Uhlelo lwegolide luhlobo lomshwalense wezempilo okhokhela, ngokwesilinganiso, amaphesenti angu-80 ezindleko zokunakekelwa kwempilo. Hlela amalungu akhokhe amanye amaphesenti angu-20 ezindleko zokunakekelwa kwezempilo nge- copayments yabo , imali yokukhokhela imali, kanye nezinkokhelo ezithintekayo .
Ukwenza kube lula ukuqhathanisa ukubaluleka okuthola imali oyisebenzisayo kuma- premium yomshuwalense wezempilo, i- Care Affordable Act eqinisekisiwe amazinga wokulinganisa uhlelo lwezempilo yezinhlelo zomuntu ngamunye nezincane (kodwa hhayi ngamacebo amakhulu weqembu).
La mazinga, noma ama-tiers, yi-platinum, igolide, isiliva, neyethusi.
Zonke izinhlelo zezempilo zesigaba esinikeziwe cishe zenani elikhulu elifanayo. Ngezinhlelo zegolide, izibalo zingamaphesenti angu-80. Izinhlelo zePlatinum zinikeza inani lamaphesenti angama-90, isiliva ngamanani angu-70, futhi ishekeli libe ngamaphesenti angama-60. Esimweni ngasinye, kunesilinganiso esamukelekayo se -4 / + 2 sezinhlamvu zesiliva, igolide, ne-platinum, futhi -4 / + 5 ngezinhlelo zethusi (inothi ukuthi iKalifornia ibeka uhla lwayo ku -2 / + 2)
Iyini Inzuzo Yomshuwalense Wezempilo?
Inani le- actuarial likutshela ukuthi yiliphi iphesenti lezindleko zokunakekelwa kwezempilo ezibhekelelwe uhlelo olulindeleke ukuthi lukhokhise ubulungu balo lonke. Lokhu akusho ukuthi wena, ngokwakho, uzoba nezindleko ezingu-80 zezindleko zakho zokunakekelwa kwezempilo ezikhokhwa yicebo lakho legolide (noma ngaphakathi kohlelo lokuvunyelwa kwegolide olungamaphesenti angu-76-82). Ungase ube namaphesenti angaba ngu-80 ezindleko zakho ezikhokhelwe kuye ngokuthi usebenzisa kanjani uhlelo lwakho lwezempilo lwegolide.
Inani liyisakazwa esiphakathi kuwo wonke amalungu epulani.
Izinto umshwalense wakho wezempilo awukufihli nakancane azicatshangwanga uma kunquma inani lezinhlelo zezempilo. Isibonelo, uma uhlelo lwakho lwezempilo lwe-gold-tier lungakhokhi ngemithi engaphezu kwemithi efana nokuhlinzwa kwezimonyovu, amaphilisi abandayo noma ukhilimu wokuqala wokusiza, izindleko zalezo zinto azihlanganisiwe uma kubalwa inani lepulani yakho.
Izinto plan yakho yezempilo ihlanganisa ngaphandle kokwabelana kwezindleko kufakiwe. Ngakho-ke, ukulawulwa kwamahhala nokunakekelwa kokuvikela uhlelo lwakho lwezempilo luhlinzeka uma kufakwe inani lecebo lakho.
Yini Okuyofanele Uyikhokhe?
Uzokhokhela izinyunithi zenyanga ngenyanga ohlelweni lwezempilo. Izinkokhelo ze-Gold plan zivame ukubiza kakhulu kunezinhlelo ezingezansi eziphansi ngoba izinhlelo zegolide zikhokha ngaphezulu kwezikweletu zakho zokunakekelwa kwezempilo kunezinhlelo zesiliva noma zethusi. I-premium plan yegolide izoba ishibhile kunezinkokhelo zeplatinum plan ngoba izinhlelo zegolide zikhokha amaphesenti aphansi ezindleko zokunakekelwa kwezempilo kunezinhlelo zokukhokhelwa kweplatinum.
[Qaphela ukuthi ukuhlinzekela ngo-2018, uhlelo olujwayelekile lokulinganisa-izinhlelo ze-shayali ngokuvamile libiza kakhulu, lilandelwa isiliva, bese kuthi igolide, kanti i-platinum-ayibambeli ngempela. Ngenxa yokuthi izindleko zokunciphisa izindleko zengeziwe ezinkampanini zesiliva zesiliva emazweni amaningi, kungenzeka ukuthola izinhlelo zegolide ezingabizi kakhulu kunezinhlelo zesiliva.]
Kuzodingeka futhi ukhokhe ukwabelana ngezindleko ezifana nokudonswa kwemali, ukuqinisekiswa kwezimali, kanye nama-copay uma usebenzisa umshwalense wakho wezempilo. Indlela uhlelo ngalunye lwenza amalungu akhokhe ngayo ingxenye yawo engamaphesenti angama-20 ezindleko zokunakekelwa kwezempilo kuzohluka. Isibonelo, uhlelo olulodwa lwegolide lungase libe ne-$ 2500 ephezulu ekhishwe ngokubambisana nge-coinsurance ephansi ye-10%.
Uhlelo lokuncintisana lwegolide lungase lube ne-deductible ephansi ehlanganiswe ne-coinsurance ephezulu noma amanye ama-copays.
Kungani Kufanele Ukhethe Igolide?
Ekukhetheni uhlelo lwezempilo, uma ungakhathazeki ukukhokhela amaphrimiyamu aphezulu ukuze ube nengxenye enkulu yezindleko zakho zokunakekelwa kwempilo ezikhokhelwa ngumhlinzeki wakho wempilo, uhlelo lwe-golden-tier lungakhetha kahle. Uma umqondo wokukhokha, ngokwesilinganiso, kuphela amaphesenti angu-20 kuphela ezindleko zakho zokunakekelwa kwempilo ephaketheni lakho kunamaphesenti angu-30 noma angu-40, akhuthaza kuwe, khona-ke uhlelo lwegolide luzoba ngumdlalo omuhle.
Izinhlelo zegolide cishe zizobheka abantu ababheke ukusebenzisa umshwalense wabo wezempilo, abesaba ukuthi banomthwalo wemali ephezulu yokukhokhela imali, noma ngubani ongakwazi ukukhokhela okungaphezulu ukuthula okuncane kwengqondo kunokuba babe nesiliva noma uhlelo lwebhesi.
Kodwa njengoba kuphawuliwe ngenhla, ngo-2018 (futhi mhlawumbe ngaphesheya kwalokho, kuthatha izinkampani zomshuwalense ziqhubeka nokwengeza izindleko zokunciphisa izindleko zemali ezikhokhelwa amapulamende esiliva), kungenza kube ngcono ukuthenga uhlelo lwegolide ngoba nje libiza kakhulu kunecebo lesiliva, naphezu kokunikeza ukufakwa okungcono. Kubantu abafanelekela ukunciphisa izindleko zokwabelana , uhlelo lwegolide lungase lunikeze inani elingcono. Kodwa kubantu abangakufanelekeli ukunciphisa izindleko (okungukuthi, imali yabo engenayo ingaphezu kwama-250 ekhulwini lobuphofu, noma i-$ 30,150 kumuntu oyedwa ngo-2018), uhlelo lwegolide lungaphetha ukuhlinzekela kangcono ama-premium aphansi.
Kungani Ungakhethi I-Gold Pan?
Ungakhethi uhlelo lwezempilo lwe-gold-tier uma i-premium yenyanga ephansi iyinto ebaluleke kakhulu kuwe. Kungenzeka ukuthi ube nama-premium aphansi uma ukhetha uhlelo lwesiliva noma lwe-bronze, esikhundleni salokho (ngaphandle, njengoba kuboniswe ngenhla, ezimweni lapho uhlelo lwegolide luphela lubiza okungenani kunecebo lesiliva).
Uma uvumelekile ukunikezwa ngemali eyabelwe izindleko ngoba inzuzo yakho ingamaphesenti angama-250 wezinga lobuphofu lobufelandawonye noma liphansi, uvumelekile kuphela ukusizwa ngemali yokwabelana ngezindleko uma ukhetha uhlelo lwe-silver-tier bese uluthengisa ekushintsheni komshuwalense wezempilo . Ngeke uthole izinsizakalo zokwabelana ngezindleko uma ukhetha uhlelo lwegolide noma ngabe imali yakho ingase ibe yanele ngokwanele ukuze ufaneleke.
Izinsizakalo zokwabelana ngezindleko zenza imali yakho yokubambisana, i-copays ne-coinsurance ephansi ukuze ukhokhe kancane uma usebenzisa umshuwalense wakho wezempilo. Empeleni, uxhasomali lokubelana ngezindleko luyokhulisa inani lepulani lakho lempilo ngaphandle kokuphakamisa amaphrimiyamu wenyanga. Kunjengokuthola ukuthuthukiswa mahhala kumshuwalense wezempilo. Uma ukhetha uhlelo lwesiliva kunokuhlelwa kwegolide, imali yakho yokwabelana ngezindleko ingakusiza uthole inani elifanayo owawuthola ngecebo legolide noma iplatinum, kodwa ngama-premium aphansi ohlelweni lwesiliva. Ngeke uthole ukuthuthukiswa kwamahhala uma ukhetha uhlelo lwe-gold tier.
> Imithombo:
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Ukuvikelwa kwesineke kanye noMthetho Wokunakekelwa Kwezinkinga, Ukuqiniswa Kwemakethe . Ngo-Ephreli 13, 2017.
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Ukuvikelwa kwesineke kanye noMthetho Wokunakekelwa Kwezinkinga; Isaziso se-HHS Isaziso seNzuzo kanye neMigomo yokukhokha ka-2018; Ukuchitshiyelwa kwezikhathi ezikhethekile zokubhalisa kanye nohlelo lwabathengi olusetshenzisiwe futhi oluhlelekile. NgoDisemba 22, 2016.