Ukuqonda izindleko zakho zokunakekelwa kwezempilo

Zonke izinhlelo zomshuwalense wezempilo zifaka izindleko ezingaphandle kwezikhwama. Lezi yizindleko okufanele uzikhokhele ukunakekelwa kwakho, njengama-copayments nama-deductibles. Inkampani yomshwalense ikhokha okusele. Udinga ukukhokha ezinye izindleko zokuphuma ephaketheni ngesikhathi sokuvakasha kwakho. Abanye bangakhokhiswa kuwe ngemuva kokuvakasha kwakho.

Izindleko eziphuma ephaketheni zivumela izinhlelo zezempilo ukuthi zabelane nawe ngezindleko zokwelashwa. Futhi zingakusiza zikuqondise ekwenzeni izinqumo ezinhle mayelana nokuthi ungakuthola kuphi futhi nini.

Uma ukhetha uhlelo lwezempilo, udinga ukuqonda ukuthi izindleko zakho ezingaphandle kwephakethe zingaba yini. Ngale ndlela, ungahlelela kusengaphambili ngalokho ongakudinga ukukusebenzisa phakathi nonyaka. Ungase futhi ukwazi ukubheka izindlela zokonga imali kuzindleko ezingaphandle kwephaketheni.

Izindaba ezimnandi kukhona ukuthi kunomkhawulo wokuthi kungakanani okufanele ukhokhe ephaketheni. Icebo lakho "linomkhawulo ophuma ephaketheni." Lapho usufinyelele leyo mali, ngeke usakhokha ezinye izindleko zokuphuma ephaketheni zonyaka.

Kusazodingeka ukhokhe imali ekhokhwa njalo ngenyanga, noma ngabe kusetshenziswa ziphi izinsizakalo.

Zonke izinhlelo zehlukile. Izinhlelo zingafaka zonke noma ezinye zalezi zindlela zokwabelana nawe izindleko:

• I-Copayment. Le yinkokhelo oyenzela ukuvakashelwa kanye nemiyalo ethile yabahlinzeki bezempilo. Inani elibekiwe, njenge- $ 15. Uhlelo lwakho lungafaka phakathi amanani we-copayment (copay) ahlukile wezidakamizwa ezithandwayo nezingathandwa. Lokhu kungaba kusuka ku- $ 10 kuye ku- $ 60 noma ngaphezulu.
• Iyadonswa. Leli inani eliphelele okufanele ulikhokhele izinsizakalo zezokwelapha ngaphambi kokuba umshuwalense wakho wezempilo uqale ukukhokha. Isibonelo, ungahle ube necebo elinokudonswa okungu- $ 1,250. Uzodinga ukukhokha u- $ 1,250 ephaketheni phakathi nonyaka wohlelo ngaphambi kokuba inkampani yakho yomshuwalense iqale ukukhokha.
• Coinsurance. Leli yiphesenti olikhokhela ukuvakasha noma isevisi ngayinye. Isibonelo, izinhlelo ezingama-80/20 zivamile. Ngecebo lika-80/20, ukhokha u-20% wezindleko zesevisi ngayinye oyitholayo. Uhlelo lukhokha u-80% osele wezindleko. I-Coinsurance ingaqala ngemuva kokuthi ukhokhe imali yakho ekhishwayo. Khumbula ukuthi uhlelo lwakho lungaba nomkhawulo omkhulu ovunyelwe kuzindleko zesevisi ngayinye. Kwesinye isikhathi abahlinzeki bakhokhisa ngaphezulu, futhi kungadingeka ukuthi ukhokhe leyo mali eyengeziwe kanye nama-20% akho.
• Ubukhulu obuphuma ephaketheni. Leli inani eliphakeme lama-co-pays, deductible, kanye ne-coinsurance okufanele ukhokhe ngonyaka wohlelo. Lapho usufinyelele inani lakho eliphuma ephaketheni, uhlelo lukhokha u-100%. Ngeke kusadingeka ukhokhe i-coinsurance, ama-deductibles, noma ezinye izindleko zokuphuma ephaketheni.

Ngokuvamile, awukhokhi lutho ngezinsizakalo zokuvimbela. Lokhu kufaka phakathi imithi yokugoma, ukuvakashelwa kahle minyaka yonke, ukuqubuka komkhuhlane, nokuhlolwa kokuhlolwa kwezempilo.

Ungadinga ukukhokha uhlobo oluthile lwezindleko eziphuma ephaketheni ze:

• Ukunakekelwa okuphuthumayo
• Ukunakekelwa kweziguli
• Ukuvakashelwa kwabahlinzeki ngokugula noma ukulimala, njengokutheleleka kwendlebe noma ubuhlungu bamadolo
• Ukunakekelwa kochwepheshe
• Ukufanekisa noma ukuvakashelwa ukuxilongwa, okufana nama-x-ray noma ama-MRIs
• Ukuvuselelwa, ukwelashwa ngokomzimba noma kokusebenza, noma ukunakekelwa kwe-chiropractic
• Impilo yengqondo, impilo yokuziphatha, noma ukunakekelwa kwezidakamizwa
• I-Hospice, impilo yasekhaya, ubuhlengikazi obunamakhono, noma imishini yezokwelapha eqinile
• Imithi kadokotela
• Ukunakekelwa kwamazinyo nokwamehlo (uma kunikezwa ngohlelo lwakho)

Khetha uhlobo olulungile lwecebo lezempilo ngokuya ngendawo yakho, impilo, nokunye okuthandayo. Yazi izinzuzo zakho, njengokuthi zihlobana kanjani nokuvakashelwa kwamagumbi okuphuthumayo nabahlinzeki benethiwekhi.

Khetha umhlinzeki wokunakekelwa oyinhloko okusiza ukukuholela ekuhlolweni nasezinkambisweni ozidingayo kuphela. Buza futhi ngezinsiza eziphansi nemithi.

Ukuqonda izindleko zakho zokunakekelwa kwezempilo kungakusiza wonge imali lapho ulawula ukunakekelwa kwakho.

Healthcare.gov iwebhusayithi. Ukuqonda izindleko zomshuwalense wezempilo kwenza izinqumo ezingcono. www.healthcare.gov/blog/understanding-health-care-costs/. Kubuyekezwe uJulayi 28, 2016. Kufinyelelwe ngoNovemba 1, 2020.

HealthCare.gov iwebhusayithi. Ukuqonda ukumbozwa kwakho kwezempilo. www.healthcare.gov/blog/understanding-your-health-coverage. Kubuyekezwe uSepthemba 2020. Kufinyelelwe ngoNovemba 1, 2020.

HealthCare.gov iwebhusayithi. Izindleko zakho eziphelele zokunakekelwa kwezempilo: izindleko zeprimiyamu, ezikhishwayo nezikhishwa ephaketheni. www.healthcare.gov/choose-a-plan/your-total-costs. Kufinyelelwe ngoNovemba 1, 2020.

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