Abanye abaqeshi baya kufuna kwakhona isenzo kwinqanaba lakho okanye ungabhaliswa kwiiplani. Kubalulekile ukuba ufunde ngokucophelela amaxwebhu anikwe wona ukuze wenze utshintsho olufunekayo kwaye ugcine inzuzo yakho yomqeshwa. Ukubhalisa okuvulekileyo ixesha elide lokujonga isixa osenzayo kumhlalaphantsi kwaye ubone ukuba unako ukwandisa.
Iimfuno zam Ziyitshintshile njani lo nyaka?
Okokuqala, kufuneka uqaphele ukuba iimfuno zakho zitshintshile kunyaka ophelileyo, okanye ukuba ziya kutshintshwa kunyaka ozayo. Umzekelo, ukuba uneminyaka engama-20 ubudala, mhlawumbi ubekho kwi-inshorensi yempilo yabantwana bakho, kodwa ukuba uphendukela kwi-26 uya kuguga kwaye kufuneka ufumane ingxelo. Kulula ukubhalisa ngexesha lokubhalisa okuvulekileyo. Kwakhona, i-inshorensi yamazinyo ayinangqiqo xa ungatshatanga, ekubeni iiprayimesi zihlala ziphantse kwixabiso eliza kulukhupha, kodwa lingenza ingqiqo xa unabantwana ukubeka isicwangciso.
Ukongezelela, unokufuna ukuqala ukusebenzisa i-Akhawunti ye-Flexible Spending kwi-daycare okanye iindleko zempilo ukuba iimfuno zakho zitshintshile.
Utshintsho lweziCwangciso?
Xa ufumana izixhobo zakho zokubhalisa ezivulekile, kuya kufuneka ufune utshintsho kwizicwangciso ezinikezelwayo. Unokubona ukungafani kwamanye ama-premium kwizicwangciso, kodwa kunye nokuchasana ngokucacileyo kwi-coinsurance kunye nemali ye-copayment.
Kufuneka ujonge kwakhona ukuba ubone ukuba kukho ixabiso elincinci. Ngokuxhomekeke kubukhulu bomqeshi wakho, unokuba nezicwangciso ezahlukeneyo zokukhetha. Umqeshi wakho unokubonelela ngesicwangciso se-inshurensi yezempilo ephakamileyo ephezulu okanye inkqubo yomshuwalense wezempilo . Kufuneka uqwalasele iindleko zakho zokuphuma ngaphandle kweprogram nganye kunye nokuzifumana ukuba uya kudibana nezo maxum. Oku kungatshintshwa unyaka unyaka. Ngokomzekelo, ukuba unempilweni kwaye ungatshatanga, isicwangciso esiphakamileyo esincitshiswayo sinokuba yindleko yokugcina imali, kuba unqabile ukuya kudokotela. Nangona kunjalo, ukuba uceba ukuba nomntwana kunyaka ozayo, ungagcina imali ngokukhetha isicwangciso se-inshorensi yempilo. Unokongeza iindleko zesicwangciso esithile ukufumana enye engcono imeko yakho.
Ziziphi iinguqu kuBoneleli?
Kufuneka uqwalasele ukuba ngaba kukho utshintsho kubaboneleli ngeenzuzo zakho. Umqeshi wakho unokutshintsha iinkampani ze-inshorensi ngokuxhomekeke kwiindleko ezipheleleyo kubo. Ukuba kukho utshintsho kubanikezeli bomshuwalense, ugqirha wakho okanye ugqirha wamazinyo angasayi kugutyungwa phantsi kwesicwangciso se-inshorensi entsha. Uya kufuneka uhlolisise nenkampani yakho yomshuwalense ngaphambi kokuba uhambe ugqirha ukuze uqinisekise ukuba ukhuselwe kwaye uphephe iindleko ezingaphandle kweenethiwekhi okanye ukuphika amabango.
Kwakhona kukho utshintsho kwiendlela ezicwangcisiweyo ngayo. Ukubambisana kungadinga ukuvunywa kwangaphambili okungekho ngaphambili. Kusenokwenzeka ukuba ufuna ukufaka iibango zakho ngokwakho iinkqubo. (Oku kunokwenzeka ukuba kube njalo ngombono okanye inshurensi yamazinyo.)
Iyintoni Intshurensi Endiyifunayo Ngempela?
Kwakhona kubalulekile ukuqwalasela i-inshorensi oyifunayo ngokwenene. Ukuba awunayo imvelaphi yentsapho yomhlaza, ngoko usenokuba usuqhekeza i-inshurensi yomhlaza. Ngokufanayo, ukuba awugqoki iiglasi, awuyidingi imboniselo yomshuwalense. Unako ukusifaka rhoqo kwisikolo sakho sokubhalisa esilandelayo ukuba uyayidinga kamva. I-inshorensi yobomi besikhokelo kufuneka ithengwe ngokuzimela ngaphandle komsebenzi wakho ukwenzela ukuba i-coverage yakho iya kuqhubeka xa utshintshe imisebenzi kwaye akufanele uxhalabe ngoku ngokubhengezwa.
Xa usemncinci nakwii-20s nakwii-30s zakudala, unganakho ukufuna inshurensi yokukhubazeka kwexesha elide, kodwa xa ufikelela kuma-40s, unokufuna ukucinga ukuba uyifumana.
Izinto Ziza kuthinta njani i-Pay-Home Pay?
Izinto zokugqibela omele uziqwalasele ngolu hlobo kukuba izibonelelo zakho ziya kukuchaphazela njani uthathe umvuzo wekhaya. Kubalulekile ukuqaphela ukuba ezininzi zezibonelelo ziya kuphuma phambi kwentela. Oku kunciphisa ingeniso yakho yerhafu kwaye kunokukwenza ukuba ungayiqapheli utshintsho oluninzi. Imali oyithathayo kwi-akhawunti yakho ye-Flexible Spending Account ukukunceda izinto ezinjengeendleko zonyango kunye nokunyamekelwa kwamasango kunokunciphisa ukuba uthathe i-pay pay home, kodwa akukuchaphazeli ngokwenene kuba sele usele uhlahlo lwabiwo-mali, kodwa zisasazeka kunyaka wonke. Ungaphinda ufune ukuqwalasela ukuba iindleko zokusebenzisa i-inshorensi yakho yezempilo ziyakuthintela njani uhlahlo lwabiwo-mali. Ingqiqo enhle ukuba imali ibekelwe bucala ukukhupha i-deductible yakho ukuze ukwazi ukusebenzisa i-inshorensi yakho yempilo xa uyayidinga.