Kana inshuwarisi yako yehutano inouya neye kana kuti yakawanda inodhakwa, iwe unopedzisa kubhadhara mazana mashomanana emadhora kune zviuru zvinodarika madhora. Kunzwisisa kuti ichi chinotsvaga chii, kuti chinoshanda sei, kana iwe uchifanira kuchibhadhara, uye kana usingabhadhari kuri chikamu chekushandisa inshuwalhu yako yehutano nekuchenjera.
Chii Chinonzi Utano Woutano Deductible?
Mari yako yakagadzirirwa inotarisirwa iwe unofanirwa kubhadhara gore roga roga kumabhadharo emitemo yako yehutano yehutano usati utano hwehutano hwehutano huchikwerera zvachose uye hutanga kuripa (kana iwe wakanyoresa ku Medicare, chikamu A deductible chinoenderana nekubatsira nguva panzvimbo pegore rekarenda ).
Kuti Deductible Works-Muenzaniso
Ngatitii hutano yveshuwarhu yako inoda $ 1000 pagore deductible, uye zvose zvisiri zvekudzivirira zvinotarisirwa ku deductible.
- MunaJanuary, unowana bronchitis.
- Zvose mari = $ 200. (Chiremba, chiremba.)
- Iwe unobhadhara $ 200.
- Inishuwarenzi yako yeutano inopa $ 0.
- $ 200 inonzi kubhadharo yako.
- $ 800 vakasara vasati vatsaurwa vasangana.
- MunaMuvhuro, unowana bundu riri muchifuva chako. Bundu racho rinobuda kunze kuti rive rakanaka; iwe une utano.
- Zvose mari = $ 4,000. (Vanachiremba, miedzo, biopsy.)
- Unobhadhara $ 800. (Zvino iwe wakasangana ne $ 1000 yako yakabviswa.)
- Iwe unobhadhara chero mapepa kana chekusimudziro yako chirongwa chehutano chinoda.
- Inishuwarenzi yako yehutano inobhadhara chikamu chesebhadharo.
- MunaSeptember, iwe unovhuna ruoko rwako.
- Zvose mari = $ 2,500. (Emergency room, doctor, X-ray, cast.)
- Iwe unobhadhara mapayiniti uye coinsurance, asi hapana deductible.
- Inishuwarenzi yehutano inopa mubhadharo wose mushure mekubhadhara mari yako uye coinsurance.
- Zvichitevera January, iwe uchatanga basa racho zvakare.
Mune zvirongwa zvehutano zvakawanda, kana wave wakabhadhara iyo yakabviswa kwegore, iwe wapedza nemari yakakodzwa kusvikira gore rinotevera. Gore roga roga, chirongwa chehutano chinogadzirisa chitsva chinobviswa. Dzimwe nguva zvakaenzana zvakafanana negore rakapfuura; dzimwe nguva inoenda kumusoro.
Mhando dzakasiyana dzeDeductible
Zvimwe zvirongwa zvehutano zvine marudzi anopfuura imwe ezvakabviswa.
- Gore negore Deductible
Ichi ndicho chinonyanya kuwanikwa che deductible uye ndicho chinotsanangurwa mumuenzaniso wepamusoro.
- Per-Episode Deductible
Kusiyana negore rinopedzerwa, gore rimwe nerimwe unotora zvinotora zvinoitika nguva dzose paunowana rudzi rwemhando yebasa. Somuenzaniso, inshuwarisi yehutano inogona kukumbira $ 1 000 inobviswa nguva dzose paunenge uri muchipatara (zvimwe zvirongwa zvicharatidzika kune iyi semapayipi panzvimbo iyo, asi hukuru hwemhosva hunoreva kuti kubva kumutengi unotarisa, zvakangofanana neducuctible). Per-episode deductibles hazvizivikanwi kudarika zvinokonzerwa gore negore, kunyange zvazvo sezvataurwa pamusoro apa, Medicare Chikamu A inotarisa kubhadharwa kubva pane nguva dzinobatsira panzvimbo pekuvhura kwemakore.
- Out-Of-Network Deductible
Zvimwe zvirongwa zvehutano, PPOs kunyanya, zvine gore rimwe chete rinokonzerwa nekuchengetedza kwaunogamuchira kubva kune-network network vanachiremba uye gore rinopfuura rakaderedzwa rekuchengetedza raunowana kubva kunze kwe-network providers.
Somuenzaniso, kana chirongwa chako chehutano chiine $ 1 000 in-network gore rakabviswa uye $ 2,000 kunze kwe-network kubviswa, urongwa hwako hwehutano hunotanga kubhadhara yako ye-innetwork utano hwakanaka mushure mekunge wakabhadhara $ 1 000 kune yako in-network bills . Kana iwe ukatanga kutarisa unyanzvi hwekunze-we-network, iwe unofanirwa kubhadhara $ 2,000 kune iyo kunze-ye-network kuchengetedza usati urongwa hwehutano hwako huchatanga kutanga kubhadhara chero chinhu chekunyorera kwako.
Iyo $ 1 000 yawakatobhadhara sewe-network deductible haina kuverenga kune yako kunze kwe-network deductible.
Mune dzimwe zvirongwa zvehutano, chero chikwereti chaunobhadhara kune yako kunze kwe-network deductible chinowedzerawo kune yako in-network deductible. Mune dzimwe zvirongwa zvehutano, izvozvi zviviri zvinokonzerwa zvakakwana zvachose (cherechedza kuti dzimwe zvirongwa hazvirevi kunze kwe-network-kutarisira zvachose, izvo zvinoreva kuti iwe unenge uine mutoro wevose mushumo-usina chikwata pane kunze kwe -pocket mhosva-kunze kwekuti iri mamiriro ezvinhu epamuviri).
- Mhuri Deductible
Kana hutano hwehutano inshuwarano hunofukidza mhuri yako yese, zvinogona kuuya nemhuri inokwaniswa.
Mhuri dzinokanganisa dzinoshanda zvakasiyana nedzimwe dzoga dzinobviswa uye dzinouya mumhando dzakasiyana dzakadai sedharedhi rakabatanidzwa uye yakawanda inokonzerwa . Dzidza zvakawanda mu " Mhuri Yenyu Inopedzwa Sei ?" Cherechedza kuti Affordable Care Act inoda zvirongwa zvehutano kugadzirisa kusarirwa kwemunhu mumwe chete kunze kwemari (kune-in-network care) mugore rakapiwa, kunyange kana munhu iyeye akafukidzwa neurongwa hwemhuri hunotorwa nemhuri.
Kwegore ra2017, chikamu chapamusoro ndeche $ 7,150 mune zvekunze-zve-pocket mari yemunhu mumwe chete, kusanganisira deductible, copays, uye coinsurance. Kune 2018, ichava $ 7 350. Iyo yakagadzirirwa kuti munhu mumwe chete angada kudiwa kubhadhara inogona kunge yakakwirira semari iyo, asi hapana yakakwirira.
Ndeipi Usingabhadhara Deductible?
MuUnited States, nokuda kweAne Affordable Care Act , haufaniri kubhadhara deductible paunowana rubatsiro rwekuchengetedza kwekuchengetedza kubva kune-in-doctor chiremba. Zvinhu zvakadai semakore ako ekuongorora mammogram , iyo colonoscopy inowanikwa apo iwe unosvitsa makore makumi mashanu, uye gore rako rose chirwere chinoputika hachizviisi pasi pezvakabviswa. Urongwa hwako hwehutano huchabhadhara nekuda kwezvibato zvekudzivirira kunyange kana iwe usati wambosangana nemari yako yakabviswa.
Zvimwe zvirongwa zvehutano, zvikurukuru mamwe maHMO , hazvidi kuti zvigadziriswe zvachose. Zvisinei, zvirongwa izvi zvinowanzobhadhara mapepa ezvinhu zvakadai sechiremba anoshanyira, zvinyorwa, nzvimbo dzekukurumidzira, uye zvipatara.
Chii Chisingagoni Kuverenga Kune Deductible?
Utano hwehutano husingabatsiri hutano hwako hwehutano hahurevi kuhutano hwehutano hwehutano huchitsvaga kunyange iwe wakabhadhara ivo. Somuenzaniso, kana inshuwarano yehutano isingabvi mabhandi emasheti akaiswa, iyo $ 400 yaunobhadhara imwe yezvinyorwa zvakatemwa nemurwi wako wemapurisa hazvirevi kune yako yakabviswa. Saizvozvowo, kana hurongwa hwako hwehutano husingaregi kutora-ye-network kuchengetedza, chero chikwereti chaunobhadhara kunze kwe-network-kutarisira hachizoverengwi kune yako yakabviswa.
Kana inishuwarenzi yako yehutano ichitsvaga puro-episode deductible pamwe chete negore rakabviswa, mari yaunobhadhara kune imwe-episode deductible ingave isingatarisi gore rako raunotora.
Kana iwe wakagadzirirwa zvakasiyana-siyana zvekuchengetedzwa kwe-network uye kunze kwe-network kuchengetedza, mari yawakatobhadhara kune yako in-network deductible haina kuverenga kune yako kunze kwe-network deductible. Zvichienderana nemitemo yako yehutano, mari yawakabhadhara kune yako kunze-ye-network deductible inogona kutadza kuverenga yako in-network deductible, kana.
Mune zvirongwa zvehutano zvakawanda, zvikwereti hazvirevi kutaridzika kwegore rako rose, kunyange zvazvo zvinowedzera kune yako yose yekunze-ye-pocket mari yegore. Dzidza zvakawanda mu "Ita Kokopi Yekuverenga Kumusoro Wehutano Inishuwarenzi Yako Deductible? "
> Sources:
> Dhipatimendi Rezvoutano uye Human Services, Mutevedzeri Kudzivirirwa 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.
> Medicare.gov. Glossary. Batsirwa Period.
Medicare.gov. Medicare 2016 uye 2017 inotarisa pameso.