Chikonzero Nei Unogona Kubhadhara Iwe Kunyange Mushure mekunge Uchisangana Nehutano Hwenyu Deductible
Coinsurance ndiyo yehuwandu yakawanda murwere inotarisirwa kubhadhara ivo pachavo vehutano inshuwarisi mushure mekupa faira yehutano yehutano.
Chii Chinotsigira?
Vamwe vashandi vehutano vehutano vanoda kuti murwere atore chikamu chemari yehutano hwehutano hwehutano hwakabatanidzwa mushure mokunge mutengo wegore negore wapera . Icho chiri couranceurance. Coinsurance inowanzova inenge 20 kusvika ku30% yehutano hwehutano hunogamuchirwa.
Urongwa hwehutano huchazobhadhara zvakasara 70% kusvika 80%. Iko mari inobhadharwa inowanzoshandiswa kuwedzera kune iyo yakabviswa, iyo inoda kubhadharwa kusati kwaitika kambani yeinishuwarensi ichibhadhara chero chinhu pakupera kwayo. Kana mushure mokunge deductible inobhadharwa zvakakwana iwe uchagovera mari yekutarisira kwako neurongwa hwehutano hwako nekubhadhara mari yekutengesa.
Heino muenzaniso wekuti kubhadhara mari inogona kushanda sei:
Mutungamiri Jones ane chirongwa chehutano hwemhuri pamwe ne $ 500 gore rokubviswa uye 20% coinsurance. MunaFebruary, mudzimai wake nevana vaviri vakawana chiremba kubva kunechiremba wemhuri yavo. Mr. Jones akabhadhara chiremba wezvibasa izvi, izvo zvakadhura madhora 510. MunaMarch, mumwe wevana vakarwara uye mari yekushanyira hofisi yaiva $ 50. Sezvo gore rakapedzisira rawanikwa, chirongwa chehutano chakabhadhara chiremba $ 40 (80%) uye Mr. Jones vakabhadhara chiremba $ 10 (20%)
Kunze kwe-Pocket Maximum
Coinsurance inoshandiswa kumunhu wepagore wepamusoro wepamusoro pehomwe .
Gore roga roga-kunze kwehomwe yepamusoro ndiyo yepamusoro-soro kana yehuwandu huwandu huwandu hwehutano hwekambani yehutano inshuwarano inoda murwere kuzvibhadhara ivo pachavo kumutengo wose wehutano hwavo .
Kana imwe nguva kugadziriswa kwechiremba, kubhadharwa kwemari , uye kubhadhara mari yakabhadhara kwegore rimwe chete kunowedzera kusvika kune imwe yepamusoro-pfupa, zvido zvekugoverana kwezviremba zvino zvakapedzerwa gore iroro.
Kutevera kuzadzika kwehuwandu hwepasipo, purogiramu yehutano inotora zvose zvinokonzerwa nekuchengetedzwa kwe-network kusara kwegore.
Kuverenga Health yako Insurance Coinsurance
Deductibles uye zvikwereti zviyero zvakatarwa zvemari. Nokudaro, hazvisi zvakaoma kuziva kuti mari yakawanda sei. Imari ye $ 50 yemishonga inorayirirwa inodhura madhora makumi mashanu pasinei nenyaya yacho yose. Kuverenga imwe yveshuwarhu yehutano inshuwarheni yakasiyana zvakasiyana, uye yakaoma zvikuru, sekubhadharisa mari inenge muzana yemari yose yebasa, panzvimbo yeuwandu hwemari. Nokudaro, coinsurance ichave yakasiyana nebasa rega rega rakagamuchirwa. Kana hutano hwekuchengetwa kwehutano hunova huri hwehutambisi hwebasa, ipapo mari yekutengeserana ichave isina kutengesa zvakare. Zvisinei, kana hutano hwehutano hwakagamuchirwa hwaive huchidhura, mari yekubhadhara ichaguma yakadhura zvakare.
Dzidza sei kuverenga yako yehutano inshuwarisi coinsurance .