Inishuwarenzi yehutano haibhadhara mari yako yese yeutano mari. Pane kudaro, unotarisirwa kutsika chikwereti kune chikamu chemari yekutarisira kwako kuburikidza nehutano hwehutano hwekugovana-kugovana zvakadai sekudhura kwako , kubhadharwa , uye kubhadhara mari .
Kubvira zvichitsvaga uye zvikwereti zvikwereti, hazvitore zvakawanda zvemasvomhu kuti uone kuti mari yaunofanira kubhadhara.
Imari ye $ 30 yekuzadza chiremba ichakutengesa $ 30 zvisinei nokuti mari yakawanda yeiyo mishonga yaive. Inishuwarenzi yako yehutano inotora imwe yose yebhuku.
Zvisinei, kuverenga yako yehutano inshuwarisi yekubhadhara mari yehutano inokosha. Sezvo kubhadhara mari inenge muzana yemari yakakwana yebasa racho, iwe uchabhadhara chikamu chakasiyana chekubhadharwa kwebasa rimwe nerimwe raunowana. Kana hutano hwehutano hwakagamuchirwa huri shoma, yako coinsurance haizove yakawanda. Zvisinei, kana hutano hwehutano hwakanga huchidhura, mari yako yemari inogona kuwedzera kuva mazana kana kunyange zviuru zvemadhora.
Iwe unofanirwa kunzwisisa kuti ungaverenga sei utano hwako hwehutano inshuwarisiro yehutano kuitira kuti uzive kuti uchabhadhara mari yakawanda sei uye iwe unogona kubhadharira.
Chokutanga, Tsvaga Coinsurance yako
Chokutanga, iwe uchada kuwana mari yako yehutoriko yekutarisira kwauri kuwana. Iwe unokwanisa kukwanisa kuwana izvi muKutsanangurwa kweBatsiro neKubatsira kwawakawana apo wakanyoresa muurongwa hwako hwehutano.
Dzimwe nguva unogona kuzviwana pahutano hwehutano inshuwarisi.
Chenjerera; mune dzimwe zvirongwa zvehutano, coinsurance inogona kuva imwechete yemari pasinei nemhando ipi yebasa raunowana. Semuenzaniso, 30% coinsurance yekupatara uye 30% coinsurance yezvinyorwa zvinodhaka zvinodhaka. Mune dzimwe zvirongwa zvehutano, iwe unogona kunge uine mari yakaderera yemari yehumwe hutano uye yezinga rakakwirira kune mamwe maitiro ebasa.
Somuenzaniso, iwe unogona kuva ne 35% coinsurance yekupatara, asi 20% chete kubvumirana kwekuvhiyiwa pane chirwere chekuvhiya kunze kwepakati.
Zvadaro, Tsvaga Mari Yekutarisira Kwako
Kana uchinge wakaziva mari yako yekutengeserana, iwe unofanirwa kuziva kuti mari yakawanda yehutano hwehutano hwawakagamuchira. Kana uri kushandisa in-network kupa , urongwa hwako hwehutano hwakatotaurirana nezvezvikwereti kubva kune uyo anopa. Tarisa yako yehutano inshuwarisi yebhadharo yekubhadhara yakabva kune iyo yakaderedzwa mudireji, kwete muzinga wakatarwa kune vanhu vasiri veurongwa hwehutano hwako. Tsvaga izvi mu-network kutengesa muwandu pane Tsanangudzo yeZvibatsiro zvakanyorwa se "chibvumirwe chakabvumirwa."
Kana usina kuwana hutano hwehutano huripo, hauzove neEOB kuti uone. Iwe uchada kubvunza wako wako kuti chii chiri mu-network rate yebasa iri. Zvimwe, webhusaiti yako yehutano wehutano inogona kunge ine muongorori wemari inokubatsira kuti uone mari yebasa zvichienderana neupi waunopa iwe. Kana zvisarudzo izvi zvisingashandisi kwauri, tarisa mamwe mazano mu " Tsvaga Kuwanda Kwekurapa Kwako Kunofanira Kudii ."
Pakupedzisira, Tora Mari Yako
Kuti uverenge mari yekubhadhara iwe unokwereta, iwe kutanga uchatora chikamu chako chepakati muchidimbu chekusimudza nekufambisa chikamu chemadhora nzvimbo mbiri kuruboshwe sezvizvi:
Percentage: | Chifananidzi cheDecimal Figure: |
15% | 0.15 |
20% | 0.20 |
25% | 0.25 |
30% | 0.30 |
35% | 0.35 |
40% | 0.40 |
45% | 0.45 |
50% | 0.50 |
Iye zvino, wedzera ichi chiyero chemari nechiyero chekuita kwehutano hwebasa:
Coinsurance chiyero (semuwandisi wemutengo) X mari yose yega = kubhadhara iwe unokwereta.
Mienzaniso
Urongwa hwehutano hwaAntoine hunoda 20% kudhura-kugovana kuti uzadze chiremba. Mishonga yake yose inodhura iri $ 150.
0.20 X $ 150.00 = $ 30.00
Coinsurance chiyero X chizere mari = coinsurance Antoine chikwereti.
Antoine ane chikwereti chemadhora makumi matatu (30 $) nokuda kwechirevo ichi.
Urongwa hwehutano hwaKensey hunoda 35% inodhura kugoverana kwezvipatara. Mari yose yekugara kwechipatara ichi $ 12,850.00
0.35 X $ 12,850 = $ 4,497.50
Coinsurance chiyero X chizere mari = coinsurance Kinsey ane chikwereti.
Kinsey achapa $ 4,497.50 mari yekubhadhara mari yepamusoro.
Zvinokonzera Kukubatsira Kwako Kubhadhara Kwakawanda
Usakanganwa kuti iwe unofanirawo kubhadhara yako deductible. Muzvirongwa zvakawanda zvehutano, iwe unofanira kubhadhara zvose zvakabviswa zvishoma asati urongwa hwehutano hwako hunotanga kubhadhara chikamu chemari yekutarisira kwako. Kana mushure mekunge makabhadhara zvizere zvekudzikinura iwe uchagoverana mari yekutarisira kwako neurongwa hwehutano hwako nekubhadhara coinsurance. Dzidza zvakawanda mukati, " Deductible-Chii Chaicho uye Iyo Inoshanda Sei ."
Kana iwe uine bhadharo yehutano yakakura chaizvo, huwandu hwenyu hwepachipfuti hunogona kutamba uye hudzivirire pane imwe yemari. Pane imwe nguva iyo inodonhedzwa, zvikwereti, uye mari yekubhadhara iwe wakabhadhara gore rino kuwedzera kusvika kune imwe yepamusoro-pfupa, zvido zvako zvekugovana mari zvakapera gore. Urongwa hwako hwehutano hunotora chikamu chezana chemazana emari yako yakavharwa mu-network kuchengetedza kwegore rose. Iwe haufaniri kubhadhara coinsurance, copays, kana kubviswazve kusvikira gore rinotevera ... kazhinji. Dzidza zvakawanda mukati, " Kubuda kwePocket Maximum-Kushanda Kwazvo uye Sei Tichifanira Kuchenjerera ."
Kuvonga kune Affordable Care Act , kunyanya kuchengetedzwa kwekuchengetedza kunofanira kuvharwa nehutano hwehutano usingadi kubhadhara mari, kubhadhara mari, kana kunyange kubhadhara. Izvi zvinoreva kuti haufaniri kubhadhara coinsurance pamusoro pezvinhu zvakadai sekuongororwa kwako gore negore, mammogram gore negore, uye zvirwere zvekudzivirira. Kunyange zvazvo zvingaratidzika sokuchengetedza kwekuchengetedza kwakasununguka, hazvisi. Pane kudaro, mari yekubvisa kwekuchengetedza iyo inowanikwa mumwedzi wako wehutano inshuwalisi yehutano kana iwe usingashandisi kutarisira.