Uyini umehluko?
I-TRICARE ibe yinzuzo enkulu kumindeni eminingi futhi igcine izindleko zabo zezokwelapha ngaphakathi kwesabelomali.
Kodwa bewazi ukuthi unayo ongakhetha ngaphakathi kwe-TRICARE engafanele izidingo zomndeni wakho kangcono?
I-TRICARE I-Prime and TRICARE Standard inikeza izindlela ezimbili ezihlukene zokunakekelwa kwezempilo. Kukhona izinzuzo nokuziqhenya kokubili okukhethwa kukho, futhi sizokunika isithuthuthu ukuze sikusize wenze ukhetho olungcono lomndeni wakho.
I-TRICARE inhloko
Amalungu ezisebenzi zempi ezisebenza ngokugcwele nabancike kuzo zibhaliswe ngokuzenzekelayo ku-TRICARE Prime. Noma kunjalo, unayo inketho yokushintshela ku-Prime noma Extra.
Nge-TRICARE Prime, awudingi ukukhokha ikhodi yokukhokha (ngaphandle kwemali ephaketheni) ngaphandle kokuthi usebenzisa inketho ye-point-of-service.
Uma ufuna ukusebenzisa lokhu okukhethwa kukho ngaphandle kwe-pocket nge-TRICARE Prime, kuzodingeka ukhethe ohlwini lwabahlinzeki abavunyelwe noma abaqokiwe. (Kufana nenqubomgomo ye-HMO yomphakathi, lapho ungabona khona kuphela abahlinzeki "abasenkundleni.") Uma uhlala eduze noma eduze, ngokuvamile lokhu kusho isikhungo sezokwelapha zasendaweni.
Ngokusobala, izinketho zakho zilinganiselwe ngalolu hlelo-ikakhulukazi uma wena noma ilungu lomndeni unesidingo esikhethekile sezokwelapha.
Ukuze usebenzise okukhethwa kukho okungekho-copay ngaphansi kweNdunankulu, uzodinga ukudluliselwa okusemthethweni kumhlinzeki okhethwayo. Ngakho-ke, uzoba neminye imisebenzi futhi usebenze ku-Prime, kodwa ukugcinwa kungase kuwufanele kakhulu emndenini wakho.
Kumele uzilungiselele ukubambezeleka ekunakekeleni ngenkathi ulinde ukuhanjiswa.
Uma udinga ngokushesha, ukunakekelwa okuphuthumayo, kuzodingeka uchithe imizuzwana embalwa ucabanga ngezinketho zakho ngaphambi kokuphuma emnyango. Isibonelo, i-TRICARE ihlukanisa ukunakekelwa "okuphuthumayo" nokuthi "okuphuthumayo", futhi izidingo zokuhlanganisa zihlukile ngaphansi kwepulani. Ukuvakashela ekamelweni eliphuthumayo ukukhathazeka okusongela impilo kuphela kuvumela ikholi yokuthumela umcimbi ohlelweni lwakho lwenkontileka. Ngaphandle kwalokho, ukuvakashelwa okuphuthumayo kokungabikho kokuphila kodwa okuyinkimbinkimbi enkulu (njengezinyathelo eziphukile) kudinga ukudluliselwa.
I-TRICARE Standard
I-TRICARE Standard ikunika izinketho eziningi nokuguquguquka ekukhethweni kwabahlinzeki, kodwa kuhlanganisa nezindleko ezengeziwe ezingaphandle kwezindleko. Unenketho yokusebenzisa umhlinzeki wenethiwekhi noma umhlinzeki wangaphandle wenethiwekhi, futhi ngeke udinga ukuthunyelwa. Kodwa-ke, usengadinga ukugunyazwa kwezinsizakalo ezithile, njengoba nje ungathanda nazo eziningi izinhlelo zomshuwalense.
I-TRICARE I-Standard ingaba mkhulu uma uhlala noma usondelene nesisekelo kodwa ungafuni ukusebenzisa izikhungo zezokwelapha zendawo, noma othile emndenini wakho unesidingo esikhethekile. I-TRICARE Ikhefu elijwayelekile lokuphuma ngaphandle kwenethiwekhi lingaphinde lenzeke uma uhlala emakhilomitha angaba ngu-30 ukusuka esikhungweni sezokwelapha futhi ungafuni ukushayela amabanga amade ukuthatha izingane zakho kudokotela.
Uzokhokha i-deductible yonyaka ku-TRICARE Standard. Kodwa-ke, amazinga asengabizi kakhulu uma kuqhathaniswa nezinketho zomphakathi zomshuwalense. Isibonelo, ukuze uthole i-E4 nangaphansi futhi emsebenzini osebenzayo noma ku-Guard / Reserve, imali yakho ingadola imali engama-$ 50 ngomuntu ngamunye (kodwa akukho ngaphezu kwama-dollar ayi-100 kuwo wonke umndeni). I-E5 nangaphezulu ingalindela ama-dollar angu-150 ngabanye (kodwa angabi ngaphezu kuka-$ 300 kumndeni wonke).
Uzobe unesibopho sephesenti noma isabelo samasevisi athile. Izinsizakalo eziningi zokuvimbela azidingi imali engaphandle kwe-pocket, noma kunjalo, ungalindela ukuthi uzoba nomthwalo wemali kusuka ku-$ 25 ukuya ku-20% wenkokhelo yesevisi kwezinye izidingo.
Ukwenza Okulungile Emndenini Wakho
Zombili izinhlelo zinikeza izinketho ezinkulu kwabasebenzi abasebenza empini kanye nemindeni yabo. Hlela izinto ezibalulekile zokunakekelwa kwezempilo, futhi ucabangele izidingo zakho zesikhathi eside ukusiza ukuqondisa ucwaningo lwakho.
Njenganoma isiphi esinye isinqumo mayelana nokunakekelwa kwezokwelapha, qiniseka ukuthi uxhumana ngqo nomhlinzeki wakho womshuwalense ukuthola ulwazi oluphezulu kakhulu.