Kana uri mutsva kune hutano inshuwarisi, unogona kushamiswa kuti iwe uchiri kubhadhara mari yehutano. Hasi hurongwa hwako hwehutano hunofanirwa kubhadhara zvikwereti zvako zvekurapa zvino?
Zvakanaka, hongu uye kwete. Inishuwarenzi yehutano inofanirwa kubhadhara chikamu chemari yekutarisira kwako hutano, asi iwe uchiri kupedzisa kubhadhara deductibles , makopiko , uye coinsurance .
Chikonzero Nei Uchiri Kubhadhara Mishonga Yezvemishonga Kana Uine Utano Inishuwarenzi
Vatsigiri vehutano vanoda kuti iwe uve nehumwe ganda mumutambo kuitira kuti urege kuwana hutano hwemari hunodhura zvakanyanya.
Kana iwe uchifanira kubhadhara chimwe chinhu, kunyange kubhadharwa kechidiki nguva dzose paunoona chiremba kana kuzadza chiremba, iwe unowanzoshandisa kusarudza kwakanaka pamusoro kana iwe uchida chaizvo kuona chiremba kana kuzadza chirairo ichocho. Iwe haugoni kumhanyira kuna chiremba pane chimwe chinhu chiduku kana kuzadza zvinyorwa zvemishonga iwe ungasave uchida chaizvo.
Kunyanya kubudirira kupfuura kunyora, kubhadhara mari inoda kuti iwe ubhadhe chikamu chemutemo wacho yakagadzirirwa kukukurudzira kuti uone kuti hutano hwako hwauri kuwana hausi chete hunokosha asiwo hune mari yakasarudzwa yekusarudzwa ichakushandira iwe.
Somuenzaniso, apo shamwari yangu yakaona kuti mishonga yemishonga yemakemikari inorayirwa mwanakomana wavo wekuyaruka yaizobhadhara madhora 1 000 (mushure mehutano hwehutano hwakataurirana), akasarudza kuti yakanga yakawandisa uye paifanira kuva nehuwandu hwekushandisa sarudzo. Aine 30% coinsurance, angadai akabhadhara anenge madhora mazana 300 kuti mumwe mutemo uzadze.
Inishuwarenzi yehutano ingadai yakabhadhara $ 700.
Panzvimbo pokuderedza mishonga yakawanda yezvokurapa, aitsvaga maitiro ekurapa asingakoshi. Akataura nedermatologist uye akawana kuti mushonga wakwegura wakabhadhara mari shoma wakanga wakaita sekubudirira. Sezvo aifanira kubhadhara mari yekubhadhara mari yemishonga, nekusarudza mishonga inodhura, aigona kuchengetedza mari yakawanda.
Chii Health Health Insurance Zvechokwadi, Zvakadaro?
Inishuwarenzi yehutano haisi yakagadzirirwa kubhadhara zvishoma zvishoma zvehutano hwekutarisira mari. Yakagadzirirwa kubhadhara mari yakawanda kana iwe une dambudziko rinoshandiswa uye nekukubatsira iwe zvishoma apo iwe unowedzera mari yakawanda.
Kunyange zvazvo copays, coinsurance, uye zvakanyanya kubviswa zvinogona kunge zvakadhura, iwe unodzivirirwa nehupenyu hwako huri kunze kwehomwe . Kana mabhadharo, mari, uye mari yekubhadhara iwe wakabhadhara gore rino kuwedzera kusvika pane yako plan kunze kwe-pocket, chirongwa chako cheutano chinotanga kutora 100% yemari yako yehutano yakabatwa.
Izvi zvinoreva kuti iwe unofanirwa kubhadhara mashoma madhora madhora gore roga roga kutarisa utano hwako hwehutano kunyange iwe une utano hwehutano. Asi, zvinoreva zvakare kuti kana iwe uchida $ 400,000 kutora marora kutora hupenyu hwako, inshuwarhu yako yehutano inobhadhara kune vose asi mabhiriyoni mashoma madhora.
Dambudziko nderokuti mari yekuchengetedza utano zvakanyanya ; Zviri nyore kukanganisa mavheji ehurumende yemhuri uye kunyange kunyatsotarisirwa kutarisira mari. Kunyange zvazvo pasina chigadziro chakakwana chechikonzero ichi, kune zvimwe zvinhu zvingabatsira munguva.
Kana iwe uchikodzera ku Affordable Care Act rubatsiro kuderedza mapeamisi ako ehutano hwemwedzi wehutano , shandisai iyo (izvi zvinoreva kuti iwe uchada kutengesa hurongwa hwako hwehutano mukutsinhanisa munharaunda yako).
Iko kune kunyange rubatsiro rwekubatsira kuderedza mari yekudhura kwako, copays uye coinsurance. Dzidza zvakawanda pamusoro pezvibatsiro izvi mu " Ndingawana Rubatsiro Kubhadhara Utano Woutano? "
Iva nechokwadi kuti unonzwisisa hurongwa hwako hwehutano uye uri kuwana mhando yakanakisisa yebha yako. Dzidza kuti sei:
Uye ramba uchifunga kuti kunyange zvazvo zvichikwanisika kutenga kugoverana nemari yakaderera kunze kwe-pocket, iwe pachako unowanzobhadhara zvakawanda mumashandiro emwedzi pamwedzi semugumisiro. Iva nechokwadi chekuvhara nhamba yacho uye ona kunyanya iwe uchave uchibhadhara mukutengesa kwekunze kwekubuda kwehombodo.
Zvinogona kunge zvisina kukodzera, kunyanya kana iwe uine hutano uye usatarisira mari inokosha yekurapa.
FSAs, HSAs, uye kubhadhara kugovera
Kana nzvimbo yako yebasa inopa mari yekushandisa yakashandiswa, itawo mairi. IFSA ichakubvumira iwe kubhadhara yako deductible, copays, uye coinsurance nemutori wekare. Uyezve, FSA inobhadharwa nemari shoma inotorwa kubva kune imwe yebhadharo. Zviri nyore nyore kubhadhara $ 2,000 inotorwa nekuva ne $ 77 kubva pane yako yekubhadhara masvondo ose maviri kupfuura kuti uite zvemashiripiti kubhadhara $ 2,000 kubva pakero yako yekuongorora kana iwe uri kurwara.
Kana iwe uchikwanisa kuwana compte yehutano yekuchengetedza utano , nyora iwe. Ichashandura bhajeti yako yehutano yehutano seFSA inobata, asi ine zvikomborero zvakawanda pane FSA. Dzidza zvakawanda mu " Nzira 5 HSA Inofadza Kupfuura FSA ."
Mune dzimwe mamiriro ezvinhu, inshuwarisi yekuwedzera inogona kubatsira. Asi zvinogonawo kuva kuparadza mari pane dzimwe nguva. Heano zvimwe zviwanikwa kana uchida kuziva nezvekuwedzera kuwedzera kwekuparidzira:
- Chii Chinonzi Supplemental Health Insurance uye Inoshanda Sei?
- 5 Zvinhu Zvokuziva Pamberi Kutenga Supplemental Health Insurance
- 6 Zvinhu Zvokuziva Nezvekushaya Utano Inishuwarenzi