Ukuqonda iindleko zakho zokhathalelo lwempilo

Zonke izicwangciso zeinshurensi yezempilo zibandakanya iindleko zokuphuma epokothweni. Ezi ziindleko ekufuneka uzihlawule ngokhathalelo lwakho, ezinje ngeemali ezikhutshiweyo kunye nezinto ezitsaliweyo. Inkampani yeinshurensi ihlawula yonke intlawulo. Kuya kufuneka ukuba uhlawule iindleko zokuphuma epokothweni ngexesha lotyelelo lwakho. Abanye banokuhlawulwa kuwe emva kotyelelo lwakho.

Iindleko zokuphuma epokothweni zivumela izicwangciso zempilo ukuba zabelane nawe ngeendleko zonyango. Banokukunceda bakukhokele ukuba uthathe izigqibo ezifanelekileyo malunga nokuba uza kukhathalelwa phi kwaye nini.

Xa ukhetha isicwangciso sempilo, kuya kufuneka uqonde ukuba iindleko zakho zokuphuma epokothweni zinokuba yintoni. Ngale ndlela, unokucwangcisa kwangaphambili malunga nento onokuyisebenzisa ebudeni bonyaka. Unokwazi nokujonga iindlela zokonga imali kwiindleko eziphuma epokothweni.

Iindaba ezimnandi zikhona umda wokuba ungakanani ekufuneka uhlawule ngaphandle kweepokotho. Isicwangciso sakho "siphezulu epokothweni." Nje ukuba ufikelele kweso sixa, awuyi kuhlawula iindleko ezingaphezulu epokothweni zonyaka.

Kuya kufuneka uhlawule ipremiyamu yenyanga, nokuba zithini na iinkonzo ezisetyenziswayo.

Zonke izicwangciso zahlukile. Izicwangciso zinokubandakanya zonke okanye ezinye zeendlela zokwabelana nawe ngeendleko:

• Ikopi. Le yintlawulo oyenzayo kutyelelo oluthile lwenkathalelo yempilo kunye nemigqaliselo. Yimali ebekiweyo, njenge- $ 15. Isicwangciso sakho sinokubandakanya ukuhlawulwa kwemali eyahlukeneyo (ikopay) yexabiso leziyobisi ezikhethiweyo xa kuthelekiswa neziyobisi ezingakhethwanga. Oku kunokuvela kwi- $ 10 ukuya kwi-60 yeedola okanye ngaphezulu.
• Ukutsalwa. Esi sisixa esipheleleyo ekufuneka uhlawule ngaso ngeenkonzo zonyango ngaphambi kokuba i-inshurensi yakho yempilo iqale ukuhlawula. Umzekelo, unokuba nesicwangciso esinokutsalwa kwi-1,250 yeedola. Uya kudinga ukuhlawula i-1,250 yeedola epokothweni ngexesha lonyaka wesicwangciso ngaphambi kokuba inkampani yakho yeinshurensi iqale ukwenza iintlawulo.
• UQinisekiso. Le yipesenti oyihlawulayo kutyelelo ngalunye okanye kwinkonzo nganye. Umzekelo, izicwangciso ezingama-80/20 ziqhelekile. Ngesicwangciso sama-80/20, uhlawula ama-20% eendleko kwinkonzo nganye oyifumanayo. Isicwangciso sihlawula ama-80% aseleyo endleko. I-Coinshurensi ingaqala emva kokuba uhlawule irhafu yakho. Gcina ukhumbula ukuba isicwangciso sakho sinokufikelela kumyinge ovumelekileyo kwiindleko zenkonzo nganye. Ngamanye amaxesha ababoneleli bahlawulisa ngaphezulu, kwaye kuya kufuneka uhlawule loo mali ingaphezulu kunye ne-20% yakho.
• Ubuninzi bepokotho. Eli lelona xabiso liphezulu lokuhlawulwa ngokudibeneyo, okuxhuzulweyo, kunye noqinisekiso lwemali ekufuneka uyihlawule kunyaka wesicwangciso. Nje ukuba ufikelele kwinqanaba eliphezulu lokuphuma epokothweni, isicwangciso sihlawula i-100%. Awusayi kuphinda uhlawule i-coinsurance, i-deductibles, okanye ezinye iindleko eziphuma epokothweni.

Ngokubanzi, awuhlawuli nto ngeenkonzo zokuthintela. Oku kubandakanya amayeza okugonya, utyelelo lwaminyaka le, ukuthathwa ngumkhuhlane, kunye nokuvavanywa kwezempilo.

Kuya kufuneka uhlawule ezinye zeendleko zokuphuma epokothweni:

• Unonophelo olungxamisekileyo
• Unonophelo lwangaphakathi
• Ukutyelelwa ngababoneleli ngesifo okanye ukonzakala, njengosulelo lwendlebe okanye idolo
• Unonophelo lweengcali
• Ukujonga okanye utyelelo lokuqonda isifo, njengee-x-reyi okanye ii-MRIs
• Rehab, unyango ngokwasemzimbeni okanye emsebenzini, okanye ukhathalelo lwe-chiropractic
• Impilo yengqondo, impilo yokuziphatha, okanye ukhathalelo lweziyobisi
• I-Hospice, impilo yasekhaya, ukonga oqeqeshiweyo, okanye izixhobo zonyango ezizinzileyo
• Amachiza amiselweyo
• Ukunyamekelwa kwamazinyo kunye neliso (ukuba kubonelelwa sisicwangciso sakho)

Khetha uhlobo olufanelekileyo lwesicwangciso sezempilo ngokusekwe kwindawo okuyo, impilo kunye nolunye ukhetho. Yazi izibonelelo zakho, ezinje ngendlela ezinxibelelana ngayo nokutyelelwa kwamagumbi kaxakeka kunye nabanikezeli benethiwekhi.

Khetha umboneleli okhathalelayo ophambili okunceda ukukhokela kuvavanyo kunye neenkqubo ozifunayo kuphela. Buza kwakhona malunga namaziko aphantsi kunye namayeza.

Ukuqonda iindleko zakho zokhathalelo lwempilo kunokukunceda wonge imali xa ulawula ukhathalelo lwakho.

Indawo yezempilo.gov iwebhusayithi. Ukuqonda iindleko zeinshurensi yezempilo kwenza izigqibo ezingcono. www.healthcare.gov/blog/understanding-health-care-care-costs/. Ukuhlaziywa ngoJulayi 28, 2016. Ifikeleleke ngoNovemba 1, 2020.

HealthCare.gov iwebhusayithi. Ukuqonda ukhuseleko lwakho lwezempilo. Lwezempilo.gov/blog/ukuqonda-your-health-coverage. Ukuhlaziywa kukaSeptemba 2020. Ifikeleleke ngoNovemba 1, 2020.

HealthCare.gov iwebhusayithi. Iindleko zakho zizonke zokhathalelo lwempilo: ipremiyamu, ukutsalwa kunye nokuphuma epokothweni iindleko. Lwezempilo Health.gov/choose-a-plan/your-total-costs. Kufunyenwe ngoNovemba 1, 2020.

• I-inshorensi yempilo