Liza Wang – 愛你一生不夠多

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Union Your Health Insurance Costs
You're deciding which insurance plan to purchase, and desire to know, how much is it going to cost. Well, it's not hence simple. Sometimes, you pay keep toward your health care. Sometimes, the insurance company pays money. But when? To figure it all out, there are three main ideas you craving to know. Premiums, deductibles, and out-of-pocket maximum. It may unquestionable complicated, but stay in the same way as us. It's not as hard to understand as you think. First, premiums. Think of your insurance as a monthly membership. every month, you pay the similar amount in order to be a member. That amount is your premium. gone your premium, say, $200 a month, you get some preventive care for free. This includes care afterward vaccines and screening for diabetes, cholesterol, and breast cancer. his care is covered by your premium. But what if you habit more than just preventive care? If you compulsion a health utility beyond preventive care illnesses, a broken leg, emergency room visits-- you usually obsession to pay extra.
How much? Well, that changes over time. There are three main stages. First, you pay. Then, your insurance pays some, and you pay some. And finally, your insurance pays everything. in view of that how does this work? In the first stage, at the dawn of the year, you pay for most of your health care until you attain your deductible. recall that word? Deductible. A deductible is the amount of keep you have to pay for your care past the insurance company will allowance the costs. consequently let's tell your deductible is $500. That means, just about all period you acquire health services, you will pay for every those services, until you've paid a total of $500. It's subsequent to you're filling happening a bucket. bearing in mind you build up tolerable to that pail hence that you pay your mass deductible, after that everything changes. Then, you enter into the second stage. Now, all epoch you get health services, your insurance company will allowance the cost of those services. How much? That depends upon your plan. Usually, you pay share of the cost-- fees called co-pays, or coinsurance-- and your insurance pays the rest. But the second stage doesn't go upon forever. If you accomplish a distinct amount, you won't have to pay for any services. recall that bucket? every mature you occupy it taking into account co-pays and coinsurance, your insurance company is keeping track. If you fill that bucket stirring to the top, all changes again. You enter stage three. From this lessening on, your insurance company pays all for the burning of the year. hat's right. all dollar of your health services paid by your insurance company.
So what's at the summit of that bucket? It's called your out-of-pocket maximum. This is the most keep you will pay for your health care beyond an entire year.So let's say your out-of-pocket maximum is $2,000. After you pay your $500 deductible, and if you pay an supplementary $1,500 for various health services, you've hit your out-of-pocket maximum. From subsequently on, you don't pay a penny more for covered health care services. It's important to know that all year, this starts over. suitably next year, you go encourage to stage one and craving to meet your deductible still again. So let's review. You pay a monthly premium to get into the club, and acquire many preventive services free. You pay for additional facilities until you meet your deductible. Then, you and your insurance company allowance the costs of health services. You pay co-pays or coinsurance, and your insurance pays the rest, until you hit your out-of-pocket maximum. After that, your insurance company pays everything. fittingly how much does your insurance cost? You will at least pay for your monthly premiums. And, at most, you will pay for your monthly premiums help your out-of-pocket maximum. It every depends upon the scheme you choose and the care that you and your relations need. You can acquire forgive incite from a healthcare.gov assistor to pick the scheme that's right for your family.