Chii Chinonzi Supplemental Health Insurance?
Supplemental yehutano yveshuwarisi ndeye-add-on inshuwarisi yenzira yakagadzirirwa kuwedzera yako yakazara , hukuru-hwehutano hwehutano inshuwarisi. Inobatsira kuzadza zvipembenene mukuchengetedza kwemari inowanikwa kubva kune yako huru-yehutano yehutano inshuwarisi.
Mhando dzeAddingal Health Health
Kune marudzi akawanda ekuwedzera inshuwarano yehutano inshuwarheni, uye rumwe rudzi runoshanda zvakasiyana.
Zvimwe zvezvinowanzovhiringidza zvehutano hwehutano huri:
Zvirwere-Zvimwe Zvirongwa
Disease-specific supplemental yehutano inshuwarano zvirongwa dzinobhadhara mari yakawanda mushure mekunge maonekwa kuti mune chirwere chakasiyana. Semuenzaniso, inshuwarisi yekenza ichabhadhara apo iwe wakamboonekwa une rudzi rwekenza yakanyorwa mumutemo.
Kusiyana neshuwarhu yehutano kana Medigap zvirongwa, chirongwa chinorwara nehutachiona chinopa mari yekusvitsa mari inobatsira iwe pachako, kwete kumutano wako wehutano . Iwe unogona kuishandisa kune chero chaunofarira uye hausungirwi kuti uishandise kubhadhara zvikwereti zvemishonga. Vanhu vazhinji vanoshandisa iyo kuti vabatsire nemari inobatanidza nechirwere chakadai sekopi, zvidhakwa, uye kutakura uye mari yekugara apo kuenda kuchikoro chekuyunivhesiti kana kuchikoro chekuchengetwa kwepamusoro. Zvisinei, kana iwe uchida kuishandisa kuti utenge Harley Davidson panzvimbo iyo, sarudzo ndeyako.
Zvirongwa zvezvirwere ndezvorudzi rwehutano huripo husingagadziriswi, hunoreva kuti mari yakawanda iyo inishuwarenzi ichabhadhara yakagadziriswa; hazvina kusiyana maererano nekukura kwezvikwereti zvako zvezvechiremba.
Kana mitemo yako inoti iwe unowana $ 20,000 apo iwe unorwara nekenza, unobhadharwa $ 20,000 kuti uone kana zvikwereti zvako zvezvechipatara chiri $ 500 kana $ 500,000 (kunyange zvirwere-zvakananga zvirongwa zvinowanzobhadhara kenza kana zvisingakanganisi, zvinoreva kuti zvikwereti zvinenge zvichinyatsozivikanwa; basal cell carcinoma yakabviswa mumararamiro ekurapa uye haifaniri kuwedzerwa kurapwa hakuzoita kuti kubhadhara mubhadharo kubva kurongwa hwako hwekurwara hukuru).
Critical Illness Insurance
Inorwarisano yehutano inshuwarano yakafanana nezvirwere-zvirongwa kunze kwekuti inowanzovhara marudzi akawanda ezvirwere. Semuenzaniso, kubhadhara chirongwa chinorwara chekurwara kunogona kubhadhara chikwereti chekubhadhara kana iwe uine chirwere chepfungwa, chirwere, kenza, kuguma-danho real real disease, kana kuti unoda chimiro chekugadzira. Zvirwere zvakananga zvakafukidzwa zvinopesana kubva pane chinangwa kusvika kune chinangwa Zvikwereti zvepurogiramu inorwara zvirwere zvingave zvakakwirira kudarika miriyamisi yehutano hwakakosha hwakafanana kubva kune chirwere-chinangwa chekuti chirwere ichi chinowedzera ngozi nekuda kwehuwandu hwezvirwere huchabhadharwa nemutemo.
Chipatara Indemnity Insurance
Chipatara Indemnity Inishuwarensi inopa mari yakatarwa kwauri kana iwe uri muchipatara. Zvimwe zvirongwa zvinobhadhara chikwereti chechipatara kana iwe uri muchipatara kwamazuva maviri kana mazuva makumi maviri. Mamwe mapurogiramu anobhadhara mutengo wezuva nezuva wega wega iwe uri muchipatara, somuenzaniso, $ 100 pazuva. Mune zvimwe zviitiko, mari yaunobhadharwa yakagadzirirwa nekuwedzera kwechipatara chekubhadhara mari yehurumende; hazvina chokuita nehuwandu hwehuwandu hwechipatara chako. Iwe unogona kushandisa mari iyo iwe uchiona yakakodzera.
Zvimwe zvirongwa zvekubhadhara zvipatara zvinosanganisirawo kubatsirwa kwekuvhiyiwa kwekubuda kunze.
Izvi zvinogona kuva chiyero chemari chinenge chiri chiduku kudarika chikamu-chikwere chemari yakabhadharwa kune muchengeti wepachipatara.
Accident Insurance
Njodzi ye inshuwarisi inokutsigira iwe nokuda kwekunze kwemahombekheni ekurapa mari inobatanidza nengozi kana kukuvara. Muzviitiko zvakawanda, iwe uchazodiwa kuratidzira zvikwereti zvezvechiremba, mabhizimisi, uye / kana tsanangudzo yezvikomborero kubva kune inshuwarhu yehutano yehutano kuti uratidze mari yako yekunze yehutano.
Njodzi inowedzera inowanzove yakaderera mari yakakwana ($ 5,000 inowanikwa), sezvo yakagadzirirwa kuvhara yako yakagadziriswa uye kubhadhara kana iwe wakakuvara uye unoda kutsvaga kurapwa.
Asi ivo vanowanzozokubhadharai chete pamutengo chaiwo wezvaunotora, kana mari yako yakaderera kupfuura yakakosha. Somuenzaniso, kana iwe uine $ 6,000 yakabhadharwa pahutano hwehutano hwako uye iwe unoguma uchizvicheka iwe uye uchida zvikwangwani zvinobhadhara madhora 1,500, kuwedzera kwebasa kuchakubhadhara iwe $ 1,500 (pasi pfupi zvishoma deductible, kana chirongwa chenjodzi chikaderedzwa), kunyange kana iyo yakawanda inobatsira iri $ 5,000.
Kungoerekana Kufa nekudengenyeka
Kufa kwechimbichimbi chikamu cheD & D chinotora chikwereti chemari kumunhu wawakatumidza semubatsiri kana iwe wakaurayiwa munjodzi. Panogona kuva nezvimwe zvikonzero zvakadai sokuti njodzi yacho yaitika apo ichiita chimwe chinhu chisina kutenderwa.
Rufu rwekufa kwehutungamiri hweD & D hunosiyana nemishuwarenzi yehupenyu mukuti chikonzero chekufa chinofanira kunge chakabatana zvakananga nenjodzi yedhidhi yeD & D, asi mutemo wehupenyu-wehupenyu huchabhadhara kubatsirwa kana kufa kuri kukonzerwa nenjodzi, kenza, kurwisa mwoyo, kana chimwe chinhu chakadai seEbola. Paunenge uine inshuwarano yeupenyu uye AD & D inshurensi uye iwe ukafira munjodzi, muwani wako anogamuchira mubhadharo kubva kumatongerwo maviri aya.
Kuparadzwa kwechikamu cheD & D chinotora chikwereti chemari inobhadhara kwauri kana njodzi inokusiya usina chidimbu, chikamu chechimiro, kana kuti asiya iwe mapofu. Kuverenga dhidhi yeD & D ibasa rinotyisa sezvarinonyora madhora chaiwo ekurasikirwa kwegumbo rimwe, makumbo maviri, rimwe rutsoka, tsoka mbiri, ruoko rumwe, maoko maviri, ziso rimwe, maziso ose, nezvakadaro.
Ikopa-chikwereti chakabhadharwa nemutemo weD & D inogona kushandiswa nenzira ipi zvayo iwe (kana muwani wako paunenge wafa) inosarudza.
Dental Insurance
Dental Insurance dzimwe nguva inofungidzirwa sechirongwa chekuwedzera inshuwarano yehutano. Inobhadhara zvikwereti zvakananga kuvarume vezino meno apo iwe unogamuchira hutano hwemazino. Mazano akawanda emeno anochengetwa zvirongwa zvekuchengeta uye anoda kuti iwe ushandise vateresi vari mu-network neurongwa. Vamwe vanovhara kunze-kwe-network mazino ekutarisira, asi chikamu chenyu chebhadhiro chichave chakakwirira.
Sezvo nehutano yveshuwarisi yehutano, iwe unogona kunge wakabhadharwa, zvikwereti, kana kubhadhara mari neurongwa hwemeno. Mukuwedzera, zvirongwa zvakawanda zvemazino zvine makore akawanda anobatsira. Somuenzaniso, chirongwa chemazino chingareva kuti zvikwereti zvinokwana $ 2,000 pagore. Muchiitiko ichocho, chirongwa chacho chinorega kubhadhara kana chabhadhara madhora 2 000 kutarisira mazino ako egore gore. Iwe uchava nemhosva yeipi yemari yemari yakasara isina kubhadharwa mushure mekunge wasvika pakurongeka kwepurogiramu yako yegore rose yekubhadhara.
Iko Inogadziriswa Care Care Act yakagadzirirwa mazino ekuvhara mazino kuvana sechikonzero chinokosha chehutano, asi kuvhara mazino kwevanhu vakuru hakugoni kurairwa. Dzimwe makambani ezveshuwarhu ehutano hwehutano iye zvino akavhara chirwere chemazino kuvhara mazino mumitemo yavo, asi vamwe vanotaurira nhengo kuti vatenge zvakasiyana zvakasiyana nezvevana vekuvhara mazino.
Vision Inishuwarenzi
Chiratidzo cheshuwarisi chinowedzera maonero ekuonekwa kwerongwa hwehutano hwakakwana. Zvikuru-guru-zvirongwa zvehutano hwehutano hwehutano hunobhadhara kuchengetedzwa kunobatanidza nekuongororwa uye kurapwa kwezvirwere zveziso sezvakaita glaucoma kana macular degeneration, uye nekukuvadzwa kwiso. Kunyange zvakadaro, zvirongwa zvakawanda zvehutano inshuwarheni hazvizobhadharwi nekugadzirisa maonero ekururamisa.
Kuwedzerwa kwevhisi yemainishuwarenzi inotakura slack pano uye inobhadhara kubhadhara magirazi, kutora lenzi, uye kuregererwa kuongororwa kunodiwa kuti vanyatsorondedzera. Zvimwe zvirongwa zveinishuwarenzi zvekuona zvinobatsirawo kubhadharwa kwekuona chirongwa chekururamisa seLASIK .
Sezvo nehutano hwemazino, chirwere chekuona kutarisirwa ndicho chikonzero chinokosha mune zvehutano pasi peChinakidzika Care Act, asi kuonekwa kwevanhu vakuru kwete.
Medigap
Medigap iboka rekuwedzera zvirongwa zvehutano zvakagadzirwa zvakananga kune avo vane United States Medicare Part A uye Medicare Part B inshuwarisi. Vanhu vasina US Medicare havakodzeri kutenga chirongwa cheMedigap.
Medigap inoronga kubatsira varwere veMedarera vachibhadhara zvinhu zvakadai sokudzvora , copays , coinsurance , uye kuchengetedzwa kwekukurumidza pavanenge vachienda kune imwe nyika. Zvimwe kunze kwekune imwe nyika yekufambisa kunetseka kutarisira rubatsiro, Medigap inobatsira inosungirwa kushandisa yako inshuwarisi ye Medicare. Medigap inokweretesa zvimwe zvekubhadhara mari dzinokonzerwa nemutero mushure mekunge Medicare yakabhadhara chikamu chezvakawanikwa zvekurapa. Semuenzaniso, Medigap inogona kubhadhara iwe uchibviswa paunenge uri muchipatara.
Caveat Emptor neAddingal Health Health
Supplemental yehutano inshuwarisi haisi kutsiva hutano hwehutano hwakakwana seObamacare , urongwa hwehutano hweboka hunotora kuburikidza nemushandi wako, Medicare, Medicaid, kana Tricare. Zvinoreva sekuwedzera kune chirongwa chehutano chekare, kwete sechinotsiva chimwe.
Kuwedzera kwehutano hwehutano hahupi hupi hunokosha hwehutano hunobatsira, uye hahutauri huwandu hunokosha hunodiwa, saka hahuzogutsikana Nezvakagadziriswa Mutemo weChechi yekutarisira inshuwarano yehutano uye hazvizokubatsiri kudzivisa mutero wekubhadhara wekusagadziriswa (chinyorwa kuti kunyange zvazvo GOP mutero wekubhadhara mutero wakagadzirirwa kunopera muna 2017 unozopedzisira wodzokorora mutongo wega wega, izvo zvisingaitiki kusvikira muna 2019; vanhu vasina kuvimbiswa muna 2018 vacharamba vachibhadhara chirango pavanoisa mitero yavo kutanga kwegore ra2019, kunze kwekuti akakodzera kubhadhara ).
Mamwe marudzi ehutano inshuwarheni inogona kukanganisa mitero yaunofarira iyo kuva neAalth Savings Account yakabatanidzwa neHigh Deductible Health Plan. Kana iwe uine HSA, chengeta nemutero wako wekuteresa usati watenga chero hupi hupi hwehutano hwehutano hunoita kuti uone kuti unonzwisisa zvinogona kuitika paHSA yako. Iwe unogona kuverenga zvakawanda pamusoro peizvi muRIS Publication 969.
Zvimwe zvezvirongwa zvehutano hazvina kutongororwa sezvinongoti zvakakwana zvirongwa zvehutano hwehutano. Kudzivirirwa kwevatengi kunosanganisira nehuwandu hwehutano hwehutano inshuwarheni hunogona kusiyanisa zvichienderana nokuti uri kutenga mutemo kuburikidza nebasa rako, kana sewe munhu. Zvizhinji zvekuwedzera zvehutano zvirongwa zvehutano hazvina kubhadhara kwevatengi kwakafanana iwe unowanzoshandiswa muhutano hwehutano hwehutano.
Semuenzaniso, mamwe marudzi ekuwedzera inshuwarhu yehutano yehutano kusanganisa mamiriro ezvinhu akambovapo kana kuti ane nguva yekumirira kusati kwave nekugoverwa kwemamiriro ezvinhu akambovapo anokwidza mukati. Izvo zvinowanikwa gore negore kana kuti nguva yakawanda yekubhadhara mari, uye inowanzove yakaderera zvakakwana kupfuura mari yakazara inodikanwa kuti kubata zvirwere zvakasiyana-siyana kana kukuvadzwa (ichi ndicho chikonzero zvirongwa izvi zvinofanirwa kunge zvichiwedzera kune imwe inshurensi yehutano, panzvimbo pane kubviswa kune imwe inshurensi yehutano). Kuparidzirwa hakukwanisi kuvimbiswa kushandiswazve, zvinoreva kuti iwe ungasakwanise zvakare kunyoresa gore negore. Mamwe maitiro emitemo haafaniri kuvimbiswa nenyaya , zvinoreva kuti inshurensi inogona kuramba kukuchengetedza kana inofunga kuti iwe unowedzera ngozi.
Pakupedzisira, vatsigiri vanobvumirwa kuti vawane purogiramu yakawanda pakuwedzera inshuwarano yehutano kupfuura ivo vari muhutano hwehutano hwehutano. Zvizhinji zvezvirongwa zvehutano zvakakwana zvinotengeswa muUnited States zvinofanira kupedza 80-85% yemari yavanounganidza muzvikwereti pakubhadhara utano hwehutano kana mabasa ehutano hwehutano, vachisiya chete 15-20% yekutarisira mari, kutengeserana, uye zvikwereti. Zvimwe zvirongwa hazvina kutongerwa nenzira iyoyo. Vanogona kupedza chikamu chiduku zvikuru chemari inotorwa semapambisi ekutarisira kubhadhara mari, vachisiya chikamu chakawanda chemajeri emakambani, kushambadzira, pamusoro pehutungamiri, uye purofiti.
> Sources:
> Cornell Law School, Legal Information Institute. 45 CFR 148.220, kunze kweZvibatsiro.
> Jost, Tim. Health Health. Kushandisa Kubudirira Kwehutano: Kunze kweZvibatsiro Zvekupedzisira Rute. Gunyana 29, 2014.