Inishuwarensi Inobhadhara Telehealth Here?
Mazhinji ema-private health insurance plans anobhadhara zvisingaurai zvesevhisi dzeta telehealth, asi zvakadzama zvinosiyana pachirongwa chega chega. Chivharo chako chinogona kuenderana nerudzi rweushanyi, mupi waunoshandisa, kana mupi ari munetwork, uye kana wasangana nedeductible yako.
Unogona kuchine copay, coinsurance, kana deductible kunyangwe telehealth yakavharwa. Zvimwe zvipfeko zvinewo mitemo yakasiyana yekuona kwakangoerekana kwachaitika, kushanya kweprimary care, mabasa ehutano hwepfungwa, uye kushanya kwezvakakosha.
Medicare neMedicaid zvine zvavo mitemo yetelehealth. Chivharo cheMedicare chinogona kuchinja zvichienderana nemitemo ye federal nerudzi rwebasa, nepo chivharo cheMedicaid telehealth chichisiyana pachivhiti. Unogona kutarisa Medicare's current telehealth coverage information nemitemo ye Medicaid yevhiti yako usati waronga kushanya.
Zvakadini Kana Inishuwarensi Yako Ikasabhadhara Telehealth?
Unogona kutsigira telehealth kushanya nemadhora ako pachako. Izvi zvinowanzo kunzi cash-pay kana self-pay care. Mutengo unoenderana nemupi, rudzi rweushanyi, uye kana uchida chimwe chinhu kunze kwekubvunzana, se kunyoreswa kana kuyedzwa kwe laboratory.
Usati waronga, tarisa kana mutengo wakaziviswa uchisanganisira kushanya pachako kana kuti mari dzekuwedzera dzinogona kushanda. Mutengo wekushanya wakaderera haureve kuti mari yekurapa yese ichave yakaderera kana mushonga, mapapu, kana zvimwe zvigaro zviri kubhadhariswa zvakasiyana.
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Unogona Kushandisa HSA kana FSA Kubhadhara Telehealth?
Mari dzeHSA neFSA dzinogona kushandiswa pakukweretesa kwezvekurapa, izvo zvinogona kusanganisira mamwe mabasa etelehealth. Zvisinei, chokwadi chekuti basa rinoitwa online hazvireve kuti mari yese yetelehealth inokwanisa. Tarisa mitemo yechirongwa chako nezvinodiwa neIRS zvemari chaiyo.
HSA vs. FSA: Kusiyana Kwacho Ndekwupi?
| HSA | FSA |
|---|---|
| Zvinowanzo kuwanikwa neHSA-eligible high-deductible health plan. | Zvinowanzo pewedzerwa kuburikidza nechirongwa chebasa che mushandirwi. |
| Mari isina kushandiswa inowanzo pfugama kubva mugore negore. | Mari inowanzo tevera mitemo yegore rechirongwa, kunyange vamwe vashandirwi vachibvumira kudzokorora kushoma kana nguva yekunonoka. |
| Account inowanzo gara newe kana uchichinja vashandirwi. | Account inowanzo batanidzwa nechirongwa chebasa chemushandirwi wako. |
| Inogona kushandiswa pakukweretesa kwezvekurapa. | Inogona kushandiswa pakukweretesa kwezvekurapa pasi pemitemo yechirongwa neIRS. |
IRS inotsanangura mitemo yemari yekurapa nezve dzimwe dzimba munyaya ye Publication 969. Kana usina chokwadi nezve mari yetelehealth inokwanisa, taura nemutungamiriri weHSA kana FSA yako usati washandisa account.
Maitiro Ekutarisa Kana Telehealth Yako Yakavharwa
Usati waronga, tarisa zvinhu izvi neinishuwarensi yako:
- Telehealth Yakavharwa Here? Vunza kana kushanya kwepakombuta kwakavharwa nerudzi rwekutarisirwa kwaunoda.
- Mupi Ari Munetwork Here? Kushanya kwe telehealth kunze kwenetwork kunogona kuva nemari yakawanda kana kusavharwa zvachose.
- Uchabhadhara Marii? Vunza nezve copay yako, coinsurance, uye deductible yako yasara.
- Chirongwa Chako Chinoda Mupi Wetelehealth Chaiyo? Vamwe vanopa inishuwarensi vanoshandisa yavo virtual-care service kana network dzeta telehealth.
- Unoda Kuvandudza Kutanga? Mabasa akati wandei anogona kuda mvumo usati washamisa.
Unogona kuwana ruzivo urwu munzvimbo yemunhu anobatwa neinishuwarensi, zvinyorwa zve mabasa, kana nekufona nhamba iri paikadhi re inishuwarensi yako.
Mari Yetelehealth Yakawanda Pasina Inishuwarensi?
Hapana mutengo mumwe chete we telehealth kushanya kusingabhadharirwi neinishuwarensi. Mari dzekubhadhara nemari dzinobva pamupi nerudzi rwekutarisirwa kwaunoda. Kushanya kwepakombuta kwakawanda kunogona kuva nemari shoma pane kushanya kwepamuviri, asi mari yese inogona kuwedzera kana uchida mushonga, kuyedzwa kwe laboratory, imaging, kana kutarisirwa kwekuenderera mberi.
Ndicho chikonzero zviri nani kutarisa mari yakazara usati waronga. Kana uchienzanisa mabasa etelehealth ekubhadhara nemari, tarisa kuti mari yekushanya inosanganisira sei uye kana mishonga kana zvimwe zvigaro zvine mari dze kuwedzera.
Zvakadini Kana Inishuwarensi Ichivhara Telehealth Asi Uchine Deductible Yakakwirira?
Chivharo hazvireve kuti kushanya kwacho kungave kwemahara. Kana deductible yako isati yasangana, unogona kubhadhara mari yakakodzera yekushanya wega usati inishuwarensi yako yatanga kuita basa.
Semuenzaniso, chirongwa chinogona kuvhara telehealth asi uchibhadharira mari yakazara kusvikira wasangana nedeductible yako. Chirongwa chimwe chinogona kubhadharira fixed copay yekushanya kwepakombuta pasinei nedeductible yako. Mabasa chaiwo echi rirongwa chako anotsanangura kuti ndeupi mutemo unoshanda.
Chikonzero Chekupedzisira
Inishuwarensi inowanzovhara telehealth, asi mari yako chaiyo inoenderana nechirongwa chako, mupi, network status, deductible, nerudzi rwekutarisirwa kwaunogashira. Medicare neMedicaid zvine mitemo yakasarudzika, uye mitemo iyoyo inogona kusiyana nebasa uye, yeMedicaid, nechivhiti.
Kana uchibhadhara kubva muhomwe, enzanisa mari yekushanya yakazara pane kungofungidzira kuti chivharo cheinishuwarensi chichaita kuti telehealth ive yakachipa. Mari dzeHSA neFSA dzinogonawo kuwanikwa pakukweretesa kwezvekurapa, asi kukwanisa kunoenderana nemitemo yeIRS nechirongwa chako.
