Kuru >> Kambani >> Chii chinonzi 'copay'?

Chii chinonzi 'copay'?

Chii chinonzi Kambani

Kuchengetedza hutano chidzidzo chakaomarara nemazwi anogona kuita kunge mutauro wakasiyana zvachose dzimwe nguva. Rimwe remashoko aya nderekuti copayment , kana kuti kuzivikanwa zviri nani se copay . Iyo copay imari yakatarwa yakabhadharwa kunyorerwa kana mabasa ehutano paunoshanyira chiremba. Asi sezvakawanda zvinhu zvine hutano inishuwarenzi zvine chekuita, zviri nyore chaizvo here?

Chii chinonzi copay?

Kune akawanda marongero einishuwarenzi, pese paunoona chiremba mushure mekusangana neyako inobvisirwa iwe unobhadhara yakatarwa mari inonzi copay. Iyo copay inoshanda seyakabhadharira-muripo wako mukuru wezvechiremba kana nyanzvi anokubhadharisa iwe kushandisa kwavo masevhisi. Iyo yakatarwa huwandu hwakatarwa nehurongwa hweinishuwarenzi yehutano, saka ita shuwa kuti uverenge iro rakanaka kudhinda. Zvirongwa zvine pasi maprimiyamu emwedzi nemwedzi inogona kunge iine akakwira epamusoro.



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Izvo zvakakosha kuti uzive kuti macopay ndeyekutengesa, mushandirwi, uye inishuwarenzi yemusika. Medicare neMedicaid ichave nemitemo uye mazano akasiyana pane anotevera ruzivo.



MaCopays ndiwo mafomu ekugovana mutengo nekambani yeinishuwarenzi yehutano. Izvo zvakare zvakagadzirirwa kubatsira kudzora vatengi kubva mukuwana kurapwa kusingadiwe. MaCopays anogona kuve nehukama hwakaomesesa nezvimwe zvikamu zvehutano hwako zvivakwa zvemutengo.

Usati wasvika kune yako pagoreinobviswa -Inova ndiyo huwandu hwemari yaunofanira kubhadhara kambani yako yeinishuwarenzi ichizobatsira kubhadhara mari yekurapa-iwe uchaisa pasi bhiri rese kuitira nzira yakavharidzirwa kana kunyorerwa. Paunenge uchinge wasvika kune yako yakabviswa, yako coinsurance inopinda mukati, zvichireva kuti chirongwa chako chichatanga kuve nechinangwa cheyakaiswa muzana yemitengo yekurapa. Apa ndipo panobatika mari yako yekurapa, kunyanya sezvo yako copay isingatarise kune yako yaunobvisa, asi kuti inoenda kune yako yegore kunze-kwehomwe kunonyanyisa .



Zvino, heino muenzaniso wekubatsira kujekesa zvinhu kumusoro: Iwe wakasvinura tsoka yako uchitamba nhabvu uye funga, Mukomana, ini ndine rombo rakanaka ini nguva pfupi yadarika ndakasangana neyangu yakabviswa, uye inishuwarenzi ichafukidza rwendo urwu kune rwekukurumidza kurapwa. Asi izvo zvausingazive ndezvekuti ndiwe unokonzeresa yako copay uye kusimbiswa kwemari. Usati wabva muhofisi yechiremba, mugamuchiri anokukumbira kuti ubhadhare yako $ 20 kopay kumberi. Mavhiki maviri gare gare, unogashira bhiri yeimwezve $ 80-iyi ndiyo yako coinsurance, iri mumuenzaniso uyu i20% yechero rezvechiremba mari (uye kwauri yaive $ 400 bhiri). Nekudaro, nekuda kwetsoka yakatsvedza, iwe wakazopedzisira wabhadhara $ 100. Zvirongwa zvinowanzo kutaurirana mitengo, saka ivo vachabhadhara mupi wako chikamu cheyero yakataurirana usati watarisirwa kubhadhara yako yakakodzera mari yemari.

Vanhu vanowanzo funga kuti kana vangosvika pakubvisirwa mari yavo, vanenge vasisina mabhiri ekurapa. Nekudaro, inishuwarenzi inongobhara zvese zvako zvekurapa mari kana iwe uchinge wasangana neyako-ye-muhomwe yakakwira, iyo inosangana nemubatanidzwa wekubhadhara yako inobvisirwa, koinisheni yemari, uye mapopayiti.

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RELATED: Ndeupi musiyano uripo pakati pekopay vs. inobviswa?



Chii chinovhara copay?

Iyo copay inowanzo batsira kufukidza mutengo pane dzakasiyana siyana dzekushanyira hofisi. Zvisinei, mabasa ekurapa anoda macopay anosiyana pakati pezvirongwa zveinishuwarenzi. Nheyo dzinowanzoda copay dzinosanganisira:

  • Kuchengetwa kwekutanga uye nyanzvi yekushanyira chiremba
  • Zvepanyama, zvekuita, uye zvekurapa zvekurapa
  • Mishonga yemishonga
  • Hutano hwepfungwa: kureva kugadziriswa kwemishonga, kurapwa kwepfungwa
  • Kurumidza izvo
  • Emergency room inoshanyira
  • Amburenzi inokwira

Mitengo yeCopay kazhinji inosiyana pakati pemasevhisi uye inogona kuve yakakwira pakushanya kwenyanzvi pane kushanya kwekutanga kwechiremba. Kunze-kwe-network vanopa vanowanzo kuvewo nepamusoro kopi. Kana yako copay iri mutengo wakakwira kubhodhi, izvi zvinogona kunge zviri nekuti iwe une yakaderera-premium chirongwa cheinishuwarenzi chehutano.

Izvo zvakakoshawo kuti uzive kuti nekuda kweiyo Inotengeka Care Act , mamwe masevhisi ekudzivirira akadai sekutarisa, kuongororwa gomarara, kana kushanya-kwakanaka kwemukadzi hakufanirwe kuve nemutengi-kugovana.



Ndinoziva sei kuti ndichave necopay?

Mazhinji emakambani einishuwarenzi kana vanopa hutano vanoda kuti macopay abhadharwe panguva yebasa. Kazhinji, iyo copay huwandu inodhindwa yakananga pane yako kadhi yeinishuwarenzi kadhi. Inogona kutove nemari yakatarwa pamasevhisi akasiyana sekushanya kwekutanga kwekuchengeta uye nehunyanzvi hwekuchengetedza. Tarisa pane yako inishuwarenzi chirongwa kuti uwane yakadzama rondedzero yeese akavharwa masevhisi anoda copay uye mutengo weumwe neumwe.

Zvimwe zvirongwa zveinishuwarenzi hazvina copay. Mune ino kesi, ingangove chirongwa chinodhura, saka nepo pasina kopayipi yemasevhisi, iwe uchiri kushandisa imwe mari nemari yepuramu.

Maitiro ekudzikisa yako copay

Kunze-kwe-muhomwe mari haigare ichirova yako bank account. Kana iwe uchipa kuaccount yekuchengetedza hutano (HSA), inoshanduka yekuchengetedza account (FSA), kana account reimbursement account (HRA), unogona kushandisa izvi pre-mutero mari kuvhara copay yako. Mushure mezvose, iyi ndiyo mari yawakatotara parutivi kuti ubatsirwe nehutano. Zvisinei, nzira chete yekudzikisa yako copay ingangove nekuchinja zvirongwa zveinishuwarenzi, izvo zvisingawanzo sarudzo.



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Zvisinei, SingleCare iri pano kuti ibatsire . Dzimwe nguva macopay ekunyorwa anogona kunge ari pamusoro pane iyo yakaderedzwa reti iwe yaunowana nekadhi reSingleCare. Tsvaga mushonga wako pa singlecare.com kuti uone kuti mutengo wako wakanaka ndeupi.