Tsheb kauj vab raug mob

Ob qho kev txhawj xeeb tam sim ntawd uas tib neeg muaj tom qab raug mob los ntawm kev caij tsheb kauj vab yog (1) tau txais kev kho mob rau txhua qhov kev raug mob uas lawv tau raug vim yog qhov xwm txheej thiab (2) txiav txim siab seb lawv yuav ua li cas kom paub tseeb tias cov nqi kho mob tau them. Yog tias koj raug mob los ntawm kev caij tsheb kauj vab, muaj peb hom kev pov hwm tseem ceeb uas yuav siv tau rau koj qhov xwm txheej: Kev pov hwm PIP, kev pov hwm kev noj qab haus huv, thiab kev pov hwm lub luag haujlwm.

Nyem rau ntawm cov cim "+" hauv qab no kom paub ntau ntxiv txog txhua tus

Qhov kev pov hwm zoo tshaj plaws rau kev them tag nrho cov nqi kho mob yog kev pov hwm tiv thaiv kev raug mob ntawm tus kheej (PIP).

PIP yog dab tsi? PIP yog kev pov hwm xaiv tau uas ntxiv rau hauv daim ntawv pov hwm tsheb. Yog tias muaj kev sib tsoo, PIP yuav pab them rau cov nqi kho mob, kev poob nyiaj hli, thiab kev poob ntawm cov kev pabcuam tseem ceeb - txawm tias leej twg ua txhaum los xij. Tus nqi tsawg kawg nkaus ntawm kev pov hwm kho mob PIP hauv Washington yog $10,000, tab sis koj tuaj yeem yuav cov ntawv pov hwm uas muab kev pov hwm ntawm $25,000, $35,000, lossis ntau dua.

Puas yog kev pov hwm PIP yuav tsum muaj? Kev pov hwm PIP tsis yog qhov yuav tsum tau ua rau cov tswv tsheb ib leeg hauv Washington xeev. Txawm li cas los xij, lawv cov tuam txhab pov hwm yuav tsum muab kev pab them nqi. PAB 48.22.085 qhia tias tsis muaj daim ntawv pov hwm tshiab lossis kev txuas ntxiv ntawm daim ntawv pov hwm uas twb muaj lawm yuav raug muab tshwj tsis yog tias PIP kev them nqi tau muab ua kev them nqi xaiv tau. Txoj cai lij choj hais tias tus neeg pov hwm uas muaj npe tuaj yeem tsis lees txais, ua ntawv sau, kev them nqi PIP. Tus neeg pov hwm tsis tas yuav suav nrog kev them nqi PIP hauv txhua daim ntawv pov hwm ntxiv, kev txuas ntxiv, lossis kev hloov pauv tshwj tsis yog tias tus neeg pov hwm uas muaj npe thov kev them nqi ntawd ua ntawv sau.

PIP ua tau dab tsi ntxiv? Kev them nqi PIP kuj pab kom koj tsis txhob muaj cov nqi deductible, cov nqi them ua ke, thiab cov kev sib txuas lus xa mus rau lwm tus tsawg, thiab feem ntau yuav tsum them cov nqi kho mob tag nrho thaum lawv raug them.

Cov kws kho mob them nqi rau PIP li cas? Thaum muaj kev pov hwm PIP, cov kws kho mob yuav tsum xa cov ntaub ntawv thiab cov nqi mus rau lub tuam txhab pov hwm PIP sai sai, npaj txhij los teb cov lus nug los ntawm tus neeg kho PIP, thiab xyuas kom meej tias txhua cov ntaub ntawv xa tuaj nyeem tau, teeb tsa tau zoo, thiab muaj tus lej raug.

Kuv tuaj yeem tau cov ntaub ntawv ntxiv txog PIP qhov twg? Yog tias koj xav paub ntxiv txog kev them nqi PIP hauv Washington, koj tuaj yeem mus saib tau Washington Lub vas sab ntawm Tus Neeg Saib Xyuas Kev Pov Hwm Hauv Xeev.

PIP siv rau kev raug mob ntawm tsheb kauj vab li cas? Yog tias koj raug mob hauv kev sib tsoo tsheb kauj vab, koj yuav muaj ob txheej ntawm PIP rau koj. Yog tias tus neeg tsav tsheb uas tsoo koj muaj PIP, koj tsim nyog siv cov txiaj ntsig PIP raws li lawv daim ntawv pov hwm tsheb. Thaum cov txiaj ntsig PIP ntawd tas lawm, koj kuj tseem siv tau koj tus kheej daim ntawv pov hwm PIP, yog tias koj muaj, los ntawm koj daim ntawv pov hwm tsheb.

Yog tias PIP kev pab them nqi tsis txaus? Feem ntau, qhov tsawg kawg nkaus ntawm PIP kev pab them nqi ntawm $ 10,000 yuav tas ua ntej koj mus txog qhov kev kho mob zoo tshaj plaws thiab raug tso tawm ntawm kev kho mob los ntawm koj tus kws kho mob thawj zaug. Qhov no yog qhov tseeb tshwj xeeb tshaj yog thaum koj raug coj los ntawm lub tsheb thauj neeg mob los ntawm qhov chaw sib tsoo mus rau tsev kho mob rau kev kho mob thaum muaj xwm txheej ceev. Lwm lub sijhawm, koj yuav tsis muaj kev pab them nqi PIP. Hauv ob qho xwm txheej, kev pov hwm tseem ceeb rau kev them nqi kho mob tam sim ntawd yog txhua qhov kev pov hwm kev noj qab haus huv muaj.

Kev pov hwm kho mob ua dab tsi hauv Washington feem ntau npog? Feem ntau cov Washington cov phiaj xwm kev noj qab haus huv yuav them rau kev kho mob chiropractic, kev zaws, kev kho lub cev, thiab kev siv koob txhaj tshuaj raws li HWV 284-43Kev them nqi pov hwm kev noj qab haus huv yuav tsum ua raws li cov nqe lus ntawm daim ntawv cog lus uas tus kws kho mob muaj nrog txoj kev npaj kho mob tshwj xeeb. Qhov no txhais tau tias tej zaum yuav muaj kev txwv rau tus naj npawb ntawm kev mus kho mob thiab cov mob uas tau them. Tej zaum koj yuav tsum tau txais kev xa mus rau kev kho mob, thiab cov nqi deductible thiab cov nqi sib koom them yuav siv tau.

Yog tias kuv raug mob tab sis kuv tsis muaj kev pov hwm kho mob, kuv yuav ua li cas? Yog tias koj tsis muaj kev pab them nqi PIP, kev pov hwm kho mob lossis kev pov hwm them nqi rau cov neeg ua haujlwm uas yuav them koj cov nqi kho mob, koj tuaj yeem nrhiav kev kho mob thiab thov kom tus kws kho mob "tuav" lawv cov nqi los ntawm kev siv daim ntawv cog lus kho mob tawm tsam txhua qhov kev daws teeb meem yav tom ntej nrog tus neeg uas ua rau koj raug mob.

Hauv cov xwm txheej twg uas daim ntawv foob kev kho mob tuaj yeem ua tau? Koj tuaj yeem ua ntaub ntawv thov kom them nqi kho mob thaum muaj ib tus neeg thib peb uas yog tus lav ris rau koj cov kev raug mob THIAB koj tseem muaj cov nqi kho mob uas tseem tshuav vim yog cov kev raug mob ntawd:

1. Koj twb siv tag koj cov kev pab them nqi PIP lawm; los yog
2. Tsis muaj kev pab them nqi PIP, kev them nyiaj rau cov neeg ua haujlwm, lossis kev pov hwm kev noj qab haus huv.

Kev them nqi kho mob ua haujlwm li cas? Yog tias koj tseem muaj cov nqi kho mob uas tseem tshuav thiab koj tsis muaj cov kev xaiv pov hwm lawm, tus kws kho mob tuaj yeem tuav koj cov nqi kho mob kom them los ntawm txhua qhov kev sib hais haum nrog tus neeg ua txhaum lub tuam txhab pov hwm lub luag haujlwm. Qhov no hu ua kev lav phib xaub kho mob. Cov kev lav phib xaub kho mob raug tswj hwm los ntawm PAB 60.44.

Kuv yuav tsum ua li cas thaum kuv tau ua daim ntawv thov kom them nqi kho mob lawm? Thaum koj thov kom ib tus kws kho mob twg ua ntaub ntawv thov kom them nqi kho mob, tus kws kho mob muaj cai yuam kom them nqi rau txhua qhov kev daws teeb meem kawg ntawm koj cov lus thov nrog lub tuam txhab pov hwm rau tus neeg ua txhaum. Koj yuav tsum saib xyuas seb koj tshuav nqi ntau npaum li cas rau kev kho mob uas koj tau txais kom koj tsis txhob xav tsis thoob los ntawm daim nqi loj uas yuav ua rau kev daws koj daim ntawv thov nyuaj.