Siphula iintlobo ezahlukeneyo ze-inshorensi yezempilo kunye neendleko zazo, ngoko ke unokukhetha icebo elifanelekileyo kakhulu.
Iintlobo zeSiseko zoPhuhliso
Isicwangciso se- inshurensi yempilo yesintu isebenza kwinkqubo yee-copays kunye needroductions. Isicwangciso sinceda ukuhlawula iibhilikhwe zakho, iimvavanyo zebhu, nemigqaliselo. Ngenkqubo yomshuwalense wempilo yenkcubeko, unokuba noxanduva lwezezimali ukuhlawula iikhowyiti (okanye i-copays), i-deductibles, kunye ne-coinsurance.
Nangona kunjalo, xa sele udibene nexabiso lakho lemali-mali , uya kuba noxanduva lwee-copays, ezisoloko ziphantsi. Kubalulekile ukuhlala ngaphakathi kwinethiwekhi xa ukhetha umboneleli wezempilo okanye uya kugqirha ukuze ugcine iindleko zakho phantsi kwenkqubo yomshuwalense wezempilo.
Njengoko igama libonisa, isicwangciso sezempilo esiphezulu esinqunyiwe (HDHP) sinokuhlawulelwa okuphezulu ukuba kufuneka udibane phambi kokuba i-inshurensi iqale ukuhlawula isabelo sabo seofisi, iimvavanyo zebhu, nemimiselo.
Ukuze kulungelelwe njengesicwangciso esiphakamileyo, i-deductible kufuneka ibe yi-$ 1,350 kwaye ayikwazi ukudlula i-$ 6,650.
Ngokuqhelekileyo, iiHDHP zidibene neAkhawunti Yokulondoloza Impilo (HSA) ukukunceda ukucima iindleko zokuphuma ngaphandle.
Kodwa ezi azinjalo kuphela iintlobo zeenkqubo zinshorensi yezempilo. Kukho ezinye iindidi ze-inshurensi yezempilo enokuthi ufaneleke, kuxhomekeke kwisimo sakho semali, isimo sakho somsebenzi kunye nobudala bakho.
Kodwa ngenjongo yale nqaku, siya kuqhathanisa i-HDHP kunye neenkqubo zomshuwalense wezempilo.
Ukukhetha Isicwangciso Esifanelekileyo Kuwe
Kungaba yisigqibo esinzima ukukhetha uluphi uhlobo lwe-inshurensi yezempilo ekuthengeni. Isigqibo esikhulu kwaye sinokukuhlawula imali enkulu.
Izicwangciso ze-inshorensi zempilo zendalo zineengcipheko ezincinci, ngoko oku kungcono kukukhetha ukuba uhamba ugqirha ngokuphindaphindiweyo, okanye ulindele ukuba neendleko zonyango ezinkulu kwixesha elizayo, njengokuba usana .
Ngenye indlela, izicwangciso zempilo ezidityanisiweyo eziphezulu zineprayimali ephantsi, enokukugcina imali ngexesha elide. Ukuba unempilweni kwaye ufuna indlela yokunciphisa iindleko ezi nokuba yinto ekhethekileyo yokuqwalasela. Nangona kunjalo, ufuna ukuqinisekisa ukuba unayo imali eyinkunzi yokwenza uhlawulelo oluphezulu, njengoko luchaziwe, lunokuhlawula amawaka.
Zama ukwenza uluhlu lweemfuno zakho zonyango lweempilo kwiminyaka embalwa ezayo, ngoko ubale ukuba isicwangciso sini sinceda kakhulu ngemali.
Ukuphulwa kweNdleko yeziCwangciso
Ukuba unenkxalabo malunga nokuba isicwangciso ngasinye se-inshorensi sinokukuhlawula njani, uzama ukunyusa iindleko zonyaka ze-premium nganye, i-deductibles, kunye neendleko eziphezulu kwiiplani nganye. Oku kuya kunika uqikelelo malunga nokuba isicwangciso ngasinye siya kubabiza njani.
Masithi unenkqubo yomshuwalense yendabuko ebiza i-$ 290 ngenyanga, kunye ne-annuity deductible ye-$ 1,000 kunye ne-coinsurance ngaphandle kwipokethi engaphezulu kwama-2,000. Esi sicwangciso sinokukuhlawula i-$ 290 x 2 = $ 3,480 + $ 1,000 + $ 2,000 = $ 6,480 kunye neendleko ze-copay kunye nemigqaliselo kulo nyaka.
Ukuba unesicwangciso se-inshurensi ephakamileyo echithwe nge-deductible ye-$ 5,000 kunye ne-premium yenyanga eyi-$ 110, uza kugqiba ukuhlawula i-$ 6,320 ($ 110 x 12 + $ 5,000). Akuyi kubakho nayiphi na i-copays eyongezelelweyo kwimimiselo okanye ukutyelela iofisi yeeofisi. Ngaloo ndlela, i-HDHP yayingabizi.
Ukufumana i-Intshulamu efanelekileyo
Kubalulekile ukukhumbula ukuba njengoko ucinga ngeentlobo ze-inshorensi, uyayicinga ukuba unako ukusebenzisa isixa esiphezulu. Le yindlela efanelekileyo yokufumanisa isicwangciso esilungileyo kwiimfuno zakho.
Ukuba ugqiba ukuhamba ngesicwangciso esiphakamileyo sokutsalwa kufuneka usebenzise inzuzo ye- HSA , eyona-akhawunti yokulondoloza i-tax-benefited help to pay for expenses.
Khumbula, kukho iintlobo ezahlukeneyo ze-inshorensi yezempilo: abo ngokusebenzisa umqeshi wakho, ngokusebenzisa inkampani ye-inshurensi yempilo yodwa, kwanokuba utshintshiselwano lwempilo ukuba umqeshi wakho akanikeli i-inshurensi yezempilo. Kwakhona ugcine engqondweni ukuba ukuba awufumani i-inshorensi yempilo, unokuhlawula irhafu okanye iifizi nge- Care Affordable Act .
Ukuhlaziywa nguRachel Morgan Cautero .