Ndeupi musiyano uripo pakati peCoinsurance vs.Copays?

Zvemukati

• Kunzwisisa kuti une chikwereti chakadii
• Kunze kwehomwe kunokanganisa sei iwe chikwereti?
• Inishuwarenzi inoshanda sei?
• In-network uye vekunze-ve-network vanopa
• Chinokosha

Mari yeinishuwarenzi

Mutengo weinishuwarenzi yehutano unowanzo sanganisira maprimiyamu emwedzi nemwedzi pamwe nemamwe mabasa emari, akadai secopays uye coinsurance.

Kunyangwe aya mazwi achiita kunge akafanana, aya marongero ekugovana-mutengo anoshanda zvakati siyanei. Heano kuputsika:

• Coinsurance. Iwe unobhadhara yakatarwa muzana (senge makumi maviri muzana) yemutengo webasa rese rezvekurapa raunogashira. Yako inishuwarenzi kambani inoona nezve yasara muzana.
• Copay. Iwe unobhadhara yakatarwa huwandu kune mamwe masevhisi. Semuenzaniso, unogona kubhadhara $ 20 kopi nguva dzese paunoona chiremba wako wekutanga. Kuona nyanzvi kungangoda yakakwira, yakatemerwa copay.

Imwe yekugovana-yekugovana yekutarisa inozivikanwa seinobviswa. Yako yegore inodonhedzwa ndiyo huwandu hwemari yauchabhadhara masevhisi yako inshuwarisi yehutano isati yatanga kutora izvo zvinodhura.

Zvichienderana nehurongwa hweinishuwarenzi yehutano, yako inobvisirwa inogona kunge mazana mashoma kana zviuru zviuru zvemadhora gore rega.

Verenga pamusoro kuti udzidze zvakawanda nezve coinsurance uye copays uye kuti zvinokanganisa sei huwandu hwemari yauchakwereta iwe paunogamuchira rubatsiro rwekurapa.

Kunzwisisa kuti une chikwereti chakadii

Kunzwisisa copays, coinsurance, uye deductibles zvinogona kubatsira kukugadzirira iwe kumabhadhariro ekugamuchira kurapwa.

Dzimwe mhando dzekushanya dzinongoda chete copay. Dzimwe mhando dzekushanya dzinoda kuti iwe ubhadhare muzana yemari yakazara (coinsurance), inoenda kune yako yaunobvisa, pamwe necopay. Kune kumwe kushanya, unogona kubhadharirwa huwandu hwakazara hwekushanya asi usabhadhara copay.

Kana iwe uine chirongwa chinofukidza zana muzana rekushanya-kwakanaka (chegore checkups), iwe unongodikanwa chete kubhadhara yako yakafanotemerwa copay.

Kana chirongwa chako chikangovhara madhora zana takananga kushanyo yakanaka, unenge uine chekuita nekopay pamwe nemari yasara yekushanya.

Semuenzaniso, kana yako copay iri $ 25 uye mari yese yekushanya iri $ 300, iwe unenge uine mutoro we $ 200 - $ 175 ayo angaverengera kune yako inobviswa.

Nekudaro, kana iwe wato sangana neyako yakazara inobvisirwa yegore, saka iwe unenge uchingova wega unoita $ 25 copay.

Kana iwe uine hurongwa hwekusimbisa mari uye warova yako yakazara inobviswa, iwe uchabhadhara chikamu cheiyo mazana matatu emadhora ekushanya zvakanaka. Kana yako coinsurance rate iri makumi maviri kubva muzana, neinishuwarenzi yako ichivhara iyo makumi masere muzana, saka unofanirwa kubhadhara madhora makumi matanhatu. Yako inishuwarenzi kambani yaizovhara iyo yasara $ 240.

Gara uchitarisa nekambani yeinishuwarenzi kuti uone kuti unoziva zvakavharwa uye kuti ndeapi mabasa ako kune akasiyana masevhisi. Iwe unogona zvakare kufonera hofisi yechiremba uye kubvunza nezve inotarisirwa mutengo wekurapwa kwako usati waenda kumusangano wako.

Kunze kwehomwe kunokanganisa sei iwe chikwereti?

Mazhinji zvirongwa zveinishuwarenzi zvehutano zvine izvo zvinonzi "kunze-kwehomwe yakakwira." Ndiyo yakanyanya yauchazobhadhara mugore rakapihwa masevhisi akafukidzwa nezano rako.

Kana uchinge washandisa yako yepamusoro muma copays, coinsurance, uye zvakabviswa, yako inishuwarenzi kambani inofanirwa kuvhara zana muzana yechero mari yekuwedzera.

Ramba uchifunga kuti kunze-kwehomwe totari haibatanidze mari inobhadharwa nekambani yeinishuwarenzi kune chiremba wako kana mumwe mupi wezvehutano. Iyo nhamba ndeye chete mari yawakabhadhara yehutano.

Zvakare, chirongwa cheumwe neumwe chinenge chiine yakanyanya kuderera kunze-kwehomwe yakanyanya kupfuura chirongwa chinofukidza mhuri yese. Ziva nezve mutsauko iwoyo paunotanga kubhajeta yako yemari yekurapa.

Inishuwarenzi inoshanda sei?

Inishuwarenzi yehutano yakagadzirirwa kuchengetedza vanhu nemhuri kubva pamitengo iri kukwira yehutano. Haisi kazhinji yakachipa kwazvo, asi inogona kukuchengetedza mari munguva refu.

Inishuwarenzi inoda mari yemwedzi nemwedzi. Iyi ndiyo miripo yaunoita kukambani yeinishuwarenzi mwedzi wega wega kuitira kuti uve neinishuwarenzi yekuvhara zvinoitika uye zvine njodzi.

Iwe unobhadhara maprimiyamu kunyangwe iwe uchishanyira chiremba kamwe chete pagore kana kupedza mwedzi muchipatara. Kazhinji, iwe unobhadhara yakaderera pamwedzi maprimamisi echirongwa ine yakakwira inobviswa. Sezvo iyo inobvisirwa ichidzika, iwo mwedzi wemitengo unowanzo wedzera.

Inishuwarenzi yehutano inowanzo kupihwa nevashandirwi kune vashandi venguva yakazara. Makambani madiki ane vashoma chete vevashandi vanogona kusasarudza kupa hutano inishuwarenzi nekuda kwemubhadharo.

Iwe unogona zvakare kusarudza kuwana inishuwarenzi yehutano iwe wega kubva kune yakazvimiririra kambani yeinishuwarenzi, kunyangwe iwe uchinge uchishanda nguva yakazara uye uine sarudzo yeinoshandirwa-inotsigirwa inishuwarenzi yehutano.

Paunowana inishuwarenzi yehutano, iwe unofanirwa kugamuchira runyorwa rwemari yakavharwa. Semuenzaniso, kuenda kuimba yekukurumidzira mune amburenzi kunogona kuita $ 250.

Pasi pechirongwa chakadai, kana usati wasangana neyakabvisirwa mari uye ukaenda kukamuri ye emergency mune amburenzi, unofanira kubhadhara $ 250. Kana iwe wakasangana neyako deductible uye amburenzi akatasva akafukidzwa zana muzana, ipapo kukwira kwako kunofanirwa kuve kwemahara.

Mune zvimwe zvirongwa, kuvhiya kukuru kunovharwa pa100 muzana, nepo kuongororwa kana kuongororwa kunogona kungofukidzwa pa80 muzana. Izvi zvinoreva kuti uri mutoro wemakumi maviri muzana asara.

Izvo zvakakosha kuti uongorore copays, coinsurance, uye zvakabviswa pakusarudza chirongwa. Ramba uchifunga nezvehutano hwako nhoroondo.

Kana iwe uri kutarisira kuvhiyiwa kukuru kana kununura mwana mugore rinouya, ungangoda kusarudza chirongwa apo mupi weinishuwarenzi anofukidza chikamu chakakwira cheaya marudzi enzira.

Nekuti haugone kufanotaura tsaona kana ramangwana rehutano, fungawo kuti ungakwanise kubhadhara marii pamwedzi uye kuti ungakwanise kubhadhara zvakadii kana uine hutano husina kutarisirwa.

Ndicho chikonzero nei zvakakosha kuti utarise uye utarise ese emitengo inotarisirwa, kusanganisira:

• inobviswa
• kunze-kwehomwe kunonyanyisa
• mwedzi wepamberi
• copays
• coinsurance

Kunzwisisa izvi zvinoshandiswa kunogona kukubatsira kuti unzwisise huwandu hwemari yaungave uine chikwereti kana iwe uchida akawanda ehutano mabasa mugore rakapihwa.

In-network uye vekunze-ve-network vanopa

Panyaya yeinishuwarenzi yehutano, netiweki muunganidzwa wezvipatara, vanachiremba, uye nevamwe vanopa zvakasaina kuti vasarudzirwe vanopa pane yako inishuwarenzi chirongwa.

Aya ari mu-network vanopa. Ivo ndivo avo inishuwarenzi yako kambani iwe yaunoona iwe.

Kunze-kwe-network vanopa ingori avo vasina kusainwa kuchirongwa chenyu. Kuona vekunze-kwe-network vanopa zvinogona kureva yakakwira kunze-kwe-muhomwe mitengo. Izvo zvinodhura zvinogona kusashanda kune yako inobviswa.

Zvekare, zvakakosha kuti uve nechokwadi chekuti iwe unoziva iyo ins uye kunze kwechirongwa chako cheinishuwarenzi kuti uzive kuti ndiani uye chii chakafukidzwa. Chiremba ari kunze kwenetwork anogona kunge ari mutaundi rekumusha kwako, kana vanogona kunge vari munhu waunoona kana uchifamba.

Kana usina chokwadi kana chiremba waunoda ari mu-network, unogona kufonera mupi weinishuwarenzi kana hofisi yechiremba wako kuti uzive.

Dzimwe nguva vanachiremba vanosiya kana kujoina network nyowani, zvakare. Kusimbisa chinzvimbo chedhokotera chako chiremba usati washanya kwese kunogona kukubatsira kudzivirira mari isingatarisirwi.

Chinokosha

Inishuwarenzi yehutano inogona kunge iri nyaya yakaoma. Kana iwe uine inishuwarenzi kuburikidza newaunoshandira, bvunza kuti ndiani kune waunoshandira ari munhu wekubvunza mibvunzo. Kazhinji mumwe munhu mubazi rezvevashandi, asi kwete nguva dzose.

Yako inishuwarenzi kambani inofanirwa zvakare kuve nedhipatimendi rebasa revatengi kupindura mibvunzo yako.

Izvo zvakakosha zvinhu zvekuchengetedza mupfungwa kana uchitanga chirongwa cheinishuwarenzi kuziva:

• mari yako yese
• kana hurongwa hwako hwatanga kushanda (akawanda einishuwarenzi akaronga kuchinja pakati pegore)
• ndeapi masevhisi akafukidzwa uye nemarii

Unogona kusaronga pakuvhiya kukuru kana kukuvara, asi inishuwarenzi inogona kubatsira kudzikisa mutoro wezvemari kana ukawana dambudziko hombe rekurapa.