Chii chinonzi kunze-kwehomwe kunonyanyisa?

Kambani Healthcare Yakatsanangurwa

Inishuwarenzi yehutano yakaoma, iine akasiyana mazwi anovhiringidza ayo angave akaoma kunzwisisa. Asi kuziva uye kunzwisisa ruzivo rwehutano hwako inishuwarenzi chirongwa kunogona kuenda nenzira yakareba, kunyanya kana zvasvika pakuchengetedza mari. Imwe yeaya akakosha ruzivo ndeye yako yekunze-kwehomwe yakakwira.

Iyo yekunze-kwehomwe yakakwira kune yako yehutano inishuwarenzi chirongwa ndiyo yegore muganho iyo iwe, semutengi, iwe yauchazofanirwa kubhadhara kune yakavharidzirwa hutano masevhisi. Huwandu hwako hwekunze-kwehomwe huwandu hunosarudzwa nezvakasiyana zvinhu, kusanganisira mutengo wehurongwa uye kuti vangani vanhu mumhuri yako vakafukidzwa pasi pechirongwa chako.

Pfungwa yehuwandu hwehomwe muhomwe hungaratidzika seyakavhiringika yakafanana nemamwe mazwi anokandwa nemakambani einishuwarenzi, akadai se coinsurance , copay , premium, uye inobviswa . Asi mutsauko uripo pakati pavo wakakosha uye unogona kukanganisa zvese hutano hwako kufukidza uye chikwama chako.

Iri gwaro rine zvese zvaunoda kuti uzive nezve ins uye kubuda kwemahomwe-e-muhomwe maiyamu.

Chii chakakosha kune yekunze-kwehomwe yakakwira?

Paunenge iwe ukashandisa zvakakwana kumabasa ekurapa kuti usvike yako yegore yekubuda muhomwe, yako inishuwarenzi yehutano kambani inosvetukira mukati kuvhara zvese yakavhara mari yegore rose. Asi ndeapi marapirwo emari anonyatso kuverengera kune ako ekunze-muhomwe muganho? Pazvirongwa zvakawanda, kunze-kwe-muhomwe-mazamu anosanganisira mari inoshandiswa kune zvimwe zvikamu zvehurongwa hwako hwekuchengetedza hutano, senge:

• Zvinobviswa
• Coinsurance
• Copayments

Iko mari hombe isingatarise kune yako yekunze-kwehomwe mari yako yemwedzi wepayimendi. Izvi zvinoreva kuti kunyangwe zviine mari yakawanda sei, kuti uchengetedze inishuwarenzi yako yehutano inoshanda, iwe uchafanirwa kuenderera uchiibhadhara pamwedzi, kunyangwe uchinge warova yako yekubuda muhomwe.

Icho chimwe chikamu chisingatarise kune yako yekunze-kwehomwe yakanyanya mabasa ehutano asina kuvharwa nehurongwa hweinishuwarenzi, sevamwe vekunze-ve-network vanopa uye mamwe marapiro asina kuvharwa kana mishonga. Kunze-kwe-muhomwe kudhura kwemishonga yekunyorera yaunobhadhara kushandisa SingleCare makuponi haatarisewo kune yako yekunze-muhomwe, kunyangwe iwe uchikwanisa kudzoserwa nemupi wako weinishuwarenzi pakupera kwegore rako rerongwa.

Inobviswa kana kunze-kwehomwe yakakwira

Kana iwe uri kufunga kuti kunze-kwe-muhomwe ma maximums anonzwika akafanana neakabviswa, iwe hauna kukanganisa. Asi iwo akatosiyana zvishoma, uye uyu mutsauko wakakosha kuti unzwisise kuti mari yako yehutano iri kubva kupi.

Isu tatozvisimbisa kuti iyo yekunze-kwehomwe yakakwira ndipo panotarisirwa inishuwarenzi yako yakawanda yemari yako yegore yehutano yekushandisa. Mushure mekusvika pahuwandu hwakatarwa, inshuwarisi yako ichapinda uye ive nebasa rezvimwe zvakavharirwa mari mukati megore rose rerongwa.

Yako inobviswa, kune rumwe rutivi, ndiyo huwandu hwehutano hwako hwaunofanira kubhadhara zvizere pamberi pehurongwa hwako hwekugovana mutengo-matanho, senge kudhara coinsurance kana copayments. Ndokunge, kusvikira iwe warova yako yekubuda muhomwe. Ipapo iwe unenge uchingova nebasa rekubhadhara mari yako yemwedzi wega, kune masevhisi asina kuvharwa, kana kune vamwe kunze kwenetwork inobatsira.

RELATED: 5 ehutano mabasa aunofanira kuita mushure mekunge wasangana neyako deductible

Chii chinoitika mushure mekunze-kwehomwe huwandu hwasangana?

Izvozvi zvauri kuziva kuti chii, anoita sei-kunze-kwehomwe maximums anoshanda? Ma-Out-of-pocket maximums anobatsira kukudzivirira kubva pakuda kubhadhara mari inodhura kana isingatarisirwe kurapwa (senge rwendo kuenda kuimba yekukurumidzira) nekuisa kapu pane yakawanda yaunotarisirwa kubhadhara mugore. Kana yako yehutano yekushandisa mari kune rimwe chirongwa gore rinodarika iyo yakatarwa mari yemari yako yekubuda-muhomwe, chirongwa chako chehutano chinobhadhara kune ese mamwe marapirwo ehutano-sekureba sekunge iwo madhiri ari masevhisi ayo ako marongero anovhara.

Paunenge uchinge wasangana neyako-ye-muhomwe yakanyanya muganho, hauchazodi kubhadhara macopayments kana coinsurance ye in-network care. Mienzaniso yekutarisirwa kwakaputirwa kunogona kusanganisira kushanyira neyako-mu-network wekutanga chiremba chiremba kana iwo mutengo weyakavharwa mushonga. Asi iwe unenge uchiri kufanira kubhadhara kunze-kwe-network hutano masevhisi ayo asingawanzo kufukidzwa nehurongwa hwako.

Mamwe marongero einishuwarenzi anopa mashoma kugoverwa kweyekunze kwe-network hutano hwekushandisa, uye inogona kutobvisa marii yaunoda kubhadhara kunze-kwe-network chengetedzo gore rega. Ichi chivharo chinowanzo kuve chakaparadzaniswa, uye chakakwira, kupfuura yako mu-network kunze-kwehomwe muganho. Asi mamwe akawanda marongero haana kunze-kwehomwe yakakwira kune masevhisi ari kunze kwenetiweki, zvichireva kuti wako inishuwarenzi haazopindire mukati kubatsira kubhadhara kunze-kwe-network masevhisi, kunyangwe zvadhura sei zvipatara zvekurapa. Nyatsoteerera kune yako hurongwa hwekunze-kwe-network kufukidza sarudzo, uye edza kugara mu-network kana zvichibvira kutora mukana wehurongwa hwako hwekunze-kwehomwe huwandu.

Izvo zvese zvehutano inishuwarenzi zvirongwa zvine kunze-kwehomwe yakakwira?

Zvese zvirongwa zveinishuwarenzi zvinosangana nemutengo unodhura Care Act (ACA) zviyero zvine mahedhomu ekunze. Ye2020, iyo yekunze-kwehomwe maximums yeAACA-inoenderana zvirongwa haigone kupfuura $ 8,150 zvirongwa zvega uye $ 16,300 yezvirongwa zvemhuri . Kune akawanda zvirongwa, iyo yekunze-kwehomwe muganho ichave yakanyanya kushoma, asi mamwe marongero akagadzirwa ACA isati yazvarwa mukati mavo nemiganhu yavo. Iwe unogona kuwana rumwe ruzivo nezve izvo zvirongwa zvaunokodzera kwazviri zvehutano.gov .

Iwo ekunze-kwehomwe ma maximums e Medicare zvinosiyana zvishoma. Pamubhadharo wechinyakare webasa reMedare (Original Medicare), hapana muganho kune iyo mari yaunobhadhara yezvekurapa mari gore rega. Kana iwe uine Original Medicare, unogona kukwanisa kudzikisa mari yako yekubuda muhomwe zvakanyanya kuburikidza nekutenga chirongwa cheMedigap, kana nekunyoresa mubhadharo yeruzhinji mari yakadai seMedicare Savings Chirongwa kana Yakawedzera Rubatsiro rweMedare Chikamu D Asi zvirongwa zveMedicare Advantage, izvo zvinopihwa kuburikidza neinishuwarenzi vega uye zvinotenderwa neMedare, zvinofanirwa kutevedzera iwo iwo marongero akafanana nemamwe marongero anoenderana neACA uye anogona kunge aine yakaderera-muhomwe yakakwira kupfuura zvirongwa zveACA.

Kunze-kwe-muhomwe mari yezvirongwa zveMedicaid zvinosiyana nyika kutaura, asi hazvimbobvumidzwe kudarika 5% yemari yemhuri .

Kutsvaga kuchengetedza kwehutano

Kunyangwe chirongwa chako cheinishuwarenzi chehutano chingave chisinga tsanangurire mari dzese dzekurapa, kune zvimwe nzira dzekuchengetedza . SingleCare inobatsira kubvisa kukanganiswa kwakatenderedza kuwedzerwa mari nekupa yakaderedzwa mitengo yemutengo. Uye kunyangwe mishonga yakawanda isingaverenge kune yako yekunze-kwehomwe yakanyanya kana yakadhonzwa, SingleCare coupon inogona kuita kuti mishonga yaunoda ive inodhura.