A supplemental health health plan chirongwa chekuchengetedza hutano chinofukidza chero chinhu chiri pamusoro uye zvisingapfuuri zvishoma zvinoshandiswa pakurapa kwekurapa.
Zvimwe zvezvirongwa zvehutano zvinogona kupa mishonga yakawedzerwa yezvehutano, kana kuti inogona kutengwa kuti ipe rubatsiro rwekubhadhara mari dzisingabhadharwi nehutano hwehutano inshuwarheni, yakadai se -co-inshuwaridhi, kubhadhara mari uye kubhadhara . Izvo zvose zvinoenderana nehuwandu hwehuwandu hwehutano hwehutano uhu huri kutsvaga.
Heino Mienzaniso Mienzaniso Yekuwedzera Kuwedzera Utano Inhuwarano Huru Mitauro:
- Inishuwarenzi yezinyore kuvanhu vakuru
- Critical Illness Insurance
- Kuona Inishuwarenzi Mazano
- Disability Inishuwarenzi
- Supplemental Travel Insurance yeHealthcare kugoverwa kana uri kunze kwehutano hwehutano inshumo
- Inishuwarenzi yenguva refu yekuchengetedza
- Nguva pfupi nguva yehutano inshuwarisi yekugovera
- Medicare kana Medicaid Supplemental Plans
Sangano Rokuwedzera Inishuwarenzi yehutano inoshanda sei?
Supplemental inshurensi inobhadhara mari kune vanovimbisa. Nhamba yekubhadhara uye iyo yakabhadharwa sei inobva mukuwedzera kwehutano inshuwarano chirongwa kana mutemo. Vamwe vanozivikanwa vachiwedzera inshuwarano yehutano inshuwarano ndeye chirwere chinonzi inshuwarisi yakadai se:
- nokuda kwekenza
- kazhinji kufa uye kushungurudzika inshuwarisi
- inshuwarano yehutano inshuwarisi, uye chipatara chekuchengetedza mari yehutano
- Medigap (Medicare kuwedzera inshuwarisi yehutano)
Ndiani Anofanira Kuwana Supplemental Health Insurance Plan?
Iwe unoda supplemental health health plans here kana iwe uchitova nehutano inshuwarhu?
Izvozvo zvinoenderana nematambudziko ako uye kuti unhu hwakawanda hupi huri hutsvaga, kana kuti chii iwe unoda kuva inshuwarisi.
Zvimwe zvezvirongwa zvingasarudzwa. Zvinenge zvakakwana kwauri kuti usarudze kana zvikomborero zvakapiwa neurongwa zvakakodzera kubhadhara mu premium yaucharipa.
Muenzaniso: Kana uchiziva kuti vana vako vachada inishuwarenzi kuti vaone kana orthodontic kutarisira mumakore anotevera, uye kutenga chirongwa chakanaka chemazino chekuwedzera zvikwereti zvako zvinokubvumira kuti uwane mabhizimisi, zvino iwe unogona kusarudza chirongwa chekuwedzera inshuwarano yezinso inogona kunge kodzera.
Chimwe chiitiko chaizove kana iwe uchiziva kuti haugone kutenga mari yekuchengetedza kwenguva refu, kana kurasikirwa kwemari kana iwe ukaonekwa kuti unorwara nekenza, ipapo kutarisira kwenguva refu kana chirwere chinotyisa chingakwanisa kuva mari yakanaka yaunofanira kufunga.
Kuwana Hurongwa Hwehutano hweInishuwarenzi
Usati waita mari yekuwedzera mari yehutano inshuwarheni, iva nechokwadi chokuti unonzwisisa zvikamu zvinowanikwa muhutano hwehutano hwehutano hwakasiyana kana kana iwe une wawakaroorana naye, ita nechokwadi kuti unonzwisisa mikana yekubatanidza kubatsirwa kwezvirongwa zvako zviripo .
Iwe haudi kudzokorora kubhadhara kana kubhadhara mamwe inshuwarisi kupfuura iwe unoda .
Inishuwarenzi yehutano mitemo yakasiyana zvakasiyana naizvozvo, chii uye kuti vachabhadhara zvakasiyana sei. Tarisa kuti uve nechokwadi chokuti une utano hwakanaka hwehutano inshuwarisi inokubhadhara zvakakwana pamutengo wakanaka .
Supplemental inshuwarano yehutano inouya kuti ikubatsire kubhadhara icho iyo inshuwarisi yehutano isingabhadhara kana zvimwe zvinoshandiswa. Zvimwe zvirongwa zvehutano zvakadai sekurwara zvakakomba kana kuremara zvinogona kukudzivirirawo nezvezvinhu zvausingakwanisi kubhadhara kana chimwe chinhu chakaitika uko iwe kwekanguva kana kuti zvachose haugone kuita mari yekubhadhara zvimari yako.
Zvaunofanira Kufunga Paunosarudza Supplemental Health Insurance
Zvimwe zvinhu zvokufunga nezvazvo paunosarudza kana iwe uchida kubhadhara utano hwehutano huri chirongwa:
- hutano hwako hunokonzera
- mari yako
- kunyangwe inshuwarheni yaunogona kutenga
Kuwana kwako kunofanira kuita basa rinokosha musarudzo yako yekutenga kuwedzera kwehutano inshuwarisi yemutemo. Kana iwe uri muchipatara kwemavhiki mashomanana kana kupfuura, iwe ungave wakakwana here kuti uvhare dzimwe mari yako iyo inshuwarisi yako isingaiti? Une mari here yaunokwanisa kuwana kuburikidza neHSA kana FSA ? Paunenge uchisarudza pakutengesa mutemo, unofanirwa kufungisisa kana uchikwanise kuzvipa kana kwete.
Ndekupi Kwatingawana Zvimwe Zvirongwa Zvoutano?
Zvimwe zvirongwa zvehutano zvekuwedzera zvinotengeswa nevanomwe vatsigiri vehupfumi, hazviwanzotengeswa kuburikidza neAACA yekuchengetedza misika.
- Tarisa newaunoshandira kuti uone kana pane zvimwe zvikwereti zvakaderera pane chirongwa chako chehutano kubasa chinosanganisira kubhadhara zvirongwa zvehutano. Kune mienzaniso, vashandi vangave vaisanganisira maonero akawedzerwa, mazino kana nguva pfupi yekuremara kwekuremara. Kana inishuwarenzi yako isingatauri izvi, chengetedza inshuwarisi inopiwa nemumwe wako kana wekumba naye, zvinganzwisisika kuenda neinishuwarensi kana izvi zvinyorwa zvinowanikwa zviripo. Izvo zvinova zvakajairika kune vashandi kupa zvikwereti zvakawedzerwa sechikamu chebasa rekuchengetedza basa, saka zvakakosha kubvunza pamusoro.
- Iwe unogona kutaurirana nemumwe munhu wechuchengetedzi yega yega kana kuonana nehutano inshuwarisi mutengesi kuti utsvake vatengesi vega vega paunenge uchitsvaga zvirongwa zvehutano hwehutano hwehutano .
- Kune Medicare, unogona kushandisa medicare.gov kuti uwane chirongwa.
Zvimwe Zvimwe Zvienzaniso zveAddingal Health Plans
- Chirwere Chirwere Kana Chirwere Zvakananga Inishuwarenzi rudzi rwekuwedzera inshuwarano yehutano inopa mari inobhadharwa iwe pachako kana iwe uchida kurapwa kune chimwe chirwere chakadai sekenza. Kakawanda, mari inogona kushandiswa nenzira ipi zvayo yaungasarudza uye kuwana kubatsirwa kwako hakuzombovi nechokuita nehuwandu hweinishuwarenzi yako yakabhadhara mari yako yekurapa.
Njodzi yehutano Inishuwarenzi kana kusinganzwisisiki Rufu uye Kuregererwa Kwekuwedzera Inishuwarenzi Icho chinyorwa chekuwedzera mari yveshuwarenzi kazhinji inogona kukubhadharai nokuda kwemari yekurapa inokonzerwa nenjodzi. Batsiro inobhadharwa kana iwe ukafa (kune vako vanowana) kana akaremara nekuda kwengozi yakarongedzerwa mumutemo. Zvikomborero zvinowanzoperera uye hapana kuongororwa kwechiremba kunodiwa. Njodzi dzinogona kusanganisira njodzi dzemotokari uye njodzi mumusha kana pabasa rako. Uyezve, kana iwe uchinge uchinge uchinge uchinge wakagumburwa neminwe, zvigunwe, zvigunwe, kana zvawakaratidzwa nekuda kwengozi yakavharwa, ungakwanisa kuunganidza chikamu chekufa kwekufa.
- Chipatara Indemnity Inishuwarenzi: Rudzi urwu rwekuwedzera inshuwarano yehutano inopa zuva rega rega, revhiki nevhiki, kana kuti mwedzi mumwe nemari kubatsirwa kana iwe uchingopinda muchipatara kugara. Kazhinji pane chipatara chisina chimiro chisati chavapo mari inobhadharwa. Mari inobhadharwa inobhadharwa nekuwedzera kune imwe yveshuwarisi yaungave nayo. Zvikomborero zvinowanzoderedzwa kana iwe ukavharirwa kuchipatara chepfungwa uye kazhinji iwe unogona kuwana zvirongwa kuburikidza nemushandirwi asingadi utano hwekuongorora.