Chii chinonzi Health Insurance Deductible?
Tsanangudzo: Inishuwarenzi yehutano inobviswa ndiyo mari yaunobvumirana kubhadhara asati utano hwehutano inshuwarisi hutanga kuripa. Nenzira, urongwa hwehutano hwakabviswa hwakafanana nemari yemari inobvumirana iwe pachako kuvhara iwe usati watanga kutora pamari yako yakavhengwa yezvokurapa.
Mimwe migumisiro yehutano yehutano Deductibles ndeyi:
- Chiremba Deductible
- Health Plan Deductible
3 Marudzi Akasiyana-siyana eInishuwarenzi yehutano Inodzvinyirirwa uye Zvavanoreva
Kune marudzi matatu ekuderedzwa kwehutano hwehutano inshuwarisi. Hezvino chimwe nechimwe chinoreva kuitira kuti iwe uve nechokwadi kuti unokwanisa kunzwisisa kuti sei deductible ichakukanganisa iwe pane zvakasiyana-siyana
- Comprehensive Deductible
- Non-Comprehensive Deductible
- Cumulative Deductible
Comprehensive Deductible Tsanangudzo
Iyo yakazara deductible ndiyo inoshandiswa kudonhedzwa kunzwisiswa, ndeyo imwe yakagadzirirwa iyo inoshandiswa pane zvose zvakaputika uye inowedzera kusvika iwe watosangana nekutora kwako.
Hapana kungofungidzira sekusiyana kwezvikwereti zvezvikamu zvakasiyana-siyana uye kuti dzinoshanda sei.
Non-Comprehensive Deductible Tsanangudzo
Izwi risati rakakwana deductible harisi sezvinowanzoshandiswa pakurukura nezvehutano hwehutano inshuwarheni mumutauro, asi iyo inowanzove yakawanda mumitemo yakawanda uye inogona kuva nezvakanaka zvakawanda.Iyo isina kukwana yakawanikwa inogona kurondedzerwa sechitsva inongoshanda chete kune zvakananga zvipfeko kana mari yekurapa muhutano hwehutano inshuwarheni, somuenzaniso, zvimwe zvikamu zvingave zvakabviswa, vamwe vangave vasina uye mamwe mari ekurapa angada kuti kubhadharwa kubhadharwe usati watanga kubhadhara mari.
Zvinonyanya kureva zvimwe zvekuvhara kwako zvichange zvakaderedzwa uye vamwe havangavi nekutengesa, semuenzaniso wekutarisa kwemaziso tinotsanangura pasi apa.
Kuwedzerwa Deductible Kunotsanangurwa: Mhuri Maximum Deductibles vs. Chero Deductibles
Kana iwe uine chirongwa chehutano hwehutano hwehutano kuburikidza newe pachako kana iwe wako , ipapo izwi rinopedzisira rakagadzirirwa rinogona kufarira iwe. Kana zvasvika pakuongorora kuti ndeupi hutano hwehutano hwehutano huri kuronga iwe unoda kuva chikamu chekuziva, kuti chii chinowanikwa mumhuri chinogona kubviswa chinogona kubatsira.
Mune inshuwarano zvirongwa zvinotorwa zvinogona kutsanangurwa semunhu mumwechete uye mhuri. Munhu mumwe nomumwe anotsinhanisa anotarisa mari iyo inotora kubhadhara kuti munhu mumwe nomumwe muurongwa akabhadhara. Paunenge uine mhuri yakanyanya deductible, kamwe chete iyo iyo nhengo dzose dzeurongwa dzakabhadhara cumulatively kusvika kune deductible inosangana ne deductible, saka chirongwa chinotora kubviswa kwacho sekusangana. Icho hachidi kuti munhu mumwe nomumwe ari muurongwa hwekuwana zvakakonzerwa neavo pachavo. Izvi zvinogona kubatsira kuchengetedza mari nokuti mupiro wega wega wepurogiramu kumabhadharo achaverengera.
Utano Inishuwarenzi Inopedza Same Yezvose Zvivako?
Utano Hwepahutano Deductibles haisi yakafanana nezvose zvakabatanidzwa muhutano hwehutano inshuwarano.
Chirongwa chimwe nechimwe chakasiyana-siyana ndicho chikonzero nei uchinzwisisa kuti marudzi akasiyana-siyana ekuderedzwa anobata sei achakubatsira. Zvimwe zvipfeko uye mari yezvechiremba ine zviduku zvakaderedza pane chirongwa chenyu rose, zvimwe zvipfeko zvehutano zvakabatwa zvingave zvisina ductible. Izvo zvinoenderana nesarudzo yawakasarudza uye rudzi rwekududzirwa chirongwa chako chinopa. Kuti unzwisise mari yaunopedzisa kubhadhara muhomwe, unofanirwa kubvunza chirongwa chako chekupa mhinduro 3.
3 Mibvunzo Inonzwisisa Yako Kubva Muhomwe Yezvikwereti Kusanganisira Deductibles yako
- Ndezvipi zvinyorwa zvinowanikwa pasi pekudzikinurwa
- Pane here zvinyorwa zvisingabhadharwi? Unoita izvi zvipfeko zvine muganhu here?
- Ndezvipi zvinyorwa zvinoda kubhadhara-co-pay kana co-inshuwarisi?
Kuziva mhinduro dzemibvunzo iyi kuchakubatsira kuti unzwisise zvaunobatsira muurongwa hwehutano hwehutano huri nani.
Sei Unofanirwa Kubhadhara Chikamu Chezvikwereti Kunyange Kana Pasina Deductible?
Dzimwe nguva hurongwa huchapa kugoverwa kwezvikwereti zvako kune dzimwe nzira dzokurapa kana kurapa "pasina deductible". Ngwarira paunenge uverenga mazwi ako kuti uone kuti iwe unotarisawo mitsara. Kunyangwe zviyero uye zvinokanganisa hazvisi zvakafanana, kurova muganhu muchirongwa kuchakukumanikidza kubhadhara muhomwe.
Somuenzaniso, pane dzimwe nguva kuongororwa kwechiremba kwakafanana nekuongorora kweziso hakugoni kuendeswa kune deductible, saka ichava "hapana deductible". Kunyange zvakadaro, kuongorora kweziso kunodhura kana kunyange mari yegirasi iwe unoguma uchikwanisa kutenga, inogona kuva nemiganhu kunyange kana isina ductible.
Kana ziso rako rekuongorora rinodhura $ 65 uye muganhu wako wekuvhara maziso kweziso ndeye $ 50, iwe uchazoguma uchibhadhara musiyano, kunyange zvazvo pasina ductible. Ndiyo muganhu wekugoverwa uchazoguma uchiita kuti iwe ubhadhe kunze kwehomwe.
Uyu ndiwo muenzaniso mumwe chete wekuti iwe ungawana sei kuti iwe hauna ductible, asi pakupedzisira unotofanira kubhadhara kunze kwehomwe. Ichi ndicho chikonzero zvakakosha kubvunza mubvunzo usati watenga zvigadzirwa kana kusarudzwa kwemabasa ekurapa kuti uongorore mibvunzo mitatu yatakataura pamusoro apa.
Ndiani Anosarudza Health Insurance Deductible?
Iwe unosarudza inshuwarhu yehutano inobviswa kana iwe uchitenga chirongwa chako. Vamwe vanhu vanofunga kuti vangangova nechisarudzo chimwe chete, asi iwe unogona kugara uchikumbira zvinyorwa zvakasiyana nezveduchengetedzo. Kana iwe uri mukana wekubhadhara ductible yakakwirira, iwe unogona kutora chirongwa nechepamusoro deductible uye kuchengetedza mari pamutengo we inshuwarisi yako. Kuchengetedza kwako pazvinhu zvinowedzera zviri nyore kuwedzera pane nguva kusvika pamari yaunoda kuvhara iyo deductible kana iwe ukaisa izvo zvakachengetedzwa kunze. Izvi zvinokuisa mukutonga kwemari, panzvimbo yekambani ye inshuwarisi. Kana iwe usati wapedzisira uchida kushandisa mari yakawedzerwa iwe uchichengetedza iwe uuye kumusoro. Zvinonyatsoenderana nehutano hwehutano huchashandisa, uye hutano hwako.
Unofanira Kusarudza Deducible Yakakwirira paUtano Inishuwarenzi?
Kana iwe uchinzwa uri kutambura kuti uwane mari yehutano inshuwarisi yako, saka iwe unofanira kufungisisa kana iwe uri kuzviisa pangozi yakawanda nekutora zvakaderedza kuderedza mari . Zvakakosha kuongorora kana iwe uchikwanise kubhadhara zvakakwirira kuderedza mudambudziko. Kuzviisa mumamiriro ezvinhu apo iwe usingakwanisi kubhadhara iyo yakabviswa muurongwa hwako hwehutano haisi pfungwa yakanaka, saka funga kwenguva yakareba pakusarudza hurongwa hwehutano hwehutano. Hazvirevi nezvemazuva ano, zvinoreva mari iyo iwe unoda kushandisa inshuwarisi.
ZANO: Funga kana iwe waifanira kuuya nezvinozobviswa mangwana, iwe ungagona here? Kana mhinduro yacho iiwa, ipapo tsvaga urongwa huchashandira bhajeti yako. Yeuka, pfungwa yose yehutano inshuwarano ndeyokukuchengetedza iwe paunenge uchida.
Kuchengetedza Utano Utano Deductibles
Imwe nzira kana iwe usingakwanisi kuwana mari yakakwirira yezvinodiwa nhasi, kuzviita iwe urongwa apo iwe unoedza uye kuchengetedza imwe "inshuwarisi yehutano" mari mwedzi mumwe nomumwe uri mune mari yekukurumidzira yehutano yehutano inokwidziridzwa. Zvadaro mushure megore kana maviri, iwe ungangodaro wakachengetedza zvakakwana kuti utore zvakanyanya kuderedza kana yava nguva yekuvandudza hurongwa hwehutano hwehutano. Ipapo iwe uchabhadhara zvishoma kwehutano hwako hwehutano kwenguva refu.
Health Savings Accounts
Utano Hupenyu Zvikamu zvinopa mikana yakawanda uye izvi zvinogona kuva imwe nzira yekudzidza zvakawanda pamusoro pezvaunodzidza pamusoro pokuti ungashandisa sei mari yako nehutano hwehutano. ZVIMWE >>
Kutsvaga nzira dzokuchengetedza mari kwakaoma, asi zvakanyanya kuipa apo uri kuedza kuwana mari yekubhadhara kune imwe nguva uye hutano hwako huri pangozi. Kana zvakashata zvisati zvamboitika, ipapo iwe uchava necheka rakanaka rekuchengetedza kana iwe uchida kuchida. Zviri nani kuva nemari iyo muhomwe yako, panzvimbo yekambani ye inshuwarisi. Ita zvinangwa zvekuchengetedza uye unamatire pane chirongwa, zvakakosha.