Purogiramu yeplatinum inorongwa hwehutano hwehutano huripo huripo, paavhareji, inenge 90 muzana yehutano hwehutano hwemhengo. Nhengo dzinobhadhara imwe chikamu chegumi zvehutano hwehutano hwavo maererano nemari yebhadharo , coinsurance , uye kubviswa .
Background
Kuita kuti zvive nyore kwauri kuti uenzanise kukosha kwauri kuwana mari yaunoshandisa pamayero emishonga yveshuwarhu yehutano , iyo inotengeswa Care Act yakagadziriswa yezvinoarial kukoshesa maitiro emagariro ehutano mumusika wega wega uye muduku .
Aya mazinga, kana matatu, ndeyendarira, sirivha, ndarama, uye platinum. Zvose zvehutano hwehutano mune imwe nzvimbo dzakatarwa dzinotarisirwa kugovera zvakaenzana zvakaenzana.
Neplatinum-tier zvirongwa, kukosha ndeye 90 muzana (ine minimus range ye +/- 2, iyo inowedzera kusvika + 2 / -4 muna 2018, zvinoreva kuti chirongwa cheplatinum muna 2018 chichava nehuwandu hwezvinhu zvinoenderana pane 86 kubva kuzana kusvika 92 muzana). Zvigadzirwa zvemhangura, zvesirivha neyegoridhe zvinopa hutengo hwema60, 70 ne80 muzana.
Iko Kunokosha Kureva Nezve Utano Inishuwarenzi
Kukosha, kana kukosha kwekukoshesa , kunokuudza kuti zviyero zvipi zvehutano hwehutano hwakarongerwa hurongwa huri kutarisirwa kubhadhara hutano hwahwo hwose. Izvi hazvirevi kuti iwe, iwe pachako, uchange uine zvikamu makumi mapfumbamwe zvezana zvezana zvehutano hwako hwekutarisira huripiwe neurongwa hweplatinum yako. Icho chiyero chinokosha chinopararira kune vanhu vakawanda. Zvichienderana nemashandisiro aunoshandisa utano hwako hwehutano, iwe unogona kunge uine zvinopfuura 90 kubva muzana yemari yako inoshandiswa.
Zvisingabatsiri kutarisirwa kwehutano mari hazviverengi kana uchitarisa hurongwa hwehutano hwehutano. Semuenzaniso, kana chirongwa chako cheplatinum-tier yehutano hachipi nekugoverwa kwemishonga inopfuura-in-counter, mutengo wezvinhu izvozvo hauna kusanganiswa kana uchiverenga kukosha kwepurogiramu yako. Izvo-zve-network mari hazvibatanidzi mukugadzirisa kwezvinoenderana nekuronga kwepurogiramu, uyewo hazvibatsiri izvo zvisingagumbirwi pasi peimwe yezvinhu zvinokosha zvehutano zvakakosha (zvinenge zvese kutarisirwa kwehutano kunofanirwa kunofanirwa kubatsirwa kwehutano hunokosha, zvisinei)
Premiums
Iwe unofanirwa kubhadhara miriyamu yemwedzi pamwedzi kuti ugone kuronga chirongwa chehutano. Platinum plan premiums inodhura kupfuura zvirongwa zvishoma-zvishoma nokuti zvirongwa zveplatinum zvinobhadhara mari yakawanda pamusoro pehutano hwako hwehutano.
Nguva imwe neimwe yaunoshandisa utano hwako hwehutano, iwe unofanirwa kubhadhara mari-kugovana sezvikwereti, coinsurance , uye copays . Izvo chirongwa chimwe nechimwe cheplatinum chinoita kuti iwe ubhadhara chikamu chako chezana chezana chichasiyana. Somuenzaniso, imwe chirongwa cheplatinum chinogona kunge chakaita mari inokwana $ 1000 inokonzerwa pamwe chete nechepasi ye5% yemari. Purogiramu yeplatinum inopikisana inogona kuva nechezasi ye $ 400 inobviswa pamwe nekodzero yekusimudzira mari uye $ 10 copay yemitemo.
Pros
Sarudza hurongwa hwehutano hweplatinum kana chinonyanya kukoshesa kwauri chiri pasi kunze kwehomwe mari paunoshandisa utano hwako hwehutano. Kana iwe unotarisira kushandisa hutano hwako hwehutano huzhinji, kana iwe usati uchinetseka nemishonga yepamwedzi yepamwedzi yeurongwa weplatinum, urongwa hwehutano hweplatinum hunogona kuva sarudzo yakanaka kwauri.
Kana ukashandisa utano hwako hwehutano huzhinji, zvichida nokuti une mari isingagumi, tarisa kunyatsoongorora purogiramu yeplatinum iri kunze kwehomwe . Kana iwe uchiziva zvisati zvaitika kuti yako-ye-podhadha yako inodarika iyi iri kunze kweiyo-yakawanda, iwe unogona kukwanisa mari nekusarudza hurongwa hwepasi-pasi nehuwandu hwemapurisa hushoma asi mihoro mikuru.
Cons
Usasarudza hurongwa hwehutano hweplatinum-tier kana iwe usingakwanisi kutenga miriyamisi yemwedzi yakawanda. Kana iwe ukarasikirwa nehutano hwehutano inshuwarheni nokuti hauna kukwanisa kubhadhara miriyamu, iwe unogona kuzviwana uri panzvimbo yakaoma.
Kana iwe uchikodzero yekugoverana mari yekubhadhara nokuti mari yako inowanikwa pasi pe 250 muzana yehurumende yehurombo uhu, unofanira kusarudza chirongwa chesirivha-mutengo mukutengesa kuwana mari. Iwe haungatori mari yekugoverana mari-mari kana ukasarudza chirongwa chehutano kubva kune imwe yega yega, kana iwe ukatenga kunze kwekutsinhanisa ( rubatsiro rwekubhadhara mari inowanikwa chete mukutsinhanisa, asi inogona kushandiswa kwezvirongwa kune chero chesimbi level).
Kugovana-kubhadhara mari inoshandiswa kunoderedza kuderedzwa kwako, copays, uye coinsurance kuitira kuti iwe ubhadhara zvishoma kana uchishandisa utano hwako hwehutano. Zvechokwadi, mari yekugovana-mari inowedzera mari inowedzera kukosha kwechirongwa chehutano hwako pasina kuwedzera purogiramu. Zvakafanana nekuwana kusununguka kusununguka kwehutano inshuwarisi. Iwe haugoni kuwana shanduro yakasununguka kana ukasarudza chirongwa che platinum-tier.
Kuwanika
Pasi peAACA, bhizimisi vanotengesa zvirongwa mukutsinhanisa chete zvinoda kugovera pakuvharidzira pazvivigiro zvesirivha neyegoridhe. Platinum zvirongwa hazvizivikanwi kupfuura mamwe masimbi ematare (zvirongwa zveplatinum zvakarongwa zvisingasviki 1 muzana yekubhadhara kushandiswa kwenyika panguva yekubhabhatidzwa kwa2017), uye inofanirwa kuva nemari yakakwirira kune vatsigiri, sezvo vanhu vanogona kuzvisarudzira vanowanzoita iva ivo vane utano hwakanaka avo vanotarisira kushandiswa kwekushandiswa kwehutano munguva yegore.
Nemhaka yekuderera kwepamusoro kwenyika yose uye yakakwirira mari, vatsigiri mune dzimwe nzvimbo vakamira kupa zvirongwa zveplatinum. Izvi zvinoreva kuti iwe haungakwanisi kutenga hurongwa weplatinum zvachose, kunyange zvazvo zvirongwa zvegoridhe zvicharamba zviripo.
> Sources:
> Dhipatimendi Rezvoutano uye Human Services. Murwere Anodzivirirwa uye Anononoka Kuchengetedza Mutemo: Misika Yakadzika . April 2017.
> Kaiser Family Foundation. 2017 Kurongwa Kwema Market Pamutambo weChina (November 1, > 2016, > kusvika panaJanuary 31, 2017) >.