I-HMO vs. EPO vs. PPO: Uyintoni umahluko?

Inkampani

Uluvo olusemva kweinshurensi yezempilo lulula: Kuyanceda ukuhlawula iindleko zakho zonyango ukuba wenzakele okanye uyagula. Kodwa inyani yeinshurensi yezempilo eMelika inzima ngakumbi. Zininzi izifinyezo ezichaphazelekayo- HMO vs. EPO vs. PPO vs. POS vs. HSA vs. PCP. Ukufumanisa ukuba leliphi na icebo leinshurensi elilungele wena linokudideka.

Iindidi ezintathu eziqhelekileyo zezicwangciso zeinshurensi yezempilo zi-HMO, EPO, kunye nezicwangciso ze-PPO. Isigqibo sakho siya kusekelwa kumvuzo wakho, indlela ophila ngayo, kunye nomsebenzi, kunye nempilo yosapho lwakho ngokubanzi, ezemali kunye neemfuno zonyango.

Eyona nto ibalulekileyo kukuvavanya zonke izinto ngaphambi kokukhetha isicwangciso, endaweni yokucinga ukuba eli qela leeleta lingcono kunelinye iqela leeleta, utsho uVincent Plymell, umkomishinala oncedisayo weCandelo laseColorado le-Inshurensi. Ngokukhetha phakathi kwe-HMOs, ii-EPOs, kunye nee-PPOs, kule minyaka idlulileyo ezi ntlobo zezicwangciso ziye zafana ngakumbi, kungoko ke ziya ziba mbalwa malunga negama lesicwangciso kwaye ngakumbi malunga neenkonzo ezingaphakathi kweso sicwangciso.

HMO Vs. EPO vs. I-PPO

Umbutho wolondolozo lwempilo, okanye I-HMO , luhlobo lwesicwangciso sezempilo esikunika ukufikelela kwinethiwekhi yababoneleli, izibhedlele, kunye nabanikezeli bezempilo kwindawo yakho. Ngokwesiqhelo, izicwangciso ze-HMO zifuna ukuba ukhethe ugqirha wokhathalelo oluphambili (PCP). Lo ngugqirha wakho, lowo ubonisana naye kuqala malunga nayiphi na imiba yezempilo. Ukuba ufuna iinkonzo zokhathalelo lwempilo ezongezelelweyo, i-PCP yakho iya kukuthumela kwingcali ngaphakathi kwenethiwekhi ye-HMO. Ukuba uya kugqirha ongaphandle kwenethiwekhi okanye isibhedlele, kuya kufuneka ubhatale epokothweni iindleko zonyango ezingxamisekileyo.

Umbutho obonelela ngokukodwa, okanye i-EPO, ifana ne-HMO kuba zombini ziqulathe inethiwekhi yababoneleli ngezempilo kunye namaziko. Nangona kufuneka ukhethe ugqirha wokhathalelo oluphambili kwii-EPOs ezininzi, awudingi ukuthunyelwa ukuze ufikelele kwingcali-ngokungafaniyo ne-HMO. Inethiwekhi ye-EPO inokubanzi ngakumbi kunenethiwekhi ye-HMO. Ngaphandle kokuba yimeko engxamisekileyo, ii-HMOs kunye nee-EPOs ngokubanzi zifuna ukuba uhlawule zonke iindleko ngalo naluphi na ukhathalelo lwangaphandle kwenethiwekhi.

Ngombutho okhethiweyo womboneleli, okanye I-PPO , Isicwangciso sakho seinshurensi yezempilo sinomnatha wabanikezeli bezempilo kunye namancedo kwindawo yakho nakwilizwe liphela asebenza nalo kwaye unokukhetha ukuba ufune. Ukuba uya kwaba baboneleli, inxenye enkulu yeendleko zakho iya kuhlawulwa sisicwangciso. Ngokungafaniyo nee-EPOs kunye nee-HMOs, ii-PPOs ziya kugubungela iindleko zangaphandle kwenethiwekhi okoko zenzelwe iinkonzo ezigutyungelweyo. Inethiwekhi ye-PPO ihlala ibandakanya ababoneleli kumazwe ahlukeneyo, kwaye, njenge-EPO, awuyi kufuna ukuthunyelwa kugqirha wokhathalelo lokuqala ukubona ingcali.

Ii-HMOs zibonelela ngobuncinane bokungaguquguquki kodwa zihlala zineendleko eziphantsi zenyanga. Ii-EPOs ziguquka ngakumbi kodwa zihlala zibiza ngaphezulu kwe-HMOs. Ii-PPOs, ezinikezela ngezona zinto ziguquguqukayo, zezona zibiza kakhulu.

Yeyiphi eyona ilungileyo: i-PPO, i-EPO, okanye i-HMO?

Iimfuno zokhathalelo lwempilo lomntu wonke zahlukile. Abanye abantu bafuna iinkonzo zonyango eziqhelekileyo. Abanye banemigqaliselo efuna ukuzaliswa. Kwaye abantu abaninzi basempilweni njengoko kunokuba njalo kwaye akukho phantse iimfuno zokhathalelo lwempilo konke konke. Yiyo loo nto kungenakwenzeka ukuba loluphi uhlobo lwesicwangciso olona lulungileyo. Impendulo yahlukile kumntu ngomntu, urhulumente ukuya kwilizwe, kunye nomqeshi kumqeshi.

Ngexesha ukubhalisa okuvulekileyo Kuya kufuneka uzibuze imibuzo ngaphambi kokuba ukhethe umgaqo-nkqubo:

• Zithini iimfuno zam zempilo kunye nezempilo zosapho lwam?
• Yeyiphi imigqaliselo endiyithathayo?
• Zeziphi iimeko endinazo?
• Yeyiphi imicimbi yezempilo endiyilindeleyo okanye lilungu losapho kulo nyaka uzayo? Cinga: utyando olukhulu, ukujongana nemarathon, ukukhulelwa, ukufikelela kumhla wokuzalwa obalulekileyo, njl.
• Ndifuna okanye ndifuna ukubona umboneleli ongaphandle kwenethiwekhi?

Ukongeza kule mibuzo yezempilo, uPlymell uthi kufuneka ubuze le mibuzo ilandelayo yezemali:

• Zithini iimfuno zam zemali?
• Ngaba ndingayifumana imali yokutsalwa ephezulu endaweni yokuhlawula ipremiyamu esezantsi?
• Ngaba ndikhetha ukuqikelela iindleko zeenkonzo zezempilo okanye ndingathanda ukuba neepremiyamu ezisezantsi zenyanga?

Qaphela: Ukuba ufumana i-inshurensi yezempilo ngomsebenzi wakho, unokukhetha izinto ezimbalwa malunga nokuba ulufumana luphi uhlobo lweinshurensi. Ngayiphi na imeko, uya kuhlala ugqiba umgaqo-nkqubo onokufikeleleka ngakumbi kunowokuthengwa ngokukodwa.

I-HMO ingangcono ukuba…

Abo bancinci, besempilweni entle, kwaye kungenakulindeleka ukuba bafune ukhathalelo lonyango kulo nyaka uzayo bahlala bekhetha izicwangciso ze-HMO ngepremiyamu ephantsi (isixa osibhatalayo inyanga nenyanga) kunye nokutsalwa okuphezulu (isixa ekufuneka uhlawule phambi kokuba i-inshurensi incede zonke). Oku konga imali ngaphandle kokuba unokwenzakala okanye ukugula, okulungile kwiintlobo ezinobungozi obuncinci, kodwa ayisiyonto ilungele wonke umntu.

I-EPO ingangcono xa…

Kulabo abanemicimbi yezempilo engapheliyo kwaye bayazi ukuba baya kudinga ukubona iingcali, isicwangciso se-EPO sinokwenza ezona ngqondo zibalaseleyo kwezemali. Iyasusa isidingo sokuthatha izigqibo zokhathalelo lwempilo ngokusebenzisa ugqirha wokhathalelo oluphambili kwaye ihlala ineenethiwekhi kunye nooovimba abangaphezulu kwe-HMO.

I-PPO ingangcono ukuba…

Ukuba uhamba kakhulu, ngakumbi ukuba unemicimbi yezonyango engapheliyo, uya kufuna ukujonga isicwangciso se-PPO. Ii-PPO zinenethiwekhi ebanzi yesizwe yababoneleli ngezempilo kwaye zigubungela iindleko ezithile xa ukhetha umboneleli ongaphandle kwenethiwekhi.

Ezinxulumene: HMO vs. PPO

Sesiphi esona sicwangciso sempilo sitshiphu?

Esona sicwangciso sezempilo sitshiphu, qho ngenyanga, siya kuba sesona sineyona mali iphantsi. Kodwa oko kuhlala kuthetha ukuncitshiswa okuphezulu, ke esi sicwangciso sinokubiza ngokukhawuleza kakhulu ukuba uyagula okanye wenzakele. Yiyo loo nto ixabiso eliphantsi ligama elingalunganga ekufuneka lisetyenzisiwe xa kuziwa kwi-inshurensi yezempilo. Endaweni yokujonga kuphela iindleko eziphuma epokothweni, kubalulekile ukuba uqwalasele ixabiso oza kulifumana ngemali yakho.

NgokweKaiser Family Foundation , i-avareji ye-inshurensi yezempilo yomntu wase-US yayiyi- $ 7,188 ngonyaka. Kwiintsapho, umndilili uqikelelwa kwi- $ 20,576.Iindleko zeinshurensi yezempilo zinokwahluka ngokuxhomekeke kwindawo ohlala kuyo, kodwa ukuba umncinci kwaye usempilweni, kunjalo UCanzibe kunokwenzeka ukuba ufumane iipremiyamu zenyanga ezingaphantsi kwe- $ 100. Nangona kunjalo, oku ngekhe kube yimigaqo-nkqubo emikhulu. Unokuba kwi-hook yokutsalwa okunokubakho xa ugula okanye wenzakele. Ngokwesiqhelo, nangona kunjalo, iipremiyamu zeinshurensi yezempilo ziya kuba phezulu kakhulu.

Olunye uqikelelo kukukhuphela. Eminye imigaqo-nkqubo, ngakumbi ii-HMOs, ingaqala ukuhlawula isahlulo seendleko zezinto ezinje ngotyelelo logqirha ngaphambi kokuba uhlangane nokuncitshiswa. Abanye ngekhe, ngakumbi ii-PPOs. Oku kuthetha ukuba iindleko zokubona ugqirha zingabakho naphi na ukusuka kwi-10 ukuya kwi-200 yeedola nangaphezulu, kuxhomekeke kugqirha nakwinkqubo yakho.

Enye indlela yokugcina imali kukukhetha umgaqo-nkqubo obonisa isiqinisekiso semali. Ezi ntlobo zemigaqo-nkqubo zinokuba neepremiyamu ezisezantsi. Nangona kunjalo, kuya kufuneka uhlawule isahlulo seendleko zakho zonyango nasemva kokuba udibene nokutsalwa kwakho. Inkampani yeinshurensi iyakuhlawula ipesenti (phakathi kwe-75% kunye ne-90%) -kwaye kuya kufuneka uhlawule yonke enye into. Umthetho woKhathalelo ongenakufikeleleka umisela isixa onokuthi usichithe epokothweni kunyaka onikezelweyo ngale migaqo-nkqubo. Kwi-2020, i ukuphuma epokothweni ubuninzi Izicwangciso zeMarike zii- $ 8,150 zabantu kunye ne- $ 16,30 yeentsapho. Unokuba ulungele Inkxaso-mali ye-ACA oko kuyakunciphisa iindleko zeinshurensi yezempilo kuxhomekeke kumvuzo wakho.

Nokuba uthini na umgaqo-nkqubo owukhethayo, ungasoloko ugcina kwimigqaliselo yakho ngekhadi lesaphulelo sokuyalela.