Ingabe umshwalense uyakukhokhela i-telehealth?
Izinhlelo eziningi zomshwalense wezempilo ezizimele zikukhokhela okungenani izinsizakalo ezithile ze-telehealth, kodwa imininingwane iyahluka ngohlelo. Ukufakwa kwakho kungase kuncike ohlotsheni lokuvakasha, kumhlinzeki oyisebenzisayo, ukuthi umhlinzeki usesikhungweni, nokuthi uwuqedile yini ukubhadala kwakho okuncane.
Ungase usadinge ukukhokha imali encane, ubambiswano lokukhokha, noma ukubhadala kwakho okuncane ngisho noma i-telehealth ikhokhwa. Ezinye izinhlelo ziphinde zibe nemithetho ehlukile yezindawo zokunakekelwa okungazelelwe ezibonakalayo, ukuvakasha kwezokunakekelwa okuyinhloko, izinsizakalo zezempilo yengqondo, kanye nokuphathwa kwezibuyekezo.
I-Medicare ne-Medicaid zinezinkambiso zazo ze-telehealth. Ukukhokhwa kwe-Medicare kungashintsha kuye ngenqubomgomo yobumbano kanye nohlobo lwenkonzo, kuyilapho ukukhokhwa kwe-telehealth kwe-Medicaid kuhluka ngombuso. Ungahlola imininingwane yamanje yokukhokhwa kwe-telehealth kwe-Medicare kanye nemithetho ye-Medicaid yombuso wakho ngaphambi kokubhuka ukuvakasha.
Kuthiwani uma umshwalense wakho ungakukhokheli i-telehealth?
Ungakwazi ukukhokhela ukuvakasha kwe-telehealth ngokwakho. Lokhu kuvame ukubizwa ngokuthi ukukhokha ngemali noma ukuzikhokhela ukunakekelwa. Intengo incike kumhlinzeki, ohlotsheni lokuvakasha, nokuthi udinga okuthile ngaphandle kokubonisana, njengokubhalwa kadokotela noma ukuhlolwa kwege labu.
Ngaphambi kokubhuka, hlola ukuthi ngabe intengo emenyezelwe ikufaka yini ukuvakasha uqobo noma ukuthi izindleko ezengeziwe zingasebenza yini. Intengo ephansi yokuvakasha ayisho ukuthi izindleko eziphelele zokunakekelwa zizophansi uma imithi, amalebhu, noma ezinye izinsizakalo zikhokhisa ngokwehlukana.
Udinga ukunakekelwa ngaphandle kokubhekana nezikweletu zomshwalense eziyinkimbinkimbi? Bhukha ukuvakasha okungama-$39 ku-inthanethi okungazelelwe no-August AI. Umelaphi onelayisense e-US angakubuyekeza izimpawu zakho futhi akubhalela imithi lapho kufanele khona, ngokusungulwa kwemithi ngalolo suku kuyo yonke imibuso engama-50. Ukuvakasha akuqinisekisi ukubhalwa kwemithi. Ukunakekelwa okungazelelwe kwe-August ku-inthanethi kuyinsizakalo yokukhokha imali eyisicaba futhi ayikhokhiswa yi-Medicare noma umshwalense wangasese. Ukunakekelwa kwezifo ezingapheli kanye neziqulunqulo zokubonisana ngokuvamile kungcono ukuphathwa umhlinzeki wakho oyinhloko noma umelaphi.
Ungasebenzisa i-HSA noma i-FSA ukukhokhela i-telehealth?
Izimali ze-HSA neze-FSA zingasetshenziswa ngokuvamile ezindlini zezempilo ezifanelekile, ezingafaka izinsizakalo ezithile ze-telehealth. Noma kunjalo, ukuthi insizakalo ilethwa ku-inthanethi akwenzisi ukuthi zonke izindleko ze-telehealth zifanelekele ngokuzenzekelayo. Hlola imithetho yohlelo lwakho kanye nezimfuno ze-IRS zezindleko ezithile.
HSA vs. FSA: iyini umehluko?
| I-HSA | I-FSA |
|---|---|
| Ngokuvamile itholakala nge-HSA-eligible high-deductible health plan. | Ngokuvamile inikezwa ngephakeji lezinzuzo zomqashi. |
| Imali engasetshenziswanga ngokuvamile iphinde ihambe unyaka nonyaka. | Izimali ngokuvamile zilandelana nemithetho yonyaka wephakeji, yize abanye abaqashi bevumela ukuhamba okulinganiselwe noma isikhathi somusa. |
| I-akhawunti ngokuvamile ihlala nawe uma ushintsha umqashi. | I-akhawunti ngokuvamile ixhunyaniswe nephakeji lezinzuzo lomqashi wakho. |
| Ingasetshenziswa ezindlini zezempilo ezifanele. | Ingasetshenziswa ezindlini zezempilo ezifanele ngaphansi kwemithetho yephakeji neye-IRS. |
I-IRS ichaza imithetho yezindlini zezempilo nezokwelapha eNcwadini 969. Uma ungaqiniseki ukuthi ngabe i-telehealth ethile ifanelekile, hlola nomphathi wakho we-HSA noma we-FSA ngaphambi kokusebenzisa i-akhawunti.
Indlela yokuhlola ukuthi ukuvakasha kwakho kwe-telehealth kukhokhwa kanjani
Ngaphambi kokuhlela, hlola le mininingwane nomkhokhela umshwalense wakho:
- Ingabe i-telehealth ikhokhiwe? Buza ukuthi ngabe ukuvakasha okubonakalayo kukhokhiwe yini ohotsheni lokunakekelwa oludingayo.
- Ngabe umhlinzeki usesikhungweni? Ukuvakasha kwe-telehealth ngaphandle kwesikhungo kungabiza kakhulu noma kungakhokhwa.
- Uzokhokha malini? Buza ngemali yakho encane yokukhokha, ubambiswano lokukhokha, kanye nokubhadala kwakho okuncane okusele.
- Ingabe uhlelo lwakho ludinga umhlinzeki othile we-telehealth? Abakhokheli abanye bomshwalense basebenzisa insizakalo yabo yokunakekelwa okubonakalayo noma izinhlu zabo ze-telehealth eziyintandokazi.
- Udinga imvume yangaphambili? Izinsizakalo ezithile zingadinga imvume ngaphambi kokuvakasha.
Ngokuvamile ungathola le mininingwane kuphothali yelungu lomkhokheli wakho, amadokhumenti ezinzuzo, noma ngokubiza inombolo ekwikhadi lakho lomshwalense.
Kubiza malini i-telehealth ngaphandle komshwalense?
Ayikho intengo eyodwa yokuvakasha kwe-telehealth okungakhokhwa umshwalense. Izintengo zemali ziyahluka ngomhlinzeki nangohlobo lokunakekelwa oludingayo. Ukuvakasha okuyisisekelo okubonakalayo kungabiza kancane kunokuphathwa ngqo, kodwa ingqikithi ingakhula uma udinga imithi, ukuhlolwa kwege labu, ukudweba izithombe, noma ukunakekelwa okulandelayo.
Kungakho kusiza ukuhlola intengo ephelele ngaphambi kokubhuka. Uma uqhathanisa izinsizakalo ze-telehealth ezikhokha ngemali, buka ukuthi imali yokuvakasha ibandakanya ini ngempela nokuthi ngabe imithi ebalulekile noma ezinye izinsizakalo zikhokha okwengeziwe.
Kuthiwani uma umshwalense ukukhokhela i-telehealth kodwa usenokubhadala okuncane okuphezulu?
Ukukhokhwa akusho njalo ukuthi ukuvakasha kwamahhala. Uma ukubhadala kwakho okuncane kungakaqedwa, ungase udinge ukukhokha imali ephelele yokuvakasha oyisivumelwaneni ngaphambi kokuthi umshwalense wakho uqale ukuhlanganyela izindleko.
Ngokwesibonelo, uhlelo lungakhokhela i-telehealth kodwa usadinga ukuthi ukhokhe imali ephelele evunyelwe kuze kube yilapho uqedela ukubhadala kwakho okuncane. Olunye uhlelo lungase likhokhise imali encane yokukhokha ukuvakasha okubonakalayo kungakhathalekile ukubhadala kwakho okuncane. Izinzuzo ezithile zohlelo lwakho zichaza ukuthi yimuphi umthetho osebenza.
Umphumela wokugcina
Umshwalense uvame ukukhokhela i-telehealth, kodwa izindleko zakho zangempela zincike ohlelweni lwakho, kumhlinzeki, isimo senethiwekhi, ukubhadala kwakho okuncane, nohlobo lokunakekelwa olutholayo. I-Medicare ne-Medicaid zinezinkambiso ezihlukile, futhi lezo nkambiso zingahluka ngensizakalo futhi, nge-Medicaid, ngombuso.
Uma ukhokha ngaphandle komshwalense, qhathanisa intengo ephelele yokuvakasha kunokucabanga ukuthi ukukhokhwa komshwalense kuzokwenza i-telehealth ibe yonga. Izimali ze-HSA neze-FSA zingase futhi zitholakale ezindlini zezempilo ezifanelekile, kodwa ukufaneleka kuncike emithethweni ye-IRS nohlelo lwakho.
