Ubwishingizi burishyura Telehealth?
Imishinga myinshi y'ubwishingizi bw'ubuzima bwite irishyura serivisi za telehealth nibura, ariko ibisobanuro bihinduka hagati y'umushinga. Ubwishingizi bwawe bushobora kwishingikiraho ku bwoko bwo gusura, umuhuzabikorwa ukoresha, niba umuhuzabikorwa ari mu cyiciro, kandi niba wageze ku kigero cyawe cyo kwishyura.
Ushobora kuba ukigomba kwishyura ikigero, umubare w'ikigero, cyangwa igiteranyo cyo kwishyura, na Telehealth ikibonwa. Imishinga imwe kandi ifite amategeko atandukanye kuri serivisi z'ubuvuzi bwihutirwa kuri interineti, gusura abaganga ba mbere, serivisi z'ubuzima bwo mu mutwe, n'ibiganiro by'inzobere.
Medicare na Medicaid bafite amategeko yabo kuri Telehealth. Ubwishingizi bwa Medicare bushobora guhinduka bitewe na politike ya leta n'ubwoko bwa serivisi, mu gihe ubwishingizi bwa Medicaid kuri Telehealth buhinduka buri leta. Ushobora gusuzuma amakuru ya Medicare kuri Telehealth n'amategeko ya leta yawe ya Medicaid mbere yo gutegura gusura.
Biteganyijwe iki niba ubwishingizi bwawe budakoresha Telehealth?
Ushobora kwishyura gusura kuri Telehealth wenyine. Ibi akenshi byitwa kwishyura amafaranga yose cyangwa kwishyura wenyine. Igiciro kishingiye ku muhuzabikorwa, ubwoko bwo gusura, niba ukeneye ikindi kirenze kuganira, nk'urwandiko rw'imiti cyangwa ibizamini by'ibitaro.
Mbere yo gutegura, menya niba igiciro cyatangajwe gikubiyemo gusura cyangwa niba hari amafaranga y'inyongera ashobora gukoreshwa. Igiciro cyo hasi cyo gusura ntibisobanura ko igiciro cyose cy'ubuvuzi kizaba cyo hasi niba imiti, ibitaro, cyangwa izindi serivisi zishyurwa buri wenyine.
Ukeneye ubuvuzi udashaka kuganira ku buryo bw'iby'ubwishingizi? Koresha gusura ubujyanama bwihutirwa kuri interineti ku mafaranga $39 na August AI. Umuganga wemewe muri Leta Zunze Ubumwe za Amerika ashobora gusuzuma ibimenyetso byawe kandi akemeza igihe bikwiriye, hamwe n'ibitaro bishobora guhabwa imiti mu masaha nk'umwe mu ntara zose 50. Gusura ntibigombora urwandiko rw'imiti. Ubuvuzi bwihutirwa kuri interineti na August ni serivisi y'igiciro kingana kandi ntabwo burishyuzwa na Medicare cyangwa ubwishingizi bwite. Ubuvuzi bw'igihe kirekire bw'indwara z'akatarabwa n'ibiganiro by'inzobere bikunze gukorwa neza n'umuganga wawe mukuru cyangwa inzobere.
Ushobora gukoresha HSA cyangwa FSA kwishyura Telehealth?
Amafaranga ya HSA na FSA ashobora gukoreshwa ku bifuzo by'ubuvuzi byujuje ibisabwa, birimo serivisi zimwe na zimwe za Telehealth. Ariko, kuba serivisi itangwa kuri interineti ntibisobanura ko buri kiguzi cya Telehealth cyujuje ibisabwa. Soma amategeko yawe y'umushinga n'ibisabwa na IRS ku bifuzo byihariye.
HSA vs. FSA: itandukaniro ni irihe?
| HSA | FSA |
|---|---|
| Akenshi irahari hamwe n'umushinga w'ubwishingizi ufite igiteranyo cyo hejuru cyujuje ibisabwa na HSA. | Akenshi itangwa binyuze mu mushinga w'inyungu w'umukoresha. |
| Amafaranga adakoreshejwe akenshi asubiramo umwaka. | Amafaranga akenshi akurikira amategeko y'umwaka w'umushinga, nubwo bamwe mu bakoresha bemewe kwikura cyangwa igihe cyo kwemerwa. |
| Konti ikuyoborana niba uhinduye abakoresha. | Konti ikunze guhuza n'umushinga w'inyungu w'umukoresha wawe. |
| Irashobora gukoreshwa ku bifuzo by'ubuvuzi byujuje ibisabwa. | Irashobora gukoreshwa ku bifuzo by'ubuvuzi byujuje ibisabwa muri mushinga n'amategeko ya IRS. |
IRS isobanura amategeko kubyerekeranye n'ubuvuzi n'iby'amenyo muri Publication 969. Niba utizera niba ikiguzi cya Telehealth kigomba kwemezwa, twandikire umuyobozi wa HSA cyangwa FSA mbere yo gukoresha konti.
Uburyo bwo kumenya niba gusura kwawe kwa Telehealth kwemejwe
Mbere yo gutegura, menya ibi bisobanuro hamwe n'ikigo cy'ubwishingizi cyawe:
- Telehealth irafashwa? Koresha niba gusura kuri interineti bifashijwe ku bwoko bw'ubuvuzi ukeneye.
- Umuhuza ari mu cyiciro? Gusura Telehealth hanze y'icyiciro bishobora kugutwara menshi cyane cyangwa ntibikore.
- Ni iki uzishyura? Koresha ikigero cyawe, umubare w'ikigero, n'igiteranyo cyawe cyo kwishyura gisigaye.
- Umushinga wawe ukeneye umuhuzabikorwa wa Telehealth? Abishingizi bamwe bakoresha serivisi yabo yo kwivuza kuri interineti cyangwa ibice bya Telehealth bibahaye.
- Ukeneye uburenganzira bw'imbere? Serivisi zimwe zishobora gusaba uburenganzira mbere yo gusura.
Akenshi ushobora kubona aya makuru kuri konti y'umunyamuryango wawe, inyandiko z'inyungu, cyangwa ukanze nimero iri ku rupapuro rw'ubwishingizi rwawe.
Telehealth itwara angahe utishyuje ubwishingizi?
Nta giciro kimwe cyo gusura kwa Telehealth utishyuje ubwishingizi. Ibiciro by'amafaranga byihariye bihinduka hagati y'umuhuzabikorwa n'ubwoko bw'ubuvuzi ukeneye. Gusura byoroshye kuri interineti bishobora gutwara amafaranga make kurenza gusura mu biro, ariko igiteranyo gishobora kuzamuka niba ukeneye imiti, ibizamini by'ibitaro, amafoto, cyangwa ubuvuzi bwakurikiyeho.
Ni yo mpamvu bifasha gusuzuma igiciro cyose mbere yo gutegura. Niba ug Compare serivisi za Telehealth zishyurwa amafaranga, reba icyo igiciro cyo gusura gikubiyemo byukuri niba imiti cyangwa izindi serivisi bifite amafaranga y'inyongera.
Biteganyijwe iki niba ubwishingizi burishyura Telehealth ariko ukagira igiteranyo kinini cyo kwishyura?
Ubushobozi ntibisobanura ko gusura kwaba kwishyuye. Niba igiteranyo cyawe cyo kwishyura kitagezweho, ushobora kuba ugomba kwishyura igiciro cyasezeranyijwe cyo gusura mbere yuko ubwishingizi bwawe butangira kugisangira.
Kurugero, umushinga washobora kwishyura Telehealth ariko ukakubaza kwishyura amafaranga yose yemewe kugeza ugeze ku giteranyo cyawe cyo kwishyura. Undi mushinga washobora kugukoresha ikigero cyihariye cyo gusura kuri interineti ntarebye ku giteranyo cyawe cyo kwishyura. Inyungu zihariye za mushinga wawe ni zo zemeza iryo tegeko rikwirakwira.
Icy'ingenzi
Ubushobozi burajya burishyura Telehealth, ariko igiciro cyawe nyacyo kishingiye ku mushinga wawe, umuhuzabikorwa, urwego rw'icyiciro, igiteranyo cyo kwishyura, n'ubwoko bw'ubuvuzi ukora. Medicare na Medicaid bafite amategeko atandukanye, kandi ayo mategeko ashobora guhinduka hakurikijwe serivisi kandi, kuri Medicaid, hakurikijwe leta.
Niba wishyura wenyine, sano igiciro cyose cyo gusura aho gusigaho ko ubwishingizi buzatsindira Telehealth ifite igiciro cyo hasi. Amafaranga ya HSA na FSA nayo ashobora kuboneka ku bifuzo by'ubuvuzi byujuje ibisabwa, ariko kwemezwa kwabo kushingiye ku mategeko ya IRS n'umushinga wawe.
