye $ 600, iyo inenge iri $ 120. Tsvaga iyo yakagadziriswa uye co-inshurenzi zvinoda zvekubhadhara hupenyu hwehutano inshuwarano kuti uve nechokwadi chokuti unokwanisa kubhadhara mari.
Zvimwe zvipo zvehutano zvehutano zvinopawo huwandu huwandu hwaunofanira kubhadhara se-co-inshuwarisi. Iyi mitemo inobatsira nokuti kana iwe uchinge warova zvakanyanya kubhadhara, iwe hauchafaniri kubhadhara co-inshuwarisi. Zvichienderana nemamiriro ako ekurapa izvi zvinogona kubatsira kugadzirisa zvakanyanya mari yaunenge uchibhadhara sechikamu chemutemo.
3. Indemnity Health Plans Usarega Kuwana Kubva pane Geographic Location
Sezvakatsanangurwa mukutsanangurwa kwedu kwerongwa hwehutano hwemari huri pamusoro apa, mune chirongwa chekubhadhara, iwe une rusununguko rwokusarudza chiremba wako, nyanzvi, kana chipatara ane vashomanana, kana pane zvikanganiso.
Mune zvimwe zviitiko, HMO nePPO zvinogona kugadzirisa zvaunogona kuita kune chiremba, nyanzvi, kana chipatara nekugadzirisa nzvimbo, kana nzvimbo inowanikwa muripo. Izvi zvinopa ruzivo rwakakura kune rusununguko runopiwa nechirongwa chekuregererwa kwevanhu vazhinji.
4. Zvigadziriswa Zvirongwa uye Zvimwe Zvokuchengetedza Utano
Zvimwe zvikwereti zvehutano inshuwarano zvirongwa hazvikwanise kuvhara mabasa ekudzivirira, asi vamwe vanoita. Zvinodzivirira utano hwehutano hunosanganisira kuongorora kwegore negore uye dzimwe nguva kushanya kwehofisi zvakagadzirirwa kudzivirira zvirwere. Usati wasarudza urongwa hwehutano, iva nechokwadi uye ukurukure kuti maitiro ekudzivirira anotsigirwa sei, uye mari yakawanda yaunogona kutarisira. Izvi zvichakubatsira iwe kuti usarudze sarudzo yakanakisisa. Mune zvimwe zviitiko, mari yezvibasa izvi haingaverengi kune yako yakabviswa.
Nzira Yokuziva Nayo Zvakafukidzwa neAn Indemnity Health Insurance Plan
Bhurocha rako rekubhadhara hurumende kana bhurocha rako rinobatsirwe nebasa rinotsvaga zvinyorwa uye mamiriro ezvakafukidzirwa uye izvo zvisina kuvharwa. Verenga nhaurirano yako kana bhurocha raunobatsira usati wada rubatsiro rwekuchengetedza utano uye bvunza hupenyu hwako hutano inshuwarisi, kambani ye inshuwarisi kana mushandi kuti atsanangure chero chinhu chisina kujeka.