Ukwabelana Ngezinkokhelo Ngenkampani Yomshuwalense Wakho
Ukuqonda umshuwalense wezokwelapha kungaba yinkimbinkimbi nendima eminingi yokudideka. Elinye lalabo igama elithi 'ukuqinisekiswa kobuqotho.' Ngencazelo yayo eyisisekelo, lokhu kusho ukuthi uzokwabelana ngezindleko zokwelashwa nenkampani yakho yomshuwalense.
I-Coinsurance inezinzuzo zayo, njengama-premium aphansi ngenyanga, kodwa kungase kusho ukuthi ukhokha ngaphezulu kwe-pocket kuze kube yilapho ufinyelela ku-deductible yonyaka.
Yiqiniso, kunezinzuzo zenkampani yomshuwalense kanye. Ngaphambi kokuthenga inqubomgomo entsha, kubalulekile ukuqonda kahle ukuthi yikuphi ukukhokhelwa kwezimali.
Kuyini Ukuqinisekiswa Kwezimali?
Ngisho noma unomshwalense wezempilo , uzobe unesibopho sokukhokha ingxenye ethile yezo zonke izimo zokunakekelwa ozifunayo, kungakhathaliseki ukuqokwa kwabadokotela, ukuhlolwa, ukuvakasha esibhedlela, noma umuthi wokwelapha ngamunye. Awususwanga ngokuphelele le hook uma kuziwa ekukhokheni umshwalense.
Olunye uhlobo oluthile lwalolu hlobo lokukhokha okwabiwe lubizwa ngokuthi i-coinsurance. Ngesiqiniseko sokuqinisekisa, umuntu ohlinzekwa ngomshuwalense uhlanganyela enye yenkokhelo eyenziwe kumthethosivivinywa noma isimangalo nomshuwalense. Ezingeni layo eliyisisekelo, ukuqinisekiswa kwemali kubhekisela ekusakazweni kwenkqubo yomshuwalense phakathi kwamaqembu amaningi.
Amaphesenti we-Coinsurance
I-Coinsurance ivame ukufakwa njengephesenti lemali ephelele edingekayo ukuthi ikhokhwe.
Leyo phesenti iyisibopho sakho kunoma yiziphi izimo zokunakekelwa.
Ngokwesibonelo, umshuwalense wakho ungahle ubekwe ku-80/20, okusho ukuthi inkampani yomshuwalense ikhokha amaphesenti angu-80 we-bill yonke futhi ukhokhela amaphesenti angu-20 asele. I-Coinsurance ingaba ngamaphesenti angaba ngu-50 eminye imigomo yomshuwalense. Uma unesiphakamiso sezempilo esinqunyiwe noma esiphuthumayo , singase sikhuphukele phezulu njengamaphesenti angu-100 kuze kube yilapho inani lakho lidonswe.
Kodwa-ke, ephakeme amaphesenti okulindeleke ukuba akhokhe, ama-premium akho ngenyanga angabiza kakhulu. Uma ukhokha ngaphezulu izinsizakalo ngabanye, cishe uzokhokha kancane ngenyanga ye-premium.
Indlela Ukuhlanganyela Kwasebenza ngayo
Ake sithi uvakashele udokotela wakho ngenqubo yesimiso futhi ibhilikhithi eliphelele lokuvakashelwa liyi $ 125. Kungenzeka ukuthi ukhokhe kakade i-copay ye-$ 25. Uma isetshenzisiwe, le copay inciphisa umthethosivivinywa wangempela kusuka ku-$ 125 kuya ku-$ 100. I-coinsurance yakho isungulwe nomshuwalense wakho u-80/20, okusho ukuthi manje kulindeleke ukuthi ukhokhe imali engu-20% ye-Bill 100 esele, ephuma ngo-$ 20.
Ngakho-ke, izindleko zakho eziphelele zokuvakashelwa kwakuyi-$ 25 yenkokhelo kanye nokunye okuqinisekisiwe kwe-$ 20, okuphuma ku-$ 45.
Izizathu zokuQinisekisa
Kunezizathu ezimbili eziyisisekelo zokuthi kungani izinkampani zomshuwalense zisebenzisa i-coinsurance. Iyanciphisa inani okufanele bakhokhele egameni lakho ngokunakekela kwakho. Ngesikhathi esifanayo, kubuye kukudikize ekuboneni udokotela wakho noma ukufuna ukwelashwa ngoba bayazi ukuthi uma kudingeka ukuba ukhokhe ingxenye yayo, awukho amathuba okufuna ukunakekelwa.
Ngokungafani nama-copay amaningi , ukuqinisekiswa kobambiswano kubangele ukukhishwa kwakho. Uma usufinyelele ku-deductible yakho, kungenzeka ukuthi awunaso umthwalo wemali yokukhokhela yonke inkulumo ye-policy yakho (ngokuvamile ekupheleni konyaka wezimali wamanje).
Qinisekisa ukufaka izindleko ze-coinsurance uma uhlola ukuthi iyiphi inqubo yomshuwalense wezempilo ozoyikhetha, kungaba inqubomgomo ngayinye noma ngesikhathi sokubhalisa okuvulekile .