Momwe Mungasankhire Inshuwalansi Yanu ya Umoyo

Kusankha inshuwalansi yaumoyo yomwe imakhudza zonse zomwe mukufunikira kungakhale kovuta. Zosintha ndi Affordable Care Act zasintha ndondomeko. Ndikofunika kuonetsetsa kuti ndondomeko yanu ikukwaniritsa zofunikirazi. Bwana wanu angapereke inshuwalansi yambiri ndipo zonsezi ziyenera kukumana ndi Zopindulitsa Care Act zofunika. Ndikofunika kusamala mosamala zomwe mungasankhe musanazindikire ndondomeko yomwe mungagwiritse ntchito.

Pali zifukwa zingapo zomwe zingasinthe zotsatira za chisankho chanu. Ndikofunika kupeza dongosolo lomwe limakuyenderani bwino.

Ganizirani za malire ndi Zosankha

Chinthu choyamba kulingalira ndi kuchuluka kwa dongosolo lomwe lirilonse lidzalipire kuti muwononge ndalama zanu. Ndondomeko yabwino sidzapindula nthawi zonse. Ngati chinachake chonga khansara chikanakuchitikirani, mungadabwe kuti mudzafika msanga bwanji. Ngati mulibe mwayi wosapindula ndi moyo wanu wonse, muyenera kusankha pazomwe mungakwanitse.

Yang'anani pa Zomwe Mumagwiritsa Ntchito Pokopa

Muyenera kuyang'ana kuchuluka kwa deductible yanu chaka chilichonse, komanso. Izi ndizo ndalama zomwe mumayenera kulipira mthumba musanayambe inshuwalansi yanu. Ndondomeko zina za inshuwaransi mumalipiritsa deductible musanapite kukaona maofesi. Zolinga zina za inshuwalansi zimafuna kubwezera ndalama kwa maofesi a maofesi ndipo simukuwerengera ndalamazo kuti mupereke ndalama.

Muyenera kuyang'ana momwe ndalama zanu zothandizirana ndi inshuwalansi zilili. Cholipilira chanu ndizo zomwe mumalipiritsa kuti mupite kwa dokotala, katswiri kapena chipinda chodzidzimutsa. Ndalama zanu zowonjezera ndizo ndalama zomwe muli nazo pokhapokha ngati inshuwalansi ikulipira gawolo. Kawirikawiri coinsurance ndalama ndi 80/20.

Inshuwalansi ikhoza kulipira makumi asanu ndi atatu peresenti ya ndalama, ndipo iwe ukhoza kulipira makumi awiri peresenti ya ndalamazo.

Kenaka, ganizirani zazing'ono zomwe zimatchulidwa. Mukamaliza izi, malire anu inshuwalansi adzaphimba china chilichonse (kupatulapo ndalama zothandizana nawo). Ngati muli ndi ndondomeko ya inshuwalansi yapamwamba yothandizira, ndalama zanu zowonongeka ziyenera kukhala zofanana ndi wanu deductible. Pali mapulani a hybridi omwe ali ndi deductible yomwe imapitirizabe kuitanitsa ndalama zothandizana nawo. Nkhanizi siziyenera kulandira akaunti za ndalama zachuma.

Ndalama Zomwe Mulipira Zambiri

Potsirizira pake, onjezerani momwe mudzathera kumalipira kuchokera pa ndondomeko iliyonse ngati chinthu choipa chikanakuchitikirani. Onetsetsani kuwonjezera pa mtengo wa inshuwalansi nokha pa dongosolo lililonse. Ngati muli ndi thanzi labwino, mudzafuna kusankha ndondomeko yomwe ingakuchititseni ndalama zochepa mu thumba la chaka chonse. Ngati muli ndi thanzi labwino, mungasankhe kupita ndi ndondomekoyi ndi malipiro apamwamba kwambiri kapena mungasankhe kupita nawo pakati.

Musalembe Zolemba Zapamwamba za Inshuwalansi

Olemba ntchito ambiri akuyamba kupereka inshuwalansi yapamwamba. Inshuwaransiyi ili ndi malipiro apamwamba, koma ndiwe ndi udindo wakulipira chirichonse kufikira mutakumana ndi deductible yanu. The deductible kulikonse kuchokera $ 1000.00 mpaka $ 5000.00 pa banja pachaka. Ngati ndi choncho, muyenera kuika ndalama zokwanira kuti muphimbe chaka chilichonse. Yesetsani kugwiritsa ntchito gawo la zaumoyo lomwe limveka ngati inshuwalansi koma limagwira ntchito mosiyana ndipo sangakupatseni kufanana komweko. Muyeneranso kupeĊµa ndondomeko zowonjezera zomwe zimadulidwa kwambiri musanayambe kufotokozedwa, komabe inu mukupitiriza kulipira inshuwalansi ndi malipiro.

Zitha kuthetsa kukupatsani zambiri kuposa zonse zomwe mungasankhe.

Gwiritsani Bwino Inshuwalansi Yanu Yathanzi

Mukapeza pulogalamu yabwino, nkofunika kugwiritsa ntchito kwambiri ndondomeko yanu. Werengani kabuku kothandiza. Onetsetsani kuti mukumvetsa mitengo yosiyanasiyana yomwe imayikidwa pazinthu zosiyanasiyana. Mwachitsanzo, x-ray ikhoza kutsekedwa pa chisamaliro chapadera monga gawo la ulendo, koma mwina sungakwanire mokwanira ngati dokotala akulamula ndipo muyenera kupita ku labata losiyana kuti mupeze x-ray. Itanani kampani yanu ya inshuwalansi ndikuonetsetsa chithandizo pamaso pa njira iliyonse yachipatala. Pitani kwa dokotala wanu ndipo yesani kuchepetsa chisamaliro chofulumira ndi maulendo obwera mwachipatala. Ndifunikanso kuti muwerenge mosamala za ngongole zamankhwala zomwe mumalandira ndikutsutsana nazo zolakwa zilizonse zomwe zapangidwa. Ntchitoyi ikhoza kutenga nthawi, koma nkofunika kutsimikiza kuti simukulipira zambiri kuposa momwe mukufunira kuti bizinesi zamankhwala zikhoza kuwonjezereka mwamsanga.