Nkag siab txog koj cov nqi kho mob

Txhua txoj kev npaj fajseeb khomob suav nrog cov nqi uas yus rho nyiaj. Cov no yog cov nqi uas koj yuav tsum them rau koj kev saib xyuas, xws li cov nqi them thiab cov nqi txo. Lub tuam txhab kev pov hwm them tus nqi seem. Koj yuav tsum tau them qee tus nqi sab nraud ntawm lub hnab nyiaj thaum lub sijhawm koj tuaj ntsib. Lwm tus yuav sau nqi rau koj tom qab koj mus ntsib.

Kev siv nyiaj ntawm hnab tshos pub rau cov phiaj xwm kev noj qab haus huv muab cov nqi kho mob rau koj. Lawv tseem tuaj yeem pab qhia koj kom txiav txim siab tau zoo txog qhov twg thiab qhov twg yuav tsum tau saib xyuas.

Thaum koj xaiv txoj kev npaj khomob, koj yuav tsum nkag siab tias koj tus nqi sab nraud ntawm hnab tshos yuav yog dabtsi. Txoj kev no, koj tuaj yeem npaj ua ntej rau dab tsi koj yuav xav tau siv nyob rau hauv lub xyoo. Koj kuj tuaj yeem tshawb nrhiav cov hauv kev kom txuag tau nyiaj ntawm cov nqi hauv hnab tshos.

Qhov xov xwm zoo yog qhov txwv rau ntau npaum li cas koj yuav tsum tau them tawm ntawm hnab tshos. Koj lub phiaj xwm muaj qhov "tshaj tawm ntawm hnab ris ntau." Thaum koj tau txais qhov nyiaj ntawd, koj yuav tsis tau them dab tsi ntxiv hauv cov hnab ris hauv lub xyoo rau xyoo.

Koj tseem yuav tau them tus nqi them txhua hli, tsis hais qhov kev pab cuam twg siv.

Txhua txoj kev npaj sib txawv. Cov phiaj xwm yuav suav nrog tag nrho lossis tsuas yog qee yam ntawm cov hauv kev no los qhia tus nqi nrog koj:

• Cov nqi them. Nov yog cov nyiaj koj them rau qee lub tsev kho mob / kws kho mob yuav mus ntsib thiab nqa tshuaj. Nws yog tus nqi txheej, zoo li $ 15. Koj txoj kev npaj khomob kuj tseem yuav suav ntau qhov nqi them sib ntxiv (nyiaj nrog them) rau cov tshuaj uas zoo nrog thiab cov tshuaj uas tsis ntau dua. Qhov no tuaj yeem siv txij li ntawm $ 10 txog $ 60 lossis ntau dua.
• Txiav txim siab tau. Nov yog tus nqi koj yuav tsum them rau cov kev kho mob ua ntej koj daim ntawv pov hwm kev noj qab haus huv yuav pib them. Piv txwv li, tej zaum koj yuav muaj ib qho phiaj xwm nrog $ 1,250 uas them tawm tau. Koj yuav tsum tau them $ 1,250 nyiaj hauv hnab tshos thaum lub xyoo phiaj xwm ua ntej koj lub tuam txhab pov hwm yuav pib them nyiaj.
• Tuam Kho Mob. Nov yog feem pua ​​uas koj them rau txhua zaus koj tuaj ntsib lossis kev pabcuam. Piv txwv, 80/20 cov phiaj xwm muaj ntau. Txog ntawm 80/20 txoj kev npaj, koj them 20% tus nqi rau txhua qhov kev pabcuam koj tau txais. Cov phiaj xwm them tus nqi seem 80% ntawm tus nqi. Coinsurance tuaj yeem pib tom qab koj them koj cov nqi them ua ntej. Nco ntsoov tias koj txoj kev npaj yuav muaj kev txwv ntau rau txhua tus nqi pabcuam. Qee zaum cov chaw muab kev pabcuam tsub tus nqi ntau dua, thiab koj yuav tsum tau them tus nqi ntxiv nrog rau koj li 20%.
• Qhov tawm ntawm hnab ris ntau. Qhov no yog qhov ntau tshaj plaws ntawm kev sib koom them, txiav tawm, thiab nyiaj npib koj yuav tau them nyob rau hauv lub hom phiaj xyoo. Thaum koj ncav cuag koj cov nyiaj tau los ntau tshaj, txoj kev npaj them 100%. Koj yuav tsis tau them nqi li cas, kev them tus nqi txo, lossis lwmyam nqi them nqi kho mob.

Feem ntau, koj tsis them dab tsi rau kev pabcuam tiv thaiv. Cov no suav nrog kev txhaj tshuaj, kev mus ntsib ib xyoos ib zaug, txhaj tshuaj khaub thuas, thiab kev kuaj mob.

Koj yuav tsum tau them qee yam ntawm kev them nqi hnab tshos rau:

• Pab saib xyuas xwm txheej kub
• Tshuaj mob hauv tsev
• Cov kws kho mob mus kuaj mob lossis raug mob, xws li mob pob ntseg lossis mob hauv caug
• Kev saib xyuas tshwj xeeb
• Kev thaij duab los yog kuaj mob, xws li xoo hluav taws xob lossis MRIs
• Kho kom zoo, kho kev siv dag zog lossis siv dag zog, lossis kev saib xyuas mob chiropractic
• Mob hlwb, kho tus cwj pwm, lossis kev saib xyuas cov neeg quav tshuaj yeeb dej caw
• Tsev kho mob, kev huv hauv tsev, kev tu neeg laus, lossis khoom siv kho mob ruaj khov
• Daim ntawv yuav tshuaj
• Kho hniav thiab kho qhov muag (yog hais tias muaj los ntawm koj txoj kev npaj)

Xaiv hom phiaj qauv kev nyab xeeb raws li koj qhov chaw nyob, kev noj qab haus huv, thiab lwm yam kev nyiam. Nrhiav kom paub koj cov txiaj ntsig, xws li qhov lawv cuam tshuam nrog kev mus ntsib chav xwm txheej ceev thiab cov chaw muab kev pabcuam.

Xaiv cov thawj kws kho mob uas pab qhia koj kom tsuas yog cov kev sim thiab cov txheej txheem koj xav tau. Kuj nug txog cov tsev kho mob thiab tus nqi qis dua.

To taub cov nqi kho mob koj tuaj yeem pab koj txuag nyiaj thaum tswj hwm kev tu koj.

Healthcare.gov lub vev xaib. To taub cov ntawv kho mob cov nqi ua rau kev txiav txim siab zoo. www.healthcare.gov/blog/understanding- health-care-costs/. Hloov kho thaum Lub Xya Hli 28, 2016. Nkag mus Lub Kaum Ib Hlis 1, 2020.

HealthCare.gov lub vev xaib. To taub txog koj cov kev pab them nqi kho mob. www.healthcare.gov/blog/understanding-yuav-hiaj-poj-neeg. Hloov kho Cuaj hlis 2020. Nkag mus rau Lub Kaum Ib Hlis 1, 2020.

HealthCare.gov lub vev xaib. Koj tag nrho tus nqi rau kev saib xyuas kev noj qab haus huv: cov nqi them, txiav tawm & cov nqi ntawm hnab tshos. www.healthcare.gov/choose-a-plan/your-total-costs. Nkag mus rau Lub Kaum Ib Hlis 1, 2020.

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