Tus nqi them yog tus nqi uas koj them rau cov tshuaj, mus ntsib kws kho mob, thiab lwm yam kev kho mob. Coinsurance yog feem pua ntawm cov nqi koj them tom qab koj tau ntsib koj qhov kev txiav tawm. Qhov kev txiav tawm yog tus nqi koj them rau cov kev pabcuam khomob thiab cov tshuaj noj uantej koj cov nyiaj npib pib pib.
Koj puas them tus nqi them thiab nyiaj npib?
Thaum koj mus ntsib kws kho mob lossis tsev kho mob, koj them tag nrho cov nqi rau cov kev pabcuam, lossis them nyiaj raws li tau teev tseg hauv koj txoj cai. … Qhov seem seem uas koj them yog hu ua coinsurance. Koj tseem yuav them cov nqi them los yog nyiaj npib kom txog thaum koj tau mus txog qhov siab tshaj plaws ntawm hnab ris rau koj txoj cai.
Puas yog qhov zoo dua kom them nyiaj lossis nyiaj npib?
Co-Pay yuav yog tus nqi tas li uas yuav luag tsis tshua kim dua li feem pua koj yuav them. Ib txoj kev npaj nrog Co-Pays zoo dua li kev npaj nrog Co-Insurances.
Puas npib nyiaj npib suav tom qab them nyiaj?
Tus feem pua ntawm cov nqi ntawm cov kev pabcuam kev noj qab haus huv uas koj them(20%, piv txwv) tom qab koj tau them koj qhov txiav tawm. Cia peb hais tias koj daim ntawv pov hwm kev noj qab haus huv tau tso cai rau qhov chaw ua haujlwm yog $ 100 thiab koj qhov nyiaj pov hwm yog 20%. Yog tias koj tau them koj qhov kev txiav tawm: Koj them 20% ntawm $ 100, lossis $ 20.
Koj puas tau them nyiaj npib ua ntej?
Tab sis koj'yuav them ua ntej thaum koj xav tau kev saib xyuas. Koj tuaj yeem nrhiav cov phiaj xwm uas them rau qee qhov kev pabcuamua ntej koj them koj cov nqi txiav tawm. Coinsurance: Feem ntau, qhov qis dua ntawm txoj kev npaj them txhua hli, qhov ntau koj yuav them nyiaj npib.
