Xa ukhetha ukuhamba ngaphandle kwe-inshorensi yezobisi uza kufuneka ulungele ukujongana nemiphumo. Izicwangciso zonyango ezingenakulungiswa okanye zingaphakanyiswa zingadala imali encinci. Xa ungenayo inshuwalense unembopheleleko yokuhlawula ikhulu leepesenti zeendleko. Ukuba awukwazi ukufumana i-inshorensi yempilo, kuya kufuneka usebenzise indlela efanelekileyo yokujongana neendleko zakho zonyango. Ngenxa yokunyuka kweendleko zempilo, abaninzi abantu bakuthola kunzima ukufumana iindleko zonyango kunye ne-inshorensi. Kubalulekile ukuba usebenze ngenxa yokuba iibhilidi zonyango zingakhokelela ekubanjweni. Ukuba awunayo i-inshurensi uzama ukufumana isicwangciso nge- Care Affordable Act kwaye ubhalise ngokukhawuleza.
01 Sithengela oogqirha, ii-Cares eziphuthumayo kunye nezibhedlele
Izibhedlele ezahlukeneyo kunye noogqirha bahlawula iintlawulo ezahlukeneyo zokutyelela. Biza ngeenxa zonke uze ufumene umrhumo oqhelekileyo wokuqeshana ngaphambi kokuba ugula, ngoko uyazi ukuba yiphi indawo encinci. Umzekelo, enye indawo yokunyamekela ngokukhawuleza ihlawulise i-$ 65 kuphela ukuba iqeshwe, into engaphantsi kunezinye izinto ezikhawulezayo kwaye zingaphantsi kweento ezininzi ugqirha abazenzayo ngokutyelela rhoqo. Izibhedlele zinamanani ahlukeneyo kwenkqubo. Ukuba awunamathele phantsi kunethiwekhi, ngoko kufanelekile ukwenza iifowuni ngaphambi kokuba ugula ukuze wazi apho ungaya khona ukugcina imali. 02 Cela iiRhafu eziNciphise okanye uhlawule Ngaphambili
Iiofisi ezininzi zogqirha ziya kukuhlawula ixabiso eliphantsi ukuba awunayo inshorensi, kodwa kufuneka ucele isaphulelo. Kwezinye iinkonzo, isibhedlele kunye nodokotela angakunika isilinganiselo esincitshisiwe ukuba uhlawula oko kwangaphambili. Ngokomzekelo, ungagcina imali xa uhlawula umntwana ukuhanjiswa kwangaphambili, endaweni yokuhlawula emva koko. Olu khetho lunokufumaneka kwiimvavanyo zonyango okanye ukuhlinzwa okhethwayo, ngokunjalo. Nangona oku akunakuncedo kwimeko engxamisekileyo, kunokukugcina imali eninzi kwiibhilidi zakho zonyango. 03 Ifowuni kwaye uyihlawule ngemali
Emva kokuba ufumene i-bill yebhedlele kufuneka uqhagamshelane ngokukhawuleza kwaye usethe isicwangciso sokuhlawula. Ngokuqhelekileyo isibhedlele siya kunika imali ephantsi yokuhlawula ukuba unokuhlawula loo mali ngokukhawuleza ngokukhawuleza. Ukuba unayo imali kufuneka uyenze oku, ngaphandle koko kufuneka ubeke isicwangciso sokuhlawula ngokukhawuleza. Ungalindi ukubiza kunye nokuthetha ngeenkqubo zokuhlawula, kuba isibhedlele okanye i-ofisi yegqirha inokuthumela kwi-arhente yokuqokelela ngeentsuku ezingamashumi asithoba. Kunzima kakhulu ukuxoxisana nemigangatho ye-arhente yokuqokelela. 04 Gcina kwiMida
Buza ugqirha wakho ngeesampuli zamahhala xa ekunika umyalelo. Ngokuqhelekileyo baneetoni zeesampuli zamahhala ezifumanekayo ukunika izigulane. Ukongezelela, unokucela iziyobisi eziqhelekileyo kwikhemistri kunye noogqirha wakho, okungekho indleko ekuzalisekeni. Unokufumana ilungelo lokufumana uncedo kwinkqubo yokuncedisa imithi. Iinkampani zamachiza zinokukunceda ukuba ufumane amayeza ngexabiso onokulifumana. Zithengele iifasim ezinikezela ngemali encinane. I-Walmart ineluhlu lwamachiza abanikezela ngama-$ 4 nje. Thatha uluhlu nawe xa uya kugqirha ukuze ubone ukuba nayiphina imishishini edwelisiweyo iya kusebenza kwimeko yakho. 05 Misela iAkhawunti yokuSindisa ukuThengisa iindleko zonyango
Ukuba ukhetha ukungena-inshorensi yezempilo kufuneka ubeke imali ecaleni kwenyanga nganye ukuhlawula iindleko zonyango. Zama ukusindisa ubuncinane i-$ 100 ngenyanga ukugubungela iindleko zegqila kunye neyeza. Nangona kunjalo, ukuba ubuya kugula kakhulu ngaphandle kwe-inshorensi, unokunyanzelwa ukuba uvakalise ukuchithwa. Ukongeza, ukuba ukhetha ukungena ngaphandle kwinshuwalense yezempilo, uya kuhlangabezana neefayili ezongezelelweyo phantsi koMthetho wokuNakekelwa ongenakunciphisa. Uya kufuneka ubeke eceleni imali ukuze uhlawule loo ntlawulo. Iintlawulo ziya kubakho xa uhlawula irhafu yonyaka. Ukongezelela, ihlawulwe ngumntu ngamnye kwintsapho yakho. 06 Cinga ukufumana iIninshurensi
Ngona ubuncinci bacinga ukufumana i- inshurensi yempilo ephezulu echithwayo kunye ne-akhawunti yokulondoloza impilo. Le nkonzo yomshuwalense iyona ndlela yindleko encinci, kwaye iya kukukhusela ukuba udinga ukuhlinzwa ngokukhawuleza okanye ugula kakhulu. Kumele uhlawule zonke iindleko zakho ngaphandle kwe-pocket uze udibane ne-deductible yakho, kodwa ke zonke iindleko zakho zonyango ziya kuhlawulwa ngokuzeleyo kulo nyaka wonke. I-akhawunti yokulondolozwa kwempilo ikuvumela ukuba wenze umrhumo wokusebenzisa ukukhangela kwakho kwaye awuyi kuhlawulwa nayiphi na inzala. Imali kule akhawunti yenza i-rollover unyaka unyaka, okwenza kube lula ukugcina ixesha elide. Intshuwalense yezempilo yinto oyifunayo. Kufuneka kuthathelwe ingqalelo kuba kuyimfuneko kuba ikhusela kwii-billing zonyango kwaye ikuvumela ukuba ufune unyango lwezempilo xa uludinga, olunokuthintela iingxaki ezincinci ukuba zingaguquki zibe zibi kakhulu.