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Chii chinobviswa?

Chii chinobviswa?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 einishuwarenzi kuitira kuti unzwisise-uye nekunzwisisa, kunouya kuchengetedza zviri nani.





Ngatitangei neshoko rinowanzo shandiswa inobviswa . Chii chinobviswa? Zvichitaurwa zviri nyore, inobviswa ndiyo huwandu hwemari yaunofanirwa kubhadhara muhomwe yezvehutano- izvo zvinosanganisira kuongorora, kuvhiyiwa, uye mishonga yekunyorerwa - kambani yako yeinishuwarenzi yehutano isati yabhadhara chero mari yekurapa.



Izwi rinobviswa haringoshandisirwe chete inishuwarenzi yehutano, asiwo yeinishuwarenzi yemotokari kana zvirongwa zveinishuwarenzi yekumba. Mari inobvisirwa inosiyana zvichienderana nekuti ndeipi inishuwarenzi yaunosarudza uye inowanzo gadziridza gore rega muna Ndira. Kune vamwe vanhu, iyo inobviswa mari inoiswa nehurumende kana hurumende yemubatanidzwa, sezvazviri neMedicare.

Yako inobvisirwa ndeimwe yemitengo yakati wandei inosanganisirwa neyako kuva neinishuwarenzi yehutano, kuwedzera kune copays kana coinsurance, uye mari yako yemwedzi, zvinova ndizvo zvaunopihwa nekambani yeinishuwarenzi kuti utore chikamu muhurongwa. Kana iwe uri muchirongwa chakapihwa newaunoshandira, mari yako yemwedzi wega wega inogona kutorwa mubhadharo rako. Kana iwe uri munhu ane Medicare, yako premium inogona kubviswa otomatiki kubva kune yako yemwedzi Social Security cheki.

Ndeipi pfungwa yeinishuwarenzi inobviswa?

Zvinobvisirwa zvinobatsira kuchengetedza mutengo wekuva neinishuwarenzi yehutano inodhura nekuita kuti varidzi vemitemo vabhadhare maitiro ehurongwa uye zvidiki zveinishuwarenzi zvabuda kunze kwehomwe kutanga kwegore, nepo makambani einishuwarenzi achibhadhara maitirwo akakura, anodhura ezvehutano mushure mekubvisirwa mari. Kana yako yaunobvisa yakakwira, iwe unowanzo bhadhara yakaderera pamwedzi yemari. Nekuti iyo inishuwarenzi kambani pakutanga inobhadhara zvishoma kune ako mareti nemari yepamusoro inobvisirwa, inogona kukwanisa kubhadharisa yakaderera pamwedzi yemari. Huwandu hwesisitimu yega yega inobviswa inoiswa nekambani yeinishuwarenzi, kana hurumende, zvinoenderana nerudzi rweinishuwarenzi yehutano yauinayo.



Mari dzinobviswa dzinoshanda sei?

Kunzwisisa mashandisiro anoita mabasa anogona kuve anonyengera. Ngatitii hurongwa hweinishuwarenzi yehutano hunosanganisira madhora chiuru anobviswa. Izvi zvinoreva kuti iwe unofanirwa kubhadhara $ 1 000 pamari yako yekurapa (mune chero gore rakapihwa) kambani yako yeinishuwarenzi isati yatanga kubhadhara imwe yemitengo yehutano hwako. Copayments (copays) hazviwanzo kushandiswa kune yako inobviswa; zvinopesana nehurongwa kana mubhadharo wekushanyirwa nachiremba uye mishonga yemishonga inoverengwa uchienda kune yako yaunobvisa kana kwete.

Saka, mushure mekunge maita uye mabhadhara iwo madhora chiuru, kambani yenyu yeinishuwarenzi ichabatsira kubhadhara chero imwezve mari. Iyi mari inogona kunge iri yebasa rebasa, mu-muhofisi maitiro, kana kuvhiya. Dzimwe nguva vanhu zvakare vane basa nazvo coinsurance , inova yevatengi-inobhadharwa muzana yemitengo yehutano yehutano kazhinji mushure mekuti chinobviswa chasangana.

Paunenge uri kuna chiremba, unogona kunzwa chirevo chichienderana nekubviswa. Izvi zvinoreva kuti mari inofungidzirwa nachiremba haina hanya nekuti warova zvako zvinobviswa zvegore kana kwete. Mamwe masevhisi anogona kunge asiri pasi peanobvisirwa uye anozovharwa 100% neyako inishuwarenzi mupi kunyange usati warova yako inobviswa. Aya masevhisi anowanzo sanganisira kuchengetedzwa kwekudzivirira, semafizikisi egore kana majekiseni enguva dzose. Zvimwe zvinogona kuda kuti iwe ubhadhare yakawanda kubva muhomwe kana usati warova yako inobvisirwa yegore rekarenda.



Chii chinobviswa chinoreva kwauri?

Paunenge uchinyoresa inishuwarenzi yehutano, tora chinguva ufunge nezve izvo zvinobviswa zvaunosarudza. Zvirongwa zvehutano hwepamusoro-zvinowanzouya nemaprimamisi akaderera emwedzi uye madiki anoderedzwa anowanzouya nemaprimiyamu epamusoro.

Kana iwe ukaona iwe uchiita kushanya kwakawanda kwachiremba mune gore, funga yakaderera yakaderedzwa, yepamusoro purani yepamberi sezvo iwe uchizorova yako inobvisirwa zvishoma zvishoma nekukurumidza uye chirongwa chako chinobhadhara yakawanda yemitengo yako. Kana ukasamboona chero hutano nyaya kana ukasangana neyako yakadhonzwa gore rapfuura, funga yakakwira yakadonhedzwa, yakaderera chirongwa chekutanga kuti uwane yakanakisa kukosha kwemari yako.

Kufungirwa kweprimiyamu uye mari inobviswa iri 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, pakati pezvimwe zvinonetsa.



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

Maitiro ekuchengetedza mari pane hutano inishuwarenzi inobviswa

Mari-inoshanda-zvirongwa zvekuchengetedza hutano zviripo, asi zvinosiyana nenyika uye mari. Vamwe vanhu vanogona kuve vanokodzera kune veruzhinji mabhenefiti ayo anogona kudzikisira kana kubvisa zvakabviswa. Kune vanhu vasina kukodzera kuwana idzi rubatsiro, zvirongwa zveinishuwarenzi zvinopihwa nevashandirwi zvinowanzopa mari yakanyanya kunaka, sezvo iwe uchipatsanura mutengo newaunoshandira. Kuti uwane rumwe ruzivo nezve yakanakisa hutano inishuwarenzi sarudzo kune vanhu vanozvishandira, ona pano .



Imwe nzira yekuchengetedza ndeyokunyorera mari yekurapa pamitero yako. Kubva muna 2019, pane kubviswa kwemari yekurapa . Kana iwe ukaunganidza iyo dhora huwandu hwese mabhiri ekurapa uye ivo vakaenzana kupfuura 7.5% yemari yako yegore rose, unogona kuzobvisa pamitero yako. Izvo chete zvinhu zvinogona kubviswa ndezviri-muhomwe-mari izvo zvisina kuvharwa nehutano hwako inishuwarenzi.

Kunyangwe hazvo huwandu hwenhaurwa yako, SingleCare inopa kuchengetedza pamishonga yekunyorera. Tsvaga mishonga yako uye enzanisa mutengo wedu nemutengo wemari kana kopi yako yeinishuwarenzi. Tanga kuchengetedza nhasi!



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