Inishuwarenzi yehutano inogadziriswa muzviuru zvemadhora inoita mapepa, iyo yakagadzirirwa madhora 25 kusvika ku $ 75 yaunokwereta nguva dzose paunenge uchienda kwachiremba kana kuzadza chiremba, inenge yakaita sechitsinho chekuchinja. Asi copays inowedzera chaizvo kana uine zvinetso zveutano. Iwe copays kuverenga kune yako yehutano inshuwarheni deductible? Iwe uri kubvisa pane yako huru yakabviswa nguva imwe neimwe paunobhadhara $ 30 copay nokuda kwetachiona yako kana chiroro cheshokoterori here?
Zvakasikwa kuvhara kana iwe uchifunga nezvehutano hwehutano insuction deductible, kazhinji mashoma madhora madhora. Kubhadhara mari yako yehutano inshupu deductible yave iyo inofanirwa kune vezvemari vanoziva kuti havasi vapfumi. Asi, zvakaoma kutarisa kufambira mberi kwako kuenda kumisangano yako deductible kana iwe usinganzwisisi chii, chaizvoizvo, chinokosha kune iyo .
Ingave kana kwete yako copays kuverenga kune yako yakagadzirirwa inobva pakuti chirongwa chako chehutano chakagadzirisa sei kukosha -kugovera zvido zvayo. Muhupenyu hwangu, zvirongwa zvakawanda hazviverengi mapepa ako kuhutano hwehutano insuction deductible. Zvisinei, chirongwa chako chinogona. Utano hwehutano hwekugovana zvinodiwa hunoshandurwa gore roga roga sezvo zvirongwa zvehutano zvinotarisa nzira itsva, dzinodhura uye dzinoshandiswa nevatengi kugadzirisa kugovana-kugovana zvinodiwa.
Unoziva sei zvechokwadi? Chokutanga, chengetedza Summary of Benefits uye Coverage. Nyatsocherechedza mathemoni mumuenzaniso. Kana zvisati zvichinyatsojeka, iwe unogona kunge uchidaidza nhamba ye nhengo pane imwe yehutano yemainishuwarensi yehutano uye bvunza.
Asi kazhinji, unofanirwa kutarisira kuti makopi ako haazoverengwi kune yako yakabviswa. Zvichaita, zvisinei, zvingaverengwa kune yako yakawanda kunze kwehomwe (kunze kwekuti iwe une chirongwa chikuru kana chizukuru chinoshandisa mitemo yakasiyana-siyana yekuti kunze kwemari).
Apo Health Health Plan Credits Copays Towed the Deductible
Copayments add up.
Kana iwe ukaona chiremba kakawanda kana kuzadza zvinyorwa nguva dzose, zvikwereti zvinonzi ndezvako kubviswa kwako zvichabatsira.
Ngatitii inshuwarano yehutano yakarongeka seizvi:
- $ 1,000 deductible,
- $ 30 copay yekuona chiremba wako wokutanga ,
- $ 60 copay pakuona chiremba anoongorora,
- $ 25 copay yekuzadza chirongwa chechirwere chinotyisa,
- $ 45 copay yekuzadza chirongwa chechirwere chemishonga.
Iye zvino, fanisa nezvemari inoshandiswa uchishanda zvakafanana nehutano hwehutano nehutano inshuwarheni iyo inokweretesa mari yako yemari kune yako deductible, uye inshuwarhu yehutano iyo haina kuverenga yako micayment kune yako deductible.
MunaJanuary, iwe unorwara une chirwere cheshuga . Iwe unoona PCP yako katatu uye inorayirwa imwe yemishonga yemishonga uye imwe zita-zita remishonga. Zvako zvepaJanuary zvinyorwa ndeye $ 30 + $ 30 + $ 30 + $ 25 + $ 45 = $ 160.
PCP yako haina kufara nehutano hwehuga hwehuga, saka munaFebruary, anokutumira kuti uone anocrocrinologist , chiremba anonyanya kurwara nechirwere cheshuga nematambudziko ehomoni. Iwe unoona nyanzvi uye dzoza zvose zvinyorwa zvako. Mari yako yeFebruary iri $ 60 + $ 25 + $ 45 = $ 130.
MunaMarch, iwe unoona magistrologist kaviri. Anochinja mitemo yako; iwe ikozvino pane mazita emishonga mbiri.
Mari yako yeKuguru ndeye $ 60 + $ 60 + $ 45 + $ 45 = $ 210.
Pakupera kwaMarch, iwe wakabhadhara mari inosvika $ 500 mukopi. Kana hurongwa hwako hwehutano hunobhadhara makopi ako ekutarisira kwako, iwe uri hafu kuenda kunosangana negore rako rekubviswa kwe $ 1 000. Kana hurongwa hwako hwehutano husingaverengi makopi ako kune zvakabviswa, iwe uchine chikwereti chose chemadhora emadhora anosvika zviuru zviviri kunyange iwe wakatobhadhara $ 500 kuti uwane mari yehutano kubva mune rako rehomwe.
ACA-Yakagadziriswa Zvirongwa Count Copays Kuda Kwako-Kwe-Pocket Maximum
Kunyange zvazvo zvisingashamisi kuti uwane chirongwa chinotora copays kune iyo yakabviswa, mapoka ose eCAA-anorongeka anoverenga copays (nokuda kwebasa rinoonekwa sehutano hwehutano hunokosha ) kune gore rako rose risati rapera , uye kune chikamu chepamusoro maererano kuti yakakwirira sei kunze kwehomwe yako ( $ 7,150 nokuda kwomunhu mumwe chete muna 2017 ).
Vanhu vakawanda havagoni kusangana nehuwandu hwavo huri kunze kwehomwe yegore. Asi kana iwe uchidaro, inogona kuva chero kusanganiswa kwema copays, deductible, uye coinsurance iyo inokutora kusvika kumuganhu. Kana uine mabasa akawanda ayo copay inoshandiswa, unogona kuguma kusangana nemuganhu wako wekugadzirisa pamusana pekubhadhara mari yako, usingatongoratidzi kudarika kwako zvachose (mumamiriro ezvinhu akadaro, haufaniri kusangana nemari yako yakabviswa kwegore, kunyange kana iwe uchida kuchengetwa izvo zvakabviswa zvinowanzoshandiswa).
Yakarongwa naLouise Norris.
> Sources:
> Centers for Medicare neMedicaid Services, Center for Consumer Information and Insurance Oversight. Affordable Care Act Kushanda FAQs - Set 18.