Intshuwalense yexesha elide ikunika ukhetho.
Kutheni ukuthenga i-inshorensi yonyango? Ngezantsi zizathu ezintathu ezifanelekileyo.
1. Ufuna ukukwazi ukufikelela ekunyamekelweni komgangatho ngokukhawuleza.
Ukuba ufuna uncedo kwaye ungenayo yomshuwalense wexesha elide, wenzani? Ufumana uncedo oluvela kwintsapho kunye nabahlobo, uhlawule ngaphandle kwipokoth, kunye / okanye uhambe kwiMedicaid.
Ukufikelela kwiinkonzo zononophelo lwexesha elide kufuneka ufune uncedo olwenza ezimbini kwizinto ezintandathu zempilo yokuphila kwansuku zonke . Le mi sebenzi efana nokuhlamba, nokugqoka.
Njengoko uneminyaka ubudala kwaye uqala ukufuna uncedo kwezi zinto, abaninzi abantu bathembela kwiqabane okanye abanye abathandekayo kuqala.
Ukuba awunayo i-inshurensi kwaye ufuna unonophelo, uchithe phantsi ifa lakho ukuze ukhokhelele ukunakekelwa xa usapho kunye nabahlobo bengabikho ukhetho. Ukuba ufuna ukunyamekela ixesha elide kwaye uchithe yonke i-asethi yakho, ngelo xesha uqeqesho lwenkonzo karhulumente luza kuthatha iindleko zonyango lwakho kwiziko loongikazi olufanelekileyo.
Uyakwazi ukufumana uncedo ngokukhawuleza xa unomshuwalense wexesha elide ngenxa yokuba uyazi ukuba uya kuba nemali yokuyihlawula. Esi sizathu sezizathu zokuthenga abantu bolu hlobo lwe-inshurensi-ngoko banako ukufikelela kwenkathalo ngokukhawuleza, kwaye bangasebenzisa imali yenkampani yomshuwalense ukuba bahlawule.
2. Unokuba nebango elide elibi.
U-Jesse Slome, uMlawuli oyiNtloko we-American Association yoLondolozo lweNkxaso yexesha elide wachaza ibali lenye yezona zibango ezinde kakhulu kwiirekhodi: ibhinqa elihlawule i-$ 12,000 kwiiprayimari kwiminyaka embalwa nje, ibe ne-$ 1.2 yezigidi kwiinkonzo zokunyamekela kwexesha elide. kwiminyaka eyi-15 ezayo.
NjengoYese wathi, "Ngaba unenhlanhla? Hayi. Andiyicingi ukuba umntu uya kumthiya inhlanhla. "
Wayethenge inshuwalense yexesha elide ukwenzela ukuba iindleko zakhe zigqitywe, kodwa ndiqinisekile ukuba yena kunye nentsapho yakhe banqwenela ukunakekelwa kwexesha elide abazange bavele kwindawo yokuqala. Ukuba uthenge inshorensi yenkxaso yangexesha elide, masithemba ukuba awuyidingi.
Ukuba wenza, ke, uyavuya ukuba unayo.
3. Ufuna inkululeko yokukhetha.
Xa uthenge inshorensi yonyango elide uza kuba nezibonelelo eziyimfuneko ukubonelela ngononophelo lwekhwalithi, kwaye uya kuba nako ukukhetha indlela kwaye uyifumana phi le nkathalo. Abo bangenazo izibonelelo zabo ngokwabo, okanye abo bangathengi i-inshorensi yokunyamekela kwangexesha elide, abayi kuba neenketho ezininzi. Ngaba oko kuthetha ukuba wonke umntu kufuneka aphume kwaye athengise inshorensi yokunakekelwa kwexesha elide? Hayi, njenganoma yiyiphi isigqibo sezimali, kufuneka ufundise ngokwakho, uhlolisise i- pros and cons , kwaye wenze isigqibo esilungileyo.
Ukuthenga i-inshorensi yesikhokelo eside
Okokuqala, thetha nomcebisi wezezimali onokuthenjelwa malunga nokuba unonophelo lwe-inshorensi yexesha elide unengqiqo kuwe. Ubunzima bunzima kwaye ngamanye amaxesha buninzi. Qinisekisa ukuba imeko yakho yezemali yenza ukuba ulungele. Kubantu abaninzi, impendulo nguyebo.
Okwesibini, qalisa ukuthenga ixesha elide ngaphambi kokuba ufune uncedo. Awukwazi ukuqikelela ikusasa kodwa ukuba ulinde de ube sele uhlala umhlalaphantsi kwaye sele unemiba yezobugqirha, unokutshintshwa okanye ama-premium aphakamileyo kakhulu ukwenzela ukuba ube yinketho ehlakaniphile okanye eyenzekayo. Ukuba ungaphantsi kweminyaka yobudala engama-50, umngcipheko wokunqatshelwa kwekharityhulam ngowama-11% kodwa loo nani inyuke kwi-45% ukuba uneminyaka engama-70.
Ngokweendleko, umntu oneminyaka engama-55 ubudala kufuneka alindele ukuhlawula phakathi kwe-$ 1,300 kunye ne-$ 2,500 ngonyaka ngomgaqo ohlawula i-150 $ ngosuku. Iindleko ziyahlukahluka ngokusekelwe kwiinkcukacha zomgaqo-nkqubo.
Ukuba uthenge inshurensi yenkxaso yenkxaso yexesha elide ukususela kuma-50s okanye ama-60s, qonda ukuba wenze ukuzinikela kwexesha elide. Unokuhlawula iiprayimari iminyaka engama-20 ngaphambi kokuba umgaqo-nkqubo uqale ukuhlawula iinkonzo. Ukuba unethamsanqa, umgaqo-nkqubo awuyi kuhlawula kodwa unalo uxolo lwengqondo ukwazi ukuba iifayili zakho azizange zichithe ngenxa yeengxaki zempilo kamva.
Kukho ezinye iindlela zokunakekelwa kwinshurensi yenkathalo yenkathalo yesikhathi eside , njengokunakekelwa kwelinye ilizwe, okanye ukuthenga kwi-Community Care Care. Nangona kukho ezinye iindlela, abo basemhlala-phantsi baya kufumana ukuba kukho uxolo-lwengqondo oluvela ekubeni ne-inshorensi yonyango yenkxaso yenkcubeko.