Umzekelo
Unayo ivenkile ebizwa ngokuba yiBordeaux Bistro. Ngentsasa yeveki, kwaye uBenny, umqeshwa wakho, usekhitshini ekutyeni imifuno. Ngokukhawuleza, umsila kaBenny uyaphonsa kwaye ngokukhawuleza unqamle umnxeba wakhe wesobunxele.
Ukunqunyulwa kunzulu kwaye kuphuma igazi. Ngokukhawuleza uqhuba uBenny kwisibhedlele esiseduze ukuze uphendule i-tetanus kunye neentambo ezininzi.
Kulo suku lulandelayo kwaye uBenny ubuyele emsebenzini. Ukhululekile ukuba ukulimala kwakhe kumncinci kwaye ukuba indleko yonyango lwakhe (i-R700 700) liphantsi. Ulungiselela ukunika uBenny iifom kufuneka azifake ibango leenzuzo zempindiselo zabasebenzi .
Sekunjalo, unganqikazi. Umgaqo-nkqubo wokuhlawulela abasebenzi ulawulwa ngamava . Usuvele wenze amabango amabini amancinci kwiminyaka emibini edlulileyo. Ibango lesithathu liya kubangela ukuba uguqulele amava akho (kunye ne-premium yakho) ukunyuka. Uyazibuza ukuba unokunciphisa iindleko zokuhlawulela zabasebenzi ngokuhlawula i-$ 700 njengendleko yoshishino kunokufakela ibango likaBenny.
Iiplani zezifundo ezizifumanayo zibeka isohlwayo esiphezulu kwisibalo samabango kunokubandezeleka kwebango. Oko kukuthi, ifomula esetyenzisiweyo yokubala amava okuguqula amava afaka ubunzima obuthe xaxa ekuqokeleleni ilahleko ezincinci kunokuba enye inkulu.
Sekunjalo, amava akho alungiselelo akufanele abe yinkxalabo yakho kuphela malunga neentlawulo eziphuma ngaphandle kweendleko zonyango zabasebenzi. Nazi ezinye izinto omele uziqwalasele.
- Izibango zonyango kuphela zingaxhomekeke kwi-Adjustment Rating Rating.
- Umthetho wesizwe unokuthintela ukuhlawula iindleko ngaphandle kwepokothini.
- Unokuhlawula iimali eziphezulu kunyango lwezokwelapha kunokuba wakho umshwalense.
- Ibango lingahlawulwanga phantsi komthetho weembuyekezo zabasebenzi baseburhulumenteni.
- Ukulimala kancinci kungaba nzima.
- Unemiqathango yokunika ingxelo phantsi komthetho we-federal ukuba abasebenzi abalimalayo bafanelekile kwi-Medicare.
- Iindleko zakho ezingaphandle kweendleko zingadlulela nayiphi na imali yokubeka imali kwi-premium.
Ukunciphisa amaBango aMayeza kuphela
Kwimeko ekhankanywe ngentla, ukulimala kukaBenny kuye kwabangela iindleko zonyango kuphela. Kwiindawo ezininzi, izibango zonyango kuphela zixhomekeke kwi-Adjust Adjustment Rating (ERA). Ukuba i-ERA isebenza kwimeko yakho, kuphela i-30% yezibango zonyango kuphela ezisetyenzisiweyo ekubaleni kwimeko yokuguqula amava. Kwimzekelo yangaphambili, iindleko zonyango ze-$ 700 zeBenny ziya kuncitshiswa ngama-70%. Ngaloo ndlela, i-$ 210 kuphela iya kufakwa kwi-modifier yakho yamava.
Imithetho Yombuso Inokuthi iVimbele iintlawulo ze-Pocket Out-of-Out
Ezinye iivumela abaqeshi ukuba bahlawule iindleko zonyango ezincinane njengendleko engaphandle kwefowuni kunokuba bafake isicelo sokuhlawulwa kwabasebenzi. Ezinye iindawo ziyakwenzela lo mkhuba. Sekunjalo, ezinye iindawo zivumela ukuhlawulwa kweendleko zonyango kuphela ukuba umqeshi ungumqeqeshi wokuzimela . Musa ukuhlawula nayiphi na iindleko zonyango ezinxulumene neziyobisi ngaphandle kokuba uqonde ngokucacileyo indlela imithetho esebenza ngayo kwimeko yakho.
Ukungavumeleki kwimeko yokuhlawula iindleko zonyango ngaphandle kwesikhwama akusebenzi kwiziko lokuqala. Izindleko ezenzelwe uncedo lokuqala (iqhwa, amabhinji, ukuthuthwa kwintsimbi njl njl njl) zihlawulwa ngabaqeshi. Yintoni eyenza "uncedo lokuqala" luhluka ukusuka kummandla ukuya kwilizwe. Ukuba awuqinisekanga ukuba eli gama lithetha ntoni kwimeko yakho, qhagamshelana ne- insurer yakho yembuyekezo.
Iimali eziPhakamileyo
Uninzi luyalela ukuba kusebenziswe iishedyuli zeembuyekezo zeemisebenzi zabasebenzi, okunciphisa inani lababoneleli bahlawulwa unyango. Ukongezelela, ezinye zithi zivumela abasebenzi abanomvuzo wokuhlawulela abasebenzi ukuba baxoxisane nababoneleli ukuseka izicwangciso zokunyamekela.
Ngenxa yamalungiselelo, i- insurer yakho inokuhlawula kakhulu unyango kunyango (umqeshi). Abaqeshi bahlawuliswa ngokuqhelekileyo "amaxabiso aqhelekileyo kunye nesiko", kungekho amaxabiso ahlawulelwayo ahlawulwe kubanini-mshwalense.
Ukulimala okungabikho
Olunye ukulimala olwenziwa ngabaqeshwa aluhlawulwanga phantsi kwemithetho yeembuyekezo zomsebenzi. Imizekelo isifo sengqondo (ngokungabikho kokulimala ngokomzimba), ukulimala okubangelwa ngabaxhasi, kunye nokulimala kwabasebenzi xa beya emsebenzini.
Ukulimala Okuncinci Kwangathi Ibe Yiindleko
Ukulimala kwamancinci kunokugqithisa ixesha. Umzekelo, umnxeba kaBenny unqatshelwe. Ukuba usulelo luba lukhulu uBenny angadinga ukulaliswa esibhedlele kunye nolunye unyango olubi. Abatshutshisi bayazi ukuthintela amabango amancinci avela kwi-ballooning zibe ezinkulu. Uninzi lwabaqeshi banalo lwazi.
Iimfuno zeMedare
I-Medicare ayiqhelekanga iindleko zonyango ezivela kwingozi ephathelene nomsebenzi. Iindleko ezinjalo kufuneka zifunyenwe yi-inshurensi yembuyekezo yonyununu Ukuqinisekisa ukuba i-Medicare ayizange ikhokhelwe iindleko zonyango ezenzelwe ngabaxhamli bamayeza abalimalayo, urhulumente wesigqeba ufuna i-insurers ukuba ifake iirekhodi zexesha kunye neeCandelo ze-Medicare & Medicaid Services. Olu xanduva lusebenza kubaqeshi abahlawula iindleko zezonyango zabasebenzi ezilimalayo ngaphandle kwepokothini.
Iindleko zingaphumelela ukugcina imali kwiiNyanga
Ukuba uhlawula iindleko zonyango owenzakeleyo kwipokothwa endaweni yokufakela ibango, ngaba uya kusindisa imali kwiindleko zokuhlawula abasebenzi? Kwiimeko ezininzi, impendulo ayikho. Ukuba ufaka ibango lonyango kuphela kunye ne-insurer yakho, ukulahlekelwa ekugqibeleni kufakwe ekubaleni kwamava akho okuguqula.
Nangona i-modifier yakho iphakanyisiwe, ukwanda kwe-premium eziphumo kuya kuba ziphantsi kwexabiso lebango. Okokuthi, i-claim ye-700 kuphela yezokwelapha ayinakwenzeka ukuba i-premium yakho iphakame ngama-700. Oku kuyinyani ngokukodwa ukuba i-Adjust Rating Rating isetyenziswa kwimeko yakho.