Qhov Tseem Ceeb Qhov txawv - HSA vs PPO He alth Insurance
Ntau tus neeg siv cov phiaj xwm kev noj qab haus huv los them lawv cov nqi kho mob thaum xav tau. Ntawm ntau cov phiaj xwm zoo li no, HSA (He alth Savings Account) thiab PPO He alth Insurance (Preferred Provider Organization) yog ob qho kev xaiv nrov rau cov kev xav tau zoo sib xws hauv Tebchaws Meskas. Qhov sib txawv tseem ceeb ntawm HSA thiab PPO kev tuav pov hwm kev noj qab haus huv yog tias HSA yog ib qho txiaj ntsig kev noj qab haus huv tau txais txiaj ntsig tshwj xeeb tshwj xeeb rau cov neeg them se hauv Tebchaws Meskas uas tau cuv npe hauv High-Deductible He alth Plan (HDHP) thaum PPO yog tus nqi sib koom them nqi kho mob uas koom tes nrog cov kws kho mob xws li tsev kho mob, kws kho mob thiab lwm tus kws kho mob tshwj xeeb los tsim kom muaj kev koom tes nrog cov kws kho mob.
HSA yog dab tsi?
HSA (He alth Savings Account) yog ib txoj kev npaj them se-kev noj qab haus huv tshwj xeeb tshwj xeeb rau cov neeg them se hauv Tebchaws Meskas uas tau cuv npe hauv High-Deductible He alth Plan (HDHP). HDHP yog ib qho kev pov hwm kev noj qab haus huv uas muab cov nqi qis dua thiab cov se txiav tawm ntau dua li cov phiaj xwm kev noj qab haus huv. Qhov tsawg kawg nkaus tus nqi txiav tawm rau HSA-tsim nyog HDHP yog tsim los ntawm Treasury Department txhua xyoo. Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag qhia cov tib neeg cov ntaub ntawv thiab cov peev txheej uas lawv xav tau los txiav txim siab txog kev noj qab haus huv rau lawv tus kheej thiab lawv tsev neeg. Cov nyiaj tuaj yeem thim tau rau ntau cov nqi kho mob uas tsim nyog suav nrog kev pom thiab cov nqi kho hniav.
Kev koom tes rau HSA tsis raug them se, thiab cov nyiaj hauv tus as khauj loj hlob tsis muaj se. Tsis tas li ntawd, kev faib tawm rau cov nqi kho mob tsim nyog tau raug zam se tawm thiab. Cov nyiaj hauv HSA tau sau ntau xyoo uas tib neeg tuaj yeem siv ntau xyoo ua ntej siv cov nyiaj. Cov neeg ua haujlwm tseem raug tso cai rho nyiaj rau cov nuj nqis uas tsis yog kho mob; txawm li cas los xij, nyob rau hauv cov ntaub ntawv ntawd, yuav raug nplua. Hauv qhov nam no, HSA zoo ib yam li tus account nyiaj laus (IRA). Tsis tas li ntawd zoo li hauv HRA, muaj qhov txwv siab tshaj plaws ntawm cov nyiaj.
PPO He alth Insurance yog dab tsi?
PPO (Preferred Provider Organisation) yog tus nqi sib koom them nqi kho mob uas koom tes nrog cov kws kho mob xws li tsev kho mob, kws kho mob thiab lwm tus kws kho mob tshwj xeeb los tsim kev sib koom tes ntawm cov kws kho mob koom nrog. Yog tias tus neeg mob siv cov kws kho mob koom nrog hauv lub network, cov nqi yuav qis dua piv rau kev sab laj tus kws kho mob sab nraud. Thaum tus neeg mob pom tus kws kho mob uas yog ib feem ntawm txoj haujlwm no, tus neeg mob yuav them ib feem ntawm tus nqi thiab PPO yuav them cov nyiaj seem. PPO kev pov hwm kev noj qab haus huv yog ib qho kev xaiv yooj yim rau cov neeg mob uas xav tau kev saib xyuas tshwj xeeb thiab xav tau kev ywj pheej xaiv ntau tus neeg muab kev pabcuam yam tsis xav tau kev xa mus. Hom phiaj xwm kev noj qab haus huv no feem ntau muaj cov nqi them siab thiab feem ntau yog ib qho kev them nyiaj (tus neeg mob yuav tsum tau them ua ntej tau txais kev pab los ntawm kws kho mob tshwj xeeb). Cov phiaj xwm PPO muaj ntau qhov sib txawv ntawm ib leeg tshwj xeeb yog hais txog kev them nyiaj tawm ntawm lub network.
Vim tias PPO pab txhawb rau ib feem ntawm tus nqi, lawv yuav tsum tau ua kom ntseeg tau tias kev pabcuam kev noj qab haus huv yog qhov tsim nyog rau tus neeg mob. Raws li qhov tshwm sim, tus neeg mob yuav tsum tau txais kev tso cai ua ntej ua ntej kev kuaj thiab kev kho mob uas yuav tsis them nyiaj los ntawm PPO yog tias tsis muaj kev tso cai.
Qhov txawv ntawm HSA thiab PPO He alth Insurance yog dab tsi?
HSA vs PPO He alth Insurance |
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| HSA yog ib txoj kev npaj them se-kev noj qab haus huv tshwj xeeb tshwj xeeb rau cov neeg them se hauv Tebchaws Meskas uas tau tso npe rau hauv HDHP. | PPO yog tus nqi sib qhia kev noj qab haus huv uas koom tes nrog cov kws kho mob xws li tsev kho mob, kws kho mob thiab lwm tus kws kho mob tshwj xeeb los tsim kev sib koom tes ntawm cov kws kho mob koom nrog. |
| Nyob rau hauv HDPD | |
| HSA tsuas yog muaj rau cov tib neeg rau npe hauv HDHP. | Tau thov kev pov hwm kev noj qab haus huv PPO, tsis tas yuav muaj HDHP. |
| Tus nqi tshwm sim tuaj yeem thov hauv HSA yog tias lawv tau tshwm sim rau cov nqi kho mob tsim nyog. | Nyob rau hauv PPO cov nqi pov hwm kev noj qab haus huv tau muab faib rau tus neeg mob thiab tus kws kho mob PPO. |
| hwm | |
| HSA raug nqi qis. | Premiums in PPO he alth insurance feem ntau siab. |
| Pre-authorization | |
| Nyob rau hauv HSA kev tso cai ua ntej tsis tas yuav tsum tau. | PPO kev tuav pov hwm kev noj qab haus huv yuav tsum tau tso cai ua ntej los ntawm tus muab kev pabcuam. |
Summary – HSA vs PPO He alth Insurance
Qhov txawv ntawm HSA thiab PPO kev tuav pov hwm kev noj qab haus huv yog qhov sib txawv uas HSA them rov qab rau cov nqi kho mob tsim nyog thaum PPO kev tuav pov hwm kev noj qab haus huv tsim lub network ntawm cov kws kho mob xaiv los ntawm yam tsis tas yuav xa mus. Nws yog ib qho tseem ceeb kom nco ntsoov tias ob txoj kev npaj no tsis yog kev pov hwm kev noj qab haus huv. Cov nqi sib xws thiab cov txiaj ntsig yuav tsum tau ua tib zoo txiav txim siab hauv kev xaiv ib qho kev npaj vim tias cov nqi them thiab lwm yam kev them nqi sib txawv heev rau ib leeg.
Download PDF Version of HSA vs PPO He alth Insurance
Koj tuaj yeem rub tawm PDF version ntawm kab lus no thiab siv nws rau offline hom phiaj raws li cov ntawv sau tseg. Thov download PDF version ntawm no Qhov txawv Ntawm HSA thiab PPO He alth Insurance.
