Kumvetsetsa zaumoyo wanu

Ndondomeko zonse za inshuwaransi yazaumoyo zimaphatikizapo ndalama zotulutsidwa mthumba. Izi ndi ndalama zomwe muyenera kulipira kuti muzisamalira, monga zolipira ndi zochotseredwa. Kampani ya inshuwaransi imalipira zotsalazo. Muyenera kulipira ndalama zakathumba panthawi yomwe mumacheza. Ena angakulipireni mukadzacheza.

Mtengo wotuluka m'thumba umalola kuti mapulani azaumoyo agawane nanu zamankhwala. Angakuthandizeninso kukutsogolerani kuti mupange zisankho zabwino zakomwe mungapeze chisamaliro ndi liti.

Mukasankha dongosolo laumoyo, muyenera kumvetsetsa zomwe mtengo wakuthumba kwanu ungakhale. Mwanjira imeneyi, mutha kukonzekera zamtsogolo pazomwe mudzafunika kuti muzigwiritsa ntchito pachaka. Muthanso kufunafuna njira zopulumutsira ndalama kuthumba.

Nkhani yabwino ndiyakuti pali malire pazomwe mungalipire mthumba. Dongosolo lanu lili ndi "kutuluka m'thumba". Mukafika pamalowo, simusowa kulipira ndalama zina zakuthumba pachaka.

Muyenera kulipira ndalama pamwezi, ngakhale mutagwiritsa ntchito ntchito ziti.

Mapulani onse ndi osiyana. Mapulani atha kuphatikizira zonse mwanjira izi kuti mugawane ndalama nanu:

• Kukopera. Izi ndi zomwe mumalipira mukamapita kukalandira chithandizo chamankhwala. Ndi ndalama zoikika, ngati $ 15. Dongosolo lanu liphatikizanso ndalama zolipirira (copay) zosiyanasiyana pamankhwala osankhidwa ndi omwe sanasankhidwe. Izi zitha kuyambira $ 10 mpaka $ 60 kapena kupitilira apo.
• Zodula. Izi ndi ndalama zonse zomwe muyenera kulipira kuchipatala inshuwaransi yanu isanayambe. Mwachitsanzo, mutha kukhala ndi pulani yokhala ndi $ 1,250 yochotseredwa. Muyenera kulipira $ 1,250 mthumba mchaka chamakampani anu a inshuwaransi asanayambe kulipira.
• Coinsurance. Izi ndi kuchuluka komwe mumalipira paulendo uliwonse kapena ntchito iliyonse. Mwachitsanzo, mapulani 80/20 ndiofala. Pa pulani ya 80/20, mumalipira 20% yamtengo uliwonse pantchito iliyonse yomwe mumalandira. Dongosololi limalipira 80% yotsalayo. Coinsurance ikhoza kuyamba mutalipira ndalama zanu. Kumbukirani kuti pulani yanu itha kukhala ndi malire pazoyenera kuchita pamtengo uliwonse. Nthawi zina othandizira amalipira zambiri, ndipo mumatha kulipira ndalama zowonjezerazo komanso 20% yanu.
• Kutuluka mthumba. Izi ndiye kuchuluka kwa ndalama zomwe mumalipira, deductible, ndi chitsimikizo chomwe muyenera kulipira mchaka chamaphunziro. Mukafika pazokwera mthumba, dongosololi limalipira 100%. Simufunikanso kulipira ndalama zandalama, zochotseredwa, kapena zolipirira mthumba.

Mwambiri, simulipira chilichonse chothandizira. Izi zikuphatikiza katemera, kuyendera zitsime pachaka, kuwombera chimfine, komanso kuyesa mayeso azaumoyo.

Mungafunike kulipira ndalama zina mthumba:

• Chisamaliro chadzidzidzi
• Kusamalira odwala
• Maulendo operekera odwala kapena ovulala, monga matenda am'makutu kapena kupweteka kwamondo
• Chisamaliro cha akatswiri
• Kulingalira kapena kuyendera matenda, monga x-ray kapena MRIs
• Rehab, chithandizo chamankhwala kapena chantchito, kapena chisamaliro cha chiropractic
• Maganizo, thanzi, kapena kugwiritsa ntchito mankhwala osokoneza bongo
• Hospice, thanzi kunyumba, unamwino waluso, kapena zida zolimba zamankhwala
• Mankhwala osokoneza bongo
• Kusamalira mano ndi diso (ngati kuperekedwa ndi dongosolo lanu)

Sankhani mtundu wa mapulani oyenera azaumoyo kutengera komwe muli, thanzi lanu, ndi zokonda zina. Dziwani zabwino zanu, monga momwe zimakhudzira maulendo obwera mwadzidzidzi ndi omwe amapereka ma netiweki.

Sankhani wothandizira wamkulu yemwe amakuthandizani kukutengera mayeso ndi njira zomwe mukufuna. Komanso funsani za malo otsika mtengo komanso mankhwala.

Kumvetsetsa zaumoyo wanu kumatha kukuthandizani kuti muzisunga ndalama posamalira chisamaliro chanu.

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 Novembala 1, 2020.

HealthCare.gov tsamba. Kumvetsetsa zaumoyo wanu. www.healthcare.gov/blog/ Understanding-your-health-coverage. Idasinthidwa mu Seputembara 2020. Idapezeka Novembala 1, 2020.

HealthCare.gov tsamba. Ndalama zanu zonse zakuchipatala: ndalama zoyambira, zochotseredwa & zotuluka mthumba. Health Healthcare.gov/choose-a-plan/your-total-costs. Inapezeka pa Novembala 1, 2020.

• Inshuwalansi ya Zaumoyo