Amaqhinga okujongana neTyala lezonyango

by LaToya Irby

Yintoni enokuyenza malunga neebhilidi zonyango ezingahlawulwa

Iingxowa-mali zonyango zibangelwa ngamaphesenti angama-62 e- bankruptcies ngo-2007, ngokutsho kwe-American Journal of Medicine. Okubaluleke ngakumbi, ama-80 ekhulwini alabo abafaka amatyala enkcitho yonyango baye bafumana i-inshorensi yempilo kwaye ityala labo liphantsi (i-$ 18,000) xa kuthelekiswa nalabo abafake kodwa babengenayo inshorensi yempilo (i-$ 27,000). Akufuneki ukuthetha, ityala lezonyango liyinkinga ebalulekileyo eMelika.

Iingxowa-mali zonyango zibi kakhulu kwaye zingalimaza imali yakho. Ngethemba, unokukwazi ukujongana netyala lakho lezonyango ngaphambi kokunyanzela ukuba unxweme .

01 Musa ukuthoba i-Bills

Ukutshisa intloko yakho entlabathi akuyi kubangela ukuba iindleko zihambe. Enyanisweni, kunokuyenza imeko ibe yimbi. Oogqirha kunye nabanye ababoneleli bezonyango baya kuqokelela kuphela kwi-akhawunti yakho kwiinyanga ezimbalwa ngaphambi kokuba bathumele i-akhawunti kwi-arhente yokuqokelela. Ngelo xesha, ibhilikhi yezokwelapha iyaqhubeka kwingxelo yakho yekhredithi kwaye ibuhlungu amathuba akho okuzayo okuboleka imali , umz. Indlu. Unokuthi ulandelelwe ityala, oku kunokubangela isigwebo, umrhumo webhanki okanye ukulungiswa kwemvuzo .

02 Qinisekisa ukuba unayo iBhili, ayikho inkcazo yeeNzuzo

Funda ngeposi ukuze uqiniseke ukuba unayo ibhalansi ngenxa. Ngamanye amaxesha inkampani yomshuwalense wezempilo iyithumela inkcazelo yeenzuzo ukuchazela oko kukhokhelwe egameni lakho. I-EOB inokukunika iintloko ukuya kwiibhilidi zonyango ezisekho. Ukuba i-EOB ibonisa inkampani yomshuwalense kuphela ikhokhe inxalenye yebango, ungalindela ukuba ugqirha ukuba uthumele ibhilikhwe kungekudala.

03 Qinisekisa iNqaku alifihliweyo nge-inshurensi

Ukuhlawula ngonyango kuyinkimbinkimbi kwaye iimpazamo zinokwenzeka. Qinisekisa ukuba iofisi yakho yegqirha ikhokhele inkampani yomshuwalense kwiinkonzo ezifanelekileyo kwaye ilandele inkampani yomshuwalense ukuba ibone ukuba kutheni le ntlawulo ayizange ikhokhwe. Ukusebenza ngokucacileyo ekukhuliseni iimpazamo kunokukugcina amawaka eedola.

04 Ukuthetha

Unokumangaliswa xa ufumanisa ukuba ababoneleli ngeenkonzo zonyango banezakhiwo zexabiso eziye zahluka kakhulu, ziphantse zenzeke. Ukuba uhlawuliswa i-$ 1,200 yee-bandages ezimbalwa, unokubambana nabo malunga nayo. Ishishini lonyango libala ukuba awuqondi into ohlawulwa ngayo kwaye bayisebenzisa ngokumelene nawe. Ukuba i-inshorensi ayiyi kuhlawula loo nto, ngoko awuyi kufuna. Bafowunise uze ubaxelele ukuba unako ukukwazi ukuhlawula ngabo bonke xa bengakwazi ukusebenza nawe. Awunakuze uxoxisane nogqirha wakho malunga nalo, uya kuthetha nomabhalana wenkokhelo.

Ukuba awuphilile ngokwaneleyo okanye uzive ukhululekile ukuthetha, khangela kwi-intanethi kwiinkampani eziza kuthethwa ngazo.

05 Yihlawule

JGI / Jamie Grill

Unako ukuhlawula iindleko zonyango, ingakumbi ezincinci, kwisixa-mali ukuba unayo imali kwi- akhawunti yokugcina okanye kwingxowa-mali . Mane ubhale isheke kwaye uyithumele kwidilesi yokubhengeza ibhalwe kwilwayo. Qiniseka ukuba ubhala inombolo ye-akhawunti kwisheke ukwenzela ukuba ungaqhubeki ukuhlawulwa. Ukuba awukhokhanga ibhalansi ngokupheleleyo, biza iofisi yegqirha ukuba ulungise amalungiselelo okuhlawula phambi kokuba ityala ithunyelwe kwi-arhente yokuqokelela.

06 Yenza izilungiso zokuhlawula

Xhumana neofisi yakho yegqirha ukuba awuyikuhlawula ngokutsha i-bill yakho ngokukhawuleza nangona uceba ukulandelelana nenkampani yomshuwalense, ukwenzela ukuba isebe lokuqeshisa liyazi ukuba awuyikunyanzela le ntlawulo. Ukuba unomthwalo wemali, cela icebo lokuhlawula. Qiniseka ukuba ubuyekeze uhlahlo lwabiwo-mali ukuze ufumane oko unokukwazi ukukwenza. Njengaye nawuphi na omnye umrhumo, yenza iintlawulo zakho ngexesha ngalinye ngenyanga. Ngaphandle koko, i-akhawunti yakho ingathunyelwa kwi-arhente yokuqokelela ngaphandle kweentlawulo zakho zangaphambili.

07 Ukuhlawula iibhilidi zezonyango zabantwana bakho - Unoxanduva

DGLimages / iStock

Musa ukuyihoxisa iindleko ezivela kumgqirha wengane yakho okanye ukutyelela kwegumbi lexakeka. Phakathi kweefom osayinayo kwakukho isivumelwano sokuhlawula nayiphi na iindleko zonyango zomntwana ezingakhange zenziwe ngomshuwalense wezempilo. Ukuba awuyikuhlawula umrhumo-mali, kuya kubangela ukuba inkokhelo yakho ityala njengokuba i-bill yakho yonyango.

08 Khangela Ukuba Ufanelekile kwiMedicaid

I-Medicaid yinshuwalense yezempilo kubahlali abanomvuzo ophantsi abangenakho ukuhlawula iindleko zabo zonyango. Imilinganiselo yokufaneleka iyahluka ngurhulumente, ngoko kufuneka uqhagamshelane neofisi yakho ye-Medicaid yaseburhulumenteni ukuze ufumane ukuba ufanelekile. (Umntwana wakho unokufaneleka kwiMedicaid nangona awukho.) Ukuba ufanelekile, iMedicaid ingasetyenziselwa ukuhlawula iindleko zonyango osuvele uzibandakanye, kodwa kuphela ngexesha elithile lithile, faka isicelo ngokukhawuleza emva kokufumana ityala lezonyango.

09 Beka iBhili yoTywala kwiKhadi leMatyala

Akusiyo isisombululo esihle, kodwa xa zonke izinto zingaphumeleli, unako ukubeka ibhilikhi yezokwelapha kwikhadi lakho lekredithi ukuze uligcine ekuthunyelwe kwi-arhente yokuqokelela. Khetha iikhadi lakho lekredithi , nangona kunjalo, ngokusekelwe kwinqanaba lomdla , inkokhelo ekhoyo kunye nezinye iimpawu. Ungabhaliswanga kumakhadi-ngetyala yezokwelapha okanye iimali-mboleko ezinikezwa kwiofisi yakho yezilwanyana ngaphandle kokuthelekiswa nezinye iindlela zekhadi lesikweletu.

Ifayile ye-Bankruptcy

UGary Houlder / Creative RM / Getty

Xa kungabikho esinye isisombululo, unokufuneka ufumane uncedo ngokusebenzisa inkundla yebhanki. Ityala lezonyango liyakususwa ngokupheleleyo xa ufanelekile kwiSahluko sesi-7 okanye ungayihlawula kwiminyaka emithathu ukuya kwemihlanu ngokusebenzisa iSicwangciso seSahluko 13 sokubuyisela. Ukuchithwa kwesinokuba yisisombululo esifanelekileyo, kodwa kubhetele kunokuba kunzima ukufikelela kwiziphumo xa uhlawula ityala lonyango elingaze lihlawulwe.

11 Ukujongana Neengxowa-mali zeMatyala

Ukuba ibhili-mali sele ikhona ne-arhente yokuqokelela, unokulandela amaninzi amanqanaba afanayo. Ungathumela kwakhona ukuyeka kwaye unqatshelwe ileta kwi-arhente yokuqokelela ukuba ufuna ukuba bayeke ukunxibelelana nawe malunga netyala. Qaphela ukuba i- arhente yokuqokelela nayo inelungelo lokunika ingxelo ngetyala kwi-akhawunti yakho ye-credit, ikubophe, kwaye uyihlose umvuzo wakho (kunye nemvume yenkundla).