Yintoni 'icopay'?

Inkampani

Ukhathalelo lwempilo sisifundo esintsonkothileyo esinamagama anokubonakala ngathi athetha ulwimi olwahluke ngokupheleleyo ngamanye amaxesha. Elinye lala magama ngu ukukhuphela , okanye yaziwa ngcono njenge ikopi . I-copay sisixa esimiselweyo esihlawulelwa imigqaliselo okanye iinkonzo zonyango xa undwendwela ugqirha. Kodwa njengezona zinto zininzi zinxulumene neinshurensi yezempilo, ngaba ilula ngenene?

Yintoni icopay?

Uninzi lwezicwangciso zeinshurensi, ngalo lonke ixesha ubona ugqirha emva kokudibana nokutsalwa kwakho uhlawula isixa esimiselweyo esibizwa ngokuba yicopay. I-copay isebenza njenge-flat-fee u-general practitioner okanye ingcali ekuhlawulisayo ngokusebenzisa iinkonzo zabo. Isixa esithile sinqunywe sisicwangciso sakho seinshurensi yezempilo, ke qiniseka ukuba ufunda ukuprinta okuhle. Izicwangciso ezisezantsi iipremiyamu zarhoqo ngenyanga unokuba neepopayi eziphezulu.

Kubalulekile ukuba uqaphele ukuba ii-copays zezentengiso, umqeshi, kunye ne-inshurensi yentengiso. I-Medicare kunye neMedicaid iya kuba nemithetho eyahlukeneyo kunye neengcebiso kunolu lwazi lulandelayo.

Iikopi zihlobo lokwabelana ngeendleko kunye nenkampani yeinshurensi yezempilo. Kwakhona zenzelwe ukunceda ukuthintela abathengi ekufumaneni unyango olungafunekiyo. Iikopi zinokuba nobudlelwane obunzima kunye namanye amalungu eendleko zeinshurensi yezempilo.

Ngaphambi kokuba ufikelele kwifayile yakho ye- yonyakakutsalwa -Esisixa semali ekufuneka usihlawule phambi kokuba inkampani yakho yeinshurensi ikuncede ekuhlawuleni iindleko zakho zonyango-uyakuyinyathela yonke ibhili ngenkqubo egqunyiweyo okanye amayeza. Nje ukuba ufikelele kwitsali yakho, yakho Uqinisekiso ukukhaba, oko kuthetha ukuba isicwangciso sakho siza kuqala ukubanoxanduva lwepesenti ebekiweyo yeendleko zonyango. Kulapho iindleko zakho zonyango ziye zikhohlise, ngakumbi kuba ikopi yakho ayibali ukubhatalwa, kodwa kunokuba uye kunyaka wakho ukuphuma epokothweni ubuninzi .

Ngoku, nanku umzekelo wokunceda ukucacisa izinto: Utyibilikile unyawo lwakho udlala ibhola ekhatywayo kwaye ucinga, Mfana, ndinethamsanqa kutshanje ndidibene ne-deductible yam, kwaye i-inshurensi iyakugubungela olu hambo kukhathalelo olungxamisekileyo. Kodwa into ongayiqondiyo unoxanduva lwe-copay yakho kunye ne-coinsurance. Ngaphambi kokuba uphume kwi-ofisi kagqirha, umamkeli zindwendwe ucela ukuba uhlawule i-copay yakho engama-20 ngaphambili. Kwiiveki ezimbini kamva, ufumana ibhilikhithi yeedola ezingama-80 ezongezelelekileyo- le yimali yakho eqinisekisiweyo, ekulo mzekelo ingama-20% kuyo nayiphi na imali oyirholileyo (kwaye kwimeko yakho ibiyi- $ 400 yebhili). Ke, kule nyawo lityumkileyo, ugqibile ukuhlawula i $ 100. Izicwangciso zihlala zixoxisana ngamaxabiso, ke baya kuhlawula umboneleli wakho ngepesenti yenqanaba lokuxoxisana ngaphambi kokuba kulindeleke ukuba uhlawule isixa sakho semali esiqinisekileyo.

Abantu bathambekele ekucingeni ukuba bakuba befikile ekutsalweni kwabo, bayakuba simahla kwiimali zonyango. Nangona kunjalo, i-inshurensi iya kugubungela kuphela zonke iindleko zonyango xa uthe wadibana nokuphuma kwakho epokothweni, okufikelelwa ngokudityaniswa kokuhlawula imali yakho etsalelweyo, i-coinsurance kunye neepopay

Ezinxulumene: Nguwuphi umahluko phakathi kwepopay vs.

Yintoni efihlakeleyo?

I-copay ihlala inceda ukuhlawula iindleko kwiindawo ezahlukeneyo zokutyelela iofisi. Nangona kunjalo, iinkonzo zonyango ezifuna ukuba ii-copays ziyahluka phakathi kwezicwangciso ze-inshurensi. Iinkonzo ezifuna ikopay kubandakanya:

• Unonophelo lokuqala kunye notyelelo lobugqirha
• Unyango lomzimba, lomsebenzi, nolwentetho
• Amachiza amiselweyo
• Iinkonzo zempilo yengqondo: okt ukubuyisela kwimeko yesiqhelo iziyobisi, unyango lwengqondo
• Kungxamisekile oko
• Utyelelo kwigumbi likaxakeka
• Ukukhwela inqwelo yezigulana

Amaxabiso eCopay ahluka kakhulu phakathi kweenkonzo kwaye angaphakama kutyelelo lweengcali kunokundwendwela kugqirha ophambili. Ababoneleli abangaphandle kwenethiwekhi baya kuhlala bekopa phezulu. Ukuba ikopi yakho yeendleko eziphezulu ebhodini, oku kunokuba ngenxa yokuba unesicwangciso seinshurensi yezempilo yeprimiyamu esezantsi.

Kubalulekile ukuba uqaphele ukuba ngenxa ye Umthetho woKhathalelo ongenakufikeleleka , ezinye iinkonzo zokhathalelo ezinje ngokuhlola, ukuhlolwa komhlaza, okanye ukutyelelwa kwabasetyhini abafanelekileyo akufuneki babelane ngeendleko zabathengi.

Ndiyazi njani ukuba ndiza kuba nepopay?

Uninzi lweenkampani ze-inshurensi okanye ababoneleli ngezempilo bafuna ukuba ii-copay zihlawulwe ngexesha lenkonzo. Rhoqo, isixa secopay siprintwa ngqo kwikhadi lakho leinshurensi yezempilo. Isenokuba neemali ezidweliswe kwiinkonzo ezahlukeneyo njengotyelelo lokhathalelo lokuqala kunye neenkonzo zokhathalelo lweengcali. Jonga isicwangciso sakho seinshurensi ukufumana uluhlu oluneenkcukacha zazo zonke iinkonzo ezigutyungelweyo ezifuna ikopi kunye neendleko zento nganye.

Ezinye izicwangciso zeinshurensi azinayo ikopi. Kule meko, kusenokwenzeka ukuba sisicwangciso esinexabiso eliphezulu, ke ngelixa kungekho kopayay ngeenkonzo, usachitha imali eyongezelelweyo kwiipremiyamu zesicwangciso.

Uyithoba njani ikopi yakho

Iindleko eziphuma epokothweni akusoloko kufuneka zibethe iakhawunti yakho yebhanki. Ukuba wenza igalelo kwiakhawunti yokonga impilo (HSA), i-akhawunti yokonga eguqukayo, okanye iakhawunti yokubuyiselwa kwemali (HRA), ungazisebenzisa Iirhafu zangaphambi kwerhafu ukufihla ikopi yakho. Emva kwayo yonke le nto, le yimali osele uzibekele bucala ngezibonelelo zezempilo. Nangona kunjalo, ekuphela kwendlela yokuhlisa ikopay yakho iya kuba kukutshintsha izicwangciso zeinshurensi, ezingasoloko zikhethwa.

Nangona kunjalo, I-SingleCare ilapha ukunceda . Ngamanye amaxesha iikopi zokumiselwa zinokuphakama kunenqanaba lesaphulelo onokuthi ulifumane ngekhadi elilodwa. Khangela amayeza akho kwi-singlecare.com ukuze ubone elona xabiso lakho lihle.