Kukwera? Ambiri amakonda. Amayi anayi (5) mwa asanu aliwonse amathera nthawi yosachepera ola limodzi pa zosankha zawo, ndipo amangopanga zosowa zomwezo chaka ndi chaka.
Mtengo wa Kusagwirizana
Izi zingakhale zodula ngati musankha cholakwika. Nenani kuti muzisankha dongosolo limene dokotala yemwe mumamuwona kamodzi pachaka sali pa intaneti. Icho chingakhale mtengo umene inu mukulolera kupirira. Koma ngati mutha kumaliza thandizo la dokotala pa njira zina zosayembekezereka? Mungathe kumalipira 300 peresenti ya zomwe zingakudzere ngati mutapeza mndandanda wa intaneti kuchokera pa kupita, malinga ndi maphunziro a 2015 ndi AIPP Center for Policy ndi Research. Mofananamo, ngati mutasankha kulipira ndalama zapamwamba zomwe zimabwera ndi mapulani omwe amachepetsedwa, koma kawirikawiri sakudziwa dokotala kapena kulembetsa mankhwala chifukwa muli wathanzi ngati kavalo, mungathe kumalipira zambiri kuposa momwe mukufunira .
Ndipo mtengo wogwiritsira mutu wanu mumchenga ukungopita pamwamba.
Mtengo wokwanira wa chithandizo chamankhwala ku US uli pafupi madola 3 trilioni pachaka, omwe ogula amalipira mthumba pafupifupi $ 400 mpaka $ 500 biliyoni-ndipo gawo lathu likukwera pafupifupi 10 peresenti pachaka.
"Ndili wokonzeka kutsimikiza kuti gawo lathu lidzangopita," anatero Thomas Torre wa Copatient, kampani yomwe imathandiza ogula kukambirana nawo madokotala ndi madokotala.
"Zimenezo sizingatheke."
Kupanga chisankho choyenera, kotero, kumadalira kudziyika nokha ndi kumvetsetsa kwenikweni koyamba: kukhala ndi chidziwitso chachikulu cha zomwe mukuwona pamene mukuwerenga zokhudzana ndi thanzi la lero. (Aflac anayesanso izi, komanso anthu ambiri samatero.) Ndipo chachiwiri, amatha kuyankha mafunso angapo omwe angakuuzeni mtundu wa mapulani omwe angakhale abwino kwa thumba lanu.
Kupanga zisankho zabwino, kotero, kumadalira kudzidzimangira nokha ndi chidziwitso cha mfundo zazikulu za inshuwalansi kuntchito.
Lankhulani Chilankhulo
Choyamba, muyenera kumvetsa bwino za inshuwalansi zaumoyo. Mu kafukufuku wake, AFLAC inapeza kuti anthu ambiri samagwiritsa ntchito mawu othandiza okhudzana ndi thanzi. N'zovuta kupanga chisankho ngati simukudziwa mawu otsatirawa:
PPO: bungwe lopatsidwa opatsa. Ili ndi ndondomeko yaumoyo yomwe siimakulepheretsani kuti mukhale ndi othandizira ogwira ntchito zaumoyo (kapena kukupangitsani kuti mutumizidwe kwa akatswiri) koma mudzafuna kuti muthe kulipira ndalama zowonjezera zowonjezera odwala
Ndondomeko Yopamwamba: Ndondomeko yomwe imakufunirani kuti mulipire chisamaliro chanu (madokotala ndi malamulo) mpaka mutakumana ndi deductible yanu.
Akukuthandizani kuti mutsegule HSA kapena Akaunti Yopulumutsa Moyo.
HSA: Kuti muthe kulipira ndalama za ndalama zanu zapamwamba, muli ndi akaunti yopezera ndalama zomwe inu ndi abwana anu mungathe kuikapo ndalama zisanapereke msonkho zomwe zingagulitsidwe ndikukula misonkho. Ngati mumagwiritsa ntchito ndalamazo kuti mugwiritse ntchito ndalama zoyenera, simukuyenera kulipira misonkho pomwe mukuigwiritsa ntchito.
Choyamba : Ndalama yomwe mumalipira-kawirikawiri pamwezi-kugula inshuwalansi ya thanzi.
Deductible: Ndalama yomwe mumalipira mu thumba la chithandizo chamankhwala asanakhale inshuwalansi.
Kulipilira malipiro: Ndalama yomwe mumalipira paulendo wa ofesi kapena mankhwala omwe amalembetsa zomwe inshuwalansi akulipira (mpaka mutakumanitsa ndi ndalama zanu zowonjezera).
Coinsurance: Peresenti ya chithandizo chamankhwala chomwe mukuyenera kulipira kufikira mutakwaniritsa zochepa zanu.
Zosankha Zazikulu
Tsopano mukhoza kupitirizabe kukukonzerani zolinga zabwino. Nazi zotsatira zazikulu zomwe mukufunikira kupanga.
PPO vs. ndondomeko yowonongeka ndi HSA. Ngati mukukonza ndondomeko kudzera mwa abwana anu, izi ndizo zosankha zanu. Kuti muyitane, yang'anani kumbuyo kwa ntchito yanu yachipatala chaka chatha. Ndi kangati munamuwona dokotala? Kodi mwalemba malamulo angati? Ngati muli ndi thanzi labwino ndipo musamamwe mankhwala ambiri, nthawi zambiri mumakhala ndi mankhwala okwera kwambiri. Ngati muli ndi ndalama zambiri zomwe mukuyembekezera, kuphatikizapo mankhwala, mumakhala bwino ndi PPO.
Yerekezerani ndi zopereka zomwe mukutsutsana nazo. Zindikirani, ine ndinati "nthawizonse ndibwino." Ndizotheka kutsatira malangizo amenewo ndi kulakwa. Sankhani ndondomeko yaumoyo yowonjezera payuniyamu yokha, malinga ndi kafukufuku wa Copatient. Choyamba ndizofunikira, koma sizinthu zokhazoyenera kuziganizira, akuti Justin Sydnor, Pulofesa Wothandizira pa Wisconsin School of Business. Onjezerani ndalama zanu za pachaka ndikuyerekezera zomwe mukulipira pa ndondomeko yamtengo wapamwamba kwa zomwe mukusunga pa deductible. Ngati abwana anu akupereka ndalama ku Account Savings Account kuti asatengereko ndalama zambiri, onetsetsani kuti mukuziganizira.
Ganizirani madokotala, mapulani ndi zina zotengera. Onetsetsani kuti mukuganizira zosiyana zomwe zilibe ndondomeko ya mtengo. Kodi madokotala omwe mukufuna kuwona pa ndondomeko yanu? Kodi mankhwala omwe mungakhale nawo mungakhale nawo? Kodi mutha kulipila ndalama zochuluka-mu mawonekedwe a copay kapena coinsurance-nthawi iliyonse yomwe mupita kuchipatala? Tayang'anani mbiri yachipatala cha chaka chatha, ndikuganiza kuti khalidwe lanu lidzakhala lofanana.
Ndipo ngati simungakwanitse kukonza mapulani? Kumbukirani: Ndondomeko yotsika mtengo ndi yabwino kusiyana ndi ndondomeko iliyonse.
Ndili ndi Kelly Hultgren