Kugovana Kubhadharwa NeInishuwarenzi Yako
Kunzwisisa inshuwalisi yezvehutano kunogona kunge iri nyaya yakaoma nemashoko akawanda anovhiringidza. Imwe yevaya ndiyo shoko rokuti 'coinsurance.' Muchirevo chayo chinonyanya kukosha, izvi zvinoreva kuti iwe uchange uri kugovana mari yekurapa nekambani yako ye inshuwarisi.
Coinsurance ine zvikomborero zvayo, zvakadai sokuderedza mari yemwedzi miviri, asi zvinogona kureva kuti iwe unobhadhara mari yakawanda kunze kwekuti iwe usvike gore rinenge rawanikwa.
Zvechokwadi, kune zvikomborero kune kambani yveshuwarisi pamwe chete. Usati watenga mutemo mutsva, zvakakosha kuti unzwisise zvakanakira mari.
Chii Chinotsigira?
Kunyangwe iwe uine inshuwalhu yehutano , iwe uchave uine mhosva yekubhadhara chikamu chimwe chezviitiko zvose zvekutarisira iwe unotsvaka, pasinei nekugadzwa kwechiremba, muedzo, kuparidzirwa, muchipatara, kana mumwe mushonga wezvinodhaka. Iwe hausi zvachose kubva kune hokore kana zvasvika pakubhadhara inshuwarisi.
Imwe yerudzi rwemhando iyi yekubhadharwa kwakabatanidzwa kunonzi coinsurance. Ne coinsurance, munhu uyo ane inshumo anopa zvimwe zvekubhadhara kunoitwa pamutemo kana kubvunza nemubhizimisi. Pamusoro payo yepamusoro, coinsurance inongoreva kupararira kweurongwa hwe inshuwarisi pakati pemapoka akawanda.
Percentages of Coinsurance
Coinsurance inowanzogadzirirwa se peresenti yemari yakakwana inofanira kubhadharwa.
Izvozvo zvikamu ndeyomutoro wako pane imwe neimwe yekutarisira.
Semuenzaniso, inshuwarisi yako inogona kuiswa pa 80/20, zvinoreva kuti kambani ye inshuwarisi inobhadhara 80 muzana yemutengo wevose uye iwe unobhadhara makumi maviri kubva muzana. Coinsurance inogona kuva yakawanda ye50% yeimwe hurongwa hwehushuwarisi. Kana uine chirongwa chakakosha chechirongwa chekushaya hutano , inogona kutokwira ichikwira sepamusoro pezana kubva muzana kusvika kusvika kuwandu hwekutsvaga kwako.
Zvisinei, iyo yakakosha iyo inenge yaunotarisirwa kubhadhara, iyo (zvishoma) inodhura mari yepurayamisi yako yemwedzi inofanira kuva. Kana iwe uchibhadhara mamwe mabasa emunhu mumwe nomumwe, iwe ungangodaro ubhadhara mari shoma pamwedzi wepamwedzi.
Iyo Kugoverana Kunoshanda Sei
Ngatitaurire kuti unoshanyira chiremba wako kuti uite nzira yekuita uye huwandu hwekubhadhara huri $ 125. Iwe unogona kunge wakatobhadhara $ 25 copay. Kamwe yakashandiswa, iyi copay inoderedza mari yepakutanga kubva pa $ 125 kusvika ku $ 100. Mari yako yekusungirirwa inogadziriswa nemubatsiri wako 80/20, zvinoreva kuti iwe zvino watarisirwa kubhadhara 20% yemari yakasara $ 100 yemari, iyo inobuda kuva $ 20.
Nokudaro, mari yako yose yekushanyira yaiva $ 25 copay pamwe chete ne $ 20 coinsurance, iyo inobuda ku $ 45.
Zvikonzero zveChrisurance
Pane zvikonzero zviviri zvinoita kuti makambani einishuwarenzi ashandise coinsurance. Iyo inoderedza mari yavanofanira kubhadhara panzvimbo yenyu nekuda kwekutarisira kwenyu. Panguva imwe chete, inokurambidzawo kuona chiremba wako kana kutsvaga kurapwa nokuti vanoziva kuti kana iwe uchida kubhadharira chikamu chazvo, iwe hausi kunyanya kutsvaka kutarisirwa.
Kusiyana nemamwe mapepa , coinsurance inobatsira kuti iwe wakwaniswa. Kana uchinge wasvika pakuderedzwa kwako, iwe unenge usisina kana mutoro wekubhadhara mari yezvimwe nguva yemutemo wako (kazhinji kuburikidza nokuguma kwegore razvino rezvemari).
Iva nechokwadi chekubatanidza mari yekubhadharisa mari apo iwe uri kuongorora chirongwa chehutano hwehutano hwehutano hunofanira kusarudza, kana sangano rega rega kana panguva yekunyora kusununguka .