Nguwuphi umahluko phakathi kwepopay vs.

Inkampani yezeMpilo ichaziwe

Ngamanye amaxesha ukhathalelo lwempilo lunokubonakala ngathi lulwimi olwahlukileyo ngokupheleleyo. Ngamazwi afana ikopi , kutsalwa , kunye ukuphuma epokothweni ubuninzi Ukuphoswa ecaleni, ucinga ukuba uyazi ukuba yintoni? Kulapho uluhlu lwethu lwezeMpilo oluChaziweyo lungena khona. Siphula amagama ukuze uqonde-kwaye ngokuqonda, kuza ukonga okungcono.

Ngaba ukhetha isicwangciso sezempilo? Ukongeza kwiindleko zenyanga, okanye ipremiyamu, kubalulekile ukuba uqonde ukuba yeyiphi enye into oza kuba noxanduva kuyo ngezemali. I-copay kunye noncedo oluchithwayo luchonga ukuba uza kuhlawula malini epokothweni; ezi ndleko zinokuba nefuthe elikhulu kwindlela enokwenzeka ngayo imali isicwangciso esithile kuhlahlo-lwabiwo mali lwakho. Awazi umahluko phakathi kwe-copay vs deductible okwangoku? Sikufumene ukogquma.

Yintoni icopay?

Iikopi kunye nezinto ezitsalwayo zizo zombini iindidi zokwabelana ngeendleko-uya kuhlawula isahlulo seendleko zakho zononophelo lwempilo, kwaye inkampani yakho yeinshurensi iya kugubungela umsantsa ophakathi kwezinto ozihlawulisiweyo kunye nezinto ozihlawuleyo.

UKUYA ikopi yisahlulo sakho semali yomzekelo othile wokhathalelo, nokuba lutyelelo lukagqirha okanye amayeza. Idla ngesixa esilawulekayo kwaye inokude ipelwe ngasemva kwikhadi lakho leinshurensi, njenge- $ 20 yotyelelo lukagqirha okanye i- $ 10 yokuphinda uzalise ngugqirha. Ngokuqhelekileyo, ukuphakama kwepremiyamu yenyanga, okanye isixa ohlawula isicwangciso sakho, isezantsi ikopi. Ukunakekelwa kokukhusela, njenge-mammogram okanye umzimba wonyaka, awuyi kuba ne-copay nonke. IiCopays zihlala zahlukile kukhathalelo lokuqala nonyango olukhethekileyo kwinethiwekhi ye-inshurensi yakho, kunye negama lophawu ngokuchasene neziyobisi eziqhelekileyo.

Yintoni etsalwayo?

Ukutsalwa , kwelinye icala, yile nto unoxanduva lokuhlawula ipokotho ngaphambi kokuba inkampani yakho yeinshurensi iqale.

Nje ukuba kudutyulwe unyaka wakho, inkampani yakho yeinshurensi kufanele qalisa ukugubungela inkcitho yakho eninzi, kodwa Iindleko zobuqhophololo ehambelana nokuqinisekiswa kwemali okanye izithuba zokugubungela isenokuphinda ivele (ngakumbi emva koko).

Njengee-copays, eziphakamileyo iipremiyamu zakho zanyanga zonke, isezantsi esitsalwayo isiqhelo, njengoko uhlawula imali eninzi kwinkampani yeinshurensi yakho ngaphambili. Xa ukhetha isicwangciso sokhathalelo lwempilo, kubalulekile ukuba uqaphele ukuba kungalindeleka ukuba ukhuphe malini-ukongeza kwiindleko zakho zenyanga-ngaphambi kokuba i-inshurensi yakho ithathe yonke enye ithebhu.

Uninzi lwabantu alunalo nofifi ukuba zithini na izinto zabo de bafumane imeko engxamisekileyo, utshilo uRachel Trippett, MD, ugqirha wosapho kwisibhedlele i-US Public Health Service Indian Hospital eNew Mexico. Elo ayiloxesha ofuna ukufumanisa ukuba unemali etsalwayo ongenakukwazi ukuyifumana.

Ezinxulumene: Iinkonzo zempilo ezi-5 ekufuneka uzenzile emva kokuba udibene nokutsalwa kwakho

Zisebenza njani iikopi kunye nezinto ezitsalwayo?

Izandi zilula kwithiyori, kodwa isebenza njani ebomini bokwenyani? Masiyiqhekeze.

Nyanga nganye, uhlawula ipremiyamu yenyanga; le yintlawulo yokuba ne-inshurensi yezempilo. Ukuba ufumana i-inshurensi yakho yezempilo kumqeshi wakho, inxenye yepremiyamu yakho inokuvela kwintlawulo yakho.

Ngoku masithi ebudeni bonyaka, ugqibela ngokwaphula iqatha. Unotyelelo kwigumbi likaxakeka, kunye nohambo ezimbalwa ukuya kwiindidi zoogqirha ezahlukeneyo, ukuze ubuyele ezinyaweni zakho.

Kulapho ukuncitshiswa kwakho kubalulekile. Uya kucelwa ukuba ubethe imali yakho yonyaka ekhutshiweyo-isixa osibhatale epokothweni ngazo naziphi na iinkonzo zonyango Akunjalo Ii-copays-ngaphambi kokuba umboneleli wakho we-inshurensi aqale ukuhlawula ipesenti ephezulu yamatyala akho onyango.

Yintoni isiqinisekiso?

Kodwa kwizicwangciso ezininzi zeinshurensi, ukufikelela kwi-deductible yakho akuthethi ukuba ucacile ukuba akufuneki uhlawule nantoni na. Endaweni yoko, unokufumana Uqinisekiso iifizi. Le yipesenti yeendleko zakho zokhathalelo lwempilo olucelwa ukuba ube negalelo, de ube ufikelela kwinqanaba eliphezulu lokuphuma epokothweni le-inshurensi yakho. Yiyo leyo zizonke isixa osibhataleyo unyaka wonke kuzo zonke iindleko zakho zonyango, kubandakanya neepayment (kodwa kungabandakanywa ipremiyamu yakho yenyanga).

Kuphela kuxa ufikelela kubuninzi apho i-inshurensi yakho kufuneka ihlawule i-100% yeendleko zakho zonyango ezigutyungelweyo. Gcina iliso kwikhalenda, nayo; Imigaqo-nkqubo ihlala unyaka wonke, ke uxanduva lwakho olitsalelweyo luya kuseta kumhla wokukhumbula i-inshurensi yonyaka okanye nge-1 kaJanuwari ukuba imali yakho enokurhoxiswa icwangcisa kwakhona unyaka ngamnye wekhalenda.

Ngamafutshane, imali exhuzulwayo yimali ephume epokothweni ekufuneka uyihlawule ngaphambi kokuba i-inshurensi yakho ihlawule nantoni na kwiindleko zakho zempilo. Iikopi zihlukanisiwe, imirhumo emiselweyo edla ngokungabalwa kwi-deductible yakho enokucelwa ukuba uhlawule xa ubona ugqirha okanye ufumana iphepha likagqirha ligcwalisiwe. Emva kokuba udibene nokutsalwa kwakho, uya kuhlawula kancinci ngenkathalo yakho, kodwa usenokuba noxanduva lokufumana imali, de ube ufikelele kubuninzi beepokotho zakho zonyaka.

Coinsurance vs copay vs deductible: Ungayiphepha njani imali eyongezelelweyo

Enye yeendlela ezilungileyo zokuphepha iifizi zeinshurensi ezingalindelekanga kukunamathela koogqirha nasezibhedlele ngaphakathi kwenethiwekhi yesicwangciso sakho. I-inshurensi yakho ithethathethane ngexabiso elisezantsi kwaba baboneleli, zihlala ziguqulela ukuthoba iindleko kunye nokuphuma epokothweni iindleko zakho.

Enye kukusebenzisa Ikhadi lesaphulelo somntu ongatshatanga yemigqaliselo yakho. Khangela nje amayeza akho kwaye ubone ukuba ungagcina malini. Inokukunceda ngokwenene ukuba unecebo ngaphandle kopopayi kagqirha, kodwa ngamanye amaxesha ixabiso lethu linokulibetha ixabiso lepopay!