Kuru >> Kambani >> Ndeupi musiyano uripo pakati peinobviswa uye yekunze-kwehomwe yakanyanya?

Ndeupi musiyano uripo pakati peinobviswa uye yekunze-kwehomwe yakanyanya?

Ndeupi musiyano uripo pakati peinobviswa uye yekunze-kwehomwe yakanyanya?Kambani

Iwe uchangobva kugamuchira nzira yekurapwa uye woona bhiri - une chikwereti chemari. Asi haubhadhare mari pamwedzi yeinishuwarenzi yehutano saka haufanire kubhadhara zvikwereti zvekurapa? Kwete chaizvo.





Gore rega rega, vazhinji vanoita zvemitemo vanofanirwa kushandisa imwe mari kubva muhomwe pamabasa ekurapa akakodzera chirongwa chavo cheinishuwarenzi chisati chatanga kubhadhara chero chinhu. Kana vachinge vasvika iyo dhora remari, inonzi yakadhonzwa, iyo inishuwarenzi yehutano inogovera iwo madhiri kudzamara muridzi wemitemo asvika paanobuda muhomwe, aka mari yaunofanira kushandisa kuitira kuti inishuwarenzi ifukidze zvese zvinokodzera zvehutano. Verenga pamusoro kuti unzwisise mutsauko uripo pakati pezviviri.



Chii chinonzi inishuwarenzi yehutano inobvisirwa?

Yegore inobviswa ndiyo huwandu hwemari iwe yaunofanirwa kushandisa kune akavharirwa ehutano ekuchengetedza masevhisi chirongwa chako cheinishuwarenzi chisati chatanga kubhadhara chero emubhadharo. Izvi zviri kuwedzera kune yepamwedzi premium kungova pachirongwa. Kazhinji, maprimiyamu epamusoro anoshandura kudzikisa zvakaderedzwa, nepo maprimiyamu akaderera achireva deductible yepamusoro. Mazhinji zvirongwa zveinishuwarenzi, kusanganisira wega uye mushandi inishuwarenzi yehutano, zvine mari inobviswa. Nekudaro, mamwe marongero ehutano ekuchengetedza (HMO) ane yakaderera inobviswa kana isina kubvisirwa zvachose.

Chii chinonzi kunze-kwehomwe kunonyanyisa?

Yegore kunze-kwehomwe kunonyanyisa ndiwo muganho muridzi wemitemo achazobhadhara mabasa ezvehutano, kusanganisa nemutengo weprimiyamu. Mushure mekunge muridzi wemutemo asvika pamari iyoyo (iyo inobviswa uye copays , pakati pezvimwe zvinodhura,), chirongwa cheinishuwarenzi chobva chavhara zvese zvinokodzera zvehutano zvegore irori.

Inobviswa kana kunze-kwehomwe yakakwira

Chaizvoizvo, inobvisirwa ndiyo mutengo unobhadharwa nemuridzi wezvehutano pasati chirongwa cheinishuwarenzi chatanga kuvhara chero mari, nepo kunze-kwehomwe yakakwira ndiyo mari inochengetwa nemuridzi wezvemari pamubhadharo wakakodzera wehutano kuburikidza nemacopay, coinsurance, kana zvakaderedzwa pamberi peiyo inishuwarenzi inotanga kuvhara zvese zvakavharwa. Nekuda kweizvi, inobviswa nemubati wemutemo inogara iri pasi pane yepamusoro-muhomwe muhombe.



Semuenzaniso, munhu anogona kunge aine $ 2,000 inobviswa uye ne $ 5,000 yakanyanya kubuda-muhomwe, anodaro David Belk , MD, munyori we Yechokwadi Mutengo weHutano Hutano . Vanogona kuwana zviuru gumi zvemadhora ekurapwa, toti, kurapwa, kuvhiyiwa, uye kurapwa kwepashure pekushanda. Yekutanga $ 2,000 inobhadharwa zvachose nemurwere. Mushure meizvozvo, murwere anogona kuzobhadhara kana yakatarwa kopi- $ 20, $ 50, $ 100 yakatemerwa pamberi nekambani yeinishuwarenzi, uye zvichienderana nebasa - kana muzana muzana yemubhadharo wakazara webasa rega rega rakavharwa, inova mari yekusimbisa.

Kana macopay emunhu iyeye nemari dzemari pamwe nemari yavanobvisa yasvika madhora zviuru zvishanu, havachakweretesi mari gore riya rekurapwa kwavo nekuti inishuwarenzi ichafukidza zvese zvinodhura, anotsanangura.

Yakakwira zvakadii kunze-kwe-muhomwe maimumums anosvika mu2020?

Kunyangwe zvakabviswa uye zvekunze-kwehomwe maximums zvichisiyana nehurongwa, zvese zvirongwa zvinosangana neAnogona Kutarisirwa Mutemo Act (ACA) zviyero zvinogadza muganho wegore wekuti yakakwira sei-muhomwe muhomwe maiyamu anogona kuenda. Gore rino, iyo IRS inotsanangura epamusoro anodonhedzwa marongero ehutano seaya ane mari inobviswa inosvika madhora chiuru nemazana mana kuvanhu kana madhora mazana maviri nemazana masere emhuri. Zve 2020 , kunze-kwehomwe maximums haikwanise kudarika $ 6 900 yehurongwa hwemunhu uye $ 13,800 yehurongwa hwemhuri. Mari dzinowanikwa kunze-kwe-samambure hutano masevhisi haatarise kune aya manhamba.



Iyo inobviswa inoshanda kune iyo yekunze-kwehomwe yakakwira?

Kutanga, zvakakosha kuti unzwisise kuti ungasangane sei neyako inobviswa. Matanho ekudzivirira akadai sekuongororwa kwegore negore anowanzo kupihwa pasina imwezve mutengo wevatengi. Naizvozvo, ivo havabatsire pakubata yako inobviswa. Kunyangwe ichisiyana nehurongwa, macopays ekuvharirwa kwemahofisi kazhinji haatarise kune chinobvisirwa apo mishonga yemishonga inogona kuverenga kune yakasarudzika tsamba bhenefiti inobviswa. Mari dzekugara muchipatara, kuvhiyiwa, bvunzo bvunzo, zviyero, uye zvimwe zvekurapa zvigadzirwa zvinowanzo kuverengerwa kune zvakabviswa.

In-network, kunze-kwe-muhomwe mari inoshandiswa kusangana neyako deductible inoshandawo kune yekunze-kwehomwe yakanyanya.

Mari yemubhadharo yemwedzi nemwedzi haishande kune iyo inobvisirwa kana yehomwe yakanyanya. Kunyangwe iwe ukasvika kune yako yekunze-yehomwe yakakwira, iwe uchafanirwa kuramba uchibhadhara mari yemwedzi wega yehurongwa hwako hwehutano kuti urambe uchiwana kufukidzwa.



Masevhisi anogamuchirwa kubva kunze-kwe-network vanopa zvakare haatarise kune yekunze-kwehomwe yakanyanya, kana zvimwe zvisina kuvharwa kurapwa nemishonga. Kamwe iyo yekunze-kwehomwe yakakwira zvasangana, varidzi vemitemo havafanirwe kubhadhara chero mutengo-kusanganisira macopayments uye coinsurance - kune chero uye zvese zviri-network kurapwa.

Inobviswa kana kunze-kwehomwe yakanyanya: Chii chakakosha?
Kuverenga Hazviverengi
Inobviswa
  • Kuchengetwa muchipatara
  • Kuvhiya
  • Lab miedzo
  • Scans
  • Mimwe michina yekurapa
  • Zvinyorwa-kunyangwe, zvingangotarisa kune zvakasiyana zvakabviswa
  • Kunze-kwe-network masevhisi
  • Copays
  • Mapuremi emwedzi wega wega
Kunze-kwe-muhomwe muganho
  • Zvese zvekunze-kwehomwe mari yakashandiswa kusangana nezvinobviswa
  • Copays
  • Kunze-kwe-network masevhisi
  • Mapuremi emwedzi wega wega

Maitiro ekuchengetedza pamitengo yehutano

Iwe une yakakwira inobviswa uye / kana kunze-kwehomwe yakakwira? Pachine nzira dzekuchengetedza.



  • Kana zvese zvako zvekunze-zvehomwe zvekurapa zvinodhura-mune mamwe mazwi, iyo mari isingabhadharwe nehurongwa hwako hwehutano - yegore rakapihwa rakasanganiswa rinoita zvinopfuura gumi muzana zvemari yako yegore rose, unogona kukwanisa kutora kubvisirwa mari yekurapa pamitero yako pane chikamu chemitengo yako
  • Gadzira account yekuchengetedza hutano (HSA) , kwaunogona kuisa mari yemutero- yemahara yezvehutano. Kusiyana neakagadzika account yekuchengetedza (FSA), HSA mari inopfuura gore rimwe nerimwe. Kana iwe usingashandise mari yese yakatarwa muHSA yako muna2020, uchave nayo ye2021 uye kupfuura.
  • Sevha pamitengo yehutano hwekushandisa uchishandisa ImweCare makuponi emishonga yekunyorera. Chero mari yekubuda-muhomwe inoshandiswa neYegaCare koponi haizoverengera kune inobvisirwa kana yekubuda muhomwe asi ichachengetedza pamitengo zvakadaro.