Kunzwisisa zvirongwa zveinishuwarenzi zvehutano

Mazhinji emakambani einishuwarenzi anopa akasiyana marudzi ehurongwa hwehutano. Uye kana iwe uchienzanisa zvirongwa, zvinogona dzimwe nguva kuita senge alfabheti muto. Ndeupi musiyano uripo pakati peHMO, PPO, POS, uye EPO? Vanopa kufukidzwa kwakafanana here?

Iri gwaro kuzvirongwa zvehutano rinogona kukubatsira kuti unzwisise mhando yega yehurongwa. Ipapo iwe unogona nyore nyore kusarudza iyo chaiyo marongero ako iwe nemhuri yako.

Zvichienderana nekuti iwe unowana sei yako inishuwarenzi yehutano, iwe unogona kuve nesarudzo yemhando dzakasiyana dzezvirongwa.

Hutano Kuchengetedza Masangano (HMOs). Aya marongero anopa network yevanopa rubatsiro rwehutano uye mapuramu epasi pemwedzi. Vanopa vane chibvumirano nechirongwa chehutano. Izvi zvinoreva kuti vanobhadharisa mwero wakatarwa wemasevhisi. Iwe uchasarudza wekutanga wekutarisira mupi. Uyu munhu achabata manejimendi ako uye anokuendesa kune nyanzvi. Kana iwe ukashandisa vanopa, zvipatara, uye vamwe vanopa kubva kuchirongwa cheneti, iwe unobhadhara zvishoma kubva muhomwe. Kana iwe ukashandisa vanopa kunze kwenetiweki, iwe uchafanirwa kubhadhara yakawanda.

Vanosarudzika Vanopa Masangano (EPOs). Aya ndiwo marongero anopa ma network evanopa uye mashoma emwedzi mapuramu. Iwe unofanirwa kushandisa vanopa uye zvipatara kubva kunetiweki runyorwa kuti uchengete yako-ye-muhomwe inodhura yakaderera. Kana iwe ukaona vanopa kunze kwenetiweki, yako mitengo ichave yakanyanya kukwirisa. Ne EPOs, haudi wekutanga wekutarisira manejimendi yako nekukupa iwe kutumira.

Vanosarudzika Vanopa Masangano (PPOs). PPOs dzinopa network yevanopa uye nesarudzo yekuona vanopa kunze kwenetwork kune imwe mari. Iwe haudi wekutanga wekutarisira maneja wako kutarisira. Iwe uchabhadhara zvakawanda mumabhadharo echirongwa ichi uchienzaniswa neHMO, asi iwe une yakati sununguko yekuona vanopa mukati nekunze kweneti pasina kudikanwa kwekutumirwa.

Point-ye-Service (POS) Zvirongwa. Zvirongwa zvePOS zvakafanana nePPO. Ivo vanopa zvese mu-network uye kunze-kwe-network mabhenefiti. Iwe unogona kuona chero mu-network vanopa pasina kutumira. Asi iwe unoda kutumirwa kuti uone kunze-kwe-network vanopa. Unogona kusevha imwe mari mumabhizimusi emwedzi nemhando iyi yeurongwa uchienzaniswa nePPO.

Yakakwirira Inobviswa Hutano Zvirongwa (HDHPs). Rudzi urwu rwehurongwa runopa yakaderera pamwedzi maprimiyamu uye epamusoro epagore anoderedzwa. HDHP inogona kunge iri imwe yemhando dzemhando pamusoro neakanyanya kubviswa. Iyo inobviswa ndiyo yakatarwa huwandu hwemari iwe yaunofanira kubhadhara usati inshuwarisi yako yatanga kubhadhara. Kune 2020, HDHPs inobvisirwa madhora chiuru nemazana mana pamunhu uye $ 2 800 pamhuri pagore kana kupfuura. Vanhu vane marongero aya vanowana mari yekurapwa kana kudzoreredza account. Izvi zvinokubatsira iwe kuchengetedza mari yeinobviswa uye imwe kunze-kwehomwe mutengo. Inogona zvakare kukubatsira iwe kuchengetedza mari pamitero.

Mari yebasa (FFS) zvirongwa hazvisi zvakajairika nhasi. Aya marongero anopa rusununguko rwekuona chero mupi kana chipatara chesarudzo yako. Iyo zano rinobhadhara yakatarwa huwandu kune yega sevhisi, uye iwe unobhadhara iyo yasara. Iwe haudi kuendeswa. Dzimwe nguva, iwe unobhadhara kuitira sevhisi kumberi, faira chikumbiro, uye chirongwa chinokudzorera iwe. Ichi chirongwa chinodhura cheinishuwarenzi chehutano kana chisinga sanganisira network kana PPO sarudzo.

Zvirongwa zvine njodzi kupa mabhenefiti ezvekutanga masevhisi uye chikuru chirwere kana kukuvara. Vanokudzivirira kubva pamutengo wenjodzi huru kana kurwara. Aya marongero haana kufukidzwa kwakanaka kune vanhu vane matambudziko ehutano avo vanoda kuchengetwa kana kuongororwa bvunzo. Unogona chete kutenga yakaipa hurongwa kana iwe uri pasi pemakore makumi matatu emakore kana unogona kuratidza kuti haugone kubhadhara kufukidzwa kwehutano. Maprimiyamu emwedzi nemwedzi akaderera, asi zvakaderedzwa zvezvirongwa izvi zvakakwirira kwazvo. Semunhu wega, yako inobvisirwa inogona kunge ingangoita madhora zviuru zvitanhatu. Iwe unozofanirwa kubhadhara yakakwira inobvisirwa iyo inshuwarisi isati yatanga kubhadhara.

Paunenge uchisarudza chirongwa, funga nezve izvo zvido zvako zvekurapa uye zvaunofarira. Pamusoro peiyo chirongwa cherudzi, ita shuwa kuti iwe unofanidza iwo mabhenefiti, kunze-kwe-muhomwe mari, uye mupi network kune yakaringana kukodzera

AHIP Nheyo. Yevatengi gwaro rekunzwisisa hutano hurongwa maratidziro. www.ahip.org/wp-content/uploads/2018/08/ConsumerGuide_PRINT.20.pdf. Yakasvika Zvita 18, 2020.

Healthcare.gov webhusaiti. Maitiro ekutora chirongwa cheinishuwarenzi chehutano. Hutano inishuwarenzi chirongwa & network mhando: HMOs, PPOs, uye zvimwe. www.utano-news.gov/choose-a-plan/plan-types. Yakasvika Zvita 18, 2020.

Hutano hwehutano.gov.website. Yakakwira yakaderedzwa hutano hurongwa (HDHP). www.paisai-care.gov/glossary/high-deductible-health-plan/. Yakasvika munaFebruary 22, 2021.

Healthcare.gov webhusaiti. Ungasarudza sei hurongwa hweinishuwarenzi yehutano: 3 zvinhu zvekuziva usati watora chirongwa cheinishuwarenzi chehutano. www.pautano-s.gov/choose-a-plan. Yakasvika Zvita 18, 2020.

• Inishuwarenzi yehutano