Vanogona Kuwedzera Kuwedzera kuUtano Inishuwarenzi, Asi Iwe Hungave Uchida Mumwe
Supplemental inshuwarisi inowedzera kana humwe yveshuwarisi iyo iwe unogona kutenga kuti ikubatsire kubhadhara mabasa uye kunze kwehomwe mari yaunogara uine inshuwarisi yako nguva dzose.
Zvimwe zvekuwedzera zvikwata zvehushuwarisi zvingabhadhara mari yekunze-ye-pocket yezvokurapa, zvakadai sededucbles, mitsara, uye coinsurance. Zvimwe zvikwata zvekuwedzera zvinogona kukupa mari yekubhadhara yakabhadharwa kwenguva yakareba kana kupiwa iwe mune imwe chikwama.
Mari yacho inogona kushandiswa kuvhara mibairo yakarashika, kutakurwa kwakabatana nehutano hwako, kana kushandiswa kubhadhara zvokudya, mishonga, uye zvimwe zvisingatarisirwi mari yaunokonzera kurwara kana kukuvara.
A Dr. Mike Tip: Supplemental inshurenzi ndeyekuti - kuwedzera, kana kuwedzera. Haisi kutsiva kwehutano inshuwarhu!
Medigap - Medicare Supplemental Inishuwarenzi
Imwe yezvinonyanya kuwanda zvekuwedzera inshuwarisi ndeye Medigap , iyo inogona kutengeswa nemakambani einishuwarenzi yega yega kune vanhu vakanyoreswa kuMutambo weMedare (Medigap zvirongwa hazvikwanisi kuwirirana neMirongwa Advantage zvirongwa).
Pakutanga Medicare (iyo inosanganisira Chikamu A Ahurumende yeArpital Insurance uye Chikamu B Inishuwarenzi yeArape ) inokweretesa kune vakawanda, asi kwete yose, zvese zvine chokuita nehutano nemishonga. Iwe unogona kutenga supplemental inshuwarisi yepamusoro kuti uvhare zvimwe kana zvose zvekunze kwemahomwe iwe unogona kunge uine pasi peMutambo weMutambo-kureva, "zvipembenene," zvinosanganisira mapepa, mazano, uye kubhadhara.
Izvi zvinogona kuwedzera kusvika kune zvakawanda zvekunze-zve-podhazvino, kunyanya kana iwe uri muchipatara kana unoda mazano ekurapa maimba ekurapa.
Uye zvakakosha kuziva kuti hakuna mhedziso yekukwirira kwokuti mari yako yekunze-ye-pocket inogona kunge iri pasi peMutambo weMedare pasina chirongwa cheMedigap (kusiyana nemagadzirirwo e Medicare Advantage uye yega yega inshuwarisi yevanhu vanopfuura 65, ye-e-pocket exposure ).
Nenzira yakawanda, Medigap inoronga kungotora kunze kwe-podha mari yebasa risati rafukidzwa neMedare (kureva, havabhadhari zvinhu izvo Medicare hazvifukidze zvachose), asi mamwe maMedigap nemitemo ichabhadharawo kune dzimwe nheyo dzehutano kunze kweUnited States, iyo isiri iyo yakafukidzwa neMurere. Kana iwe wakanyoresa kuMutambo Wemagetsi (Zvikamu A uye B) uye une chirongwa cheMedigap, kutanga Medicare kuripa chikamu chayo chemishonga-Medicare-inogamuchirwa nemari yako yehutano yakavharwa. Zvadaro mutemo wako weMedigap unobhadhara chikamu chazvo chemari.
Iko ikozvino zvirongwa zveMedigap zvinowanikwa izvo zvichafukidza zvose zvekunze kwemahombekheni ekubhadharwa kweMedicare services, asi zvirongwa izvi hazvizogoni kutengeswa sa2020, zvichibva pamutemo we Medicare Access uye CHIP Reauthorization Act ya 2015 (MACRA) . Kubva muna2020, hapachazove neveMigigap zvirongwa zviripo izvo zvinovhara Medicare Part B inotsvaga.
Parizvino, Medigap Plans C uye F dzinosanganisira kugoverwa kweChitatu B inotsvaga. Vanhu vanenge vagara vane Medicaid zvirongwa zvekuguma kwe 2019 vachabvumirwa kuchengetedza, asi vanyori vatsva havazobvumirwi kuzvitenga muna 2020 kana kupfuura. The Medicare Part B inotengesa iri $ 183 muna 2018; inowanzowedzera zvishoma gore negore.
Kazhinji Nyaya Dzose dzeAddingal Inshuwarisi
Kunze kwemitemo yeMedigap, mamwe matatu matatu ehutano hwehutano hwehutano hutengeswa zvikuru muUnited States Iyi mitemo yekuwedzera inogona kuwanika sezvipo zvinokubatsira kubva kune waunoshandira kana iwe unogona kutenga zvakananga kubva kune kambani yveshuwarenzi.
Critical Illness Insurance
Inorwarisano yehutano inshuwarheni (inozivikanwawo seishuwarisi yakajeka yehutano) inofanirwa kuvhara mutoro wemari wehutano hwakakomba, hwakadai sekenza. Iyi mitemo inogona kupa mari yakawanda yekubhadhara mari yekukubatsira iwe kubhadhara mari yakawedzerwa yakabatana nechirwere chako asi haifaniri kugadziriswa neurongwa hwako hwehutano hwehutano kana hutachiona hwekuremara.
Zvichienderana nehuwandu hwematongerwo enyika, kugoverwa kunogona kushandiswa kubhadhara:
- kudzikinurwa
- kunze-kwe-network nyanzvi
- kufamba uye kugara kana chirwere chiri kure nemusha
- kuedza kurapwa, kazhinji kunobatana nekenza yepayipi
- kuchengetwa kwevana uye rubatsiro rwemhuri
- zvipenyu zvinowanzogara, zvakadai sekubhadhara motokari yako, kushandiswa kwemari, uye kugadzirwa
Mamiriro ehutano ekufa
Kune marudzi maviri emitemo yematambudziko, kusanganisira Accidental Death uye Dismemberment Insurance (AD & D) uye Accident Health Insurance. Vanowanzounganidzwa uye vanotengeswa pamwechete. Zvikomborero zvinosiyana kubva munharaunda zvichienda kune imwe nyika nekuda kwemitemo yemishuwarenzi yemo.
Nhaurirano yekufa uye kukanganisa inokubhadhara iwe gorosi yemari inobhadharwa mari kana iwe iwe unonzi iwe unobatsirwa nemumwe munhu akafira munjodzi. Iyi mitemo inogonawo kubhadhara zviduku kana munhu wacho asina kufira pangozi asi akarasikirwa nemuviri, maziso, kana kuti akaora mwoyo zvachose. AD & D inshuwarheni haibhadhara kune chero rufu rwakabatana nehutano, kuzviuraya, kana zvikonzero zvechisikigo.
Njodzi yunishuwarenzi yezvokurapa (inozivikanwawo sechipatara chechipatara chekubhadhara mutemo, kana kungoerekana yawedzera pangozi) inogona kubhadhara mari yekurapa inokonzerwa nenjodzi isingasviki nehutano hwehutano hwehutano. Mimwe yemitemo iyi inogonawo kubhadhara mabasa akawanda ekuchengetwa kwevanhu, uye kufamba uye kugara kwemhuri dzemhuri.
Njodzi yekuwedzera mitemo yakakurumbira nevanhu vane utano hwakanaka vanozvitenga zvirongwa zvehutano hwehutano hwepamusoro-ductible; njodzi dzinogona kuitika kune vanhu vane hutano hwakanaka, uye kuwedzera kunogona kubatsira kubvisa zvose kana chikamu chezvakabviswa uye zvimwe zvekunze kwepasitori pasi pehutano hwehutano hwehutano.
Chipatara Indemnity Insurance
Chipatara Indemnity Inishuwarenzi (inozivikanwawo seIndaneti Confinement Insurance) inopa mari yekubhadhara kana iwe "ukavharirwa" kuchipatara nekuda kwechirwere kana kukuvara kwakakomba. Mari yekubhadhara mari - yakabhadharwa mumutengo mumwe chete kana sehomwe yega yega kana yevhiki - inogona kusati yatanga kusvika mushure mekuda kwenguva shomanana yekumirira. Kufanana nemamwe marudzi ekuwedzera inshuwarisi, kuwedzerwa kwekuwedzera kunoreva kukubatsira kubhadhara mabasa uye zvinhu zvinodiwa zvisingabatanidzwi neurongwa hwehutano hwako nguva dzose, asi kuwedzeredza kugoverwa hakuzombokwanisi kuva iwe chete inopa inshuwarisi.
Mutengi Chenjerera - Iwe Hungave Uchinyanya Kuwedzera
Supplemental zvirongwa zvehutano hwehutano zvinokurudzirwa zvakanyanya mukuratidza-ku-kutengesa vatengi. Vazhinji veAmerica vanoziva neDhadha yeAflac, chiratidzo chekutengeserana chakabatsira Aflac kuva guru guru rekuwedzera inshuwarisi muUnited States.
Kunyange zvazvo dzakawanda zvekuwedzera mitemo isinganyanyi kudhura, kudzokorora kudarika kungave kusingakoshi. Kana uri wepfuura makumi matanhatu nemashanu uye une Medicare, unogona kuwana huwandu hwakazara hwehutano hwaunoda kuburikidza nekutenga mutemo weMedigap wakazara kana kunyora mune chirongwa cheMederal Advantage.
Nhanho yako yekutanga ndeyekuti iwe nevemhuri yako makachengetedzwa neurongwa hwehutano hwehutano. Kana uchifunga kuti unoda kuwedzera inshuwarisi, unofanira kuzvibvunza mibvunzo inotevera:
- Kana ini kana nhengo yemumhuri ichipinda muhope kana kuti ine chirwere chakakomba, chirongwa changu chehutano chaihwo chichavhara mari yekurapa here?
- Ndine nzira yekuvhara mari yekunze-ye-pocket iyo inenge ichishandiswa pasi pesarudzo yangu yehutano yezvino, pamwe chete nedzimwe mari dzinogona kufamba pamwe nekurwara uye / kana kuti kusina kubasa kwenguva yakareba?
- Zvingave zvakadini kuti ini kana nhengo yemhuri yangu ichange iri pangozi yakakomba kana kuti ipe chirwere chikuru?
- Iko mari yakawedzerwa yehuwandu hwehuwandu hweinishuwarenzi inonzwisisika kwenguva yakareba here?
Kuwedzerwa, asati atenga kuwedzera kwemitemo, zvakakosha kunzwisisa zvinokanganisa uye zvakabatsiro zve inshuwarisi yakadaro. Semuenzaniso, rako rekuwedzera remutemo harifaniri kuvhara zvose zvaunotarisira; iyo inogona kumisa nguva yekumirira kusati kwatanga mari; kana, ane mitsara yakaenzana nemari yawakabhadhara uye kwenguva yakareba sei.
Ngwarira kuti inslemental inshuwarisi haisi kutongerwa neAne Affordable Care Act. Izvozvo zvinoreva kuti zvirongwa zvekuwedzera zvinogona kugadzirisa kukodzera pane zvakaitika mune zvehutano, kuisa miganhu pamamiriro ezvinhu aimbovapo, uye-nemamiriro chaiwo ezvirongwa izvi-zvigadziro zvitsva pane zvakaderera pasi. Zvakajairika kuona zvirongwa zvekuwedzera pamwe nemiganhu inobatsira iyo inotangira kubva kumazana mashoma madhora kusvika kumazana mashoma madhora madhora. Zvirongwa izvi zvingave zvakanyanya kuwedzera kuhutano hwehutano hwehutano hwaunahwo, asi hahuna kumbofanirwa kumira uri woga sehuwandu hwekugovera. Havasi ivo vanonyanya kukosha kugoverwa, saka vanhu vanovimba navo pasina ruzivo rumwe ruchava pasi pekutonga kweAAA pamutemo wega wega kuti vasaiswa.
Usati usayina pamutsara wakajeka, iva nechokwadi chokuti unonyatsonzwisisa zvikwereti uye kukwana kwe inshuwarisi. Uye, chenjerera duck poop!
A Dr Mike Suggested Resource
Sangano reNational Association of Insurance Commissioner rine bhurocha rakanakisisa riri mumutauro: A Shopper's Guide to Cancer Insurance .
> Sources:
> Congress.gov. HR2, Medicare Access uye Mutemo weCIP Reauthorization Act wa2015.
> Medicare.gov. Chikamu B Zvinotarisirwa.