Injodzi yehutano inshuwarano inorehwa semari yekuchengetedza mari mumatare kana iwe uine dambudziko rehutano. Hazvizobhadhara zvinetso zvezuva nezuva zvehutano, asi zvichabhadhara kana iwe une mari inodhura zvikuru yeutano hwekuda. Nemhaka yeizvi, zvirongwa zvehutano zvinotyisa zvinowanzobhadhara zvishoma kune dzimwe zvirongwa zvehutano.
Kana iwe uchida hutano yveshuwarisi iyo ichabhadhara pane zvido zvehutano zvakadai seprained ankles uye chirwere, chirongwa chakaipa hachisi iwe.
Kana iwe uchikwanisa kubhadharwa nehutano hwehutano hwako uye unoda chete hutano hwehutano inshumo kuti ufukidze iwe muitiko wehutano hwehutano sezvinodiwa nekuvhiyiwa kwekukurumidzira, ipapo kuparadza kunogona kunge kuri izvo zvauri kutsvaga.
Gore rinokonzerwa nehutano hwehutano inshuwarheni yakakwirira kwazvo zvokuti vanhu vazhinji vane utano havangamboiripo; gore richange rapera vasati vambopedza izvozvi pahutano hwehutano. Zvisinei, kana iwe une mari inodhura yezvoutano hwehutano, chirongwa chinotyisa chichapinza mukati uchitanga kubhadhara mushure mekunge iwe wakabhadhara guru rakakonzerwa.
Izwi rokuti "njodzi" rinowanzoshandiswa kurondedzera hurongwa hupi hwehutano hwakakosha. Asi pasi peCount Affableable Care Act, inenge yakarongeka yeurongwa, yakasiyana kubva kune dzimwe dzakasarudzwa zvakakosha.
Chii Chinorondedzera Chirwere Chetano Hwakaipa?
Injodzi yehutano yveshuwarhu yakapiwa pa Affordable Care Act yehutano hwekushandiswa kweishuwarisi (uye kunze kwekutengeserana )
- Ane yakanyanya kukwaniswa.
- Inovhara zvose zvakakosha zvoutano.
- Mienzaniso inogona kunyora. Haasi munhu wese akakodzera kutenga chirongwa chakaipa.
- Haikwanise kushandiswa nehutano hwehutano inshuwarheni kuti ubatsire kubhadhara mari yemwedzi yepamwedzi.
Zvirongwa zvinotyisa zvakapiwa kune hurumende nehurumende yehutano yekutengesa yveshuwarisi inodhura zvakakosha zvikuru kana ichienzaniswa nemamwe marudzi ezvirongwa.
Somuenzaniso, zvirongwa zvinotyisa zvakapiwa muna 2017 zvine deductible ye $ 7,150 kune mumwe munhu. Zvechokwadi, iyo yakagadziriswa yezvirongwa zvinoparadza yakafanana neyo kunze kwe-pocket yakawanda . Iyo yakakonzerwa nehutano hwehutano hwako huchawedzera gore negore sezvo hurumende inobvumira kuwedzera mukati memahombekombe (muna 2014, yaiva $ 6 350, uye yakakura gore negore kubvira ipapo).
Kana ukambobhadhara zvakakwana kubva muhomwe yako kuti uwane iyo yakagadziriswa, chirongwa chinotyisa chehutano chichatanga kubhadhara mari yako yehutano yakabatwa. Muzviitiko zvakawanda, kana iwe ukagara mu-network , chirongwa chako chinotyisa chichabhadhara 100% yehutano hwako hwehutano hwakavharidzirwa kana iwe wakabhadhara iyo yakabviswa.
Ndezvipi zvakabhadhara mari yekuchengetedza utano? Chirongwa chakaipa chinofanira kuvhara zvakakosha zvinobatsira mune zvehutano izvo zvimwe zvezvirongwa zvehutano zveOmbamacare zvinofanira kuvhara. Somuenzaniso, inofanira kubhadhara zvinhu zvakadai sachiremba anoshanyira, kuongororwa kweropa, kutarisira pamuviri, kuchengetwa kwehutano hwepfungwa nekurapa zvinodhaka. Zvisinei, hazvizotanga kubhadhara kune iyo mibairo kusvikira iwe wakabhadhara yako yakawanda inokonzerwa.
Kune zvipfeko zviviri kune mutemo iwoyo:
- Injodzi yehutano inshuwarheni inofanira kubhadhara kuchengetedza utano hwekuchengetedza kunyange kana iwe usina kubhadhara yako yakabviswa. Izvi zvinosanganisira zvinhu zvakadai segore rako rinopfurikidza nekurwisana , kufungidzira mammogram , mukadzi anofanirwa kushanyira, uye kubata pamuviri .
- Dambudziko rehutano hwehutano hunofanira kukubhadhara iwe kuti uone wako mukuru wekupa mupiro katatu pagore usingatori chikwereti chekutanga.
Vanhu vamwe chete vanokwanisika kutenga utachiona hwehutano hwehutano hwakatengeswa paChipatisheni Chakanaka Chakanaka chekuchengetedzwa kwehutano inshuwarano. Iwe unofanirwa kunge uri pasi pezera remakore makumi matatu, kana uine dambudziko rekuregererwa kana kukwanisa kusunungurwa kubva kumutemo weAACA wega chirango. Tsvaga kana iwe uri kukodzera "Iwe Unofanirwa Nehutano Hwokushaya Utano Hwakaipa Here? "
Kana iwe ukakodzerwa nehutano hwehutano inshuwarisi kuti ikubatsire kubhadhara miriyamisi yemishonga yemishonga yehutano yepamwedzi, haugoni kushandisa rubatsiro irworwo nehutano hwehutano hwehutano .
Iwe unofanirwa kutora ndarira, sirivha, ndarama, kana chirongwa cheplatinum kushandisa rupiro. Dzidza zvakawanda pamusoro pevana vanofanirwa kubhadhara inshuwarisi yehutano yehutano uye ndeapi rudzi rwekutsigirwa ruwanika mu " Ndinokwanisa kuwana Rubatsiro Kubhadhara Utano Woutano? "
Zvimwe zvirongwa zvendarira zvinoderedza zvinenge zvakakwirira semapurogiramu anokonzera (uye zvachose kunze kwe-pocket zvinodhura zvakaenzana nevari pane zvirongwa zvinokuvadza), asi hapana kugoverwa kwekutanga kutarisira kushanyira vasati vatsaurwa. Althouh premium rubatsiro haigone kushandiswa pamagadzirirwo akaipa, munhu wechidiki ane hutano uyo asingakodzeri kuwana rubatsiro rwekubhadhara mari angatora chirongwa chakaipa chokugadzirisa zviri nani kupfuura urongwa hwebhuroni.
Bhuku Rinovanzwa Rakaipisisa Utano Inishuwarenzi
Kunyange kana iwe usingashandisi zvakakwana pane utano hwehutano kuti uwane chirongwa chako chakaipa chekurapa, iwe uchari kubhadhara zvishomanana kune kunze kwe-pocket yezvokurapa mari nedambudziko rakaipisisa kupfuura iwe kana usina hutano hwehutano hwehutano zvachose. Purogiramu dzakawanda dzinoparadza ndeye HMO, PPO, EPO, kana chirongwa chePOS . Zvirongwa izvi zvose zvinokurukura mazinga ekuderedzwa nevanachiremba, zvipatara, marabhu, uye ma pharmacy ari munhandare yavo yevashandi. Sekubhadhara kurongwa hwehutano hwehutano, iwe unowana rubatsiro rwezvikwereti izvi zvinotapudzwa kunyange iwe usati wabhadhara yako yakabviswa.
Heino muenzaniso. Ngatiti iwe hauna kusangana nepurogiramu yako yakaipisisa ya $ 7,150 yakabviswa. Iwe unokuvadza chikwama chako uye unoda chikwama X-ray. Rakanho yekodhi ye X-ray yako i $ 200. Pasina njodzi yehutano inshuwalhu yehutano, iwe unofanirwa kubhadhara $ 200 kunze kwehomwe. In-network discount discount yehutano hwemagariro ndeye $ 98. Sezvo iwe uri nhengo yeurongwa hwehutano uchishandisa in-network X-ray nzvimbo, iwe unofanira kungobhadhara $ 98 inoderedzwa. Iwe uchabhadhara $ 102 zvishoma kudarika iwe waizobhadhara kana iwe usina kushandiswa.
Ngwarira Paunenge Watenga Kutengesa Utano Hwepakati
Zviri nyore kuita chikanganiso chekufunga kuti chirongwa chehutano hwehutano inshuwarheni chinhu chakafanana neurongwa hwehutano hwakakosha, kana HDHP. Mushure mezvose, chirongwa chinoparadza chinokonzerwa zvakanyanya, saka inofanira kunge iri chirongwa chakakosha chehutano, iko?
Zvakaipa.
IHHHP yakakodzera inonyanya kurudzirwa yehutano inshuwarheni yakagadzirirwa kushandiswa nekodzero yekuchengetedza utano. Dzidza musiyano pakati peHDHP uye chirongwa chinoparadza, uye chii chingaitika kana iwe ukatenga chirongwa chakaipa paunofunga kuti uri kutenga HDHP.
> Sources:
> HealthCare.gov, Zvakaipa Zvoutano Zvirongwa.