Mumakore mashomanana apfuura, pane nhau dzakawanda mumashoko ezvezvipatara achikumbira varwere kubhadhara zvigadziriswa avo vasati vatariswa. Sei izvi zvichiitika, uye vatengi vanofanira kuziva chii kuti vawane nzira yehutano yezvino?
Nzira Yaive Yakashanda Kuva
Munguva yakapfuura, yaive yakagamuchirwa kuti varwere vaitarisirwa kubhadhara makopi avo panguva yebasa, asi mitsara iyo inotarirwa kune iyo inodhakwa ingadai yakabhadharwa mushure mezvo.
Saka kana chirongwa chako chehutano chaiva ne $ 20 copay yekushanyira hofisi, hofisi yechiremba yaizounganidza iyo paunosvika pakugadzwa. Asi kana chirongwa chako chaiva ne $ 2,000 chakabviswa uye iwe waipinda mairi kuti uvhiwe, iwe hauzobhadhara chinhu panguva yekuvhiyiwa, asi unogona kuwana bhadharo kubva kuchipatara kwemavhiki mashomanana gare gare.
Chokutanga, vangatumira kudai kumubhizimisi wenyu, apo mutengo unobvunzurudzwa waizoverengerwa uye muyero pane izvo zvaizobviswa. Zvadaro mubhadhari wacho aizoripira chikamu chavo, uye azivise chipatara nezvemugove wemurwere wemutemo. Panguva iyoyo, chipatara chacho chaizokutumira mushumo wekutora kwako uye chero chekubhadhara mari.
Nei Varwere Vanowedzera Kuzadzirwa Mberi?
Iwe unogona kuve uchiona kuti chipatara chako chinoshandisa nzira yemagariro yekumirira kukutumira iwe mushumo kusvikira mushure mekutora kwako kwapera uye iwe inshuwarisi yekambani yakashandisa bhiri yako.
Asi zviri kuwedzera kune zvipatara kukumbira kubhadhara-chikamu kana zvakakwana-chekudhara iwe usati wagadzirirwa mazano ekurapa.
Izvi zvinokonzerwa nemhando dzakasiyana-siyana, kusanganisira kuwedzera mari yezvokurapa uye kuwedzera kudhakwa uye kubhadhara mari yose. Asi kazhinji, pfungwa yacho ndeyokuti zvipatara hazvidi kuti zvibatanidzwe nezvikwereti zvisina kubhadhara.
Vanoziva kuti mushure mokunge maitiro acho apera, varwere vanogona kana vasingakwanisi kubhadhara chikamu chemari yavanofanira kubhadhara. Chipatara chinogona kutumira varwere kuunganidzwa, asi kuwana kubhadhara mberi ndiyo nzira inobatsira yekuvimbisa kuti mutero unobhadharwa.
Chii Chandinofanira Kuita Kana Chipatara Ichikumbira Kubhadhara Mberi?
Zvakanaka, ichi ndicho chinhu chaunoda kuzokurukura nehofisi yekubhadhara chipatara zvakanaka nguva isati yasvika. Kuwana maawa gumi nemasere usati wambovhiyiwa kuti chipatara ichida kuti iwe ubhadhara $ 4,000 yako yakakonzerwa nokukurumidza ichinetso chakaoma, kutaura zvishoma.
Kana uri kuronga nzira yezvehutano apo yako yakabviswa inoshandiswa, bvunzisisa pamusoro pemitemo yechipatara kubva pakutanga. Taura nemubatsiri wako kuti uone kana vane chibvumirano chekubvumirana nechipatara chinoda kuti mutemo wacho uendeswe kune inshurensi mushure mekunge murwere atongerwe. Kana zvisingaiti, chipatara chinogona chaizvo kuti iwe ubhadhara chikamu chikamu chekudzvara mberi.
Kana usina chokwadi, zvakare kuchenjera kutaura nehurumende yehurumende yveshuwarisi kuti uone kana vane mazano pamusoro pemitemo nemitemo muhurumende iyo inobata maitiro ekubhadhara kurapwa. Kana uchiwedzera kuziva, zviri nani iwe uchakwanisa kufamba nenzira.
Iwe Uchaita Zvakawanda Zvii?
Bvunza chipatara kuti akupei kuongororwa kwezvaunofanira kuita, uchiyeuka mupfungwa kuti kukurukurirana mari yezvokurapa yakaderera zvakanyanya kudarika zvekutengesa. Semuenzaniso, ngatitaurire kuti iwe wakabhadharwa $ 5,000, uri kuronga MRI, uye iwe hausati wakabhadhara chero chinhu chaunotora kubva mugore rako. Ivhareji mari yeMRI inopfuura madhora 2 600, kunyange zvazvo yakasiyana zvikuru kubva kune chimwe chipatara kuenda kune imwe. Uye chero zviyero zvipi zvipatara zvinotarisirwa zvinogona kunge zvakanyanyisa kudarika zvinotarisana nehutano iyo inshuwarisi yako ine chipatara ichocho. Chipatara chinogona kubhadhara madhora 2 000, asi iyo inshuwarisi inotarisana nemari inogona kuva $ 1,295, somuenzaniso.
Muchiitiko ichocho, mari yaunofanirwa kuribhadhara kune yako yakabviswa inenge iri $ 1,295, kwete $ 2,000 .
Iyi haisi nyaya chaiyo kana iwe uine nzira iyo yakawanda kakawanda inodhura kupfuura yako deductible. Kana iwe uri kuda kugadzirisa mabvi, iyo inosvika inenge $ 50,000, uye yako yakagadzika iri $ 5,000, iwe uchafanira kubhadhara zvakakwana zvakakonzerwa. Chipatara chinogona kukukumbira kuti iwe ubhadhe zvose kana chikamu chayo mberi, kana kuti vangazokubhadhara mushure mokunge vatumira kudai kune inshuwarisi yako, asi hapana chaunotarisana nacho chokuti iwe uchazobhadhara $ 5,000.
Mumuenzaniso wekare pamusoro peMRI, zvisinei, mari chaiye yaunofanira kubhadhara haina chokwadi kusvikira wako inshuwarisi akashandisa kudai. Kana chipatara ichikukumbira kuti ubhadhe chikamu chako chawakabviswa kare uye hachina kunyatsojeka kuti unotora chikwereti zvakadini, iva nechokwadi chokuti unokurukura mamiriro ako nemupurisa wako asati apa chero mari kuchipatara. Imwe nzira kana imwe, iwe unoda kuve nechokwadi kuti uri kungobhadhara mari iyo iyo insurer yako yeEOB inokuti iwe une chikwereti, panzvimbo yehuwandu iyo chipatara chinopomerwa.
Pane Urongwa Huripo Iripo Here?
Zvipatara zviri kuwedzera kushanda nemabhangi kuti zvive zvirongwa zvekubhadhara varwere vanozvida, kazhinji vasina rufaro uye nekuwanikidzwa kunenge kusingagumi kubva munhoroondo yekwereti yemurwere. Kana chipatara ichikumbira kuti iwe ubhadhara yako yakagadzirirwa pamberi pekurapa uye hapana nzira chaiyo yaunokwanisa kuita, vvunze pamusoro pekugona kwerongwa hwekubhadhara.
Chipatara chinoda kuti iwe uwane rubatsiro rwaunoda uye uwane zvakanaka, asiwo haadi kuti uwane chikwereti chakaipa kana iwe usingakwanisi kubhadhara chikamu chako chebhadharo. Chirongwa chekubhadhara chinoita kuti varwere vatambanudze bhiri ravo kwemwedzi inoverengeka kana kunyange makore inoshandiswa kune murwere achienda asingatarisiri kana chipatara chisati chabhadharwa zvachose. Kana iwe usingakwanisi kubhadhara mari yavari kukumbira, tsanangurai mari yaunogona kubhadhara, uye bvunza kana vachizokubvumira kuronga mari yevamwe.
Bvunza kana pane mumiririri wemhosva kana wehutano wehutano muchipatara uyo anogona kubatsira varwere mukufamba nenzira yekubhadhara uye yekubhadhara. Iwe haufaniri kuverenga izvi kunze chete, uye zvinogona kuitika kuti zvipo zvekubhadhara zvipatara zvinogona kunge zvakanyatsochinja pane zvavanotanga kuonekwa.
Zvichienderana nemamiriro ako emari, iwe unofanirawo kubvunza pamusoro pechirongwa chekuchengetwa kwechipatara, kana kuti vanogona kunyora chikamu chemari yako zvichienderana nemari yako.
Zvipatara Zvingaita Kuti Urege Kunyatsotarisirwa Kubva Mune Mano Okubhadhara Here?
Pane dzimwe nguva kusanzwisisika pamusoro pemitoro yezvipatara maererano nekutarisira zvisinei nokuti muroti anokwanisa kubhadhara sei. Kubva muna 1986, Emergency Medical Treatment uye Labor Act (EMTALA) inoda zvipatara zvose zvinogamuchira Medicare (iyo inenge zvipatara zvose muUnited States) kupa huongorori nekugadzirisa hupi kune vanorwara vanosvika mune imwe nzvimbo yekukurumidzira, kusanganisira vakadzi vari kushanda kushanda, pasinei nehutano hwehutano hwemurwere kana kukwanisa kubhadhara kutarisira.
Imba inoparidzirwa inofanirwa kuvhara varwere vose kuti vaone chinetso chacho, uye kupa hurumende micheche-havakwanisi kurega murwere achienda kurufu pasi pasi nekuda kwekushaya mari. Asi haafaniri kupa chero chinhu chinopfuura chekugadzikana kana vasina chokwadi chokuti murwere achakwanisa kuribhadhara, uye EMTALA haina kuendesa kune chero hupi zvayo kunze kwekukurumidza kushanda.
Saka chirongwa chekurapa chisati chagadzirirwa hachizozviisa pasi pemitemo ipi inoda kuti zvipatara zvive nehanya pasinei nekukwanisa kwomurwere kubhadhara.
Kuwedzera Deductibles Kuisa Mishonga uye Zvipatara mune Chigarire Chimiro
Nhamba isingatenderwi yakaderera zvikuru kubva paChechi chakanaka Chakuchengeta Care yakashandiswa. Maererano neUnited States Census data , 14.5 muzana yevanhu vemuUnited States vakanga vasina kuvimbiswa muna 2013, uye izvo zvainge zvasvika ku8,6 muzana muna 2016. Kunyange zvazvo izvozvi pasina mubvunzo chinhu chakanaka, vamwe vevanhu vatsva vashandi vakanyanya zvikuru kubva kunze kwehomwe mari.
IAACA inogadzirisa kuti in-in-out out of of-pocket cost can be , asi muganhu pachayo wakanyatsokwirira. Muna 2018, zvirongwa zvehutano zvinogona kunge zvisina mari yakawanda yepamusoro ye $ 7 350 kune mumwe munhu uye $ 14,700 pamhuri. Uye zvegore ra2019, HHS yakaronga kuwedzera izvo zvinyorwa zvepamusoro kune $ 7 900 uye $ 15,800, maererano. Zvizhinji zvehutano zvirongwa zviri kunze kwemahombekombe zvakaderera zvakaderera pasi pezviyero izvi, asi zvigadziriswa pamapurogiramu ezvimwe marongerwo emakambani kazhinji zvinowanzova zviuru zvemadhora ( kugovana-kugovana kudhura kunoderedza zviduku zvinokonzerwa nevanhu vanofanirwa nazvo, chero bedzi vanosarudza sirivha ronga mukutengesa).
Zvirongwa zvinotsigirwa nevevashandi vanofanira kugara nekambani yeAACA pamitengo yekunze-ye-pocket zvakare, asi inowanzova nemari inodhakwa uye yekunze-ye-pocket inoderera kupfuura iyo iri mumusika mumwe nomumwe. Muna 2017, chiyero chekudzikinurwa kwevanhu nevashandirwi-vanochengetedzwa nehutano inshuwarisi chaiva $ 1,221, asi izvozvo zvaisanganisira nekomborero 19 muzana yevashandi vakavharwa vasina chekudzikinurwa zvachose. Apo patinongotarisa 81 kubva muzana yevashandi vakavharidzirwa vanochera, vhidhiyo yavo inowanikwa inodarika $ 1,500.
Asi iyo Federal Reserve yakashuma muna 2017 kuti 44 muzana yevakabvunzwa ku Survey of Household Economics uye Kuita Zvisarudzo haikwanisi kuuya ne $ 400 kuti ivhare mari isingatarisirwi, kana kuti inofanira kutengesa chimwe chinhu kuitira kuvhara mari. Izvo zvinopa conundrum apo vanhu vane zvisingatarisirwi asi zvinoda kurapwa uye zvakakosha zvakakonzerwa.
Inopawo chikwata chezvipatara-chinotarisirwa kune rumwe rutivi nekupa hutano kune vagari vomunharaunda, asiwo inoda kuunza mari yakakwana yekugara mune zvemari. Kuda kubhadharwa kwepamusoro kwechikamu chikamu chekudzikinurwa inzira imwe yezvipatara kunzvenga mamiriro ezvinhu umo varwere vanoguma vasingagoni kubhadhara mabhiriro avo.
Funga nezveHSA Kana Ukawana HDHP
Kana wako mushandi achipa chirongwa cheHSA chepamusoro-soro chakakosha (HDHP) , kana kuti iwe uri kutenga yako yehutano inshuwarheni mumusika mumwe nomumwe, funga kuinyora mune HDHP. Havasi vakakodzera zvakakwana kune vose, asi kana iwe wakafukidzwa neHDHP, iwe unogona kugovera mari isati yatora kune imwe HSA, uye ichave iri kana iwe uchida.
Muna 2018, unogona kuwedzera kusvika ku $ 6 900 kuenda kune HSA kana iwe uine mhuri yekuvhara pasi pasi peHDHP, uye kusvika kusvika $ 3 450 kana iwe pachako uine humwe humwe humwe huwandu hweHDHP. Kunyange kana uchikwanisa kupa mari shoma mwedzi mumwe nomumwe, ichawedzera pane nguva, uye hapana "unoshandisa kana kurasikirwa nayo" urongwa-mari inoramba iri munyaya yako kusvikira kana uye paunoda kuibvisa. Iwe unogona kuvaka chikwata muHSA paunenge uine chinyorwa pasi peHDHP, uye uchibvisa pane imwe nguva inotevera kuti uone nezvemari yekurapa yeramangwana, kunyange kana iwe usisina huwandu hweHDHP panguva iyoyo.
Saka nharaunda inotora pano ndeyokuti kana iwe uine ruzivo rweHSA-chirongwa chakakodzera, kunyora mairi nekuita zvipo kuHSA zvichaita kuti zvive nyore kubata nemamiriro ezvinhu angangouya mune izvo zvipatara zvinokumbira nokukurumidza kuti ubhadhe zvakakosha chunk yemari mberi musati mawana kurapwa.
Kana iwe wako waunoshandira achipa uye FSA, iyo ichinhu chakanaka, asi ramba uchiyeuka kuti kusashandiswa kwemari muHSA yako kuchagara munhoroondo kubva kune rimwe gore kuenda kune inotevera- hazvisizvo neFSA mari .
> Sources:
> Bhuku reGurumende reStart Reserve System. Press Press Release. Federal Reserve Board inoti Hurukuro pamusoro peHurumende Zvakanaka-Kuve kweAmerica Mhuri. May 19, 2017.
> Federal Register. 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.
> Federal Register. Proposed Rule: Murwere Anodzivirirwa uye Anonyanya Kutarisira Care Act; HHS Cherechedzo yeBatsiro neKubhadhara Zvirongwa zve 2019. November 2, 2017.
> Kaiser Family Foundation. Mushandi Wehutano Mazano, 2017 Ongororo yegore negore. Svondo 19, 2017.
> United States Census Bureau. Health Insurance Coverage muUnited States: 2016 . Svondo 12, 2017.