Indlela Abasetyhini Abafuna Ukucinga Ngayo Ngomshuwalense Wezempilo

Kukho ezinye izinto abesifazana abangcono kunamadoda. Ukunyamekela impilo yabo akuyona enye yazo. Ngokutsho kwiphando lwakutshanje olusuka kwi-ZocDoc, indawo yeemarike zempilo yedijithali, xa igule, i-sibini yesithathu yabasetyhini iyakulindela ngaphandle kokwenza ukuba kuqeshwe udokotela ngokukhawuleza (isiqingatha sabantu sithetha okufanayo). Okuxhalabisayo ngakumbi, abafazi banamathuba amaninzi kunokuba amadoda aphelise ukunakekelwa kokuthintela .

Imali inokuba yinto enkulu ebangela ukuthambekela kwabasetyhini ukuyeka ukunakekelwa - okanye ukuyiqhekeza ngokupheleleyo.

Yingakho abasetyhini bafanele bacinge ngendlela efanelekileyo malunga ne-inshorensi yabo yezempilo. Kwaye ukuba ungomnye wama-40 ekhulwini kwabasetyhini ababhalisayo kwi- inshorensi yempilo ekhusele umlingane wakho kunye / okanye abantwana, oku kubaluleke nakakhulu. Nakhu okufuneka ukwazi.

Intshuwalense ayiguqukanga

Abasetyhini baneenkxalabo zempilo ezahlukileyo ezifuneka ukuba zilandelwe xa zikhetha isicwangciso se-inshurensi yezempilo. Kwaye utshintsho oluya kuMthetho woNonophelo olungabonakaliyo kunye neminye imithetho yokunakekelwa kwempilo ingabonisa iingxaki ezintsha kubasetyhini abafuna ukufikelela.

Kodwa ngoku, i- Obamacare isaphila- kwaye oko kuthetha ukuba unomshuwalense, ukunakekelwa kwakho okuthintela ukukhusela, kutsho uNate Purpura we-ehealth.com. Oko kubandakanya ukutyelela kwindoda ehamba kakuhle yonyaka, i-HPV immunizations (eyokuthi, ngendlela, amadoda amancinci kufuneka afumaneke kwakhona), kunye neminzana kwiminyaka emibili ngaphezu kweminyaka engama-40. "Abantu abaninzi abazisebenzisi ngoku," i-Purpura amanqaku .

"Ichasene nembono yokubambisa kwangaphambili kwaye siyiphathe." Ukunakekelwa koMama kuhlanganiswe. Ngama-95 ekhulwini ukuya kuma-100 ekhulwini kwiindleko zokukhulelwa.

Njengoko limi ngoku, isihlomelo sokuba ngumfazi sele siphelile. Ngaphambi kokungena kwinqanaba le-ACA, ukuba uthengela i-inshurensi yezempilo ngokwakho (ngokuchasene nokuyifumana kumqeshi), kubiza ngakumbi ukuba ungumfazi.

Yimalini? Umyinge we-$ 34 ngenyanga, okanye i-$ 400 ngonyaka, ngokwe-Health. Akunjalo okwenyaniso. Ngaphazamiso, "akukho nto iguquguqukayo xa ukhetha izibonelelo zakho ," kusho uPurpura. Enyukayo, "yonke into ihlanganiswe kwaye isicwangciso senqwelo-mali asiyi kufikelela [ngaphezulu kweendleko] ukuba ungumfazi."

Fumana ngokucacileyo malunga noogqirha kunye nemiyalelo

Kukho inkolelo jikelele yokuba amabhinqa athembeke ngakumbi kunamadoda. Kodwa uphando ngeYunivesithi yakwa-Erasmus kaStijn van Osselaer befumene ukuba akunjalo. Amadoda athembeke kwimibutho, kodwa abafazi banako ukuxabisa ubudlelwane ngabanye. Ngaloo ndlela, sinyanisekile kubadlali bezinwele zethu, abathengi bethu abathandayo kwaye, ewe, oogqirha bethu.

Ngoko ukuba uziva unyanisekile koogqirha - okanye nokuba ukhululekile kunye nabo - ke qiniseka ukuba bayamkela isicwangciso se-inshorensi oyikhethayo ngexesha lokubhalisa okuvulekileyo. Ukuba ucinga ukuba unyaka unokukhulelwa, yenza ngokuqinisekileyo ukuba i-OB / GYN ofuna ukuyisebenzisa isicwangciso sakho. Emva kwakho konke, ukuba uhlawula ngaphantsi isicwangciso kuthetha ukuba ugqirha wakho ozithandayo awunakutyhulwa, kwaye ujikeleza ugqirha ugqirha ungaphantsi ngenxa yoko, kufuneka uhlawule imali encinane ukuba ufumane i-inshorensi oyisebenzisayo.

Kwaye ngelixa ulapho, qiniseka ukuba nayiphi imimiselo oyithathayo ifunyenwe, ngokunjalo.

Iinkathazo Zakho zeMpilo ziyahlukileyo - kwaye kufuneka ziqhube isigqibo sakho se-inshurensi

Masibeke iingenelo zokubeletha ngaphandle kwexesha (kuba, njengoko sibonile, bahlala behlanganiswa) kwaye bagxininise kwezinye izinto ezintathu zezempilo ezifunekayo ngabasetyhini.

1. Isifo sentliziyo. Yibangela ebangela ukufa kwabesetyhini eUnited States, ojongene nokufa kwabangama-4 kwabafazi ngonyaka.
2. I-Cancer, isibini esongela impilo yowesifazane. Ngokuchasene neenkolelo eziqhelekileyo, umdlavuza webele awuyona into ebulalayo kakhulu apha - loo ntlonelo engathandabuzekiyo iya kumdlavuza wamaphaphu, ojongene nokufa kwabantu abangama-71 000 ngonyaka.
3. Isisu, esibangelwa iipesenti ezi-6 kuzo zonke iintlobo zokufa kwabasetyhini, kodwa kwakhona yimbangela ebangela ukukhubazeka kwexesha elide; Iipesenti ezingama-60 zazo zonke izibetho zenzeka kubasetyhini.

"Ukuba usengozini yeengxaki kuzo naziphi zezi zifo, unokufuna ukucinga ngesicwangciso esincinci ," kusho u-Jennifer Fitzgerald, i-CEO ye-inshurensi yemeko ye-inshorensi PolicyGenius.com. Uza kuhlawula ngaphezulu komgaqo-nkqubo wakho, kodwa ukuba unesiganeko, iindleko zakho ezipheleleyo ziya kubalwa.

Fumana i-Physicals yakho ngoku

I-InsuranceQuotes.com kutshanje ikhuphe ingxelo ejongene nobungozi bempilo yabasetyhini ngokukodwa phantsi koMongameli uTrump. "Sicinga ukuba ukunakekelwa kokuthintela kuya kuqhubeka," utshilo uLaura Adams, uMcwaningi oPhezulu we-Intshurensi. "[Nangona kunjalo,] into ekhethekileyo malunga ne-Obamacare kukuba badibanise iinkonzo ezininzi zamabhinqa njengononophelo lokukhusela-umzekelo, ukulawulwa kokuzalwa." Ukunyamekela okuthintelo kulolu hlobo, uthi, unokuhamba ngaphantsi kweyiphi indawo e-Obamacare.

Oku kuthetha ukusetyenziswa kwezibonelelo ezikhoyo kumgaqo wakho wangoku, pronto. "Yenza ukutyelela kwakho kwonyaka," i-Adams ibonisa. "Ngeli xesha elizayo kunyaka ozayo, olu hlobo lokubhengezwa lungaba lucebile kubafazi."

Kunye noKelly Hultgren