Kunzwisisa yako yehutano mitengo

Zvese zvirongwa zveinishuwarenzi zvehutano zvinosanganisira kunze-kwe-muhomwe mari. Iyi ndiyo mari yaunofanirwa kubhadhara kune yako yekutarisira, senge macopayments uye zvakabviswa. Iyo inishuwarenzi kambani inobhadhara iyo yasara. Iwe unofanirwa kubhadhara zvimwe zvekunze-kwehomwe mutengo panguva yekushanya kwako. Vamwe vanogona kubhadhariswa kwauri mushure mekushanya kwako.

Kunze kwehomwe-mitengo inobvumira zvirongwa zvehutano zvekugovana zvokurapa nazvo newe. Vanogona zvakare kubatsira kukutungamira iwe kuti uite sarudzo dzakanaka nezvekuti uye kupi kwekuchengetwa.

Paunosarudza chirongwa chehutano, iwe unofanirwa kunzwisisa kuti yako yekunze-kwehomwe mari inogona kunge iri. Nenzira iyi, unogona kuronga kumberi kune izvo zvaungangoda kushandisa mukati megore. Iwe zvakare unogona kukwanisa kutsvaga nzira dzekuchengetedza mari pane kunze-kwe-muhomwe mari.

Nhau dzakanaka ndedzekuti pane muganho kune yakawanda mari yaunofanirwa kubhadhara kunze-kwehomwe. Zano rako rine "kunze-kwehomwe yakanyanya." Ukangosvika pamari iyoyo, haufanire kubhadhara mari yekunze-yehomwe yegore.

Iwe uchatofanira kubhadhara mari yemwedzi wega wega, zvisinei kuti ndeapi masevhisi anoshandiswa.

Zvirongwa zvese zvakasiyana. Zvirongwa zvinogona kusanganisira zvese kana dzimwe chete dzenzira idzi dzekugovana mutengo newe:

• Copayment. Uku ndiko kubhadhara kwaunoita kune vamwe vanoona nezvehutano kushanyirwa uye mishonga. Iyo yakatarwa huwandu, kunge $ 15. Zano rako rinogona zvakare kusanganisira akasiyana macopayment (copay) zviyero zveanosarudza vs. asingasarudzwe madhiragi. Izvi zvinogona kubva pamadhora gumi kusvika pamadhora makumi matanhatu kana kudarika.
• Inobviswa. Iyi ndiyo yakazara mari yaunofanirwa kubhadhara kune ekurapa masevhisi usati yako inishuwarenzi yehutano yatanga kubhadhara. Semuenzaniso, unogona kunge uine chirongwa chine $ 1,250 inobviswa. Iwe unozofanirwa kubhadhara $ 1,250 kunze-kwehomwe mukati megore rehurongwa kambani yako yeinishuwarenzi isati yatanga kubhadhara.
• Coinsurance. Iyi ndiyo muzana yaunobhadhara kushanya kwega kwega kana sevhisi. Semuenzaniso, 80/20 zvirongwa zvakajairika. Kune chirongwa che80 / 20, iwe unobhadhara makumi maviri kubva muzana emutengo webasa rega raunogashira. Iyo hurongwa inobhadhara iyo yasara 80% yemutengo. Coinsurance inogona kutanga mushure mekunge iwe wabhadhara yako inobvisirwa. Ramba uchifunga kuti chirongwa chako chinogona kuve nemuganho unobvumidzwa pamutengo wega wega webasa. Dzimwe nguva vatapi vanobhadharisa zvimwe, uye iwe ungatofanira kubhadhara iyo yakawanda mari pamwe neako 20%.
• Kunze kwehomwe kunonyanyisa. Iyi ndiyo yakanyanya kuwanda mari yemubhadharo, inobvisirwa mari, uye iko kusimbiswa kwauchazofanira kubhadhara mugore rehurongwa. Paunenge iwe wasvika yako yekunze-kwehomwe yakanyanya, chirongwa chinobhadhara 100%. Iwe hauchazofaniri kubhadhara coinsurance, zvakabviswa, kana zvimwe zvekunze-kwehomwe mari.

Muzhinji, iwe haubhadhare chero chinhu pamabasa ekudzivirira. Izvi zvinosanganisira majekiseni, kushanya kwegore negore, kurwara nefuru, uye kuongororwa kwehutano.

Ungangoda kubhadhara imwe nzira yekubuda-kwehomwe mari ye:

• Kuchengetedzwa kwechimbichimbi
• Kuchengetwa kwevanorwara
• Mupi wekushanya kwechirwere kana kukuvara, senge hutachiona nzeve kana kurwadziwa kwemabvi
• Kuchengetedzwa kwenyanzvi
• Kufungidzira kana kuongorora kushanya, senge x-ray kana MRIs
• Rehab, yepanyama kana yekurapa kurapwa, kana chiropractic kutarisirwa
• Hutano hwepfungwa, hutano hwehunhu, kana kushandisa zvinodhaka
• Hospice, imba hutano, hunyanzvi hwekuyamwisa, kana yakasimba mishonga yezvokurapa
• Mishonga yemishonga
• Mazino uye ziso kutarisirwa (kana kupihwa nehurongwa hwako)

Sarudza iyo chaiyo mhando yehutano hurongwa zvichienderana nenzvimbo yako, hutano, uye zvimwe zvaunofarira. Svika pakuziva mabhenefiti ako, sekuti anoenderana sei nekushanya kwemakamuri ekukurumidzira uye vanopa network

Sarudza wekutanga wekuchengeta uyo anokubatsira kukutungamira kune chete bvunzo uye maitiro aunoda. Bvunzawo nezve zvivakwa zvemutengo wakaderera nemishonga.

Kunzwisisa ako ehutano ekurarama kunogona kukubatsira iwe kuchengetedza mari kana uchichengeta yako yekutarisira.

Healthcare.gov webhusaiti. Kunzwisisa mari yeinishuwarenzi mari kunoita sarudzo dzakanaka. www.utano-news.gov/blog/understanding-health-care-costs/. Yakagadziridzwa Chikunguru 28, 2016. Yakasvika munaNovember 1, 2020.

HutanoCare.gov webhusaiti. Kunzwisisa hutano hwako hwekuvhara. www.utano-global.gov/blog/ kunzwisisa-your-health-coverage. Yakagadziridzwa Nyamavhuvhu 2020. Yakasvika munaNovember 1, 2020.

HutanoCare.gov webhusaiti. Yako yakazara mari yehutano: premium, inobviswa uye kunze-kwehomwe mutengo. www.zvehutanocare.gov/choose-a-plan/your-total-costs. Yakasvika munaNovember 1, 2020.

• Inishuwarenzi yehutano