Kana uri mutsva kune utano hwehutano inshuwarani , kunzwisisa kuti iwe unofanirwa kubhadhara sei kune mari yekutarisira kweutano hwako, kana iwe uchifanira kuripa, uye kuti yakawanda sei iyo chirongwa chako chehutano chaunotora chinogona kuvhiringidza.
Inishuwarenzi yehutano inogadziriswa uye zvikwereti ndezvipi zvemarudzi ekugovana-mari , iyo inoreva nzira iyo makambani ehushuwarisi ehutano akaparadzanisa mari yehutano hwako newe.
Saka, musiyano wei pakati pe deductible uye kubhadhara? Zvinopesana paunofanirwa kubhadhara, zvakadini iwe unofanira kuripa, uye zvakasara pane chirongwa chehutano chako chekubhadhara.
Chii chinonzi Health Insurance Deductible?
A deductible ndiyo mari yakatarwa iwe unobhadhara gore roga roga usati wesainishuwarenzi yehutano ichitsvaga zvizere. Kana ukangobhadhara mari yako yakagadzirirwa, urongwa hwako hwehutano hunotanga kutora chikamu chako chehutano hwehutano. Heino nzira iyo inoshanda.
Ngatitii chirongwa chako chinokwana $ 2,000 chinotengwa, uye chinoverenga zvose zvisiri zvekuchengetedza maitiro kune iyo yakabviswa kusvikira yasangana. Iwe unowana chirwere ichi munaJanuary uye ona chiremba wako. Bhidha rezvechiremba iri $ 200 (mushure mehutano hwehutano hwako hwekutaurirana). Iwe ndiwe unokonzera iyo yese mushure mekunge iwe usina kubhadhara yako yakakodzwa asi gore rino. Mushure mekubhadhara mari yemadhora $ 200, une $ 1,800 yakasara kuti uende pane zvekudhara gore rako rose.
Muna March, iwe unowira uye unovhuna ruoko rwako. Mushumo mushure mehutano hwako hwehutano hwakataurirana huri $ 3,000.
Iwe unobhadhara $ 1,800 yemari iyo isati wasangana nehurukuro yako yegore re $ 2,000. Iye zvino, inshuwarisi yehutano inopinda mukati uye inobatsira iwe kubhadhara chikamu chese chikwereti.
MunaEpril, iwe unotora kukanda kwako kubviswa. Bhiri iri iri $ 500. Sezvo iwe watoona zvawakabhadhara zvegore, iwe haufaniri kuripa zvakare kune yako deductible.
Inishuwarenzi yako yehutano inobhadhara mugove wakakwana weiyo musayiri
Zvisinei, izvi hazvirevi kuti inshuwarisi yehutano ichabhadhara mari yose uye haufaniri kubhadhara chero chinhu. Kunyangwe iwe wapedza kubhadhara yako yakagadzirirwa kwegore, iwe unogona kunge uchine chikwereti chekopiko kana mari yekutengesa , kusvikira wapedza huwandu hwepurogiramu yako kunze kwehomwe yegore.
Pasi peAACA, muna 2018, vese vasati vaberekwa, mapurogiramu asina kugadziriswa anofanira kuvhara mari yepamusoro yepamusoro ye $ 7 350 pamunhu mumwe chete uye $ 14,700 pamhuri. Zvizhinji zvehutano zvirongwa zvinyorwa zvekunze-kunze kwehomwe mari pazvikamu zviri pasi pemiganhu iyi, asi hazvikwanisi kudarika.
Muganhu wekunze-we-pocket unoshanda kune vose vari mu-network kutarisirwa kunoonekwa sezvinokosha mune zvehutano . Inosanganisira mari iyo inyoresa kubhadharira kubhadhara, copays, uye coinsurance; kana imwe mari yakabatanidzwa inosvika purogiramu iri kunze kwehomwe, iyo nhengo haifaniri kubhadhara chero chimwe chinhu kwegore rose (nokuda kwe-network, kuchengetedzwa kwemakirwo anodiwa kunofanirwa kubatsirwa kwehutano), pasinei nokuti iyo ingadai isina kudai copay kana coinsurance.
Chii chinonzi Health Insurance Copayment?
Imba yekusungirirwa inenge yakatarwa iwe unobhadhara nguva imwe neimwe yaunowana rubatsiro rwakasiyana rwehutano hwehutano.
Heino nzira iyo inoshanda.
Ngatiti inshuwarhu yako yehutano inoda mari ye $ 30 nguva dzose paunoona chiremba wako wokutanga , $ 50 nguva imwe neimwe paunoona chiremba wezviongorori, uye $ 20 nguva imwe neimwe paunogadza chirongwa chechirongwa.
Kana iwe ukaona PCP yako musi waMay 1, unobhadhara chiremba $ 30 zuva iro. Urongwa hwako hwehutano hunotora chikamu chesebhadharo yekushanya ikoko. Paunodzokera kuPPP yako musi waMay 5, unofanira kubhadhara imwezve $ 30 yemari. Urongwa hwako hwehutano huripo huripo humwe humwe hurairi, zvakare.
PCP yako inokutumira kunyanzvi. Paunoona nyanzvi musi wa12 Chivabvu, unobhadhara $ 50 kubhadharwa kune unyanzvi. Inishuwarenzi yako yehutano inobhadhara zvakasara zvezvenyanzvi yemutemo.
Nhamba yaunobhadhara mumapayiniti kazhinji haisi kuverenga kumisangano yako yakabviswa, asi inotarisa kune yako yose yekunze-ye-podha mari yegore (thanks to Obamacare, yako yose yakabuda kunze kwehomwe yakavharwa gore negore). Saka kana iwe uine $ 2,000 inotsvaga mukuwedzera kune ma-copays akasiyana-siyana kuti uone chiremba wako mukuru wekuchirapa kana kuti nyanzvi kana kuti ane chirongwa chakazadza, iwe unofanirwa kusangana nemari yako yakagadzirirwa kune dzimwe nzira kunze kweiyo yakafukidzwa ne copays.
Ndezvipi Zvakafanana?
Iyo deductible uye mari yekubhadhara ndeyemari yakaenzana yakaenzana, zvinoreva kuti haishanduki zvichienderana nekuwanda kwehutano hwehutano huripo. Izvi zvakasiyana nedzimwe rudzi rwekugovana-kugovana, coinsurance, umo iwe unobhadhara chikamu chemutemo pane chikwereti chakatarwa.
Unoziva apo iwe unyoresa kune inshuwarhu yehutano inguva yakawanda yako deductible ichave gore iroro; hazviparadzanisi maererano nemhando ipi yemishandiro yaunowana kana kuti mari iyo inodhura yakadini. Kana iwe uine $ 1 000 inobviswa, iwe uchabhadhara $ 1 000 inobviswa kana yako hospitali inodhura $ 2,000 kana $ 200,000. Asi mamwe mapurogiramu ane zvakasiyana zvakatsaurwa zvinoshandiswa kumishonga yemishonga, pamwe nekudhakwa kwevamwe vezvehutano. Uye Medicare Chikamu A ine deductible inoshandiswa kune nguva inobatsira panzvimbo yegore rekarenda. Asi ichiri chigadziriswa, chigadziro chakatemwa chinoshanda pasinei nokuti mari yekurapa inodhura zvakadini.
Iwe unoziva zvakare apo iwe unyoresa inshuwarhu yehutano yehutano izvo zvigadziro zvako zvehutano zvekubhadhara ndezvipi, sezvo zvavewo mari yakatarwa. Kana iwe ukaona nyanzvi, kana chirongwa chako cheutano chinoda $ 50 copay yekuona nyanzvi, iwe unokwereta $ 50 kana bhizimusi reyanzvi iine $ 100 kana $ 1000 (chero bedzi muyanzvi ari muurongwa hwehutano hwako, uye iwe unopedza chero upi zvake huri kutenderwa kana kutumira zvinoda kuti hurongwa hwako hwehutano huve).
Kopayment uye yakakodzwa yakafananawo mune izvozvo, kuburikidza neAne Affordable Care Act , muUnited States mamwe mabasa ekuchengetedza utano hwehutano haapi pasi pekubhadharwa kwemari kana chirongwa chako chehutano chinotorwa (kunze kwekuti iwe une chirongwa chakakura). Kana iwe ukaona chiremba nokuda kwekuchengetedza kwehutano hwekuchengetedza, kunyange iwe usina kubhadhara dime kunowanikwa gore rako rose, iwe haungabhadhara chero chinhu chaunotsvaga kubviswa kwako kwekushanya ikoko. Iwe haungabhadhara chikwereti chekushanyira uku, kana (nyora kuti mamwe mabasa anokwanisa kupiwa panguva yekushanyirwa kwekudzivirira haazomboregi zvakakwana, sezvo mitemo yekuchengetedza kwekudzivirira inongoda zvimwe zvimwe zvekuchengetedza kuchengetedzwa kunobatanidzwa zvizere. Tarisa newaini yako inshuwarisi usati watarisa kushanyira kwekuchengetedza kwekuchengetedza kuti uone kuti unonzwisisa izvo zvakaputirwa uye izvo zvisingaiti).
Ndezvipi Zvakasiyana?
Izvo zvinowanikwa zvinowanzoita mari yaunofanira kubhadhara uye iwe unowanzobhadhara kakawanda sei. Deductibles inowanzove yakakura kukunda mapepa, asi iwe unongofanira kuripa kamwe chete pagore (kunze kwekuti iwe uri paMedare , pane imwe nguva iyo yakabviswa inoshanda kune imwe nguva yekubatsira panzvimbo yekutevera gore remakarani). Kana uchinge wasangana nemari yako yakabviswa kwegore, haufaniri kuripa zvakare kusvikira gore rakatevera.
Asi zvikwereti zviri kuenderera mberi. Iwe unoramba uchibhadhara zvikwereti nguva dzose paunowana rubatsiro rwehutano runovada ivo pasinei nemari yakawanda yawakabhadhara mugore. Iyo chete nzira yaunomira nayo kubhadhara mari yemapayipi ndeyekuti wakazadza chirongwa chako chehutano chiri kunze kwepamusoro pehomwe kwegore. Kuwana huwandu hwemahombekombe hauna kujairika kuvanhu vakawanda, uye zvinongoitika chete kana iwe wakanyatsoshandisa mari yehutano gore iroro.
Maitiro Avanoita Pamwe Chete
Dzidza kuti yako deductible uye copay inobatanidza sei " Do Copays Count Toward Your Health Insurance Deductible? " Uye " Chii Chinoenderana NeInishuwarenzi Yako Yeutano Deductible? "
> Sources:
> Federal Register, Department of Health and Human Services. Murwere Anodzivirirwa uye Anogadziriswa Care Care Act; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu. December 22, 2016.