Kungani Ungase Ube Necala Noma Ngemva kokuhlangana Nezempilo Yakho Deductible
I-Coinsurance iyinani lephesenti isiguli esidingekayo ukuba sikhokhele isaziso somshuwalense wezempilo uma befaka isicelo somshuwalense wezempilo.
Kuyini Ukuqinisekiswa Kwezimali?
Abanye abahlinzeki bomshuwalense wezempilo badinga ukuthi isiguli sikhokhele iphesenti yezindleko zemisebenzi ehambisana nempilo ngemuva kokudonswa kwonyaka . Lokhu kukuqinisekisa. I-Coinsurance ivame ukuba yi-20% kuya ku-30% yalokho uhlelo lwezempilo oluvuma.
Uhlelo lwezempilo luzokhokha imali engama-70% kuya ku-80%. Iphesenti ye-coinsurance isetshenziswa kakhulu ngaphezu kwe-deductible, okumele ikhokhwe ngaphambi kokuba inkampani yomshuwalense ikhokhe noma yini ekupheleni kwayo. Ngemuva kokuba i-deductible ikhokhwa ngokugcwele uzokwabelana ngezindleko zokunakekelwa kwakho ngecebo lakho lempilo ngokukhokha imali yokuqinisekisa.
Nasi isibonelo sokuthi ukuqinisekiswa kwezimali kungasebenza kanjani:
UMnu Jones unenhlelo lempilo yomndeni ene-deductible yonyaka we-$ 500 kanye no-20% wezimali. NgoFebhuwari, umkakhe nezingane ezimbili baqashelwa udokotela wabo womndeni. UMnu. Jones ukhokhela udokotela ngalezi zinsizakalo, okubiza ama-dollar angu-510. Ngo-Mashi, omunye wabantwana wagula futhi izindleko zokuvakasha ehhovisi kwakuyi $ 50. Njengoba i-deductible yaminyaka yonke ihlangene, uhlelo lwezempilo lukhokhela udokotela u-$ 40 (80%) noMnu Jones bakhokhela udokotela $ 10 (20%)
Ngaphandle kwe-Pocket Maximum
I-Coinsurance isetshenziselwa ukuphelelwa yisikhathi kwesiguli esiphezulu se-pocket .
I-out-of-pocket esiphezulu yonyaka yonke inani eliphakeme kakhulu noma eliphelele inani lenkampani yomshuwalense wezempilo idinga isiguli ukuba sizikhokhele ngokuqondene nezindleko eziphelele zokunakekelwa kwezempilo .
Uma usuqedile isiguli, ama- copayments , kanye ne-coinsurance ekhokhwa unyaka othile wengeze kuze kube sekuphumeni kokuphuma kwepokhethi, izidingo zokwabelana ngezindleko seziguli ziphelile kulowo nyaka.
Ukulandela ukugcwaliseka kwe-out-of-pocket esiphezulu, uhlelo lwezempilo lube seluthatha zonke izindleko zokunakekelwa kwe-in-network okusele konyaka.
Ukubala Impilo Yomshuwalense Wezempilo Yakho
Ukunciphisa nokukhokhwa kwemali kuyinani elilinganiselwe lemali. Ngakho-ke, akulona kunzima ukubona ukuthi kunani elikukhokhwayo. Ikhophi ye-$ 50 ye-odokotela izobiza izindleko zamaRandi ama-50 kungakhathaliseki ukuthi inani. Ukubala ikhodi yomshuwalense wempilo kuhluke kakhulu, futhi kunzima kakhulu, njengoba ukukhokhelwa kwemali kuyiphesenti yezindleko zesevisi, kunezibalo ezibekiwe. Ngakho-ke, ukuqinisekiswa kwemali kuzoba okuhlukile kumsebenzi ngamunye ngamunye owamukelwe. Uma insizakalo yokunakekelwa kwezempilo ithola inkonzo engabizi, khona-ke ukuqinisekiswa kwemali kuyobe kungabizi eshibhile. Kodwa-ke, uma insizakalo yokunakekelwa kwezempilo ithola imali, imali yokukhokhela imali izophela ngokubiza.
Funda ukuthi ungabala kanjani imali yakho yomshuwalense wezempilo .