Yini okudonswayo?
Ukuchazwa Kwezempilo KenkampaniKwesinye isikhathi amagama wokunakekelwa kwezempilo angabonakala njengolimi oluhluke ngokuphelele. Ngamazwi afana nalawa ikopay , ebanjwayo , futhi okuphezulu ephaketheni uphonswa nxazonke, kufanele wazi kanjani ukuthi yini? Yilapho uchungechunge lwethu lwe-Healthcare Defined lungena khona. Siphula imigomo yokumbozwa komshuwalense ukuze uqonde-futhi ngokuqonda, kuza ukonga okungcono.
Ake siqale ngegama elisetshenziswa kakhulu ebanjwayo . Yini okudonswayo? Kalula nje, kudonswa inani lemali okufanele ulikhokhe ephaketheni lezinsizakalo zezempilo — okubandakanya ukuhlolwa, ukuhlinzwa, nemithi kadokotela — ngaphambi kokuba inkampani yakho yomshuwalense wezempilo ikhokhele noma yiziphi izindleko zezokwelapha.
Igama elithi deductible alisetshenziselwa umshwalense wezempilo kuphela, kepha futhi nomshuwalense wezimoto noma izinhlelo zomshuwalense wasekhaya. Inani elidonsiweyo liyahlukahluka kuye ngokuthi ukhetha umshwalense onjani futhi uvamise ukusetha kabusha minyaka yonke ngoJanuwari. Kwabanye abantu, inani elidonswayo lisethwe nguhulumeni noma uhulumeni wesifundazwe, njengoba kunjalo nge-Medicare.
Ukudonswa kwemali kwakho kungenye yezindleko ezimbalwa ezihambisana nokuba kwakho nomshuwalense wezempilo, ngaphezu kwama-copays noma i-coinsurance, kanye ne-premium yakho yanyanga zonke, okuyilapho inkampani yakho yomshuwalense ikukhokhisa ukuthi ubambe iqhaza kuhlelo. Uma usohlelweni olunikezwe umqashi, i-premium yakho yanyanga zonke ingakhishwa kumholo wakho. Uma ungumuntu one-Medicare, i-premium yakho ingagodlwa ngokuzenzakalela kusuka kwisheke yakho yanyanga zonke Yezokuphepha Komphakathi.
Yini iphuzu lomshuwalense odonswayo?
Ama-deductibles asiza ukugcina izindleko zokuba nomshuwalense wezempilo ongabizi kakhulu ngokuba nabaninipholisi bakhokhele izinqubo ezijwayelekile kanye nezimangalo ezincane zomshwalense ezingaphandle ephaketheni ekuqaleni konyaka, ngenkathi izinkampani zomshuwalense zikhokhela izinqubo zokunakekelwa kwezempilo ezinkulu, ezibiza kakhulu ngemuva kokutholwa kokudonswa kwemali. Lapho imali yakho edonsiwe iphezulu, uvame ukukhokha imali ekhokhwa njalo ngenyanga. Ngenxa yokuthi inkampani yomshuwalense ekuqaleni ikhokha kancane izimangalo zakho nge-deductible ephezulu, ingakwazi ukukhokhisa imali ephansi yanyanga zonke. Inani lokhishwa kwepulani ngalinye lisethwe yinkampani yomshuwalense, noma uhulumeni, kuya ngohlobo lomshuwalense wezempilo onawo.
Ngabe ama-deductibles asebenza kanjani?
Ukuqonda ukuthi i-deductible isebenza kanjani kungaba yinkohliso. Ake sithi uhlelo lwakho lomshuwalense wezempilo lubandakanya ukudonswa kwemali engu- $ 1,000. Lokho kusho ukuthi kufanele ukhokhe u- $ 1,000 ngezindleko zakho zokwelashwa (kunoma yimuphi unyaka onikeziwe) ngaphambi kokuba inkampani yakho yomshuwalense iqale ukukhokha ezinye zezindleko zakho zokunakekelwa kwezempilo. Amakhophi (ama-copays) awajwayele ukusetshenziswa ekubanjweni kwakho; kuyehluka ngohlelo uma inkokhelo yokuvakashelwa odokotela nemithi kadokotela ibheka ekubanjweni kwakho noma cha.
Ngakho-ke, ngemuva kokuthi ungene futhi wakhokha leyo $ 1,000, inkampani yakho yomshuwalense izokusiza ukumboza noma yiziphi ezinye izindleko. Lezi zindleko kungaba umsebenzi webhu, izinqubo ezisehhovisi, noma ukuhlinzwa. Kwesinye isikhathi abantu futhi banesibopho ukuqinisekiswa kwemali , okuyiphesenti elikhokhelwa ngumthengi lezindleko zokunakekelwa kwezempilo imvamisa ngemuva kokuhlangabezwa kokudonswayo.
Uma ukuDokotela, ungezwa ibinzana lingaphansi kokudonswa. Lokhu kusho ukuthi izindleko ezilinganiselwayo zikadokotela azinaki ukuthi ngabe ushaye imali yakho engadonselwayo yonyaka noma cha. Ezinye izinsizakalo kungenzeka zingabi ngaphansi kokudonswa kwemali futhi zizokhokhelwa u-100% ngumhlinzeki wakho womshuwalense ngisho nangaphambi kokushaya imali yakho ekhishwayo. Lezi zinsizakalo zivame ukufaka ukunakekelwa kokuvikela, njengemithi yonyaka noma imigomo ejwayelekile. Abanye bangadinga ukuthi ukhokhe okuningi ephaketheni uma ungashayanga imali yakho ekhishwayo yonyaka wekhalenda.
Kusho ukuthini ukudonswa kwemali kuwe?
Lapho ubhalisela umshwalense wezempilo, thatha isikhashana ucabange ngedeductible oyikhethayo. Izinhlelo zezempilo ezikhokhelwa kakhulu zivame ukuza namaprimiyamu aphansi nyangazonke futhi ama-deductibles aphansi ngokuvamile eza namaprimiyamu aphezulu.
Uma uthola ukuthi uvakashela kakhulu kudokotela ngonyaka, cabanga ngedeductible ephansi, uhlelo oluphakeme lwe-premium njengoba uzoshaya imali yakho edonswa kancane ngokushesha futhi uhlelo lwakho luzokhokha izindleko zakho eziningi. Uma uhlangabezana nezinkinga ezithile zezempilo noma ungazange uhlangabezane nemali yakho ebanjwayo ngonyaka owedlule, cabanga ngohlelo oluphakeme oludonselwayo, oluphansi lwe-premium ukuthola inani elingcono lemali yakho.
Ukucatshangelwa kwemali ekhokhwayo ye-premium neyedonsi kuphakathi kwezinto eziningi okufanele ucabange ngazo lapho ukhetha uhlelo. Kufanele futhi ucabangele ukuthi odokotela bakho bayabamba iqhaza kwinethiwekhi yohlelo, nokuthi izinsizakalo ezithile zezokwelapha ozifunayo ziyahlanganiswa yini, phakathi kokunye ukukhathazeka.
OKUSHIWO: Izinsizakalo zezempilo ezi-5 okufanele uzenze ngemuva kokuhlangabezana nokudonswa kwemali yakho
Ungayonga kanjani imali emalini edonswa ngumshwalense wezempilo
Izinhlelo zokunakekelwa kwezempilo ezingabizi kakhulu ziyatholakala, kepha ziyahlukahluka ngezwe nangeholo. Abanye abantu bangafanelekela ukuthola izinzuzo zomphakathi ezingahle zehlise noma ziqede ukudonswa kwemali. Kubantu abangalufanelekele lolu xhaso, izinhlelo zomshuwalense ezinikezwa umqashi ngokuvamile zinikela ngezindleko ezingcono kakhulu, njengoba wehlukanisa izindleko nomqashi wakho. Ukuthola eminye imininingwane ngezinketho ezingcono kakhulu zomshuwalense wezempilo kubantu abazisebenzelayo, bheka lapha .
Enye indlela yokonga ukubhala izindleko zezokwelapha kuzintela zakho. Kusukela ngo-2019, kukhona ifayela le- ukuncishiswa kwezindleko zezokwelapha . Uma uhlanganisa inani ledola lazo zonke izikweletu zezokwelapha futhi zilingana ngaphezu kuka-7.5% wemali yakho engenayo yonyaka, ungakwazi ukubakhipha enteleni yakho. Okuwukuphela kwezinto ezingadonswa izindleko ezingaphandle kwamaphakethe ezingazange zikhokhelwe umshwalense wakho wezempilo.
Akunandaba ukuthi inani lemali yakho likhishwe, Okufanayo unikeza ukonga kwimithi kadokotela. Mane ufune umuthi wakho bese uqhathanisa intengo yethu nenani lemali noma i-copay yomshuwalense wakho. Qala ukonga namuhla!
