1. Ikhampani ye-inshurensi yezempilo ye-Health for Satisfaction Over- Kaiser Permanente
UKaiser Permanente uzuze umvuzo we-JD Power kwi-2017 ye-Medicare Advantage Study, ubeka amanqaku ama-5 kwi-5 kuzo zonke izigaba; ukwaneliseka jikelele, ulwazi kunye noqhagamshelwano, ukhetho lomnikezeli, inkonzo yamakhasimende, indleko kunye neenzuzo zokufikelela.
Xa kuninzi ukuya kuKaiser Permanente, kulula ukubona isizathu sokuba le nkampani ibe ngumqhubi ophezulu xa kuziwa ekukhetheni umshwalense wempilo. Ukufumana inkxaso evela kuKaiser Permanente, kufuneka uhlale okanye usebenze kwezinye zeenkonzo: iNyakatho yeKalifornia, i-Southern California, iColorado, i-Georgia, iHawaii, i-Midtlantic States (iSithili saseColumbia, eMargan naseVirginia) kunye neNyakatho-ntshona (iOregon neWashington ).
2. I-Intshurensi yeMpilo ephezulu kwiNyulo yoMboneleli- iBlueCross / iBlueShield
I-Blue Cross / Blue Shield nayo yafumana ama-95 kuma-100 amanqaku kumsebenzi wabathengi kwaye yayisisigxina se-insurer ngokukwaneliseka kwabathengi kwi-insure.com rankings. I-Blue Cross Blue Shield (i-BCBSA) inemibutho engama-inshorensi yempilo engama-30 ehlukeneyo e-United States kwaye kulula ukufumana ababoneleli bezempilo abamkela i-Blue Cross kwaye banokukhetha okukhethayo kumniki-nkonzo kungakhathaliseki ukuba e-US. .
3. I-Intshurensi yeMpilo ejongene neNtlawulo yokuBangelwa kweMangalo-uphawu oluphezulu
I-JD Power & Associates inikezela i-Highmark 4 kwiinkwenkwezi ezi-5 ukwenzela ukwaneliseka kwabathengi kwindlela yokuphathwa kwamabango. I-Insure.com iphinde inike i-Highmark nge-4.5 kwinqanaba leenkwenkwezi ezi-5 kwindlela yokuphathwa kwamabango. I-Highmark isebenza njengenxalenye yentsapho yeBlue Cross / Blue Shield kwaye iyinkampani enkulu yomshuwalense wezempilo kwi-Eastern United States.
Inkampani inesilinganiselo "A +" ngeBusiness Business Bureau. Izicwangciso zezempilo zinikezelwa ePennsylvania, eDelaware naseWest Virginia ngokukhonza amalungu angaphezu kwezigidi ezi-5.
4. I-Intshurensi yeMpilo efanelekileyo kwiNdleko- Humana
Inkampani ye-Humana Insurance ithole iikholeji ezi-4.5 kwezi-5 kwi-Insure.com rankings kwixabiso lentengo esekelwe kwimiphumo yokuhlola ukwaneliseka kwamakhasimende. U-Humana uphinde ahlawule iinkwenkwezi ezi-4.5 kwi-5 ezivela kwi-Insure.com kwiindidi zenani lexabiso kunye neenkonzo zamabango. I-Humana inikeza izicwangciso zempilo kuwo wonke amazwe ase-Unites kwaye ine-"A +" ngeBusiness Business Bureau. U-Humana unikeza ukhetho olubanzi lwemigaqo-nkqubo kunye nexabiso lokukhuphisana ngemveliso ye-inshorensi yezempilo kuquka nezicwangciso zempilo ngamnye, izicwangciso zenkxaso ye-Medicare kunye neeplani ze-inshorensi yezempilo.
Yiyiphi i-inshurensi yempilo oyifunayo?
Ukugcina i-premium yomshuwalense wezempilo yakho kubalulekile, kodwa akufanele kube yinto kuphela ekucingayo xa ufuna ukuthenga umgaqo-nkqubo we-inshorensi yempilo. Ufuna ukukhangela umgangatho wenkcazo ofumana kuyo imali yakho. Ngamanye amagama, ngaba umgaqo-nkqubo oyithengayo ngokwaneleyo uhlawula iindleko zonyango ongazenzayo? Ukuba unelungu lentsapho elinenkinga yonyango okanye isigulo esingapheliyo, kufuneka uhlolisise umgaqo-nkqubo wenkampani ngokuphathelele kwiimeko ezikhoyo ngaphambili.
Kufuneka ufumanise ukuba uya kukwazi ukusebenzisa umnikezeli ozikhethile okanye ukuba uya kufuneka usebenzise isikhungo sokunakekelwa kwezempilo okanye ugqirha ngaphakathi kwinkonzo yomncedisi wenqweno. Oku kuya kuxhomekeka kumgaqo-nkqubo owukhethayo. Ngomgaqo-nkqubo, unokukhetha umboneleli wakho, kodwa ezi zi-premiums zivame ukubiza. Ukuba uthengisa icebo usebenzisa i-HMO okanye i-PPO, ii-premiums zakho ziza kukubiza kakhulu.
Khangela kwiimigaqo-nkqubo okanye ucele i-inshente yakho ye-inshorensi ukuba kukho iinkqubo ezithile zonyango ezingafihlakeleyo okanye zifakwe kwixabiso elincinci. Qaphela ukuba iintlawulo zonyango lononophelo, iinkqubo zonyango, unyango lokungabikho komntwana kunye nemithi yokugonywa kweemithi eziyingxenye yezilingo zamachiza akunakucetyiswa kwi-inshorensi yempilo yakho. Amaxesha amaninzi kukho imigaqo-nkqubo eyongezelelweyo ongayithengela ukufihla ezi ntlawulo.
Buza igosa lakho le-inshorensi ukuba ungene kwiinkcukacha ezingakumbi xa unokungabaza malunga nokuba uya kuhlawulwa intlawulo.
Yiyiphi iBhajethi yakho?
Nangona ufuna ukufumana uncedo olungcono lwezempilo, unokufuna iinkqubo ze-inshorensi zempilo eziya kufumana kwisabelomali sakho. Khangela inkampani enika abathengi bayo ezininzi iinkqubo ezahlukeneyo zomgaqo-nkqubo. Unako ukufumana i-inshorensi yempilo engundoqo ukuze uhlawule iimfuno zezempilo ezibalulekileyo nangona uhlahlo lwabiwo-mali oluphantsi. Ukugcina i-deductible ephezulu kuya kunciphisa i-premium yakho ye-inshorensi yempilo. Njengoko uhlahlo lwabiwo-mali luyakwandisa, unako ukongeza ukhetho okanye utshintshe umgaqo-nkqubo wakho ukukhupha ezinye iindleko zomshuwalense wezempilo. Unokwenza oku ngokutshintsha isicwangciso sakho okanye ngokukhetha i-deductible ephantsi. Iinkampani ze-inshorensi zempilo zonyango zibonelela ngezicwangciso ezahlukeneyo zokudibanisa zonke iintlobo zentsapho kunye nebhajethi.
Izixhobo zokuthelekisa
Kukho indawo ezininzi zee-inshorensi zempilo ezingakunceda ufumane i-inshurensi yempilo efanelekileyo kwaye unikezela ngeyona ndlela ingcono ye-inshorensi yempilo ngokusekelwe kwiimfuno zakho zempilo kunye nohlahlo lwabiwo-mali. Kulula ukuthelekisa "iiapulo kwiipulo" ukuba unokwazi ukujonga uhlangothi oluphakathi. Nazi izixhobo ezimbalwa zokuqalisa: Cwangcisa i-Finder esuka kwi-Healthcare.gov, isixhobo sokuqhathaniswa kweHealth, i-QuoteWizard okanye iAssurance.com.