Inkcazo yeNkampani
Inkampani yaseUnitedHealthOne Insurance iye yanikela ngoncedo lwe-inshurensi yempilo engaphezu kweminyaka engama-65 kwaye inikezela ngemveliso ye-inshorensi yayo kuquka i-inshurensi yempilo kunye namazinyo kubantu ngabanye nabaqeshi kuma-40 nakwiSithili sase-Columbia.
Ukuzinza kwezemali kuhamba ixesha elide ekukwazisa ukuba unokuxhomekeka kwinkampani yomshuwalense ukuba ibe ngeenxa zonke xa ufuna kakhulu. Ukuthenga ngetyala kukuxelela ukuba inkampani inakho ukuhlawula nayiphi na ibango echazwe kwaye idibana nayo yonke imbopheleleko yemali. I-UnitedHealthOne ifumaneke ukulinganiswa kwamandla emali okubakho kule mibutho ye- inshorensi :
- I-AM Best - "Eyona nto ibalulekileyo"
- I-Standard & Poor's (S & P) - "A + Strong"
Ikomkhulu leenkampani likuMinneapolis, eMinnesota. Njengenkampani ye-Fortune 500, i-UnitedHealthOne ine-70 million yase-US yabanini-nkqubo abanemali engenayo yemali engama-5 billion. I-UnitedHealth Care Life Insurance Inkampani ibhala izicwangciso zamazinyo.
UnitedHealthOne Plans Plans
Ngo-UnitedHealthOne, kukho izicwangciso zamazinyo ezininzi ezifumanekayo ukubonelela ngentsapho kuwe kunye nentsapho yakho ngokunyamekela kwamazinyo okukhusela kunye nezinye izicwangciso zesiseko ezifana nokuzaliswa. Ezinye iiplani zongeza ukukhutshwa okongezelelweyo ngeenkonzo ezinkulu ezinjengeengcambu zengcambu.
Ezinye zezicwangciso ezifumaneka kuwe kwi-UnitedHealthOne ziquka:
- I-Primary Primary : i-$ 50 ngamnye ngomntu ochithwayo kwiinkonzo ezisisiseko xa usebenzisa umboneleli wenethiwekhi. Ikhophi yama-25 eyi-25 isebenza kwiinkonzo zokukhusela. Akukho xesha lokulinda iinkonzo zonyango lokukhusela. Emva kokuba udibane ne-deductible yakho, uya kuhlawula i-30% ngeenkonzo ezisisiseko. Kukho ixesha lokulinda lenyanga ezili-6 zokufumana iinkonzo ezisisiseko. Iinkonzo ezinkulu kunye ne-orthodontics azihlanganiswa phantsi kwesi sicwangciso. Umyinge wonyaka u-$ 1,000 ngomntu ngomnyaka wekhalenda.
- I-Primary Primary Preference : i-$ 50 ngamnye ngomntu ochithwe kwiinkonzo ezisisiseko kunye ezinkulu xa usebenzisa umnikezeli wenethiwekhi. Akukho xesha lokulinda iinkonzo zonyango lokukhusela kwaye uhlawula i-$ 25 yokuhlawula umvuzo. Ixesha lokulinda iinkonzo ezisisiseko liinyanga ezili-6 kwaye uhlawula i-30% emva kokudibana ne-deductible yakho. Iinkonzo ezinkulu zigqitywa emva kweenyanga ezili-12 kwaye uhlawula i-50% emva kokudibana ne-deductible yakho. Inzuzo ephezulu yonyaka ngamnye ngomntu i-$ 1,000.
- Amazinyo ayimfuneko : i-$ 50 ngamnye ngomntu ochithwayo kwiinkonzo ezisisiseko xa usebenzisa umboneleli wenethiwekhi. Akukho xesha lokulinda lonyango lokukhusela ngaphandle kopayili. Iinkonzo ezisisiseko zifakwe emva kweenyanga ezi-4 kwaye uhlawula i-30% emva kokudibana kwakho. Iinkonzo ezinkulu azifakiwe. Kukho unyaka ophezulu wonikezelo lwe-$ 1,000 ngomntu ngamnye.
- Amazinyo Okubalulekileyo Okukhethiweyo : $ 50 ngamnye ngomntu osuswe kwiinkonzo ezisisiseko kunye neenkonzo ezinkulu xa usebenzisa umnikezeli wenethiwekhi. Akukhokho i-copay kwaye akukho xesha lokulinda leenkonzo zokunakekela ukhuseleko. Ngeenkonzo ezisisiseko, kukho iinyanga ezi-4 zokulinda kwaye uhlawula i-30% emva kokudibana ne-deductible yakho. Iinkonzo ezinkulu zigqitywa emva kweenyanga ezili-12 kwaye uhlawula i-50% emva kokudibana ne-deductible yakho. Umyinge wonyaka u-$ 1,000 ngomntu ngamnye.
- Inkulumbuso yeNkulumbuso yeeNyununu : i-$ 50 idibene kunye nomntu ngamnye ochithwayo kwiinkonzo ezisisiseko kunye nezikhulu. Ayikho ikopi okanye ixesha lokulinda iinkonzo zokukhusela. Iinkonzo ezisisiseko zihlanganiswa emva kweenyanga ezintandathu kwaye uhlawula i-20% emva kokudityaniswa. Kwiinkonzo ezinkulu, kukho iinyanga ezili-12 zokulinda kwaye uhlawula i-50% emva kokudityaniswa. Ukugqithiswa komyinge wonyaka ngamnye ngomntu ukwandiswa ngokunyuka iminyaka engama-4 ukuya kuma-1,500 kumntu ngamnye emva komnyaka wesine.
- Inkulumbuso ye-Premier Elite : i-$ 50 idibeneyo edibeneyo kwiinkonzo ezisisiseko kunye neziphambili. Ungasebenzisa umnikezeli wenethiwekhi ngaphandle kwesi sicwangciso. Akukho ikopi kwaye akukho xesha lokulinda kwiinkonzo zokukhusela. Ngeenkonzo ezisisiseko, kukho ixesha lokulinda lenyanga ezili-6 kwaye uhlawula i-20% emva kokudityaniswa. Kukho ixesha lokulinda inyanga ezili-12 kwiinkonzo ezinkulu kwaye uhlawula i-50% emva kokudityaniswa. Ukugqithiswa komyinge wonyaka ngamnye ngomntu ukwandiswa ngokunyuka iminyaka engama-4 ukuya kuma-1,500 kumntu ngamnye emva komnyaka wesine.
Okuhle nokubi
Iinkonzo
UnitedHealthOne inomnatha omkhulu wabasebenzi bamazinyo abathatha inxaxheba. Oku kuthetha ukuba unako ukuqhubeka nokusebenzisa i-dentist yakho yangoku nje nje ngokuba ugqirha wamazinyo ngumnikezeli onqwenelayo. Uluhlu lomnikezeli okhethiweyo lunokufikelela kumalungu ukuba athole inene wamazinyo athetha nawe. Ezinye zezicwangciso zentsapho zinikela ngokunciphisa ngonyaka ukwenzela ukuba zingaphantsi kwe-$ 50 ngomntu ngamnye.
Awusoze uhlawule i-deductible kwisicwangciso seentsapho ezingaphezu kwamalungu amathathu osapho. Umgangatho uphinde ufumaneke kubantu abodwa kwi-Medicare. Kananjalo unakho ukunyusa inzuzo yomshuwalense yombono kwirejista yakho.
Umxhasi
Azikho zonke izicwangciso zezinyathelo zezinyo ezibonelelwa ngeUnitedHealthOne zibandakanya ukuhanjiswa kweenkonzo ezinkulu kunye nokunakekelwa kwe-orthodontic ayifakwe . Iinkonzo ezinikezwa ngumntu wamazinyo angaphandle kweenkonzo zingabonakala ziphezulu.
Iinkcukacha zoqhakamshelwano
Ukuba unomdla wokuthenga i-UnitedHealthOne inqubomgomo yamazinyo okanye ungathanda ukufunda okunye malunga neminye imveliso yomshuwalense wezempilo, unokutyelela kwiWebhsayithi yeWorldHealthOne okanye ubize 800-444-8990.