Kampani ya Aetna

Malipiro a inshuwaransi yazaumoyo potengera zaka • Benzinga

Mukufuna kulumpha molunjika kumitengo ya inshuwaransi yazaumoyo? Fananizani apa ndikupeza ndalama zotsika mtengo kwambiri zokhala ndi chidziwitso chabwino kwambiri.

Mukudabwa kuti ndi zaka zingati zomwe mumalipira inshuwalansi ya umoyo? Yankho lake ndilakuti zaka za munthu ndizomwe zimatsimikizira makampani a inshuwaransi yazaumoyo. Izi ndi zomwe muyenera kudziwa za malamulo omwe makampani a inshuwaransi ayenera kutsatira ndi zomwe mungachite kuti musunge ndalama za inshuwaransi yanu.

Malipiro apakati potengera zaka

18 mpaka 24: $278

25 mpaka 34: $329

35 mpaka 44: $411

45 mpaka 54: $551

55 mpaka 64: $784

Kodi zaka zingakhudze bwanji malipiro anu a inshuwalansi ya umoyo?

Zaka ndi chimodzi mwazinthu zambiri zomwe zingakhudze malipiro anu a inshuwalansi ya umoyo. Ndilonso chinthu chokhazikika kwambiri. Lingaliro lambiri lamakampani a inshuwaransi ndikuti wachinyamata amakhala ndi ziwopsezo zochepa paumoyo kuposa munthu wamkulu. Pachifukwa ichi, makampani a inshuwaransi amakhala ndi mwayi wopereka ndalama zochepa kwa wachinyamata pomwe akulipiritsa okalamba kangapo.

Masiku ano, pali zoletsa zaka za inshuwaransi yazaumoyo. Malipiro operekedwa kwa mwana wazaka 21 ndiye maziko (omwe amatchedwanso kuchuluka kwa zolipirira). Makampani a inshuwalansi sangalipiritse munthu ndalama zowirikiza katatu kuposa ndalamazo. Mwachitsanzo, ngati mwana wazaka 21 ali ndi ndalama zokwana madola 150 za inshuwaransi, ndalama zambiri zomwe angalipire wazaka 64 ndi $450.

Anthu opitilira zaka 65 sangalipidwe kuposa mtengo woyambira katatu. Pakadali pano, anthu ambiri amakhala oyenerera ku Medicare pofika zaka 65, zomwe zimapangitsa kuti malipiro a inshuwaransi yazaumoyo akhale osafunikira. Komabe, aku America atha kusankhabe kulembetsa inshuwaransi yazaumoyo ngati angafune.

Kodi Malipiro a Medicaid Amasintha Ndi Zaka?

Ayi, malipiro a Medicaid sawonjezeka kapena kuchepa malinga ndi msinkhu wa munthu. Miyezo ya ndalama ndi chinthu chokhacho chomwe chimatsimikizira malipiro a Medicaid.

Federal life grading chart

Pamaso pa Affordable Care Act (ACA), makampani a inshuwaransi adatha kukhazikitsa malamulo awoawo pokhazikitsa ndalama zolipirira dongosolo lililonse logwirizana, zomwe zidapangitsa kuti olembetsa achikulire nthawi zina azilipira ndalama zokwana kasanu poyerekeza ndi anzawo achichepere.

Ndi ACA, malamulo akhazikitsidwa kuti achepetse ndalama zomwe a inshuwalansi angathe kulipira olembetsa malinga ndi zaka zawo. Lamulo lamakono la federal likunena kuti munthu wazaka 64 kapena kuposerapo sangathe kulipiritsidwa katatu kuposa mtengo woyambira. Mlingo woyambira ndi mtengo wapakati wazaka 21 zakubadwa.

Mayiko omwe ali ndi malamulo okhwima a zaka

Dziko lililonse liyenera kutsatira malamulo a federal pang’ono. Komabe, mayiko ena apanga zosiyana ndi lamulo la zaka za federal kuti achepetse kusiyana pakati pa achikulire ndi akuluakulu onse. Pali zabwino ndi zoyipa pa izi, chifukwa zikutanthauza kuti achichepere m’boma lino atha kulipira ndalama zambiri kuposa zomwe zili m’maiko ena, ndipo anthu achikulire amatha kulipira ndalama zochepa kuposa momwe amalipira m’maiko ena.

Mayiko omwe ali ndi malangizo awoawo okhudzana ndi malipiro a inshuwaransi yazaka zakubadwa ndi awa:

  • Alabama, Mississippi, ndi Oregon Lamulo la federal limagwira ntchito kwa anthu azaka zapakati pa 21 ndi kupitirira, koma anthu osapitirira zaka 21 amalipira inshuwalansi ya umoyo wa 63.5% ya mtengo woyambira.
  • Massachusetts Lili ndi malamulo osiyana kotheratu a mibadwo yonse. Anthu azaka zapakati pa 21-24 amalipira 118% ya ndalama zoyambira, pomwe anthu azaka 49 kapena kupitilira apo amakhala ndi zaka zochepa kuposa zomwe boma likuchita.
  • Minnesota Lamulo la Federal limagwira ntchito kwa anthu azaka 21 kapena kuposerapo. Omwe ali ndi inshuwaransi yazaumoyo osakwanitsa zaka 21 amalipira 89% ya mtengo woyambira.
  • New York ndi Vermont Makampani a inshuwaransi yazaumoyo salola zaka kuti zigwiritsidwe ntchito ngati chinthu chofunikira posankha ndalama za inshuwaransi yazaumoyo.
  • Utah Lamulo la Federal limagwira ntchito kwa anthu azaka 64 ndi kupitilira apo. Kumbali inayi, anthu azaka zapakati pa 27 mpaka 36 amalipira pafupifupi 140% yamtengo woyambira. Ana osakwana zaka 14 ali ndi ndalama zokhazikika zomwe zimakhala pafupifupi 79% ya ndalama zoyambira.
  • Washington DC Ma inshuwaransi azaumoyo okha ndi omwe amaloledwa kulipiritsa anthu 64 kapena kupitilira apo pamlingo woyambira.

Momwe mungasinthire ndalama zanu za inshuwaransi yazaumoyo

Simungasinthe zaka zanu, koma mutha kuchita zinthu zina kuti muthandizire kukonza inshuwaransi yanu yaumoyo. Kuti muchite izi, muyenera kudziwa zomwe zingakhudze ndalama zanu za inshuwaransi yazaumoyo. Ndikofunikiranso kudziwa njira zonse za inshuwaransi yazaumoyo.

#1: Ganizirani za dongosolo lamagulu: Mapulani amagulu amaperekedwa ndi olemba ntchito, mabungwe ndi mabungwe ena. Mapulani awa nthawi zambiri amakhala otsika mtengo kuposa mapulani a inshuwaransi yazaumoyo. Ngati mungalembetse dongosolo lamagulu kudzera mwa abwana anu, atha kuperekanso ndalama ku inshuwaransi yanu.

#2: Yang’anani kuti muwone ngati mukuyenerera kupindula ndi boma: Ngati mukugula dongosolo lanu, mutha kulandira chithandizo cha Advanced Premium Tax Credit. Izi zimachepetsa ndalama zomwe mumalipira pamwezi.

#3: Funsani za Medicaid: Dziko lirilonse limapereka Medicaid kuwonjezera pa Ndondomeko ya Inshuwalansi ya Zaumoyo ya Ana (CHIP). Zolinga izi zimapereka chithandizo cha inshuwaransi yaumoyo pamtengo wotsika kapena wopanda mwezi uliwonse kwa anthu omwe amalandila ndalama zochepa komanso mabanja. Dipatimenti ya Zaumoyo ya m’boma lanu ikhoza kukuthandizani kudziwa ngati ndinu oyenerera kulembetsa limodzi mwa mapulaniwa. Mutha kulembetsanso kudzera kumsika wa inshuwaransi yazaumoyo.

#4: Ganizirani za Dongosolo Lakanthawi kochepa: Mapulani a inshuwaransi yakanthawi kochepa amakhala otsika mtengo kuposa mapulani a inshuwaransi yazaumoyo. Pali zabwino ndi zoyipa pogula dongosolo lanthawi yochepa, koma zitha kukhala zosankha ngati simungakwanitse kugula inshuwaransi ina yaumoyo kapena ngati muphonya nthawi yanu yolembetsa pachaka. Zolinga zazifupi zimangopereka chithandizo kwa chaka chimodzi, kotero si njira yayitali. Malamulo a inshuwaransi yanthawi yayitali amasiyananso ndi mayiko. Mutha kuyembekezera kuti dongosolo lalifupi silingakwaniritse zomwe zinalipo kale. Sizingakhalenso ndi chithandizo chamankhwala amisala, mankhwala operekedwa ndi dokotala, chisamaliro cha amayi, ndi zina.

#5: Gulani Mapulani Ochotsera Kwambiri: Ngati muli ndi njira zingapo zomwe mungasankhe, mutha kusankha njira yochotsera. Mapulani apamwamba kwambiri amakhala ndi malipiro otsika kwambiri, kotero mudzakhala ndi ndalama zochepa pamwezi kuti mulipire inshuwalansi ya umoyo wanu. Komabe, mapulani okhala ndi deductible yapamwamba amatanthauzanso kuti mutha kuyembekezera kulipira zambiri m’thumba lanu la chisamaliro chaumoyo. Mutha kuyembekezera kulipira ndalama zambiri zochotsera ndalama zanu za inshuwaransi yaumoyo zisanayambe.

# 6. Ganizirani za Dongosolo Lowonjezera la Mankhwala: Kuphatikiza apo, mutha kulingalira za inshuwaransi yowonjezera. Mapulaniwa nthawi zambiri amapereka chithandizo chazikhalidwe zina zaumoyo, chisamaliro chovuta komanso ngozi pamtengo wotsika. Komanso nthawi zambiri samabwera ndi kuchotsera. Mapulani owonjezera angakhale njira yabwino yowonjezerera ku ndondomeko yotsika mtengo ngati mukukhudzidwa ndi ndalama zothandizira zaumoyo.

# 7. Yang’anani Ngati Mungapeze Akaunti Yosunga Zaumoyo: Maakaunti osungira thanzi (HSAs) ndi maakaunti osungira omwe mungagwiritse ntchito kulipirira ndalama zachipatala zomwe inshuwaransi yanu siyikulipirira. Ndalama zomwe mumayika mu HSA ndizokhometsedwa msonkho kapena zokhoma msonkho, zomwe zimakupatsani mwayi wopulumutsa pazaumoyo. Mapulani a HSA nthawi zambiri amaphatikizidwa ndi mapulani apamwamba ochotserako mtendere wamalingaliro.

# 8. Ngati muli ndi zaka 65 kapena kuposerapo, lembani Medicare: Medicare ndi inshuwaransi yazaumoyo yomwe anthu aku America ambiri azaka 65 ndi okulirapo ali oyenera kulandira. Nthawi zina, achinyamata angakhalenso oyenerera ngati ali olumala. Malipiro a inshuwaransi yazaumoyo nthawi zambiri amakhala otsika kwambiri kuposa mapulani a inshuwaransi yazaumoyo.

#9. Ngati simunakwanitse zaka 26, ganizirani kukhalabe pa dongosolo la inshuwaransi yaumoyo ya kholo lanu: Akuluakulu osakwanitsa zaka 26 ali oyenera kukhalabe pa dongosolo la inshuwaransi yazaumoyo ya makolo awo. Nthawi zambiri, kukhalabe pa dongosolo labanjali kungakuthandizeni kusunga inshuwaransi yazaumoyo.

Yerekezerani inshuwalansi ya umoyo

Ndi zosankha zambiri za inshuwaransi yazaumoyo kunja uko, zitha kukhala zovuta kuzikwaniritsa. Ichi ndichifukwa chake Benzinga akudzipereka kukupatsani malingaliro ndi chidziwitso chomwe chidzakulolani kupanga chisankho mwanzeru pankhani ya chisamaliro chanu chaumoyo.

# ya othandizira azaumoyo

700 zikwi +

Ndemanga ya mphindi imodzi

M’mbuyomu, mapulani a inshuwaransi ya Aetna anali kupezeka m’misika ya Affordable Care Act (ACA) m’dziko lonselo. Ngakhale kuti Aetna saperekanso mapulani ogwirizana ndi ACA, kampaniyo ikupitiriza kupanga chithandizo chaumoyo kukhala chotsika mtengo kwambiri kudzera mu chithandizo cha Medicare Advantage Part D ndi mapulani a inshuwalansi ya mano.

Zosankha za Aetna Medicare zimafikira kumadera ambiri a dzikolo, ndipo mapulani a Advantage amayambira pa $0 pamwezi. Gawo la D, lomwe limathandiza kulipira mankhwala, limayamba pafupifupi $ 7 pamwezi m’maiko ambiri. Kuphatikiza apo, Aetna imapereka inshuwaransi yamano komanso njira zochotsera mano zomwe aliyense amene alibe chithandizo cha mano kudzera mwa abwana awo angagwiritse ntchito mwayi. Kuphatikiza apo, Aetna imaperekanso maubwino angapo owonjezera omwe sanawonedwe ndi othandizira ena, kuphatikiza kuchotsera pamankhwala operekedwa ndi dokotala komanso mphotho zokwaniritsa zolinga zaumoyo.

Zabwino

  • Imakhala ndi mapulogalamu ambiri am’manja omwe amakupatsirani mphotho chifukwa chokwaniritsa zolinga zanu zolimbitsa thupi
  • Mapulani ochotsera mano angaphatikizepo chithandizo chamankhwala operekedwa ndi dotolo
  • Mapulani a Medicare Advantage amapezeka popanda magawo pamwezi
Zoipa

  • Inshuwaransi yamasomphenya imapezeka pokhapokha mutagulidwa ndi dongosolo la mano
  • Inshuwaransi yaumoyo yogwirizana ndi ACA sikupezekanso

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