Ndeupi musiyano uripo pakati pekopay vs. inobviswa?

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.

Kusarudza chirongwa chehutano? Pamusoro pemutengo wemwedzi wega wega, kana premium, zvakakosha kuti unzwisise kuti ndezvipi zvimwe zvauchange uine chekuita nemari. Ikopi uye rubatsiro rwakabviswa rinotarisa kuti iwe uchabhadhara zvakadini muhomwe; izvi zvinodhura zvinogona kuve nemhedzisiro huru pakuita kwemari chirongwa chakati bhajeti rako. Hauzive mutsauko uripo pakati pekopay vs inobvisirwa izvozvi? Tine iwe akafukidzwa.

Chii chinonzi copay?

MaCopay uye anodonhedzwa marudzi ese ari maviri emari yekugovana-iwe uchabhadhara chikamu chemari yako yese yehutano, uye yako inishuwarenzi kambani inowanzovhara mukaha pakati pezvakabhadharwa uye zvawakabhadhara.

TO copay ndiwo chikamu chako chemubhadharo wechimwe chiitiko chekutarisirwa, kunyangwe kushanya kwachiremba kana mushonga. Kazhinji inokwanisika kuve inokwanisika uye inogona kutopereterwa kuseri kwekadhi rako reinishuwarenzi, senge $ 20 yekushanya kwachiremba kana $ 10 yekuzadzikiswa kwemushonga. Kazhinji, iyo yakakwira iyo yemwedzi wepamberi, kana iyo mari yaunobhadhara kune yako chirongwa, iyo yakaderera iyo copay. Nekudzivirira kwekudzivirira, senge mammogram kana wepanyama gore rimwe nerimwe, unogona kunge usina copay zvachose. MaCopays anowanzosiyana ekutanga kuchengetedza vs.kuchengetedzwa kwehunyanzvi muhurongwa hweinishuwarenzi, uye yezita rechiratidzo maringe nemageneral zvinodhaka.

Chii chinobviswa?

Zvinobviswa , kune rimwe divi, ndizvo zvaunosungirwa kubhadhara kubva muhomwe pamberi pekuvharwa kwekambani yeinishuwarenzi isati yatanga.

Kana imwe nguva yako yegore yakabviswa yasangana, yako inishuwarenzi kambani ndinofanira tanga kufukidza yakawanda yemari yako yakafukidzwa, asi sneaky mari zvine chekuita nekusimbiswa kwemari kana kuvhara zvipuka inogona kuramba ichingobuda (zvimwe pane izvo gare gare).

Kunge macopay, iyo yakakwira yako yepamwedzi maprimiyamu, iyo yakaderera yako inobvisirwa kazhinji iri, sezvo iwe uri kubhadhara yakawanda mari kune yako inishuwarenzi kambani kumberi. Paunenge uchisarudza chirongwa chekuchengetedza hutano, zvakakosha kuti utarise kuti yakawanda sei yauchazotarisirwa kuburitsa kunze-pamusoro pemitengo yako yemwedzi-inishuwarenzi yako isati yatora iyo yasara yetabhu.

Vanhu vazhinji havana ruzivo rwekuti vanobvisirwa chii kusvikira vaita emergency, anodaro Rachel Trippett, MD, chiremba wemhuri neU.S.Public Health Service Indian Hospital muNew Mexico. Haisiyo nguva yaunoda kuziva kuti une chakabviswa chausingakwanise kutenga.

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

Ko macopay uye anobvisa anoshanda pamwechete sei?

Zvinonzwika zvakapusa murondedzero, asi izvi zvinoshanda sei muhupenyu chaihwo? Ngatizviputsei.

Mwedzi wega wega, iwe unobhadhara mari yemwedzi; iyi ndiyo muripo kungova neinishuwarenzi yehutano. Kana iwe ukatambira yako inishuwarenzi yehutano kuburikidza neako waunoshandira, chikamu chemubairo wako unogona kubuda muhomwe yako.

Zvino ngatitii mukati megore, iwe unopedzisira watyoka gumbo rako. Iwe une yekushanya mukamuri yekukurumidzira, pamwe nerwendo rwushoma kumhando dzakasiyana dzachiremba, kuti udzokere netsoka dzako.

Apa ndipo panobviswa kukosha kwako. Iwe unozodikanwa kurova yako yegore inodonhedzwa - iyo mari yawakabhadhara kubva muhomwe kune chero ehutano mabasa ayo hazvisi copays - mushandi wako weinishuwarenzi asati atanga kubhadhara yakakwira chikamu muzana yemabhiri ekurapa.

Chii chinonzi coinsurance?

Asi pane akawanda marongero einishuwarenzi, kusvika kune yako yaunobvisa hazvireve kuti iwe uri mune yakajeka yekusafanira kubhadhara chero chinhu. Pane kudaro, iwe unogona kunge uinewo coinsurance mari. Iyi iperesenti yemitengo yehutano hwako yaunodikanwa kuti upe, kusvikira iwe wasvika kune yako inishuwarenzi yegore rose yekubuda muhomwe muhomwe. Ndizvozvo zvachose mari yawakabhadhara mukati megore kune ese ako marapirwo emari, kusanganisira macopayments (asi kwete kusanganisira yako yemwedzi yemubhadharo).

Inguva chete iwe paunosvika pakukwirira uko inishuwarenzi yako inofanirwa kubhadhara kune zana muzana yemari yako yakafukidzwa yekurapa. Ramba uine ziso pakarenda, futi; marongero anowanzo kuve egore rose, saka ako anotorerwa mabasa anozogadzirisazve pagore rako reinishuwarenzi gore kana kana Ndira 1 kana yako inobvisirwa ikadzosazve gore rega rekarenda.

Muchidimbu, inobvisirwa ndiyo yehomwe-muhomwe mari yaunofanirwa kubhadhara usati inshuwarisi yako yatanga kubhadhara chero chinhu kune yako yehutano mutengo. MaCopays akapatsanurwa, yakatarwa fizi iyo inowanzo kuverengera kune yako inobvisirwa iyo iwe yaunodikanwa kubhadhara paunoona chiremba kana kuwana mushonga unozadzwa. Kamwe wasangana deductible wako, unenge kubhadhara zvishoma nokuda ramunotarisira, asi vangave anokonzera coinsurance, kusvikira waita akatambanudza wako gore negore kunze muhomwe kunonyanyisa mugore.

Coinsurance vs copay vs.bvisa: Ungadzivirira sei mari yekuwedzera

Imwe yedzakanakisa nzira dzekudzivirira isingatarisirwi inishuwarenzi mubhadharo ndeye kunamatira kuna vanachiremba uye zvipatara mukati mehurongwa hwako network. Yako inishuwarenzi yakataurirana mutengo wakaderera kune ava vanopa, izvo zvinowanzo shandura kudzikisa mabhiri uye kunze-kwehomwe mari iwe.

Imwe ndeye kushandisa Imwe kadhi inonyorwa yakaderedzwa kadhi kune ako matsamba. Tsvaga mishonga yako uye ona kuti ungachengeta zvakadii. Inogona kubatsira chaizvo kana iwe uine chirongwa chisina tsamba yakanyorwa, asi dzimwe nguva mutengo wedu unogona kutorova iwo mutengo wecopay!