Momwe mungasankhire dongosolo laumoyo

Zikafika pakupeza inshuwaransi yazaumoyo, mutha kukhala ndi njira zingapo. Olemba ntchito ambiri amapereka mapulani angapo. Ngati mukugula kuchokera ku Health Insurance Marketplace, mutha kukhala ndi mapulani angapo oti musankhe. Mukudziwa bwanji zosankha? Mapulani ambiri azachipatala ali ndi mawonekedwe ofanana.

Bukuli lingakuthandizeni kumvetsetsa momwe mungafanizire zomwe mungasankhe, kuti mupeze ntchito zomwe mungafune pamtengo wokwanira bajeti yanu.

Ngakhale mapulani ambiri ali ndizofanana, pali zosiyana zomwe muyenera kudziwa.

Zolipira. Izi ndizomwe mumalipira inshuwaransi yazaumoyo. Mutha kulipira mwezi uliwonse, kotala, kapena kamodzi pachaka. Muyenera kulipira ngakhale mutagwiritsa ntchito ntchito zotani. Wolemba ntchito wanu amatenga ndalama zanu pamalipiro anu. Mutha kuwalipira nokha.

Ndalama zotuluka m'thumba. Izi zikuphatikiza ma copayments (copays), ndalama zochotseredwa, komanso inshuwaransi ya co. Izi ndi ndalama zomwe mumalipira m'thumba pazinthu zina. Ndondomeko yanu yazaumoyo imalipira zotsalazo. Muyenera kulipira ndalama zingapo mthumba dongosolo lanu lazaumoyo lisanayambe kulipira mtengo wosamalira.

Ubwino. Awa ndi ntchito zazaumoyo zomwe zimakonzedwa. Tithokoze chifukwa chakusintha kwa zaumoyo, mapulani ambiri ayenera tsopano kukwaniritsa zofunikira zofananira. Izi zimaphatikizapo chisamaliro chodzitchinjiriza, chisamaliro cha kuchipatala, chithandizo cha amayi oyembekezera, chisamaliro cha m'maganizo, kuyesa kwa labu, ndi mankhwala akuchipatala. Ntchito zina monga chiropractic, mano, kapena chisamaliro cha masomphenya mwina sizingachitike. Komanso, mapulani ena amangotenga mankhwala ena akuchipatala, kapena kulipiritsa ma copay osiyanasiyana.

Wopezera maukonde. Mapulani ambiri ali ndi netiweki yothandizira. Othandizirawa ali ndi mgwirizano ndi ndondomekoyi. Amapereka ntchito pamtengo wokhazikika. Ndalama zanu zotuluka m'thumba ndizotsika mukamagwiritsa ntchito omwe amakupatsani ma netiweki.

Ufulu wosankha. Zina mwazinthu zimakupatsani ufulu wopanga nthawi yokumana ndi omwe amakupatsani. Ndi mapulani ena, muyenera kupeza mwayi wopita kuchipatala kuti mukawone katswiri. Mapulani ambiri amakupatsanso mwayi wosankha ogwiritsa ntchito ma network, koma pamtengo wokwera. Kumbukirani kuti ndalama zomwe mumalipira komanso zotuluka m'thumba zitha kukhala zazikulu pamalingaliro omwe amakulolani kuti muwone omwe akutuluka pa netiweki.

Zolemba. Pazinthu zina, mungafunike kuyika madandaulo. Ngati muli ndi akaunti yosungira zamankhwala ndalama zomwe mumalipira mthumba, mungafunikire kuti muzisunga ndalama zanu. Muyeneranso kuchita zolemba zina pamisonkho.

Olemba ntchito anzawo ndi mabungwe aboma, monga Msika, amapereka chidziwitso pa pulani iliyonse. Mutha kupatsidwa kabuku komwe kakuyerekeza zosankha zanu zonse. Muthanso kufananitsa mapulani pa intaneti. Powunikiranso dongosolo lililonse:

• Onjezerani mtengo wa ndalama zapachaka.
• Ganizirani za ntchito zingapo zomwe inu ndi banja lanu mungagwiritse ntchito pachaka. Onjezerani zomwe ndalama zanu zakuthumba zitha kukhala zantchito iliyonse. Onetsetsani kuchuluka kwa ndalama zomwe muyenera kulipira pa pulani iliyonse. Simungathe kufika pazokwanira ngati simugwiritsa ntchito zochepa.
• Onetsetsani ngati opereka chithandizo ndi zipatala ali mgululi. Ngati sichoncho, onani kuchuluka kwa zomwe muyenera kulipira kuti muwone omwe akutuluka pa intaneti. Komanso fufuzani ngati mukufuna otumizidwa.
• Onani kuti muwone ngati mungapezeke pazithandizo zapadera zomwe mungafune, monga mano kapena chisamaliro cha masomphenya. Onetsetsani kuti mankhwala aliwonse omwe akupatsidwa ndi mankhwala anu akuphimbidwa ndi pulani yanu.
• Onjezani ndalama zanu zoyambirira, mtengo wakuthumba, mtengo wamankhwala, ndi zina zowonjezera kuti mupeze ndalama zonse pachaka.
• Onani kuchuluka kwa zikalata ndi kudziyang'anira komwe kumabwera ndi pulani yanu. Ganizirani za nthawi komanso chidwi chomwe muli nacho pakuwongolera ntchitozi.
• Dziwani ngati pali kuchotsera kwapadera ku masewera olimbitsa thupi kwanuko kapena pulogalamu yochepetsa thupi, kapena mapulogalamu ena azaumoyo omwe mungafune kugwiritsa ntchito.

Kupatula nthawi kuti muwone zomwe mungasankhe ndikuyerekeza mitengo ndiyofunika kuti muwonetsetse kuti mupeza dongosolo laumoyo lomwe likugwirizana ndi zosowa zanu ndi chikwama chanu.

Healthcare.gov tsamba. Takulandirani ku wopeza mapulani. opeza.healthcare.gov. Idapezeka pa Okutobala 27, 2020.

Healthcare.gov tsamba. Momwe mungasankhire dongosolo la inshuwaransi yazaumoyo: 3 zinthu zoti mudziwe musanapange dongosolo la inshuwaransi yazaumoyo. Zaumoyo.de.gov/choose-a-plan. Idapezeka pa Okutobala 27, 2020.

Healthcare.gov tsamba. Kumvetsetsa mtengo wa inshuwaransi yaumoyo kumapangitsa kuti musankhe bwino. www.healthcare.gov/blog/ Understanding-health-care-costs/. Idasinthidwa pa Julayi 28,2016. Idapezeka pa Okutobala 27, 2020.

• Inshuwalansi ya Zaumoyo