Unokuphela ukuhlawula imali eninzi iminyaka emininzi. Kubalulekile ukucwangcisa indlela yokuhlawula iindleko zonyango lwakho nge-inshurensi kunye nokucwangcisa ngokucophelela. Ukongezelela, unokujamelana nezohlwayo phantsi koMthetho woNonophelo ongenakunqwenelekayo ukuba ukhetha ukuba ungenayo inshuwalense yezempilo.
Izinketho zeIntshumo yezempilo
Ukuba unzima ukufumana i-inshorensi yempilo yakho unokukwazi ukuyihlawula inyanga nganye, jonga ukufumana isicwangciso esiphakamileyo . Esi cwangciso siza kubandakanya iziganeko ezinobungozi ezinokukuphazamisa. Amadalucbles avela kwi-$ 1,000 ukuya kwii-5,000 zamawaka ngamnye ngomntu ngamnye. Eminye imigaqo-nkqubo iya kuphakama. Nangona kunjalo, xa ufikelela kwi-deductible ukukhawulwa kuya kukhangela kunye nokugqithisa yonke into. Kulula kakhulu ukuhlawula i-$ 1,000 ngoko kuya kuhlawula imali engama-30,000 okanye i-$ 40,000 yokuhlinzwa. Ukuba unesihlala esibhedlele esibanzi, singongeza ngokukhawuleza. Iiprayimari ezi luhlobo lwe-inshurensi zinokuhlawuleka kakhulu.
Ngokuqhelekileyo inketho enokuthengisa kakhulu isicwangciso esinikezwa ngumqeshi wakho. Ngamanye amaxesha unokwazi ukufumana ukhetho oluthengathengayo ngokufuna i-inshurensi yempilo yakho . Oku kungafaka isicelo ngakumbi kubaxhomekeke bakho. Akunakwenzakalisa ukuthenga ngeenxa yokufumana umgaqo-nkqubo we-inshorensi yempilo. Njengoko wenza oku, qiniseka ukuba ihlangabezana neemfuno ezibekwa nguMthetho woNonophelo ongenakunciphisa .
Kuthiwani Ngokuhambela Ugqirha Nezinye Iindleko Zonyango?
Ngaphandle kwinshuwalense yezempilo, unokufumana kunzima ukugubungela iindleko zakho ngaphandle kwe-inshurensi yakho. Umzekelo ukuba ufuna i-MRI eyenziwe kufuneka uhlawule imali yakho kunye neendleko ze-coinsurance, oko kuthetha ukuba uvavanyo lunokuqhuba iindidi ezilikhulu leeedola okanye ngaphezulu. Kuyakucasula xa uhlawula i-inshorensi inyanga nganye, kodwa ke awukwazi ukufikelela kumgqirha. Ekubeni iimvavanyo kunye neenkqubo ezininzi zisetyenziselwa ukuncedisa ukugula ngaphambi kokuba nzima kakhulu, ukukhetha ukuphuma ngaphandle kweemvavanyo kungenokuba yingozi kwindlela ekude. Kuyakunzima ukujongana neebhilidi zonyango xa ungaziqhelani. Kukho ezinye izinto onokuzenza ukuze unciphise inani olihlawulayo.
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Ungathengela izibhedlele, oogqirha kunye neekliniki ezibiza ngaphantsi. Kuya kuthatha ixesha elithile kwifowuni, kodwa umahluko phakathi kwamaxabiso phakathi kokukhathazeka okukhawulezileyo kwindawo enokumangalisa ngokwenene. Ukongezelela, unako ukufumana amazinga aphantsi kwiibhedlele ezahlukeneyo kunye nezixhobo zokuvavanya. Ukuba unesi-inshorensi, unokufuna ukudibanisa nabo ukuba ubone apho ungafumana khona amaxabiso aphantsi, nokuba unesetyenziselwa ukugcina imali ngokukhetha esinye isibhedlele kwelinye.
Abantu abaninzi abaqapheli ukuba unokuba ngumsebenzisi onobuchule xa kuziwa kwiinkqubo zonyango kwaye uhambe apho apho oogqirha baxelela khona, kodwa ungathengela iindawo ezifanelekileyo.
Setha iSicwangciso soThumo
Izibhedlele ezininzi kunye neeklinikhi zikulungele ukusekwa isicwangciso sokuhlawula ukuvumela ukuba ufumane iimvavanyo xa uyifunayo kwaye uza kwenza intlawulo yenyanga ukukhawuleza i-deductible. Oku kunokuba yimeko enzima, kuba unokufumanisa ukuba kufuneka ulungise izicwangciso ezininzi zokuhlawula kunye neendleko zingongeza ngokukhawuleza. Nangona isicwangciso sokuhlawula sinika isisombululo esheshayo, sebenzela ukusindisa imali oyifunayo ukuyihlawula imali yakho echithwayo ngonyaka kunyaka- mali engxamisekileyo .
Hlola rhoqo Ups
Ungagcina kwiindleko zakho zonyango ngokwenza uhlolisiso lwakho rhoqo kwaye unakekele izifo ezincinane ngaphambi kokuba zibe zikhulu.
Ukuba uqala ukuziva ugule, kufuneka uthathe ixesha lokufumana unyango ukuze ungapheli esibhedlele nge-pneumonia okanye ufune ukuhlinzwa ngenxa yengozi encinci ukuba ufumene unyameko. Ukukhangela rhoqo i-check ups kuya kukunceda uhlale uphilile kwaye ugcine ungasebenzi kwiindleko zonyango ezinkulu kwixesha elizayo. Unokuphinda usebenze ngokuhlala unempilo ngokuzilolonga nokutya okulungileyo. La manqanaba amancinci aya kuhlawula kwiminyaka kamva ngokunjalo.
Khangela kwiikliniki zamahhala
Ukuba uthe waqhekeka ngokwenene, kwaye ufuna unonophelo lwempilo, kufuneka ufumane. Iidolophu ezininzi zinika iiklinikhi zamahhala okanye iiklinikhi ezinikezela ngeendleko zemali esekelwe kwingeniso yakho. Unokuphinda usebenze isicwangciso sokuhlawula kunye neofisi ezininzi kunye nezibhedlele. Nangona i-inshorensi yezempilo kufuneka inciphise imali oyihlawulayo, kufuneka ufumane unyameko. Uya kuhlawula ngaphantsi xa uya kugqirha ngokuchasene nokunakekelwa okukhawulezileyo okanye esibhedlele. Ukuba unesifo esingapheliyo, unako ukufumana uncedo ngokuzenzekelayo uncedo kwiibhili zakho ngeMedicaid. Xhagamshelana nomsebenzi wasentlalontle kwisibhedlele okanye kwinqanaba lakho ukuba ubone ukuba unokufumana uncedo olungakumbi.