Feem Pua Coinsurance Percentage Yog Dab Tsi?
Feem Pua Coinsurance Percentage Yog Dab Tsi?

Video: Feem Pua Coinsurance Percentage Yog Dab Tsi?

Video: Feem Pua Coinsurance Percentage Yog Dab Tsi?
Video: Co-Insurance Calculation 2024, Kaum ib hlis
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Rau ob peb lub lis piam dhau los, peb tau saib rau ob peb nqe lus uas koj xav tau kom paub txog thiab ib feem lawv ua si hauv kev txiav txim seb koj tau txais nyiaj rov qab ntau npaum li cas los ntawm lub tuam txhab pov hwm kev nyab xeeb.

Ua ntej, peb tau saib lub neej tag nrho, txhua xyoo, thiab ib qho xwm txheej tshwm sim qhov siab. Lub lim tiam dhau los no, peb tau saib txhua xyoo vs. qhov kev txiav tawm ntawm cov nyiaj rho tawm. Lub lim tiam no, peb yuav saib qhov feem pua ntawm npib nyiaj pab them nqi.

Kuv pom tau hais tias kuv tau sau ntawv tshaj tawm no tias qhov kuv ib txwm hu ua "them nyiaj", raws li nws hais txog kev pov hwm cov tsiaj, tam sim no feem ntau hu ua "coinurance."

Hauv txoj cai pov hwm kev noj qab haus huv tib neeg cov nyiaj them tus nqi them tus nqi tshaj uas koj yuav tau them (xws li, $ 20 rau kev mus ntsib kws kho mob lossis $ 100 rau chav kho mob ceev). Siv cov ntsiab lus no, cov kev cai tuav pov hwm tsiaj tsis muaj kev sib koom ua ke zoo ib yam li kev tuav pov hwm kev noj qab haus huv tib neeg cov cai. Yog li, yav tom ntej, Kuv yuav sim siv lub sijhawm co-insurance.

Vam cia siab tias, koj tsis meej pem tamsim no!

Coinsurance yog qhov feem pua ntawm tag nrho cov nqi tom qab txiav tawm tias tus tswv tsiaj yog lub luag haujlwm. Qhov no feem ntau yuav yog li ntawm 0-40 feem pua. Yog tias lub tuam txhab pov hwm kev lag luam tshaj tawm tias lawv them 80 feem pua ntawm cov nqi tom qab txiav tawm, nws txhais tau tias cov ntawv them nyiaj, los yog tus nqi koj them, yog 20 feem pua ntawm daim nqi. Qee cov tuam txhab yuav rho cov nyiaj them ua ntej ua ntej rho tawm qhov nqi them.

Daim ntawv ceeb toom qhov sib txawv feem pua ntawm cov neeg them feem pua tuaj yeem ua rau ntau npaum li cas koj yuav tsum tau them tawm ntawm hnab tshos.

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Raws li koj tuaj yeem pom hauv daim duab qhia saum toj no, feem pua ntawm cov neeg them nqi yog qee yam uas koj xav tau kom qis qis, vim nws txawv nyob ntawm seb qhov loj me ntawm cov ntawv thov. Nyob rau hauv kev sib piv, qhov yus them tawm yog tus nqi, tus nqi paub tsis hais tus nqi kawg. Raws li nrog qhov kev txiav tawm, qhov qis dua ntawm daim ntawv cog lus, tus nqi yuav nyob siab dua.

Kuv tau mus rau lub vev xaib ntawm ob lub tuam txhab uas tso cai rau koj xaiv koj tus kheej txoj kev txiav tawm thiab cov nyiaj tau txais txiaj ntsig thiab tau txais nqe lus. Kuv tau kawm tias qhov txiav tawm tau cuam tshuam loj tshaj qhov nqi tshaj qhov puas tsawg feem pua them nqi. Kuv tau yooj yim pom qhov kev cuam tshuam uas txhua qhov tuaj yeem txiav tawm thiab kev sib xyaw ua ke tau muaj ntawm tus nqi thaum tau txais cov lus hais xwb. Yog li, yog tias koj xav tau tus nqi tsawg dua, nws yog ib qho zoo dua los xaiv qhov yuav tsum tau them ntau dua (tshwj xeeb yog tias nws yog qhov yuav tsum tau them txhua xyoo) thiab cov nqi them tsawg dua.

Rau peb lub lis piam dhau los no, peb tau saib qhov siab tshaj plaws txhua xyoo thiab qhov xwm txheej, qhov kev txiav tawm txhua xyoo thiab ib qho xwm txheej, thiab cov feem pua them nqi feem pua ntawm kev rho tawm thiab lawv cuam tshuam rau koj cov kev siv nyiaj txiag. Txawm li cas los xij, koj kuj yuav tsum suav nrog tus nqi hauv qhov sib xyaw kom tau txais kev xam tseeb ntawm koj cov kev siv nyiaj sab nrauv tag nrho.

Hauv kev tshaj tawm yav tom ntej, Kuv yuav qhia koj seb yuav ntsuas lub tuam txhab cov cai li cas kom txiav txim siab seb qhov twg yog qhov zoo tshaj plaws thaum muab tag nrho cov nqi no rau hauv tus account - suav nrog tus nqi. Qee zaum cov txiaj ntsig yuav ua rau koj xav tsis thoob.

Raws li koj tuaj yeem pom hauv daim duab qhia saum toj no, feem pua ntawm cov neeg them nqi yog qee yam uas koj xav tau kom qis qis, vim nws txawv nyob ntawm seb qhov loj me ntawm cov ntawv thov. Nyob rau hauv kev sib piv, qhov yus them tawm yog tus nqi, tus nqi paub tsis hais tus nqi kawg. Raws li nrog qhov kev txiav tawm, qhov qis dua ntawm daim ntawv cog lus, tus nqi yuav nyob siab dua.

Kuv tau mus rau lub vev xaib ntawm ob lub tuam txhab uas tso cai rau koj xaiv koj tus kheej txoj kev txiav tawm thiab cov nyiaj tau txais txiaj ntsig thiab tau txais nqe lus. Kuv tau kawm tias qhov txiav tawm tau cuam tshuam loj tshaj qhov nqi tshaj qhov puas tsawg feem pua them nqi. Kuv tau yooj yim pom qhov kev cuam tshuam uas txhua qhov tuaj yeem txiav tawm thiab kev sib xyaw ua ke tau muaj ntawm tus nqi thaum tau txais cov lus hais xwb. Yog li, yog tias koj xav tau tus nqi tsawg dua, nws yog ib qho zoo dua los xaiv qhov yuav tsum tau them ntau dua (tshwj xeeb yog tias nws yog qhov yuav tsum tau them txhua xyoo) thiab cov nqi them tsawg dua.

Rau peb lub lis piam dhau los no, peb tau saib qhov siab tshaj plaws txhua xyoo thiab qhov xwm txheej, qhov kev txiav tawm txhua xyoo thiab ib qho xwm txheej, thiab cov feem pua them nqi feem pua ntawm kev rho tawm thiab lawv cuam tshuam rau koj cov kev siv nyiaj txiag. Txawm li cas los xij, koj kuj yuav tsum suav nrog tus nqi hauv qhov sib xyaw kom tau txais kev xam tseeb ntawm koj cov kev siv nyiaj sab nrauv tag nrho.

Hauv kev tshaj tawm yav tom ntej, Kuv yuav qhia koj seb yuav ntsuas lub tuam txhab cov cai li cas kom txiav txim siab seb qhov twg yog qhov zoo tshaj plaws thaum muab tag nrho cov nqi no rau hauv tus account - suav nrog tus nqi. Qee zaum cov txiaj ntsig yuav ua rau koj xav tsis thoob.

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Dr. Doug Kenney

Dr. Doug Kenney

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