Uma ufinyelela umshwalense wakho wezempilo ngaphandle kwe-pocket esiphezulu minyaka yonke, ungase ube namathuba okusindisa imali. Izindleko zezezimali zingavunyelwa uma:
- Ingabe kukhona imithi ebiza kakhulu
- Kudinga ukuhlukunyezwa okuvamile
- Kudinga ukwelapha okubiza okuphindaphindiwe
Kodwa, izindleko zakho zokunakekelwa kwezempilo ziyisihluthulelo kwamathuba okugcina amabili .
- Ungakwazi ukusindisa ngezindleko zakho ezingaphandle kwe- copays , u-coinsurance, nama- deductibles .
- Ungakwazi ukusindisa kuma- premium yomshuwalense wezempilo.
Lezi zindlela zokulondoloza zisebenza kuphela kubantu abalindele ukufinyelela ku-out-of-pocket yabo esiphezulu ngonyaka ngamunye.
Khetha uhlelo olunomkhawulo ophansi ongaphandle kwePokhethi
Izinkampani zomshuwalense wezempilo zikhokha amaphesenti angu-100 ezindleko zakho ezihlanganisiwe zonyaka wonke ngemuva kokuhlangana nomnyaka wakho ongaphandle kwepokhethi. Into eqhubekayo ukukhokha yi- premium yomshuwalense wezempilo wenyanga, kanye namacala akho noma yiziphi izinkonzo ezingagciniwe yicebo lakho (izinto ezifana nokunakekelwa kwamazinyo omdala, isibonelo, noma ukuhlinzwa okukhethiwe).
Ngakho-ke, uma ukhetha uhlelo lwezempilo ngezinga elingaphansi kwe-pocket elingaphezu kwalokhu okwamanje ukhokha, ungagcina imali, kuye ngokuthi umehluko kuma-premium. Ezimweni eziningi, uzothola ukuthi umkhawulo ophansi ongaphandle kwe-pocket ukwedlula ama-premium aphezulu.
Indlela Yokuthola Isulelo Ngezilinganiso Eziphansi Ezingekho Ephaketheni
Bheka uhlelo olune-deductible ephezulu kanye ne-coinsurance , kodwa umkhawulo ophansi ongaphandle we-pocket.
Njengoba abantu abaningi bengalokothi bafinyelele ekuphumeni kwe-pocket, i-deductible ne-coinsurance ephansi kakhulu inkampani kufanele ikhokhele ngezinsizakalo zezempilo ngamalungu ayo ajwayelekile. Lokhu kuvumela ukuba bakhokhe intela ephansi.
Njengoba wazi ukuthi uzokhokha imali ephelele ye-pocket ngonyaka, i-deductible ephezulu ne-coinsurance ayikhulise izindleko zakho zonyaka.
Eqinisweni, njengoba usukhetha uhlelo olunezinga eliphansi elingaphandle kwe-pocket eliphakeme, izindleko zakho zonyaka zizobe ziphansi kunalokho ebezingaba khona ohlelweni oluphezulu kakhulu ngaphandle kwe-pocket.
Ngamanye amazwi, inombolo ebaluleke kunazo zonke yilapho ukukhishwa okukhulu kwe-pocket, ngoba wazi ukuthi uzofinyelela lowo mkhawulo ngendlela eyodwa noma enye. Ngeke kube nandaba ukuthi uthola lapho nge deductible yedwa noma deductible plus coinsurance kanye nama-copays, ngakho-ke uhlelo lokuklama ngaphandle komkhawulo ongaphandle kwe-pocket alubalulekile uma ubhekene nezindleko ezinkulu zezicelo phakathi nonyaka.
Kodwa-ke, i-deductible ephezulu ne-coinsurance inomthelela uma ukhokha izindleko zakho ezingaphandle kwezezimali, ukushintsha lokho ekuqaleni kokuhlelwa konyaka. Uzofinyelela ekuphumeni kwepokhethi ngaphezulu konyaka ngoba wehlisa ngakho kulula ukuwafinyelela, futhi ngenxa yokuthi imali yakho yokubambisana neyezimali iphakeme kakhulu okuholela ekukhokheni ekuqaleni konyaka.
Khetha iPulani Eyi-Out-of-Pocket Ephezulu kodwa i-Premium Ephansi
Enye indlela yokusindisa ukuthenga uhlelo lomshuwalense wezempilo nomkhawulo ongaphandle we-pocket njengohlelo lwakho lwamanje, kodwa i-premium yenyanga ephansi. Ngenkathi usazoba nezindleko zokunakekelwa kwempilo ezifanayo zonyaka zonke, uzogcina imali ngenyanga ngayinye ngezindleko ze-premium.
Ngaphinda futhi, bheka amapulani nge-deductible ephezulu ne-coinsurance kunecebo lakho lamanje. Nakuba uzodinga ukuba nemali etholakalayo ezinyangeni ezimbalwa zokuqala zonyaka ukuze uhlangabezane nezindleko zakho ezintsha, uzoba negumbi lokugqoka esabelweni sakho sesabelomali ngoba uzobe ukhokha kancane ezinyangeni zenyanga zenyanga.
Umthengi Qaphela
Uma unesimo sezokwelapha esidinga ukukhathazeka okuqhubekayo okubalulekile, kubalulekile ukulalela imininingwane ethize - ngaphandle kwe-premium kanye nokwabelana ngezindleko - wezinhlelo ozicabangayo. Uzofuna ukuqinisekisa ukuthi uhlelo olusha lunomnethiwekhi wenethiwekhi ofaka odokotela bakho, noma ukuthi uzobe ulungile ngokushintshela kudokotela abasebenza kwinethiwekhi.
Futhi khumbula ukuthi uhlelo ngalunye luhlanganisa izidakamizwa ezahlukene zemithi. Uhlu lwamachiza oluhlanganisiwe lwepulani lubizwa ngokuthi i- formulary , futhi amafomula ahlukahluka kusuka kwesinye isu kwesinye. Uma ungena ngokungahambi ohlelweni olungafaki imithi yakho kwifomula yayo, kuzodingeka ushintshe izidakamizwa noma ukwelashwa noma ukhokhe lonke izindleko ngaphandle kwe-pocket. Ngenxa yokuthi izindleko zakho zokunakekelwa kwezempilo ziphakeme kakhulu, kubalulekile ukuthi uphenye ngokucophelela ukuhlinzeka ngenzuzo entsha yezempilo ngaphambi kokushintsha.
I-Care Affordable Act iyasiza ngezindleko
Umthetho Wokunakekelwa Okunenzuzo futhi wakha umxhaso womshuwalense wezempilo ukusiza ukunciphisa ukuphuma kwepokhethi kubantu abafanelekile abanemiholo encane (kuze kube ngamaphesenti angu-250 ebunini bobuphofu). Kufanele ufunde ukuthi isibonelelo sinciphisa kanjani ukuphuma kwakho kwepokhethi .
Ngaphambi kokuthi Ushintshe Amasu
- Qinisekisa ukuthi uzoba nemali eyanele etholakalayo ekuqaleni konyaka we-plan ukukhokha izindleko zokuqala eziphezulu njengokwenyuka nokuqinisekiswa kwemali ngaphambi kokuba uhlangabezane nomkhawulo omusha ongaphandle kwesikhwama bese uqala ukuvuna imali. Cabanga nge- Akhawunti ye- Flexible Spending Account uma ngabe umqashi wakho enikezela eyodwa, noma iAkhawunti Yokulondoloza Impilo uma ubhalisa ohlelweni lwezempilo olufanelekayo lwe-HSA.
- Uma ukunamathela nodokotela wakho wamanje kubalulekile kuwe, qiniseka ukuthi useku-inethiwekhi necebo lempilo ocabanga ngalo.