Qinisekisa ukuthi lezo zinkokhelo ezingezansi ngeke zibe zibiza kakhulu esikhathini eside
Njalo ngonyaka kubonakala sengathi sibhekene nezindleko ezikhulayo zomshuwalense wezempilo . Ngakho uma kuziwa ekukhetheni uhlelo lomshuwalense wezempilo oluhle , kuyamangalisa kakhulu ukukhetha uhlelo olune-premium yenyanga encane kakhulu.
Kodwa-ke, lezo zinhlelo ezinamaprimiyamu amancane nyanga zonke ziyizinhlelo ezinezindleko eziphezulu kakhulu, futhi. Kuye ngempilo yomndeni wakho, bangase bakhethwe ngokuhlakanipha, noma bangase babe yingozi yezempilo kanye / noma yezimali kuwe.
Igama elithi "inhlekelele" kufanele lisho ukuthi uma ugula kakhulu noma ulimaze kabi - isenzakalo esiyingozi - khona-ke uzothola okungenani ubuncane bomshuwalense wezempilo ukukusiza ukhokhe imali eningi kakhulu umcimbi onjalo kubiza. Amasu omshuwalense wezempilo omningi "kanye" nezinhlekelele "ngamagama amabili ohlelweni olufanayo.
Nansi ulwazi oluthile lwangemuva ukuthi lezi zinhlelo zomshuwalense ezidakayo noma eziphezulu zisebenza kanjani nokuthi unganquma kanjani ukuthi zilungile noma ukukhetha okungalungile kuwe.
Indlela Abasebenza ngayo
Indlela engcono kakhulu yokubona ukuthi uhlelo oluphezulu lokushuwalulwa kwempilo yomshuwalense wezempilo luyisinqumo esifanele ukuqonda ukuthi basebenza kanjani.
Ake siqale ngezinye izincazelo:
- I- premium yikhokhwa yakho yenyanga yomshuwalense wakho.
- I- deductible yimalini oyokhokha ukwelashwa kwakho ngaphambi kokuba inkampani yomshuwalense ikhokhe noma yini.
- Kunezinhlobo ezimbili zama- copays . Owokuqala ufana nemali "yokungena emnyango" - ngokuvamile i-$ 12 noma i-$ 25 noma inani elithile eliqokwe ngokuyinhloko elikwenza ukuthi ucabange kabili mayelana nokwenza leyo aphoyintimenti noma ukuthenga lowo muthi. Kusho ukuthi uyaqaphela ukuthi ukunakekelwa kwezempilo kwakho akuyona mahhala - leyo copay yokuqala ukukhakha-iqala yonke inqubo yokukhokha.
Uhlobo lwesibili i-copay yephesenti, njenge-80/20, futhi ebizwa ngokuthi " ukuqinisekiswa kwezimali ," okusho ukuthi uma usuqedile umkhawulo wakho wokukhipha imali , uzokhokha u-20% wezinye izikweletu futhi umshwalense wakho uyokhokha u-80%.
Inkampani yakho yomshuwalense wezempilo ufuna ukuqoqa imali eningi ngangokunokwenzeka kuwe futhi ukhokhe imali encane ngangokunokwenzeka egameni lakho. Bashishini ukwenza inzuzo, ngakho-ke ifomula yabo ithatha, thatha, thatha-kodwa ungakhokhi kakhulu.
Inkinga ukuthi, uma ungakwazi ukukhokhela ama-premium (izinkokhelo ozenzayo ngenyanga ngayinye) khona-ke ngeke uthenge umshuwalense wabo nhlobo.
Ngakho-ke bekungcono ukukunikeze inketho ezokukhokhela ama-premiums amancane inyanga ngayinye futhi ifune ukuthi ukhokhe okuningi ephaketheni lakho uma udinga usizo lwezokwelapha. Lokho kusho ukuthi ngeke kudingeke bakhokhele omunye umuntu egameni lakho kuze kube yilapho kutholakala umbandela othize, ophakeme kakhulu.
Ngakho izinkampani zomshuwalense zihlela izinhlelo ezihlukahlukene ezidinga ukuba uhlole "ingozi" yakho - amathuba okugula noma ukulimala, amathuba okudinga ukuthi ungene kumshwalense wakho, amathuba okudinga ukukhokha kakhulu izinkinga zezokwelapha.
Uhlelo olujwayelekile, olunezikhwama eziphezulu kodwa okuncishisiwe okuphansi, kusho ukuthi uzokhokha inkampani yomshuwalense futhi bazokhokha ngaphezulu. Unqume ukuthi ingozi yakho yokugula noma yokulimala iphezulu ngokwanele ukuthi kufanelekile ukukhokha inyanga ngayinye.
Uhlelo oluphezulu lokudonswa, uhlelo oluyingozi kakhulu oludonswe kakhulu kanye ne-premium ephansi lisho ukuthi uzokhokha imali eningi ekuqaleni ngaphambi kokuba inkampani yomshuwalense iqale ukukhokhela wena nhlobo. Unqume ukuthi ingozi yakho yokugula noma yokulimala iphansi futhi ungagcina imali ethile ngokungakhokhi imali eningi yomshuwalense.
Izibonelo
Uhlelo lomshwalense olujwayelekile lungacela ukuthi ukhokhe imali eyizinkulungwane ezingu-1 ngenyanga enkampanini yomshuwalense, kanti imali yakho ekhishwe ngu-$ 500.
Uma usuvele ukhokhele leyo deductible, uma uhamba nodokotela bese ebhala umshwalense, bazokutshela ukuthi, "Isiguli esifanele - ukhokhela i-copay eyi-$ 25 ukuze udokotela wakho avakashele futhi ube ngu-$ 15 ngomshwalense wakho futhi sizokhokha okunye." Ekupheleni kwenyanga, uma ungaboni udokotela okungaphezu kwalokhu, khona-ke kuye kwabiza u-$ 1,040 wezempilo yakho ngenyanga leyo.
Uhlelo oluphezulu lokubambisana nomshuwalense lungase lucele ukuthi ukhokhe imali engu- $ 500 ngenyanga enkampanini yomshuwalense, kodwa imali ekhishwe ngu-$ 2,500. Isimo esifanayo - uya kudokotela futhi ubhala isigqebhezana. Kuphela lesi sikhathi, ukhokhele ukuvakashelwa kwehhovisi ($ 100) kanye nomuthi ($ 15) - kodwa ngenxa yokuthi imali yakho ephakeme kakhulu, awuzange uyisebenzise nokho kulo nyaka, ngakho-ke inkampani yomshuwalense ngeke ikhokhe noma yikuphi okwamanje egameni lakho.
Izindleko zakho eziphelele ngenyanga leyo ($ 500 premium + $ 100 + $ 15 =) $ 615.
Manje, uma nje udinga ukuya kudokotela ngesinye isikhathi ngaleyo nyanga, khona-ke kuvela ukuthi uhlelo lwakho oluphakeme lokudonswa lube yinto engcono kakhulu kuwe ngoba uma ukhokhele uhlelo lokuphila olubiza kakhulu, ngabe ngabe usebenzise imali engu-435 ngaphezulu kunalokho wakhokhela uhlelo lwakho lwezempilo oluyingozi / eliphezulu.
Kodwa-ke, ake sithi indodana yakho iwa phansi i-skateboard yakhe. Unenkinga yokumxosha. Okubi nakakhulu, uphule ingalo yakhe ezindaweni ezintathu, okudinga ukuhlinzwa ukubeka ingalo yakhe bese uyiphonsa ukuze kuphuluke kahle. Izindleko! Lawo ma-copay okuqala azoba okungenani okukhathazayo kwakho. Uzokhokha wonke ama-$ 2,500 kanye neyengeziwe engu-20% - izinkulungwane zamaRandi ezinengi. Ngomgomo womshuwalense wezempilo ovamile, inani lakho lokuphuma ngaphandle lizoba ngaphansi kakhulu.
Indlela yokunquma ukuthi uhlelo oluphezulu lokuDeductible / Inhlekelele luzokusebenzela
Uma wena namalungu omndeni wakho niphilile futhi ningadingi ukuvakashelwa kokudokotela abaningi, ukuhlala esibhedlela noma imithi yemithi ngonyaka, khona-ke uhlelo oluphakeme lokudonsa lungase lusebenze kahle kuwe.
Ngakolunye uhlangothi, uma wena kanye namalungu omndeni wakho ninenselele yezokwelapha, njengokwenyuka okuphezulu ukubamba noma yikuphi igciwane liwela phansi noma liyisifo esingapheli kwanoma yiluphi uhlobo, uhlelo oluhle lokunakekelwa kwempilo lungase lukulahle kakhulu kusuka ephaketheni lakho isikhathi eside.
Uma ucabanga ukuthi uhlelo oluphezulu lokubambisana nomshuwalense wezempilo luzohambisana nezidingo zakho, ungagcina imali eyengeziwe ngokusebenzisa i- akhawunti yokulondoloza impilo (HSA). I-HSA ikuvumela ukuthi ulondoloze imali, ngaphandle kwentela, ukhokhele noma yiluphi uhlobo lwezindleko zezokwelapha. Ngokungafani namanye ama-akhawunti wokulondolozwa kwezimali, imali ayidluli ekupheleni konyaka uma ungayisebenzisi, futhi ingasetshenziswa noma nini ngesikhathi sokuphila kwakho zonke izindleko zezokwelapha. Ngaphezu kwalokho, kuyabonakala, okusho ukuthi ungashintsha imisebenzi noma uthathe umhlalaphansi futhi imali oyigcine izoqhubeka ikhona kuwe.