Zvizhinji zvehutano zvirongwa zvinoda zvose deductible uye coinsurance . Kunzwisisa musiyano pakati pe deductible uye coinsurance ndiyo chikamu chakakosha chekuziva kuti chii chaunokwereta paunoshandisa yako inshuwarhu yehutano.
Deductible uye coinsurance ndiwo marudzi ehutano inshuwaridhu -kugovana ; iwe unobhadhara chikamu chemari yehutano hwako, uye urongwa hwako hwehutano hunobhadhara chikamu chemari yekutarisira kwako.
Zvinopesana mukushanda kwavanoita, mari yaunofanira kubhadhara, uye kana iwe uchiripa.
Chii chinonzi Deductible?
A deductible ndiyo mari yakatarwa iwe unobhadhara gore roga roga usati wesainishuwarenzi yehutano ichitsvaga zvachose (mumutambo we Medicare Part A -kana muchengeti wekurapa-iyo inobviswa inoshanda kune "nguva dzinobatsira" panzvimbo yegore). Kana ukangobhadhara mari yako yakagadzirirwa, urongwa hwako hwehutano hunotanga kutora chikamu chako chehutano hwehutano. Heino nzira iyo inoshanda.
Iwe une $ 2,000 inotengwa. Iwe unowana chirwere ichi munaJanuary uye ona chiremba wako. Bhidha rezvechiremba iri $ 200. Iwe uri mutoro webhadharo yese sezvo iwe usina kubhadhara yako yakabviswa kare gore rino (nokuda kwemuenzaniso uyu, tiri kufunga kuti chirongwa chako hachina mari yepahofisi kunoshanyira, asi panzvimbo pacho, inowanidza mhanho kune yako yakabviswa) . Mushure mekubhadhara mari yemadhora $ 200, une $ 1,800 yakasara kuti uende pane zvekudhara gore rako rose.
Muna March, iwe unowira uye unovhuna ruoko rwako.
Bhiri iri iri $ 3,000. Iwe unobhadhara $ 1,800 yemari iyo usati wambosangana negore rako re deductible ra $ 2,000 (iyo $ 200 kubva mukurapa kwechirwere, pamwe nemadhora 1,800 emutengo wevhu rakaputsika). 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 yakabviswa kwegore, iwe unogona kunge uchine chikwereti chekubhadharwa mari kana mari.
Chii chinonzi Coinsurance?
Coinsurance ndeimwe rudzi rwekugovana-mari kune iwe unobhadhara chikamu chemari yekutarisira kwako, uye yako inshuwarhu yehutano inopa chikamu chemari yekutarisira kwako. Ne coinsurance, iwe unobhadhara chikwereti chakasiyana, chikamu chese rega rega rekuchengetwa kwehutano. Heino nzira iyo inoshanda.
Ngatiti iwe unofanirwa kubhadhara 30% coinsurance kune mishonga yemishonga. Iwe unogadza mishonga yemishonga inodhura $ 100. Iwe unobhadhara $ 30 yemari iyo; inishuwarenzi yako yehutano inopa $ 70.
Sezvo kubhadhara chikamu chikamu chemari yekutarisira kwako, kana kutarisirwa kwako kunodhura, iwe unobhadhara zvakawanda. Somuenzaniso, kana iwe uine coinsurance ye 25% yekuchengetwa muzvipatara uye chipatara chako mari ye $ 40,000 iwe unokwereta $ 10,000 coinsurance-kusvikira Affordable Care Act yakashandura inshuwarheni yedu.
Coinsurance mari yehukuru iyo haisabvumirwi kunze kwekuti iwe une chirongwa chehutano hwakakura .
Zvirongwa zvese zvisingakonzerwi zvinoda kubvisa mari yemunhu wese kunze kwematokari (kusanganisira deductibles, copays, uye coinsurance) zvisingasviki kune chero munhu ari kunze kwehomwe yepamusoro yegore iroro. Nokuti 2016, iyo inokwana madhora 6 850. Nokuti 2017, iri $ 7150.
Deductible vs Coinsurance-Vakasiyana Sei?
Izvozvo zvinogadziriswa , asi coinsurance inoramba ichienderera mberi (kusvikira iwe uchinge uchinge wapedza pfuma yako yepamusoro).
Kana uchinge wasangana nehurukuro yako yegore, iwe hauna chikwereti chekubhadhara mari yako kusvikira gore raitevera (kana, pamusana peMedarereti A, kusvikira nguva yako inobatsira). Iwe unogona kunge uchiripo kubhadhara mamwe maitiro ekugovana-mari-soro sekubhadharwa kwemari kana kubhadhara mari, asi iwe unotsvaga unoitwa gore.
Iwe ucharamba uine chikwereti nguva dzose paunowana rubatsiro rwehutano. Nguva bedzi coinsuranceurance inomira apo iwe unosvika woutano hwako hwehutano huri kunze kwehomwe . Izvi hazvishamisi uye zvinongoitika chete kana iwe uine hutano hwakanyanya hwekutarisira mari.
Iyo deductible inogadziriswa, asi coinsurance inoshandiswa .
Your deductible ndiyo chigadziro chakatarwa, asi yako coinsurance isiri yemutengo. Kana iwe uine $ 1 000 inobviswa, inenge iine $ 1 000 pasinei nokuti mari yacho yakakura sei. Iwe unoziva apo iwe unyoresa mune chirongwa chehutano chaiyo zvakadini zvakakosha iwe.
Kunyangwe iwe uchizoziva kuti mari yako yehutori yehuwandu yehutano ndeipi apo iwe unyoresa muurongwa hwehutano, iwe hauzozivi kuti mari yakadini iwe chairo inokweretesa chero ipi zvayo yebasa kusvikira iwe uwana iyo basa uye mutero. Sezvo kubhadhara mari yako kune chikwereti chakasiyana, chikamu chebhadharo, iyo yakasimwa mari yacho, iyo iwe unowedzera kubhadhara mubhadharo. Izvi zvinoita kuti uwane mari yekutengesa riskire kubva pane zvakaoma kugadzirisa. Semuenzaniso, kana iwe une $ 20,000 chirongwa chekubhadhara, 30% yako coinsurance ichave inokwana $ 6,000 (asi zvakare, yako yose yakabuda kunze kwepahomwe haigone kudarika $ 7,150 muna 2017).
Deductible vs Coinsurance-Inofanana Sei?
Unobhadhara chikamu chemari yehutano hwako.
Deductible uye coinsurancei yose inoderedza mari yako hurongwa hwehutano huri kubhadhara kune kutarisira kwako nekuita kuti utore chikamu chebhuku. Izvi zvinobatsira chirongwa chako chehutano nokuti vanobhadhara zvishomanana, asiwo nokuti hauna mikana yekuwana rubatsiro rwezvehutano rwusingadikanwi kana iwe uchibhadhara imwe yemari yako pachayo kumutemo.
Chengeta zvichibva pane zvakaderedzwa muzinga, kwete chiyero chinowanzoitika.
Zvose zvirongwa zvehutano zvinotaurirana zvikwereti kubva kuna vanachiremba uye nevamwe vatapi vezvehutano mumugove wavo wekutengesa . Zvose zviri zviviri zvakabviswa uye yako coinsurance inofungidzirwa pamutengo wakaderedzwa, kwete paanowanzosvika.
Semuenzaniso, ngatitaurire kuti chiyero chechirongwa cheMRI scan is $ 500. Urongwa hwako hwehutano hunoenderana nehuwandu hwemadhora mazana 350. Paunowana MRI, kana iwe usati wambosangana newe, iwe unobhadhara $ 350 muMRI. Iko $ 350 inonzi yakatorwa iwe gore roga roga. Kana wakambosangana newe iwe wakabviswa kare asi iwe unobhadhara mari ye20%, iwe unokwereta $ 70 (iyo 20% ye $ 350 rekutsvaga.)
Chimwe chikanganiso chekubhadhara chinowanikwa apo vanopa utano hwehutano vanobhadhara mari yekutengesa pamutengo unowanzoitwa panzvimbo yekutengesa . Iko kukanganisa kunokonzera kuti iwe ubhadhere kupfuura iwe unofanirwa, saka kaviri kechipiri uongorore mabhiriro uye zvinyorwa zvaunowana kubva kune waunopa utano hwehutano uye nekambani yako ye inshuwarisi.
Yakarongwa naLouise Norris.
> Sources:
> Dhipatimendi reZvipatano uye Human Services, Mushonga Kudzivirirwa uye Anogadziriswa Care Care Act, Zvinyorwa zveBatsiro neKubhadharwa Kwemari ye 2016 .
> Dhipatimendi Rezvehutano neHuman Services, Mutevedzeri Wezvokuchengetedza uye Kutengeswa Kwezvokuchengetedza Mutemo, Chiziviso Chekubatsira uye Kubhadhara Zvikamu zve 2017.