Ngikhetha Kanjani Izinzuzo Zokuqashwa Zomsebenzi Womndeni Wami?

Izinyathelo Zokukhetha Izinzuzo Zempilo Zomndeni Ezingcono

Ngama-premiums ehlinzeka ngempilo ekukhuleni naseqenjini labaqashi bahlomula amapulani ahlinzeka kancane ngaphansi kokubheka kwangempela (emva kokukhishwa kwesikhwama sokudonswa kwempahla), abathengi abaningi baye bazithola behluleka ukukhetha izinzuzo ezifanele zokuhlangabezana nezidingo zomndeni. Ingabe kuwukuhlakanipha nje ukwamukela izinzuzo zeqembu ezinikezwa umqashi, noma ukhethe uhlelo olunikezwa ezimakethe ezivunyelwe nguhulumeni - ukusebenzisa inzuzo yentela kanye nezinsizakalo zikahulumeni?

Khona-ke, kunombuzo wokuthi ngabe umshuwalense wezempilo uzoba yini ngempela ukuhlinzeka ngezinsizakalo zomhlinzeki noma uma umndeni kuzodingeka ufune imvume ngaphambi kokuba kwenziwe inqubo yezempilo.

Izithiyo Zokukhetha Izinzuzo Ezifanele Imindeni

Umthetho we-Care Affordable Act (ACA) kwakufanele ukusiza imindeni ukuthola umshuwalense wezempilo ophansi kanye nokuhlinzekwa kahle kwempilo, ngenkathi isekela ukusetshenziswa kwezempilo isikhathi eside. Ngeshwa, imindeni eminingi iye yabhekana nama-premium ayengabizi kakhulu, kanye nezindleko eziningi uma uzama ukuthola izinsizakalo zokunakekelwa kwempilo ezingabizi.

Ngaphezu kwalokhu, izikweletu zezokwelapha ezishayisayo zivamile ngoba abathengi bakuthola kunzima ukuqonda izinhlelo ezintsha. Inhlolovo ye-Kaiser Family Foundation ibonise ukuthi, "cishe abantu abayisishiyagalolunye kwabayishumi abanezinkampani zezokwelashwa ezingekho ngaphansi kwenethiwekhi abangazi kahle ukuthi abahlinzeki bezempilo babengekho kwinethiwekhi yabo ngesikhathi behola ukunakekelwa."

Kuyavunywa, lezi zindaba zenziwa njengoba izinguquko zokunakekelwa kwezempilo zishintsha isimo sezinzuzo. Ukukhuluma nomlawuli wakho we-HR ukuxazulula izinkinga ezinjengalezi, futhi ukusebenza eduze nezinzuzo zokuxhumana kungasiza.

Imihlahlandlela Yokukhetha Izinzuzo Zomndeni Okungcono

Uma wenza isinqumo sokuthenga izinzuzo zomndeni, kuneziqondiso ezimbalwa ezilula okufanele uzilandele.

Kubalulekile ukubeka eceleni isikhathi esithile nomlingani wakho noma umlingani wakho wasekhaya ukuze ufeze lo mgomo.

1. Nquma ukuthi izidingo zempilo ezicindezelayo noma imigomo zidinga ukunakekelwa kulo nyaka. Ngaphambi kokubhalisa okuvulekile, umndeni wakho kufanele ube nomqondo omuhle wezinye zezempilo ezidinga ukunakwa kulo nyaka. Ngisho noma lokhu kugxila nje ekunakekelweni kokuvimbela, kuzomele kube nemigomo yempilo exoxwe ngayo. Izinto ezifana nokukhulelwa, izifo ezikhona ngaphambili, nokuningi zidinga ukunakwa okwengeziwe.
2. Buyekeza futhi uqhathanise yonke imibhalo ye-EOB yepulani ngokucophelela. Ungase uthole ithoni yolwazi oluzoqhubeka, kodwa indawo engcono kakhulu yokuqala ukuqoqa yonke incazelo yezinhlelo zemibhalo yokuhlomula ebeka ulwazi lwenzuzo kuhlelo ngalunye. Thola lokhu kuzo zombili zomsebenzi womshado. Bese uhamba nabo ukuze unqume ama-premiums plan, ama-deductibles, nokuphuma kwezindleko zokuvakasha kwamahhovisi, ukuvakashelwa kwe-ER, nemigomo.
3. Hamba ngenqubo yokubuza mayelana nezinzuzo zezimakethe zombuso. Manje, hamba phambili kwiwebhusayithi yokulungisa impilo yezempilo bese uthola indawo yakho yemakethe yezempilo. Ngena ngemvume bese uqala ukufaka imibandela yomndeni wakho, kufaka phakathi imali engenayo yonyaka, nawo wonke amalungu omndeni ekhaya wakho. Uzophetha uthole ama-quotes amaningana, futhi ungabuyekeza la ma-EOB eceleni kwalokho okukhona kakade.

1. Khetha izinhlelo zokunakekelwa kwezempilo ezinikeza ukuhlinzeka okuncane okudingekayo, kumazinga aphezulu. Hamba nehlelo lokunakekelwa kwezempilo elikunikeza imali engcono kakhulu yokubheka amaphesenti akho kumanethiwekhi wakho, imali encane yezindleko zephaketheni kanye nokudonswa, kanye nemiphumela engcono kakhulu yomndeni wakho. Amanye amapulani anganikezela imali efanayo, kepha i-premium yenyanga izohluka. Uma unikezwa uxhasomali lukahulumeni, ungathola uhlelo olulinganayo noma olungcono kunalokho okushiwo indawo yakho yokusebenza ngezindleko ezincane kuwe.
2. Bhalisela inkampani ye-Health Savings Arrangement ekuqaleni. Uma usukhethile uhlelo lokunakekelwa kwempilo olufanele lomndeni wakho, uma luhlelo lokunakekelwa kwempilo oludutshulwa phezulu, bese ubhalisela inkampani exhaswe ngokuhlelwa kweMpilo yokuPhathwa kweMpilo. Uzogcina imali ngokuthenga noma yiziphi izinkomba futhi ukhokhele izindleko ezingavunyelwanga usebenzisa ama-pre-tax dollars.