Nzira yei-Pay-Payments, Deductibles uye Mimwe Utano Inishuwarenzi Purogiramu Inoshandiswa Pabasa
Rubatsiro Kunzwisisa Utano Hwako Hwehupfumi hweParamende
Utano hwehutano yehutano yemitemo nemitemo yemitemo inogona kuvhiringidza, heino urongwa hwemusoro wehutano hwehutano hwemashoko nemashoko uye mienzaniso kuitira kuti panguva inotevera uzviwanire unetseka "Zvinorevei izvi?" pamusoro peheath inshuwarisi izwi kana chimiro, une mhinduro yako pano.
Rondedzero yeZvirevo zveUrano Insurance Policy Terms
Pasi pane urongwa hwehutano hwehutano inshuwarheni inobatsira kuti munhu wese anzwisise zvakawanda nezvehupenyu hwavo hwehutano hwehutano hunofanira kupa.
Kunyange uchida mamwe mashoko kunze kweshoko redu rakakurumidza pano, unogonawo kuvhara pazvibatanidzo kuona zvimwe zvakadzama ruzivo pamusoro pemumwe wemashoko.
Tsanangudzo yeCo-inshuwarisi
Co-inshuwarheni ndiyo mari yakagoverwa pakati pekambisi yekuchengetedzwa uye inshuwarisi yehutano hwehutano hwehutano hwakananga. Icho chikamu chekubhadharwa mushure mekuderedzwa. Iko-inshuwarisi inowanzoratidzwa sekuparadzana, apo bhizimisi inobhadhara imwe yepakati uye kambani ye inshuwarisi inobhadhara zororo. Inonyanya kukwanisika co-inshuwarheni yakapatsanurwa ndeye 80/20. Izvi zvinoreva kuti kambani yeInishuwarensi ichabhadhara 80% yemitemo uye inshuwarheni inotarisirwa kubhadhara imwe 20%. Iko-inshuwarimendi clause haisi yekuvhiringidzika ne deductible iyo ndiyo chikamu che inshuwarisi iyo iyo inshupiri ichabhadhara ivo pachavo pamberi pekambisi ye inshuwarisi inotanga kubhadhara mari.
Muenzaniso wekuti co-inshuwarisi inoshanda sei: Mary ane 80/20 co-inshuwar clause. Anobhadhara 20% yemari uye kambani ye inshuwarisi ichadzorera yake 80% yemari.
Ko Co-inshuwarisi Inoshanda Sei neDeductible?
Chiitiko chekuti co-inshuwarisi inoshanda sei ne deductible ingadai yakaita seyiyi: Iwe unotora muwandu wezvinodhura, zvishoma kudhara. Mari yaunosara nayo ndiyo iyo iyo co-inshumo clause inoshanda kune. Saka, somuenzaniso kana iwe une $ 1200 yemari yebhadharo ne $ 200 deductible uye 80/20 co-inshumo clause, inogona kutamba seyiyi: Nhamba yemishonga yezvokurapa ($ 1200) zvishoma kudhakwa ($ 200) = $ 1000 inosara.
Kubva pa 80/20 co-inshuwarheni, iwe waizovhara 20% ($ 200) uye kambani ye inshuwarisi yehutano hurongwa hurongwa huchafukidza 80% ($ 800). Pakupera kwezuva iwe wakabhadhara $ 400 uye hutano hwehutano huripo huripa $ 800 kuti uvhare mari yose ye $ 1200.
Tsanangudzo yekubatanidzwa kwezvipo
Kugadziriswa kweZvibatsiro apo apo inshuwarano yehutano inowanikwa kune munhu anobva kune zvakasiyana-siyana, mupiro wehutano wehutano huchaongorora zvikamu zvakasiyana-siyana zvinowanikwa uye zvino kuronga kubhadhara zvakakodzera. Kana pane imwe chete inobva kune hutano inshuwarano ipapo kubatana kwezvibatsiro hazvibatsiri sezvo pasina imwe chirongwa chehutano che "kuronga" ne.
Mienzaniso yekubatanidzwa kwezvipo
Muenzaniso 1: Kugadziriswa kweZvibatsiro uye Gore Negore Maximum Limits
Urongwa hwehutano hwehutano hwehutano hwaMaria huripo kusvika kumuganhu wegore rose we $ 1000 nokuda kwe physiotherapy, apo chirongwa chake murume Johnathan chinosanganisira kugoverwa kwaMaria pasi pehutano hwehutano hwehutano pamwe nebasa rake rinobhadhara kusvika $ 500. Maria akafukidzwa nepurogiramu yakaviri. Muchiitiko ichi kambani yehutano inshuwarisi inobatanidza zvikwereti kuti ione kuti chirongwa chega chega chinounhara chikamu chebasa. Pane rimwe zano rakati rapera uye rakarova muganhu wegore negore, Maria anogona kunge achikwanisa kugoverwa pasi peurongwa hwaJohanathan.
Muenzaniso wechipiri: Kugadziriswa kwezvipo uye Co-Inishuwarenzi
Mary's primary health insurance insporteur ine 80/20 co-inshumo clause pane mazano emeno. Nemhaka yokuti ane inshuwarisi yakasungwa pasi peurongwa hwaJohanathan, mukuru wavo anotakura achabhadhara 80% yemari yeinishuwarenzi uye iye achazowana 20% inosara kubva kune imwe yehutano yehutano inshuponi (chirongwa chaJohaneathan). Nemhaka yokuti iye akafukidzwa pasi pebhiri mbiri, nekuda kwekubatana kwebatsiro pakati pezvirongwa zviviri, iye anoguma asingabhadhara chinhu kunze kwehomwe.
Muenzaniso wechitatu: Kugadziriswa kweZvibatsiro Nekusapindirana Kwezvipo
Mary guru rehutano inshuwarisi insurer ine 80 -20 co-inshuwarisi, uye iye wechipiri inshurensi kuburikidza naJohnathan.s anoshanda ane 80/20 co-inshuvo clause zvakare. Mushure mekunge chirongwa chaMaria chibhadhara 80%, wechipiri anotakura haaiti kukanda mubhadharo chero chechiyero nokuti vangadai vakabhadhara 80% zvakare.
Kana Maria wekutanga anotakura aiva ne 50 -50 co-inshuwarani uye chirongwa chaJohanathan chaine 80 -20 co-inshurensi, zvino kubatana kwezvikwereti kunokonzera kubhadhara 50% kubva pane chirongwa chaMaria, uye kusiyana kwakasara kwebhadharo 30% kubva Johnathan yehutano inshuwarhu (kana kuti yechipiri inshuwarisi yehupi hwehutano hunobatsira). Mariya wose aizogara achigumira se 80% nechigwaro chisina kudzokorora, uye hapana kudzokorora kwezvipo.
Tsanangudzo yeCo-kubhadhara
Mari yekubhadhara iri mari yakatarwa yaunofanirwa kubhadhara panguva yekugamuchira mamwe mazano ezvokurapa. Utano hwako hwehutano inshuwarisi huchajekesa kuti ndeapi mapepa ehutano anoda kubhadhara mari. Kubhadharwa kwekubhadhara hakuwanzoshanda kune yese nheyo dzakabatwa neurongwa hwehutano hwehutano ndicho chikonzero iwe unofanirwa kuzviziva nemashoko pamusoro pehutungamiri hwako, kuziva kuti chii chaunotora iwe uchibhadhara zvakakwana kana zvishoma. Mari yekubhadhara inowanzobatanidzwa nechiremba anoshanyira uye apo inotenga mishonga yemishonga. Vamwe vanhu vanofunga kuti kubhadhara kubhadhara kwakafanana ne deductible asi nzira iyo yekubhadhara mari uye basa rakakonzerwa rakasiyana.
Tsanangudzo yeDeductible mu Health Insurance
Iko kunotarirwa kunoreva huwandu hwemari iyo inshupiri inobhadhara pamberi pehutano hwehutano hwehutano huchatanga kuvhara mari.
Muenzaniso weDeductible mu Health Insurance
John ane $ 50 yakabviswa pamagariro ezvokudya zvemazino emurairo wake. Bhiriro rake rine $ 475, paanoendesa kudai kune kambani ye inshuwarisi, vanongomupa $ 425 nokuti ndiye ane mhosva ye $ 50 yekutanga mari. Mwedzi mushure mokunge ane imwe musangano pamwe nechiremba wemazino. Zvinomutengesa imwe $ 475. Zvisinei, nokuti akatobhadhara gore rinotapudzwa, vanomubhadhara kwe $ 475 yose. Muenzaniso uyu haubatanidzi co-inshuwarisi sezvo zvichireva kuratidza chete chikamu chekudzikinura. Kana imwechete iyo yakabhadharwa inobhadharwa, haichazoshandisizve kusvikira mutemo mutsva.
Deductibles haishandisi kune zvese zvakabatanidzwa muhutano hwehutano inshuwarheni nenzira imwechete uye inogona kusiyanisa pakati pezvinyorwa zviri pamutemo iwoyo. Semuenzaniso munhu angave ane zero yakakonzerwa pane zvaakaratidzwa, asi $ 50 inobviswa pane meno, uye hapana kubviswa pamishonga. Iyo deductible inowanzotaurwa semwaka wegore kuitira kuti apo mutemo unodzokorora, iyo inobviswa inogona kunge ichiita zvakare. Mamwe mabasa, sechiremba anoshanyira, anogona kuwanika pasina kusangana nekutanga kubviswa. Kazhinji pane zvakasarudzwa zvakasiyana nemari yakakosha uye mhuri yose inokonzerwa nemari.
Tsanangudzo yeDual Coverage
Zvose zvinoparidzirwa ndezvokuti iwe unopihwa nehutano hwehutano hwehutano, kana huwandu hwehutano hwehutano hwehutano hwakafanana nemazino, semuenzaniso. Munhu angave akafukidzwa pasi pehutano hwehutano hwehutano asi kazhinji anongova wekutanga kunyora kune mumwe wavo. Mutungamiri mukuru ndiye anonyanya kutumidzwa bhizinesi pamutemo. Mutevedzeri wekutakura ishi yekambani ye inshuwarisi yehutano iyo inokusimbisa sewekutanga kunyora. Kusiyanisa kwekuti ndiani wekutanga wekupa mupiro anova akakosha pakubatanidzwa kwezvipo nekuti pasi pekubatanidzwa kwezvakabatsire mutori wekutakura anotakura zvinotarisirwa kuita mari. Kana munhu ari wekutanga kunyora mubhuku rinopfuura rimwe chete rekubatsira, ipapo mitemo pasi pekubatanidzwa kwezvibvumirano inoshandiswa kuti ione urongwa hwokuti mubhadhadzi wega wega aizoripi. Onawo: Kugadziriswa kwezvipo zvemuenzaniso.
Kubatsira kweDual Coverage
Sezvinoratidzwa mumuenzaniso 3 pamusoro apa, kana munhu akafukidzwa pasi pehutano hwehutano hwehutano, vanomira kuti vawane nokuti apo mukuru wevatakuri vanorega kubhadhara, somuenzaniso ne co-inshumo clause, zvino wechipiri anotakura anogona kupinda uye obhadhara kusiyana. Izvi zvinogona kubva kune vanyori vasina chekubhadhara, iyo inobatsira zvikuru.
Tsanangudzo yekusabatwa
Izvo zvinokonzerwa ndizvo zvinhu izvo inishuwarenzi haingazovharidzi.
Tsanangudzo yeNyasha Nyaya
Utano Hwepahutano Grace Period ndiyo nguva yenguva yekambani yehushuwarisi ichapa muiti wehurumende kuti abhadhe premium yehutano yepayimusi mushure mekufanirwa zuva risati rapera bhuzinesi risingazobviswa kana kuonekwa sechinhu chisina chazvinobatsira. Utano hwehutano hwehutano humwe hwakasiyana, iva nechokwadi uye chengeta mazwi aya mukonesi yako. Chenjerera, kambani yeInishuwarenzi ingasarudza kusabhadhara mari yekubhadhara kwezvikwereti mukati memunzoro kusvikira mutero unobhadharwa.
ObamaCare Nyaya Nguva
Maererano neAAA, pasi peBobamacare kana ye Affordable Healthcare Act (ACA) vanhu vanowana mari yepamusoro yehutano yepamusoro uye vasingabhadhari mari yemishonga yehutano yehutano yakakwana inopinda muzuva remazuva makumi mapfumbamwe, kana vakaripa mwedzi mumwechete we mutemo wavo. Kana vasingabhadhari miriyamu yavo yakazara mukati mezuva 90 remutsa wenyasha, ipapo kugoverwa kwavo kunogona kubviswa zvakare kune zuva rokupedzisira remwedzi wokutanga wenguva yenyasha. Kana vane chikwata mumwedzi wechipiri kana wechitatu, nguva yenyasha isati yapera vasati vabhadhara, inshuwarisi yehutano ingarega kubhadhara chikwereti kusvikira kubhadhara kwatorwa zvizere, uye ingobhadhara mari iyo kubhadharwa kuripo kwakagamuchirwa mukati meyasha nguva. Zvisinei, kubhadhara kunofanira kuitwa musati wapera nguva yenyasha kana kubvuma kunogona kurambwa.
Tsanangudzo yeHupenyu Time Maximum
Iyi ndiyo yakawanda yemari inishuwarenzi yehutano ichabhadhara hupenyu hwose. Ngwarira kune mumwe munhu maupenyu maximums uye mhuri yemhuri maximums sezvaanogona kunge akasiyana.
Tsanangudzo yeKu-ye-Pocket
Kunze kwehomwe kunoreva kuti inshuo inodhura. Imari yekutora mari inogona kureva kuti mari yekubhadhara, kubhadharwa, kana kubviswa chii. Uyewo, kana izwi rinenge risati rashandiswa gore negore risati rapera, iro rinoreva kureva kuti bhizimisi raizobhadhara sei gore rose kubva muhomwe yavo, kusina zvikwereti.
Tsanangudzo yeMamiriro Ekutanga Akavapo
Chimwe chiitiko chisati chavapo chiri chirwere chehutano chokuti inshuta yakanga isati yatanga inishuwarenzi yakatanga. Zvimwe zvirongwa zvicharatidzika mamiriro ezvinhu akambovapo apo vamwe vangavaisa zvachose. Mamiriro ezvinhu akambovapo anogona dzimwe nguva ave pasi pekumirira asati aputirwa, dzimwe nguva ivo vanobviswa zvachose.
Tsanangudzo yekumirira Nguva
Iyi ndiyo nguva iyo munhu aifanira kumirira kusvikira humwe hutano hwehutano huripo huripo.