7 Mazano Anokosha Pakushandisa Utano Hwako Zvakanaka
Kana iwe uri mutsva kune utano hwehutano inshuwarano pane zvinomwe zvidzidzo zvinokosha iwe unofanirwa kunzwisisa kuti udzivise kushamisika kwematambudziko emari. Kana iwe usinganzwisisi pfungwa idzi dzinokosha, haugoni kusarudza chirongwa chehutano nekuchenjera kana kushandisa yako yehutano inshuwariti zvakanaka.
Kugovana Kugovana
Kambani yako yehutano inshuwarheni haichabhadhari yako yose yehutano hwehutano hwemari. Iwe uri mutoro wekubhadhara chikamu chemishonga yako yehutano yehutano kunyange kana iwe uine inshuwarhu yehutano.
Izvi zvinozivikanwa semari yekugoverana nekuti iwe unogovana mari yehutano hwako nekambani yehutano yehutano.
Iyo mitatu inowanzobatanidzwa-kugovana-mari nzira dzinopedzerwa , zvinyorwa, uye coinsurance . Zvimwe zvirongwa zvehutano zvinoshandisa nzira dzose nhatu, asi vamwe vangangoshandisa imwe chete kana maviri. Kana iwe usinganzwisisi zvirongwa zvako zvekugovana-kugovana, iwe haugoni kuziva kuti iwe uchazobhadharai kune hupi hupi hupi hwehutano hwehutano hwehutano.
Izvo zvakakonzerwa ndizvo zvaunofanira kubhadhara gore roga roga usati wati hupenyu hwehutano hwehutano huchikanda zvachose uye hutanga kuripa chikamu chayo. Somuenzaniso, kana iwe uine $ 1 000 inobviswa, unofanirwa kubhadhara $ 1 000 yezvinyorwa zvehutano hwehutano pamberi pekambani yehutano yehutano inotanga kuripa. Kana ukambobhadhara $ 1 000 pamari yako yekutarisira utano, iwe "wakasangana ne deductible" gore iroro uye haufaniri kubhadhara chero imwezve yakabviswa kusvikira gore rinouya.
Kutenda kune Affordable Care Act, kambani yako yehutano inshuwarheni ikozvino inofanira kubhadhara kurapwa kwako kwekuchengetedza pasina kudii kuti iwe ubhadhara re deductible kutanga.
Izvi zvinoreva kuti ichabhadhara zvinhu zvakadai sekuongorora kwenyu gore negore uye kuongorora mammogram kunyange kana musati makasangana nekuderedza kwenyu. Zvisinei, shandisa chikwama chako kana kuwana chirwere uye iwe unofanirwa kusangana nemari yako yakabviswa usati wesaibhizimisi wako achibhadhara.
Dzidza zvakawanda pamusoro pekuregererwa mu " Deductible-Chii Chaicho uye Iyo Inoshanda Sei ."
Copayments idiki, mari yakatarwa iwe unobhadhara nguva imwe neimwe yaunowana rubatsiro rwehutano hwehutano. Somuenzaniso, unogona kuva ne $ 40 kubhadhara kuona chiremba. Izvi zvinoreva nguva imwe neimwe paunoona chiremba, iwe unobhadhara $ 40 kana chiremba chiremba chiri $ 60 kana $ 600. Your inshuwarisi ikambani inobhadhara yose.
Coinsurance ndiyo chikamu chebhadharo iwe unobhadhara nguva dzose paunowana rudzi rwehutano hwehutano hwebasa. Somuenzaniso, kana iwe uine 30% coinsurance yepatient hospitalization uye iwe chipatara chako $ 10 000, iwe uchabhadhara $ 3,000; kambani yako yeinishuwarenzi ichabhadhara $ 7,000.
Dzidza zvakawanda pamusoro pemarikiti uye mari yekutengeserana, zvinotsigira uye hutano hweumwe neumwe, uye kushamiswa kunoshamisa kwekutarisa mu " Ndechipi Kusiyana pakati peCopay uye Coinsurance? "
Out-Of-Pocket Maximum
Iko-ye-pocket yepamusoro ndiyo iyo iwe unogona kumira kubvisa mari kubva muhomwe yako kuti ubhadhara zvinodhakwa, zvinyorwa, uye coinsurance. Kana ukambobhadhara zvakakwana kumadhenari, mapepa uye coinsurance kuenzana neurongwa hwako hwehutano huri kunze kwehomwe, mushandi wako wehutano achatanga kubhadhara 100% yehutano hwehutano hwehutano hwehupenyu hwegore rose. Kufanana neyo yakabviswa, mari yawakabhadhara kune yekunze-ye-pocket yakawanda resets pakutanga kwegore rimwe nerimwe.
Dzidza zvakawanda pamusoro pehuwandu hwemahombekombe kunze kwe " Kubuda kwePocket Maximum-Kushanda Kwazvo uye Sei Tichifanira Kuchenjerera ."
Provider Networks
Zvizhinji zvezvirongwa zvehutano vane vashandi vehutano hwepahutano vakagadzira chirongwa nehutano hwehutano hwekupa maitirwo paanoderedzwa mitero. Vose pamwe chete, avo vanopa rubatsiro rwehutano vanozivikanwa seurongwa hwehutano hwekupa . A provider network haatauri chete vanachiremba, asiwo zvipatara, ma laboratori, zvipatara zvemapiritsi, zvipatara zvema X-ray uye mafirimu, makambani ezvehutano hwepamusha, vanachiremba, makambani emichina ekurapa, nzvimbo dzokuvhiya dziri kunze, zvipatara zvinokurumidza, pharmacies, nezvimwe zvakawanda mhando dzehutano hwevashandi vehutano.
Vanopa utano hwehutano vanonzi "in-network" kana vari chikamu cherongwa hwehutano hwekupa, uye "kunze-kwe-network" kana vasiri chikamu chepurogiramu yako yekupa.
Urongwa hwako hwehutano hunoda kuti iwe ushandise mune-network providers uye unopa zvikurudzira kuti iwe uite saizvozvo. Zvimwe zvirongwa zvehutano, kazhinji HMOs uye EPOs , hazvigoni kubhadhara chero chinhu chekutarisira iwe unowana kubva kune-kunze-network vanochengetedza utano. Iwe unobhadhara bhadha rose iwe pachako kana uchienda kunze-kwe-network.
Zvimwe zvirongwa zvehutano, kazhinji PPOs uye zvirongwa zvePOS, kuripa chikamu chemari yekutarisira yaunowana kubva kunze kwe-network providers, asi pasi pekubhadhara kana ukashandisa mu-network. Somuenzaniso, PPO yangu inoda $ 45 copay kuti ione chiremba we-innet network, asi 50% coinsurance kana ndikaona munhu akabuda kunze kweunyanzvi panzvimbo. Panzvimbo pokubhadhara $ 45 kuti uone mu-network network cardiologist, ndinogona kupedzisa kubhadhara $ 200- $ 300 kuti ndione kunze kwe-network cardiologist, zvichienderana nehuwandu hwebhadharo.
Prior Authorization
Zvizhinji zvirongwa zvehutano hazvizokubvumi kuti uwane chero hupi hwehutano hwehutano hwaunoda, chero nguva uye kupi zvako kwaunoda. Sezvo urongwa hwehutano hwako huchitsika chikamu chechibhadharo, inoda kuve nechokwadi kuti iwe unoda hutano hwehutano hwauri kuwana, uye kuti uri kuhuwana nenzira yakakodzera yezvemari.
Imwe yenzira dzinochengetedza utano hwehutano dzinoshandisa kuita izvi isati yapiwa mvumo . Kana hurongwa hwako hwehutano huine imwe, zvinoreva kuti iwe unofanira kuwana chirongwa chehutano hwehutano usati wawana rudzi rwupi rwehutano hwehutano. Kana iwe usingawani mvumo pakutanga, urongwa hwehutano hucharamba kubhadhara uye iwe uchabatanidzwa nebhadharo.
Kunyange zvazvo vanowanzopa varapi vezvehutano vachiwana hutano husati hwagadziriswa iwe pachako, pakupedzisira iwe unotarisirwa kuva nechokwadi chokuti chero chinhu chinoda kuva chigadziriswa chisati chagadzwa chave chagadzwa kare. Pashure pezvose, iwe ndiwe unopedzisa kubhadhara kana danho iri rakaderera, saka buck chaizvoizvo inomira newe.
Pamberi Pemvumo Inodiwa-Nei Uchifanira Kuchenjerera .
Mhosva
Kambani yako yehutano inshuwarheni haigoni kubhadhara zvikwereti zvisingambozivi nezvazvo. Utano hwehutano hwehutano ndiyo nzira dzakawanda zvirongwa zvehutano dzinoziviswa pamusoro pemutemo wehutano wehutano. Muzvirongwa zvakawanda zvehutano, kana iwe ukashandisa mu-network network, uyo anopa mvumo anongotumira mutsva kumushandi wako wehutano. Zvisinei, kana iwe ukashandisa kunze kwe-network, iwe unogona kunge uri iwe unofanirwa kutumira kudai.
Kunyange kana iwe usingafungi kuti urongwa hwako hwehutano huchabhadhara chero chinhu kune chirevo, iwe unofanira kuchikanda chero zvakadaro. Somuenzaniso, kana iwe usingafungi kuti chirongwa chako chehutano huchabhadhara nokuti iwe hauna kusangana nemari yako yakabviswa, iwe unofanira kufanira kudai mari yauri kuripa inokurudzirwa kune yako yakabviswa. Kana hurongwa hwako hwehutano husingazivi kuti wakashandisa $ 300 pamushonga wemakumbo akaputika, haugoni kubhadhara madhora mazana matatu kusvika pakuderedza kwako.
Uyezve, kana iwe uine shanduro yakashandisa mari iyo inokubhadhara iwe nekuda kwemari yeutano husingabhadharwi nehutano inshuwarisi yako, FSA haichazokuripizve kusvikira iwe uchiratidza kuti wako wehutano wehutano haana kubhadhara. Nzira chete yaunogona kuratidzira iyi ndeyokutumira kudai nemu insurer.
Premiums
Mari yaunobhadhara kutenga inshuwarano yehutano inonzi premium yehutano yepayimusi . Kazhinji, iwe unofanirwa kubhadhara mitero yehutano yehutano yega yega mwedzi. Kana iwe usingabhadhari mwedzi iwoyo, unogona kunge uine hutano hwehutano hwehutano hwacho hwakabviswa.
Dzimwe nguva haubhadhari premium yemwedzi iwe pachako iwe pachako. Izvi zvinowanzoitika kana iwe uwana inshuwarhu yako yehutano kuburikidza nebasa rako. Chimwe chikamu chemari yemwedzi pamwedzi chinotorwa kubva pane imwe neimwe yekubhadhara kwako, asi iwe waunoshandira anopawo chikamu chemari yepurogiramu yemwedzi. Izvi zvinobatsira sezvo iwe usiri kutakura mutoro wose iwe pachako, asi zvinoita kuti zvive zvakaoma kunzwisisa dambudziko rechokwadi uye kukosha kwehutano hwehutano.
Kana iwe uchitenga inshuwarano yehutano kuHurumende yeAne Affordable Care Act yehutano inshuwarano , iwe unogona kukumbira rubatsiro rwehurumende kuti ubatsire kubhadhara mihora yako yemwedzi. Kubatsira kunobva pane zvaunowana uye kunobhadharwa zvakananga kune imwe yekambani yehutano inshuwarano kuti uite chikamu chako chemwedzi wepuraimari unogona kutengesa. Dzidza zvakawanda nezve Affordable Care Act yehutano inshurensi rubatsiro mu " Ndingawana Rubatsiro Kubhadhara Health Insurance? "
Vhura kuNyoresa uye Kunyora Kunokosha
Iwe haugoni kubvumira inshuwarano yehutano chero nguva iwe uchida; iwe unongobvumirwa kusainira inshuwarhu yehutano pane dzimwe nguva. Izvi ndekudzivirira vanhu kubva kuedza kuchengetedza mari nekumirira kusvikira vanorwara kutenga inshuwarisi yehutano .
Iwe unogona kunyora kwehutano inshuwarhu munguva yekunyora yakasununguka nguva. Vazhinji vashandi vane nguva yekunyora yakazaruka kamwechete gore negore, kazhinji mumugumo. Medicare ine nguva yekunyora yakasununguka nguva dzose yekupera. Affordable Care Act Mutano wehutano hwehutano hunovewo nehuwandu hwekunyoresa nguva kamwechete gore negore. Kana iwe usina kunyora inshuwarhu yehutano munguva yekunyora yakatangwa, iwe unofanira kumirira kusvika panguva inotevera yokunyora yakasununguka, kazhinji gore gare gare, mukana wako unotevera.
Kusiyana nemutemo uyu, wakakonzerwa nezvimwe zviitiko, ndeye nguva yekunyora inokosha. Nguva yakanyoresa inokosha nguva pfupi apo iwe unobvumirwa kunyora inshuwarhu yehutano kunyange kana isiri kunyorwa kuzarura. Nguva dzekunyora dzinokosha dzinowanzokonzerwa kana ukarashikirwa neshuwarisi yako yehutano iripo kana kuti kuchinja mumhuri yehukuru. Semuenzaniso, kana iwe ukarasikirwa nebasa rako uye saka iwe unoshanda-based based health inshuwarisi, izvo zvingakonzera nguva yakanyoresa yehutano muhutano hwehutano hwehutano hwako huchipa iwe 30-60 mazuva kuti usayine pane shanduko-based health plan kunyange zvazvo isiri kunyora kuzarura.
Dzidza zvakawanda pamusoro pezvidzidzo zvakakosha, maitiro avanoita, uye chii chinokonzera ivo mu " Chii Chinoverengeka Chinoverengeka Period? "