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Chii chinonzi coinsurance?

Chii chinonzi coinsurance?Kambani Healthcare Yakatsanangurwa

Dzimwe nguva mazwi ezvehutano anogona kuita kunge mutauro wakasiyana zvachose. Nemashoko akafanana copay , inobviswa , uye kunze-kwehomwe kunonyanyisa kukandwa kwakakomberedza, sei iwe uchifanirwa kuziva kuti chii chii? Ndipo panouya nhepfenyuro yedu yeHealthcare Defined. Tinoputsa mazwi kuti unzwisise-uye nekunzwisisa kunouya kuchengetedza zviri nani.





Pano, isu tichaenda kuzobata mari yekusimbisa. Coinsurance ndiyo muzana yemitengo yemabasa akavharidzirwa ezvehutano iwe aunofanirwa kubhadhara muhomwe mushure mekunge wasvika pagore rako rinobvisirwa. Iyi nhamba inotsanangurwa nepesenti yakashandiswa pamutengo wakazara webasa rega rega rekurapa. Yako inishuwarenzi kambani inobhadhara yakakwira muzana, uye iwe unotarisirwa kuvhara iyo diki. Semuenzaniso, wako inishuwarenzi anobhadhara 80% uye iwe waizobhadhara 20%. Pfungwa iyi, inowanzo kutaurwa sekuti chikamu chekutora chikamu chinodzora njodzi yekambani yeinishuwarenzi nekuda kuti munhu agovane chikamu chemubhadharo wepashure-unobviswa.



Coinsurance vs copay

Kunzwisisa kuvimbiswa kunoda kunzwisisa basa rayo mukati mehuwandu hwekugovana mari. Dzimwe nzira dzekugovana-mutengo dzinosanganisira inobviswa uye copays , uye mazwi ese ari matatu anowanzo — uye zvisirizvo - anoshandiswa zvakasiyana. Copays mubhadharo wakadzama uyo munhu anodikanwa kubhadhara panguva yekushanya kwehofisi yechiremba kana kunyorerwa. Kubhadharwa kwemari yemari, nekusiyana, chikamu cheyachiremba kana chemishonga yemari yose, zvichireva kuti mari yekubuda muhomwe inogona kusiyana.

Vamwe vatengi vanoshanda pasi pekufungidzira kuti kana vachinge vazadzisa yavo yegore kunze-kwehomwe inobviswa, kambani yavo yeinishuwarenzi yehutano ichatora matanho uye inovhara chero mari yekuwedzera yegore rese. Nehurombo, iyo system haina kugara iri nyore zvakadaro.

Iyo inobviswa ndiyo yakatarwa mari iyo munhu anofanirwa kubhadhara kunze-kwehomwe pamberi pekambani yeinishuwarenzi inopinda mukati kuzobhadhara mari zhinji yehutano. Coinsurance inotanga kushanda mushure mekunge iyo inobvisirwa yasangana.



Pfungwa yakafara yekusimbisa mari iri nyore. Mushure mekunge yako inobvisirwa yasangana, yako inishuwarenzi kambani inovhara imwe pesenti yemutengo wakazara wekushanya kwega kwega, ichikusiya uine mutoro wezasara. Semuenzaniso, ngatiti iwe une $ 1,000 maitiro uye yako inishuwarenzi inovhara 90% yemutengo wese. Yako coinsurance ndeye 10%, iyo mune ino kesi ingave $ 100.

Ko iko kusimbiswa kwakanaka here kana kwakaipa?

Coinsurance haisi yakanaka kana yakaipa, asi chokwadi chezvirongwa zvakawanda zveinishuwarenzi. Nhau dzakanaka ndedzekuti pane kazhinji muganho kune yako yakazara mukana wekunze-kwehomwe mari. Yako inishuwarenzi kambani inozopedzisira yabhadharira bhiri rese rebasa rakavharwa kana iwe uchinge wasvika kune yekunze-kwehomwe yakakwira, iyo inosanganisira yako yegore inobviswa mari uye mari yemari yekusimbisa. Nhau dzakaipa ndedzekuti vanhu vazhinji havambo sangana nemari yavo yepamusoro-ye-muhomwe mutengo gore rimwe nerimwe.

Chii chinonzi kunze-kwehomwe kunonyanyisa?

Yekunze-kwehomwe yakakwira ndiyo mari zhinji iyo munhu achabhadhara kumabasa ekurapa akafukidzwa neinishuwarenzi mugore. Mushure mekusangana neinobvisirwa mari, iwe uchiri kufanira kubhadhara muzana kuburikidza nemari yekusimbisa. Zvisinei, kana huwandu hwekunze-kwehomwe hwasangana paunenge uchibhadhara imwe mari yezvikabviswa, macopayments, uye coinsurance, kambani yeinishuwarenzi ichabhadhara zana% yemasevhisi akafukidzwa nehurongwa hweinishuwarenzi yehutano.



Saka mumuenzaniso mumwe chete kubva kumusoro, ngatitii chirongwa chako chine madhora zviuru zvishanu zviri muhomwe. Paunenge uchinge washandisa mari iyoyo muzvikwereti, macopay, uye kubhadharwa mari, inishuwarenzi ichabhadhara pa100% kudzamara hurongwa hwako hwadzokazve (kazhinji pakupera kwegore rekarenda).

Chii chinonzi coinsurance chinorevei kwauri?

Yako coinsurance muzana inosiyana zvichienderana nehutano inshuwarisi kana Medicare chirongwa unosarudza. Mushure mekurova yako inobvisirwa, zvikamu zvakajairika zveinishuwarenzi yako maringe nezvaunovhara zvinowanzove 80/20, 90/10, kana 70/30.

Saka unongorova deductible yako - ngatidaidzei madhora zviuru zviviri - zvinoreva kuti wakashandisa mari yakawanda kudaro pazvinhu zvakasiyana siyana zvakafukidzwa zvekurapa mugore. Iye zvino, yako coinsurance inorovera mukati. Kana yako coinsurance iri 20%, iwe unobhadhara makumi maviri kubva muzana yemari imwe neimwe yekurapa, uye yako inishuwarenzi inovhara iyo yasara ye80%.



Semuenzaniso, unoshanyira chiremba pahuro, uye bhiri racho rinosvika madhora zana. Kana yako coinsurance iri makumi maviri kubva muzana, iwe uchabhadhariswa madhora makumi maviri ekushanya uku uye yako inishuwarenzi ichabhadhara $ 80.

Asi zvinhu zvinogona kuwedzera kuomarara kubva ipapo. Makambani einishuwarenzi anowanzo gadza yakakwira mari yemadhora ekutsigira masevhisi anowira kunze kwenetiweki - ndiko kuti, masevhisi anoitwa nevashandi vezvekurapa vasina chibvumirano nekambani yako yeinishuwarenzi.



Iyo iri-mu-network mari yekusimbisa chiyero che10% inowanzo kusvetukira ku30% kana 40% kune wekunze-kwe-network chiremba kana mushonga. Zvimwe zvirongwa zvinogona kusatombo kupa chero kunze-kwe-network kufukidzwa.

Uyezve, kana mubhadharo webasa rakapihwa wanga wakakwira kupfuura zvaizobhadharwa nemupi mu-network, munhu wacho anowanzo fanirwa kuita mutsauko mumutengo.



Maitiro ekusarudza akarongeka zano

Kana iwe ukaona uine mari yepamusoro yekurapa gore rega rega, ungangoda kufunga nezve chirongwa neicho chakakwirira mwedzi wepamberi , sezvo izvo zvingangove nemari yakaderera inobvisirwa uye mari yeinishuwarenzi, uye yako inishuwarenzi ichafukidza yakawanda yemari yako yekurapa nekukurumidza.



Kana iwe usingawanzoshanyira chiremba, iwe ungangoda kufunga nezve chirongwa chine yakaderera pamwedzi yepimendi kunyangwe iyo inogona kuve iine yakanyanya kubvisirwa uye kusimbiswa kwemari. Uye rangarira, zvinokamiswazve reset panopera gore rako rerongwa.

Kufungidzirwa kwekusimbiswa kwemari uye mari inobvisirwa zviri pakati pezvakawanda zvinhu zvaunofanira kufunga nezvazvo pakusarudza chirongwa. Iwe unofanirwa zvakare kufunga nezvekuti vanachiremba vako vanotora chikamu here muchirongwa chenetiweki uye kana iwo chaiwo marapirwo ebasa aunoda aakavharwa.

Hazvina mhosva hurongwa hwako hweinishuwarenzi, SingleCare inogona kubatsira nemishonga yekunyorera iyo inogona kunge isingakwanise kunyangwe neinishuwarenzi. Ingo tsvaga chako chinodhaka uye tsvaga mutengo wakanakisa- hapana mari dzakavanzika dzekujoinha kana kushandisa.