Chii chakasiyana?
TRICARE yave iri inonakidza inobatsira mhuri dzakawanda uye yakachengetedza mari yavo yezvokurapa mubhadharo.
Asi waiziva here kuti une zvisarudzo mukati me TRICARE zvinogona kukodzera zvido zvemhuri yako zviri nani?
TRICARE Prime uye TRICARE Standard inopa nzira mbiri dzakasiyana dzehutano hwehutano. Pane humwe hutano uye hunoita kune zvose zvingasarudzwa, uye tichakupa soro kuti ikubatsire kuita sarudzo yakanakisisa yemhuri yako.
TRICARE Prime
Kushanda kwemauto ehurumende nevanomiririra vavo vanongonyoresa ku TRICARE Prime. Zvisinei, iwe une sarudzo yekushandura kuChishanu kana Extra.
Ne TRICARE Prime, iwe hauna kutarisirwa kubhadhara co-pay (kunze kwehomwe yemari) kunze kwekuti iwe uri kushandisa iyo-ye--kusarudza sarudzo.
Kana iwe uchida kushandisa izvi kwete kunze kwekugadzirisa sarudzo ne TRICARE Prime, iwe uchafanira kusarudza kubva pakurongwa rwevabvumirwe vakagadzwa kana vakasarudzwa. (Izvo zvakafanana nehurumende yehurumende yeHMO, uko iwe unogona kuona avo vanoga "vari mumatareji.") Kana iwe uchigara pane kana pedyo nechepakati, izvi zvinowanzoreva nzvimbo yekurapa yemunharaunda.
Zviri pachena kuti zvisarudzo zvako zvishoma nezvishoma nezvirongwa izvi-kunyanya kana iwe kana nhengo yemumhuri mune zvidikanwi zvekurapa.
Kuti ushandise chisarudzo chisiri-copay pasi peChishanu, iwe unoda hurumende kutumira kumunhu anonyanya kupiwa. Saka, iwe uchava nemamwe mapepa uye unoshandiswa kune Prime, asi kuchengetwa kungave kwakakosha kune mhuri yako.
Iwe unotofanira kuzvigadzirira kunonoka mukutarisira apo iwe unomirira kutumira.
Kana iwe uchida nokukurumidza, kutarisirwa kwekukurumidzira, uchafanira kupedza mashoma mashoma uchifunga nezvezvaunogona kusarudza usati washanya kunze kwemukova. Semuenzaniso, TRICARE inoparadzanisa "dambudziko" uye "kukurumidza" kutarisirwa, uye izvo zvinotarisirwa zvakasiyana zvakasiyana neurongwa. Kushanyira pane imwe nzvimbo yekukurumidzira kunetseka kwehupenyu kunongorayira mushure mekupedzisira kune imwe purogiramu yenyu. Zvimwewo, kushanyira kutarisirwa kwekukurumidzira kwekusingaisi upenyu hunotyisidzira asi nyaya yakakomba (yakadai secheka rakaputsika) inoda kutumira.
TRICARE Standard
TRICARE Standard inokupa zvimwe zvingasarudzwa uye kushandura mafungiro mune zvasarudzo zvevashandi, asi zvinosanganisirawo zvimwe zvekunze mari. Iwe une sarudzo yekushandisa network network kana kuti kunze-ye-network kupa, uye iwe haufaniri kutora kutumira. Zvisinei, iwe unogona kunge uchida kugoneswa kwehumwe hutano, sezvaunoda nehumwe humwe zvirongwa zveinishuwarenzi.
TRICARE Nyaya inogona kuva yakanaka kana iwe uchigara pane kana pedyo nechepamusoro asi usingadi kushandisa mauto ekurapa emunharaunda, kana mumwe munhu mumhuri yako ane zvido zvakakosha. TRICARE Standard ye-out-of-network sarudzo inogonawo kuuya zvakanaka kana uchirarama makiromita anopfuura makumi matatu kubva kuchipatara chemauto uye usingadi kutyaira kure kure kuti utore vana vako kuchiremba.
Iwe uchabhadhara gore roga re deductible pa TRICARE Standard. Zvisinei, iyo mitengo ichiripo inotengesa zvikuru kana ichienzaniswa nehurumende yeushuwarisi. Semuenzaniso, kune E4 uye pasi uye paunenge uchishanda kana muVarindi / Reserve, yako inokwaniswa inogona kuva $ 50 munhu mumwe nomumwe (asi kwete kudarika $ 100 kumhuri yose). E5 uye pamusoro inogona kutarisira $ 150 nemunhu mumwe nomumwe (asi kwete kudarika $ 300 yemhuri yose).
Iwewo uchange uine chekuita nehuwandu hwepakati kana mugove wemamwe mabasa. Zvizhinji zvekudzivirira maitiro hazvitsvaki mari yekunze, asi iwe unogona kutarisira kuva nemhosva kubva kune $ 25 kusvika ku20% yebhadharo yebasa kune zvimwe zvido.
Kuita Sarudzo Yakanaka Pamhuri Yako
Zvirongwa zvose izvi zvinopa mikana yakawanda yevashandi vehurumende vanoita basa uye nemhuri dzavo. Ita zvaunonyanya kukoshesa kune utano, uye funga zvaunoda kwenguva refu kuti ubatsire kutungamirira tsvakurudzo yako.
Kungofanana nedzimwewo chisarudzo pamusoro pekurapa, iva nechokwadi chekukurukura zvakananga neinishuwarenzi mupiro wako kuti uwane zvakanyanya zvakanyanya-kusvika-zveruzivo.