Health Insurance Coinsurance

Coinsurance uye Your Out Pocket Health Insurance Indwara

Coinsurance Tsanangudzo

Coinsurance ndeyemari yemari yauchabhadhara kubva muhomwe yehutano hwakavharwa kana hwehutano iwe mushure mekunge iwe uchibhadhara deductible paurongwa hwehutano hwako. Coinsurance inowanzoratidzwa se peresenti yemari. Icho coinsurance clause icharatidza kuti zvii zvauchabhadhara, uye chii chikamu chekambani yeinishuwarenzi ichabhadhara.

Ne coinsurance iyo inishuwarenzi inobhadharwa inobhadhara mari yebasa rinochengeterwa inshumo nekambani yeinishuwarenzi pazvakatemerwa mazana anotsanangurwa munyaya ye coinsurance yemutemo.

Iwe unobhadhara chikamu chemari yebasa iyo inishuwarenzi uye kambani ye inshuwarisi inobhadhara imwe chikamu. Coinsurance ndiyo izwi rinowanzoonekwa muhutano hwehutano inshuwarisi .

Chii Chikamu Chekusimbidzika Chinorevei?

Apo inishuwarenti inobatanidza ine coinsurance inoshandiswa icharatidzwa se peresenti.

Zvose zvinowirirana mari inotengeswa ndeye 30/70 kana 20/80. Izvi zvinoreva kuti sezvo bhizimisi iwe unobhadhara 20% mu 20/80 coinsurance clause, kana kuti 30% yemari mu 30/70 coinsurance clause.

Kambani yeInishuwarensi inobhadhara huwandu hwemari yepamutengo wepamusoro. Mari yako inowanikwa chikamu chikamu chezasi, inomiririra iwe unobhadhara. Somuenzaniso, 80% mune 20/80 uye 70% mune 30/70 coinsurance clause.

Muenzaniso wekuti Coinsurance Inoshanda Sei neDeductible

Zvizhinji zvehutano inshuwarisi mazano ane coinurance clause. Iko mari yekubhadharisa inokonzerwa nechikamu chemari iyo mushure mokunge deductible yakabhadharwa kana kubviswa kubva pachiyero.

Kana mvumo yako yezvechiremba iine $ 1,500 uye iwe une $ 500 deductible, ipapo chikamu icho coinsurance ichichashanda kune iyo mushure mokunge waderedzwa. Saka mari inobhadharwa ichashanda kune $ 1 000 inosara.

Pa 20% coinsurance clause, iwe waizotanga kubhadhara $ 500 inobviswa, ipapo 20% yemadhora $ 1,000, ari $ 200.

Kambani yeInishuwarenzi yaizobhadhara mari inosvika $ 800.

Zvaunoita zvekutora mari yako zvingave zvakabatanidzwa zvachose chikamu chako che coinsurance clause chikamu uye yako yakagadzirirwa iyo iri $ 700, kambani ye inshuwarisi inobhadhara madhora 800.

Muenzaniso weBhizinesi Rubatsiro Rwakabhadharwa Nechigwaro Chinovimbiswa

Maria aiva ne20% coinsurance clause pamusoro pehutano hutsva hwehutano inshuwarisi. Akangowana bhadharo, nokuda kwekuvhiyiwa kwake kwechangobva kuitika, kubva kune yekambani yehutano inshuwarisi.

Zvose zvebhadharo iyi yaiva $ 2,000. Utano hwehutano hwehutano hwakakosha hwaive $ 200 zvegore uye hapana chekubhadhara kwake yakabhadharwa zvakadaro sezvo ichi chaiva chekutanga kuda kwake.

Izvi zvinoreva kuti Maria aizoda kubhadhara, kubva muhomwe yake, iyo yakazara yakawanikwa ($ 200), uyezve 20% yemari yakasara yeinishuwarenzi ($ 360). Saka, mari yake yose yekuvhiya yaive $ 560 ($ 200 + $ 360).

Zvinhu Zvitatu Zvinokosha Kunzwisisa Nezve Coinsurance

1. Kana iwe uine ruzivo rwakakwana kuti uve nehupfumi pasi pehutano hwehutano hwehutano , sezvinenge uri pasi pemudzimai kana wepambani wehutano wehutano inshuwarano , uye mumwe wavo ane imwe yakasiyana yemari yechipatimendi, iwe unogona kukwanisa kuwana yako yakawanda yemari yako yehutano yakavharwa ne unyanzvi hwokubatanidza zvirongwa zvako zvehutano inshuwarani uchishandisa kubatana kwezvikomborero paunoshandisa yako inshuwalhu yehutano . Cherechedza kuti kana zvose zvikomborero zvingabhadharwa zvakafanana, iwe hauzokwanisi kushandisa mazano aya. Semuenzaniso, John's primary health insurance inshurenzi ane 50/50 co-inshuwar clause. Zvisinei, ane inshuwarisi yakaviri pasi pomudiwa wake Erizabheti uyo ane 20/80 coinsurance clause. Mukuru wake anotakura mari achabhadhara 50% yemari yezvokurapa kwake asi achishandisa kubatana kwebatsiro mune zvaanotaura iye anogonawo kushandisa chirongwa cheErizabheti chinofukidza 80% kuchengetedza mari.

1. Kana wakatobhadhara mari yakawanda yaunofanira kubhadhara pamutemo wako wekudzikinura, iwe haufaniri kubhadhara deductible yebasa racho, uye iwe haufaniri kuderedza mari yaunotora iwe usati wawana kambani yeinishuwarensi kubhadhara mugove wavo wekutaura maererano neshoko re coinsurance.
2. Unyanzvi hunonzwisisa kuti kubhadhara, kubatana kwezvikwereti uye kubhadhara kunoshanda pahutano hwako hwehutano kunogona kukuponesa mari yakawanda, saka iva nechokwadi chekuverenga zvakakwana mamiriro ose ehutano usati waita sarudzo yako uye usati usayina kuregererwa kwehushuwarano hwehutano kune imwe sarudzo kana iwe usingazivi. Taura nemumiririri wako kuti anzwisise zvakakwana zvaunogona kuita.