Yintoni etsalwayo?
Inkampani yezeMpilo ichaziweNgamanye amaxesha ukhathalelo lwempilo lunokubonakala ngathi lulwimi olwahlukileyo ngokupheleleyo. Ngamazwi afana ikopi , kutsalwa , kunye ukuphuma epokothweni ubuninzi Ukuphoswa ecaleni, ucinga ukuba uyazi ukuba yintoni? Kulapho ke uthotho lwethu oluchaziweyo lwezeMpilo luza kungena. Sophula imiqathango yokugubungela i-inshurensi ukuze uqonde-kwaye ngokuqonda, kuza ukonga okungcono.
Masiqale ngegama elisetyenziswa rhoqo kutsalwa . Yintoni etsalwayo? Ukubeka ngokulula, isixa esitsalwayo sisixa semali ekufuneka uyihlawule epokothweni ngeenkonzo zokhathalelo lwempilo-ezibandakanya ukuhlolwa, utyando, kunye nonyango lwamayeza- ngaphambi kokuba inkampani yakho yeinshurensi yezempilo ihlawule naziphi na iindleko zonyango.
Ixesha elincitshisiweyo alisetyenziswanga kuphela kwi-inshurensi yezempilo, kodwa nakwi-inshurensi yemoto okanye kwizicwangciso zeinshurensi yasekhaya. Isixa esitsalwayo siyahluka ngokuxhomekeka ekubeni yeyiphi na umgaqo-nkqubo weinshurensi oyikhethayo kwaye useta ngokutsha ngonyaka kuJanuwari. Abanye abantu, isixa esitsalwayo sisetwa ngurhulumente okanye ngurhulumente, njengoko kunjalo ngeMedicare.
Ukutsalwa kwakho yenye yeendleko ezininzi ezinxulunyaniswa nokuba ne-inshurensi yezempilo, ukongeza kwii-copays okanye i-coinsurance, kunye nepremiyamu yakho yenyanga, yiyo le nto inkampani yakho yeinshurensi ikuhlawulisa ukuba uthathe inxaxheba kwisicwangciso. Ukuba ukwisicwangciso esibonelelwe ngumqeshi, ipremiyamu yakho yenyanga inokukhutshwa kumrholo wakho. Ukuba ungumntu oneMedicare, ipremiyamu yakho ingagcinwa ngokuzenzekelayo ukusuka kwitshekhi yakho yoKhuseleko loLuntu yenyanga.
Yintoni inqaku le-inshurensi ethatyathiweyo?
Ukuxhuzulwa kunceda ukugcina iindleko zokuba ne-inshurensi yezempilo ifikeleleke ngakumbi ngokuba nabanini-migaqo-nkqubo bahlawule iinkqubo zesiqhelo kunye namabango amancinci einshurensi aphuma epokothweni ekuqaleni konyaka, ngelixa iinkampani zeinshurensi zihlawulela iinkqubo ezinkulu, ezibiza kakhulu emva kokuba kutsaliwe. Xa ukutsalwa kwakho kuphezulu, uya kuhlala uhlawula imali encinci yenyanga. Ngenxa yokuba inkampani yeinshurensi ekuqaleni ihlawula imali encinci kumabango akho ngentlawulo ephezulu, inokukwazi ukuhlawulisa ipremiyamu yenyanga nenyanga. Isixa sesicwangciso ngasinye sokutsalwa sisetwe yinkampani yeinshurensi, okanye urhulumente, kuxhomekeke kuhlobo luni lweinshurensi yezempilo onayo.
Zisebenza njani izinxibo?
Ukuqonda indlela esebenza ngayo inokubakho inkohliso. Masithi isicwangciso sakho seinshurensi yezempilo sibandakanya ukuncitshiswa kwe- $ 1,000. Oko kuthetha ukuba kuya kufuneka uhlawule i-1, 000 yeendleko zonyango lwakho (kuwo nawuphi na unyaka onikiweyo) ngaphambi kokuba inkampani yakho yeinshurensi iqale ukuhlawula ezinye iindleko zonyango lwakho. Iikopi (ii-copays) azifakwanga ngokuthe ngqo kwi-deductible yakho; iyahluka ngesicwangciso ukuba intlawulo yokundwendwela ugqirha kunye nokubala amayeza amayeza ukubala ngokutsalwa kwakho okanye hayi.
Ke, emva kokuba ungenile kwaye uhlawule loo $ 1,000, inkampani yakho yeinshurensi iyakunceda ekuhlawuleni naziphi na ezinye iindleko. Ezi ndleko zinokuba ngumsebenzi weelebhu, iinkqubo zeofisi, okanye utyando. Ngamanye amaxesha abantu nabo banoxanduva Uqinisekiso , eyipesenti ehlawulwa ngumthengi yeendleko zokhathalelo lwempilo zihlala zenziwe emva kokuba kudityanisiwe.
Xa ukugqirha, unokuva eli binzana lincitshisiwe. Oku kuthetha ukuba iindleko eziqikelelweyo zikagqirha aziqwalaseli nokuba ubethe imali yakho etsalwayo yonyaka okanye hayi. Ezinye iinkonzo zinokungabikho phantsi kokutsalwa kwaye ziya kugqitywa nge-100% ngumboneleli wakho weinshurensi nangaphambi kokuba ubethe imali yakho. Ezi nkonzo zihlala zibandakanya ukhathalelo lokuthintela, njengemizimba yonyaka okanye ukugonywa kwesiqhelo. Abanye banokufuna ukuba ubhatale ngaphezulu epokothweni ukuba awubethanga kutsalwa kwakho kunyaka wekhalenda.
Ithetha ntoni into etsalelwayo kuwe?
Xa ubhalisela i-inshurensi yezempilo, thatha umzuzwana ucinge malunga nokutsalwa okukhethiweyo. Izicwangciso zempilo ezinokutsalwa kakhulu zihlala ziza neepremiyamu ezisezantsi zenyanga kunye nezinciphiso ezisezantsi zihlala ziza nepremiyamu eziphezulu.
Ukuba ufumanisa ukuba undwendwela ugqirha kakhulu ngonyaka, cinga isinciphiso esisezantsi, isicwangciso seprimiyamu esiphakamileyo njengoko uyakubetha kutsalwa kancinci kungekudala kwaye icebo lakho liya kuhlawula ngaphezulu iindleko zakho. Ukuba unqabile ukuba uhlangane nayo nayiphi na imiba yezempilo okanye awuzange uhlangabezane nokutsalwa kwakho kunyaka ongaphambili, cinga ngesicwangciso esiphakamileyo esitsalwayo, isicwangciso seprimiyamu esezantsi ukuze ufumane elona xabiso liphezulu lemali yakho.
Ukuqwalaselwa kwepremiyamu kunye nezixa ezinokutsalwa ziphakathi kwezinto ezininzi omele ucinge ngazo xa ukhetha isicwangciso. Kuya kufuneka ukuba uthathele ingqalelo ukuba oogqirha bakho bathatha inxaxheba na kwinethiwekhi yesicwangciso, nokuba ngaba iinkonzo zonyango ozifunayo ziyagutyungelwa na, phakathi kwezinye izinto ezixhalabisayo.
Ezinxulumene: Iinkonzo zempilo ezi-5 ekufuneka uzenzile emva kokuba udibene nokutsalwa kwakho
Uyigcina njani imali kwi-inshurensi yezempilo
Izicwangciso zonyango ezonga iindleko ziyafumaneka, kodwa ziyahluka ngurhulumente kunye nengeniso. Abanye abantu banelungelo lokufumana izibonelelo zoluntu ezinokuthi zinciphise okanye ziphelise ukuncitshiswa. Kubantu abangakulungelanga ukufumana ezi nkxaso-mali, izicwangciso zeinshurensi ezibonelelwa ngumqeshi zibonelela ngeyona ndleko ingcono, kuba wahlulahlula iindleko nomqeshi wakho. Ngolwazi oluthe kratya malunga neyona inshurensi yezempilo enokukhetha kubantu abaziqeshileyo, yabona Apha .
Enye indlela yokonga kukubhala phantsi iindleko zonyango kwiirhafu zakho. Ukusukela ngo-2019, kukho Ukuncitshiswa kweendleko zonyango . Ukuba unyusa inani ledola lazo zonke iindleko zonyango kwaye zilingana ngaphezu kwe-7.5% yengeniso yakho yonyaka, unokukwazi ukuyihlawula kwiirhafu zakho. Izinto kuphela ezinokutsalwa ziindleko ezingaphandle kweepokotho ezingakhange zihlawulwe yinshurensi yakho yezempilo.
Nokuba ungakanani inani lokutsalwa, Ukhathalelo unikezela ngokugcina amayeza kagqirha. Khangela ngokulula amayeza akho kwaye uthelekise ixabiso lethu nokuba lixabiso lemali okanye ikopi yakho yeinshurensi. Qalisa ukugcina namhlanje!
