Chii Chinopararira Kune Utano Hwako Inishuwarenzi Deductible?

Utano hwako hwehutano deductible uye miriyamisi yako yepamwedzi ingangodaro yako miviri yakakura yekurapa mari. Kunyange zvazvo iwe wakabhadharwa kubva kune chikamu chekuwana kwehutano hwako hwemari yekushandisa mari, kunzwisisa izvo zvinokosha kuhutano hwako hwehutano deductible uye izvo zvisiri nyore.

Kugadzirwa kwehutano hwehutano hwega hwega hunoita kuti chii chinokosha kune hutano inshuwarheni deductible, uye urongwa hwehutano hunogadzirwa hunogona kunge hwakanzwisisika hwakaoma.

Zvirongwa zvehutano zvinotengeswa nehumwe hutano hwehutano huchasiyana kubva kune mumwe nemumwe pane izvo zvinokosha kune iyo deductible. Kunyange urongwa humwe hunogona kuchinja kubva kune rimwe gore kuenda kune rinotevera. Iwe unofanirwa kuverenga zvakanyora zvakadhindwa uye kuva savvy kuti unzwisise chii, chaizvoizvo, iwe unotarisirwa kubhadhara, uye apo, chaizvoizvo, uchafanira kuripa.

Chii Chinopararira Kune Utano Hwako Inishuwarenzi Deductible

Mari inowana chikwereti kune yako yakabviswa zvichienderana nekuti chirongwa chako chekugovera mari chinogadziriswa sei. Kune nzira dzakawanda dzekugovana-kugovana-kugovana kunogona kugadziriswa, asi vazhinji vanowira mune mbiri mikuru yakagadzirwa.

1. "Iwe unobhadhara pakutanga, inshuwarisi inobhadhara gare gare" yakarongwa: Inishuwarenzi yehutano yako haingabhadhara mari kune chero chinhu kunze kwekuchengetedzwa kwekuchengetedza kusvikira wapedza kubviswa kwako kwegore. Iwe unobhadhara 100% yemishonga yako yezvehutano usati wabviswa mushure mokunge ductible yakagadziriswa, iwe unobhadhara chete mapepa uye coinsurance ; yako yveshuwarhu yehutano inotora zvese zve tab.
   • Mune zvirongwa izvi, kazhinji chero mari yaunoshandisa kuchitarisirwa nehutano hunodiwa hunoenderana nehutano hwako hwehutano huchitsvaga chero bedzi huri rubatsiro rwakakosha rwerongwa hwehutano hwako uye rwakagamuchirwa kutevera mitemo yezvirongwa zvehutano.

1. Izvo "zvinodhevedzwa zvinodzingwa kune mamwe mazano" kurongwa: Inishuwarenzi yehutano inotora chikamu chetabhenekeri kune zvimwe zvisiri zvekudzivirira kunyange iwe usati wambosangana newe. Mune chirongwa chechirongwa, kazhinji zvibvumirano zvinokonzerwa kubva ku deductible ndezvibvumirano zvinoda mapepa. Chero kana kuti kwete iyo deductible yakasangana, iwe unobhadhara chete mari yekubhadhara. Inishuwarenzi yako yehutano inobhadhara chikasara chemari yebasa iroro.
   
   Kune mazano anoda kubhadharwa panzvimbo pekubhadhara mari, iwe unobhadhara mari yakazara yebasa kusvikira iwe uchibviswa. Mushure mokunge deductible yakagadziriswa, iwe unobhadhara chete coinsurance yakawanda; hurongwa hwako hwehutano huripo huripo.
   • Mune zvirongwa izvi, mari yaunoshandisa kumabasa ayo iyo yakabviswa yakagadziriswa kazhinji haisati yakatarwa kune yako yakabviswa. Somuenzaniso, kana iwe uine $ 35 kubhadhara kuti uone nyanzvi kana iwe usati wambosangana ne deductible, iyo mari ye $ 35 ingangodaro haizoverengi kune yako yakabviswa.
     
     Zvisinei, izvi zvinosiyana kubva kurongwa hwehutano kune chirongwa chehutano; saka, verenga Summary of Benefits uye Coverage nekuchenjerera, uye sidza chirongwa chako chehutano kana iwe usina chokwadi. Dzidza zvakawanda mukati, " Ko Copays Count Toward Inishuwarenzi Yako Yehutano Deductible? "

Yeuka, kuburikidza neChinakidza Care Act , mune zvirongwa zvakawanda zveutano, kuchengetedzwa kwekuchengetedza kunovharwa 100% nehutano hwehutano. Iwe haufaniri kubhadhara chero zvakakodzwa, copay, kana kuti mari yehutano nekuda kwekuchengetedza kwehutano hwehutano hwehutano hwaunowana kubva kune in-network provider .

Uye kana uchingosangana nehuwandu hwemapurisa ako kwegore (kusanganisira yako deductible, coinsurance, uye zvipo), wako insurer anokweretesa 100 muzana yezvimwe zvemishonga-zvinodiwa, mu-network.

Ndezvipi Zvisingaverengi Kune Utano Hwenyu Utano Deductible

Mari yaunobhadhara kunze kwehomwe yehutano yehutano iyo isiri iyo yakafukidzwa kubatsirwa kwehutano hwehutano hwako hahuzobvumirwi nehutano hwehutano insuc deductible. Somuenzaniso, kana inshuwarano yehutano isingabatanidzi kurapa kwezora kumeso kumeso, mari yaunobhadhara kubva muhomwe yako yezvirapa izvi haicharevi kuhutano hwehutano insuc deductible.

Mari yawakabhadhara kune yekunze-ye-network mvumo haigoni kubhadharwa kune iyo yakabviswa muurongwa hwehutano husingaiti kunze kwe-network. Pane zvakasarudzwa pamutemo uyu zvakadai sokuchengetedzwa kwekukurumidzira kana mamiriro ezvinhu apo pasina mu-network kupa anokwanisa kupa basa rinodiwa.

Zvirongwa zvehutano zvinobvumira kunze-kwe-network kuchengetedza, kazhinji PPOs uye zvirongwa zvePOS , zvingasiyana zvakasiyana nezvokuti vanobhadhara sei mari yawakabhadhara kune kunze kwe-network.

Iwe unogona kunge uine inshuwarisi yehutano yakasiyana yakagadzirirwa, imwe ye-in-network kutarisira uye imwe huru kune yekunze-ye-network. Muchiitiko ichi, mari inobhadharwa kwekunze-ye-network kutora inokwidzwa kune iyo kunze kwe-network deductible asi haina kuverenga kune in-network deductible. Rimwe caveat: kana wako kunze-we-network provider anopa zvinopfuura zvinowanikwa mumutambo webasa rawakagamuchira, urongwa hwako hwehutano hunogona kugadzirisa mari yaunotarirwa kune yako kunze kwe-network inotorwa kubva pamutengo wemutambo.

Copayments (copays) kazhinji hairevi kudii kubviswa. Kana hurongwa hwehutano hwako huine $ 20 copay yekushanyira mahofisi ehofisi yekutanga, iyo $ 20 yaunobhadhara inenge isingabatsiri kune yako yakabviswa.

Zvisinei, iyo inotarisa kune yako yakawanda kunze kwehombodo pazvinenge zvese zvirongwa (vamwe vazukuru uye vane zvirongwa zvakawanda vanogona kuva nemitemo yakasiyana maererano nemaitiro avo akawanda ekubuda kwemapokisi anoshanda).

Purogiramu yemwedzi nemwedzi hairevi kudivi yako yakabviswa . Ikozvino, miriyamu haisati yakarongedzerwa kune chero rudzi rwemari yekugovera mari. Purogiramu ndiyo mari yekutenga inshuwarisi. Ndiyo mutengo waunobhadhara inshurensi yekutora chikamu chemari yekutengesa mari yako yekugona kurapa mari.

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