Kodi Ndingasankhe Bwanji Zopindulitsa Zobwino Kwa Banja Langa?

Zomwe Mungasankhe Phindu Labwino la Banja la Banja

Pokhala ndi ndalama zothandizira zaumoyo pazowonjezereka komanso gulu la ogwira ntchito amapindula zopereka zochepa pokhapokha ngati zowonongeka zowonongeka (atachoka mthumba), ogula ambiri apeza kuti akulimbana ndi kusankha zosowa zabwino pokwaniritsa zosowa za banja. Kodi ndi kwanzeru kulandira zopindula zomwe gulu limapereka, kapena kusankha ndondomeko yoperekedwa ndi msika wogonjetsedwa ndi boma - kugwiritsa ntchito ndalama zopereka msonkho ndi thandizo la boma?

Ndiye, pali funso ngati inshuwalansi ya umoyo idzagwira ntchito zothandizira kapena ngati banja liyenera kufuna kuvomereza musanayambe njira yathanzi.

Zolepheretsa Kusankha Phindu Labwino kwa Mabanja

The Affordable Care Act (ACA) inkayenera kuthandiza mabanja kupeza inshuwalansi yapamwamba komanso chithandizo cha ubwino, pomwe akuthandizira kugwiritsa ntchito chithandizo chamankhwala nthawi yaitali. Mwamwayi, mabanja ambiri adakumana ndi malipiro omwe sali okwera mtengo, komanso ndalama zambiri poyesera kupeza chithandizo chamankhwala chokwanira.

Pamwamba pa izo, zodabwitsa za ngongole zachipatala ndizofala chifukwa ogulitsa akuvutika kuti amvetse zolinga zatsopano. Kafukufuku wa Kaiser Family Foundation adawonetsa kuti, "anthu asanu ndi awiri (10) mwa khumi alionse omwe ali ndi ngongole zachipatala zosagwiritsidwa ntchito mosadziwika sanadziwe kuti wothandizira zaumoyo sali mu mapulogalamu awo pa nthawi yomwe adalandira chisamaliro."

Zoona, nkhani izi zikugwiritsidwa ntchito monga kusintha kwa chisamaliro kumasintha maonekedwe a phindu. Kulankhulana ndi mtsogoleri wanu wa HR kuti athetse mavuto ngati amenewa, ndipo kugwira ntchito mwakhama pamodzi ndi phindu kulumikizana kungathandize.

Malangizo Otsatira Njira Zabwino Za Banja

Mukasankha kugula phindu la banja, pali njira zina zosavuta kutsatira.

Ndikofunika kupatula nthawi ndi mwamuna kapena mkazi wanu kuti mukwaniritse cholinga.

1. Sankhani zosowa kapena zofuna zaumoyo zomwe zikufunika kusamalira chaka chino. Musanayambe kulembetsa, banja lanu liyenera kukhala ndi lingaliro labwino lazinthu zomwe zimafunikira chidwi chaka chino. Ngakhalenso ngati izi zikuwoneka pazinthu zothandizira, muyenera kukhala ndi zolinga zokhudzana ndi thanzi. Zinthu monga mimba, matenda omwe analipo kale, ndi zina zambiri amafunikira chidwi.
2. Onaninso ndi kuyerekezera dongosolo lonse la EOB mosamala. Mutha kukhala ndi tani zambiri, koma malo abwino kwambiri omwe mungayambe ndikutenga ndondomeko yonse ya mapepala opindula omwe amalembera zomwe zimapindulitsa pa dongosolo lililonse. Pezani izi ku malo ogwira ntchito. Kenaka pitani nawo kuti mudziwe mapepala apadera, deductibles, ndi kunja kwa ndalama poyendera maofesi, ER oyendera, ndi malamulo.
3. Pitiliza njira yofunsira za phindu la msika. Tsopano, pita patsogolo ku webusaiti yothandizira kusamalirako zaumoyo ndikupeza malo anu amsika pamsika. Lowani ndi kuyamba kufotokozera chiwerengero cha banja lanu, kuphatikizapo ndalama zanu pachaka, ndi mamembala onse a m'banja mwako omwe mukuphimba. Mudzatha kupeza malemba angapo, ndipo mukhoza kupenda ma EOB awa pamodzi ndi zomwe muli nazo kale.

1. Sankhani ndondomeko zothandizira zaumoyo zomwe zimapereka chiwerengero chochepa, pazifukwa zabwino. Pitani ndi ndondomeko yothandizira zaumoyo yomwe ikukupatsani inu chiwerengero chokwanira chokwanira pa mapepala anu, ndalama zochepa zomwe mumatulutsa pocket ndi deductible, ndi zabwino zabwino za banja lanu. Zolinga zina zingapereke chithandizo chofananamo, koma msonkho wamwezi uliwonse udzakhala wosiyana. Ngati mupatsidwa ndalama zothandizira boma, mukhoza kupeza ndondomeko yofanana kapena yabwino kusiyana ndi zomwe malo ogwira ntchito amapereka ndi ndalama zochepa.
2. Lowani ku kampani ya Health Savings Arrangement oyambirira. Mukasankha ndondomeko yoyenera ya chithandizo chaumoyo kwa banja lanu, ngati ndi ndondomeko yothandizira zaumoyo, ndikulembetseni kwa kampani yothandizira Health Savings Arrangement tsopano. Mudzapulumutsa ndalama mwa kugula zolemba zonse ndi kulipira ndalama zosagwiritsidwa ntchito pogwiritsa ntchito ndalama zisanapereke msonkho.