Uma usemusha kumshuwalense wezempilo, ungase umangale ukuthi usadingeka ukhokhele ukunakekelwa kwempilo. Akuyona yini uhlelo lwakho lwezempilo okufanele ukhokhele izikweletu zakho zezokwelapha manje?
Yebo, yebo futhi cha. Umshuwalense wakho wezempilo kufanele ukhokhe ingxenye yezindleko zokunakekelwa kwezempilo, kodwa uzobe usuqeda ukukhokha amadokhumenti , ama- copayments , kanye ne- coinsurance .
Kungani Usadingeka Ukukhokha Izikweletu Zezokwelashwa Uma Unomshwalense Wezempilo
Abanakekeli bempilo bafuna ukuthi ube nesinye isikhumba emdlalweni ukuze ungatholi ukunakekelwa kwezempilo okubizayo ngokweqile.
Uma kufanele ukhokhe okuthile, ngisho nekhophi encane njalo uma ubona udokotela noma ugcwalisa imithi kadokotela, cishe ungasebenzisa isinqumo esihle ngokuthi ngabe udinga ngempela yini ukubona udokotela noma ugcwalise leyo kadakamizwa. Ngeke ugijimele kudokotela kuyo yonke into encane noma ugcwalise imiyalelo yemithi ongase ungayidingi ngempela.
Ephumelela nakakhulu kunama-copays, ukuqinisekiswa kwezimali okudingeka ukuthi ukhokhe iphesenti yesikweletu esenzelwe ukukugqugquzela ukuthi uqiniseke ukuthi ukunakekelwa kwezempilo okutholakele akudingekile kuphela kodwa futhi kuyona okukhethwa ukwelashwa okwedlulele kunazo zonke okuzosebenza kuwe.
Isibonelo, lapho umngane wami ethola ukuthi imithi ye-acne yokwelashwa eyayimiselwe indodana yakhe entsha iyodola u-$ 1,000 (ngemuva kwesaphulelo esivumelwaneni sezempilo), wanquma ukuthi yayidlulele futhi kwakudingeka kube nokukhetha kokwelashwa okunengqondo. Ngama-finance angu-30%, ngabe wayekhokha cishe u-$ 300 ukuze kugcwaliswe umuthi ngamunye.
Umshuwalense wezempilo uzobe ukhokhile u-$ 700.
Esikhundleni sokuqeda izikweletu eziningi zezokwelashwa, waphenya izindlela zokwelapha ezingabizi kakhulu. Ukhulume nodokotela wezinambuzane futhi wathola ukuthi imithi endala eyabiza kakhulu kakhulu yayisasebenza. Njengoba kwakudingeka akhokhe iphesenti ye-coinsurance yomuthi, ngokukhetha isidakamizwa esingabizi, angasindisa imali eningi.
Iyini Umshwalense Wezempilo Ngempela, Noma kunjalo?
Umshuwalense wezempilo awuklanyelwe ukukhokha zonke izindleko zakho zokunakekela impilo. Yenzelwe ukukhokha okuningi uma unezindleko ezimbi futhi ukukusiza kancane uma unezindleko ezilinganiselayo ngaphezulu.
Nakuba ama-copays, u-coinsurance, kanye nokudonswa ikakhulukazi kungabiza kakhulu, uvikelekile yi-plan yakho yezempilo engaphandle kwepokhethi. Lapho ama-deductibles, ama-copays, nokuqinisekisana okukhokhelwe kulo nyaka kufaka phakathi nesiphakamiso sakho esingaphandle kwe-pocket, uhlelo lwakho lwezempilo luqala ukuqoqa amaphesenti angu-100 ezindleko zakho zokunakekelwa kwezempilo.
Lokhu kusho ukuthi kufanele ukhokhe izinkulungwane ezimbalwa zamaRandi ngonyaka ngonyaka ngokubhekelela izindleko zokunakekelwa kwezempilo noma ngabe unomshwalense wezempilo. Kodwa, kusho futhi ukuthi uma udinga u-$ 400,000 wokufakelwa komnkantsha wamathambo ukuze ulondoloze impilo yakho, umshuwalense wakho wezempilo ukhokhela bonke kodwa ama-dollar ayizinkulungwane ezimbalwa.
Inkinga ukuthi izindleko zokunakekelwa kwezempilo ziningi kakhulu ; Kulula ukuphazamisa isabelomali semindeni ejwayelekile kanye nezindleko zokunakekelwa kwempilo ezilinganiselwe. Ngenkathi kungekho isisombululo esiphelele salolu daba, kukhona ezinye izinto ezizosiza ngokuhamba kwesikhathi.
Uma ufanelekile kumsizi wesikhwama se-Care Affordable ukuze unciphise amaphrimiyamu omshwalense wakho wenyanga yenyanga , cela isicelo sakho (lokhu kusho ukuthi uzodinga ukuthenga uhlelo lwakho lwezempilo ngokushintshanisa esifundazweni sakho).
Kukhona ngisho nezinsizakalo zokusiza ukunciphisa izindleko ze-deductible yakho, i-copays ne-coinsurance. Funda kabanzi mayelana nalezi zinsizakalo ku-" Ngingayithola Yini Usizo Lokukhokhela Umshwalense Wezempilo? "
Qinisekisa ukuthi uyaqonda uhlelo lwakho lwezempilo futhi uthola ibhande lakho elihle kunazo zonke. Funda ukuthi:
Futhi khumbula ukuthi ngenkathi kungenzeka ukuthenga ukukhokha ngezindleko eziphansi kakhulu ezingaphandle kwe-pocket, uzovame ukukhokha okuningi kuma-premium ngenyanga. Qinisekisa ukuchofoza izinombolo bese ubona ukuthi uzobe ukhokha kangakanani ekuhwebeni ukuvezwa okuphansi kwe-pocket.
Kungenzeka akufanele, ikakhulukazi uma unempilo futhi ungalindeli izindleko zezokwelapha ezibalulekile.
Ama-FSA, ama-HSAs, kanye nokufakwa kokungeziwe
Uma indawo yakho yokusebenzela inikeza i- akhawunti yokusebenzisa izimo eziguquguqukayo , yihlanganyele kuyo. I-FSA izokuvumela ukuba ukhokhe imali yakho yokubambisana, i-copays, kanye ne-coinsurance ngemali engaphambi kwentela. Ukwengeza, i-FSA ixhaswa ngemali encane ethathwe ku-paycheck ngayinye. Kulula kakhulu ukukhokha imali engu-$ 2,000 ekhishwe ngokuthatha imali engu-$ 77 kusukela ekukhokhweni kwakho njalo ngemva kwamasonto amabili kunokukhiqiza ngemali engu-$ 2,000 kusuka ku-akhawunti yakho yokuhlola uma ugula.
Uma ufanelekile kwi- akhawunti yokulondoloza impilo , bhalisela yona. Kuzokhipha ibhajethi yakho yokunakekelwa kwempilo njengenhlangano ye-FSA, kodwa inezinzuzo eziningana ngaphezu kwe-FSA. Funda kabanzi ku " Izindlela ezingu-5 i-HSA Inhle kune-FSA ."
Kwezinye izimo, umshuwalense wokungezelela ungase uzuze. Kodwa kungase kube ukuchitha imali kwezinye izimo. Nanka ezinye izinsiza uma unesifiso sokwengeza ukufakwa kokungeziwe:
- Iyini Umshwalense WezeMpilo Ezingenelela & Usebenza Kanjani?
- Izinto Okufanele Ziyazi Ngaphambi Kokuthenga Umshwalense WezeMpilo Esengeziwe
- Izinto Ezizokwazi Ngayo Ngomshwalense Wezempilo Obuhlungu