NgoMthetho ojongene noNonophelo ongenakunceda u-2014, uyafuneka ukuba ube ne-inshorensi yempilo okanye uya kufuneka uhlawule intlawulo. Kufuneka uqonde ukuba kwenzekani ukuba awufumani i-inshorensi yempilo kunye neentlawulo eziya kufuneka uhlawule. Kukho iintlobo ezahlukeneyo ongakhetha kuzo. Kubalulekile ukuba uqwalasele zonke iinketho zakho kunye nokuba i-inshurensi idibana neemfuno ukuze ungapheli ukuhlawula ixabiso. Ukongezelela, ukuba ne-inshorensi yempilo iya kukukhusela ngemali. Kufuneka uqwalasele ngononophelo zonke iinketho ozifumanelayo ngaphambi kokuba ubhalisele isicwangciso. Ndiyingozi ukuba ndiqhubeke ne-inshorensi yezempilo nangona ukuba uMthetho ojongene noNonophelo ongenakunqunyulwa uyagqithiswa.
01 Qala kunye noMyinge woMsebenzi
02 Cinga ngeCwangciso soBala bakho
Umthetho ojongene noNonophelo ongenakunceda wenza ukuba abantu abangaphantsi kweminyaka engamashumi amabini anesithandathu bahlale kwi-inshorensi yempilo yabo yabazali. Oku kwenza kube lula ukugcina ingxelo yakho ngelixa usesikolweni. Kungaba nzima nakakhulu ukuba uya kwiikholeji kwindawo ehlukile, kodwa kuyona ndlela inokukunceda ukuba ugcine imali. Unokusebenzisa le ndlela emva kokugqiba isikolo, kwaye ufuna umsebenzi. Ukuba ngaba abazali bakho banamanye abantwana kwi-inshorensi nkqubo, kungenakuhlawulwa kwakhona ukuba uhlale kwisicwangciso.
03 Hlola iMpilo Yakho yokuTshintshana
Kufuneka ujonge ukutshintshana okunikezelwa ngurhulumente wakho. Ungayifumana eyakho kwi-carecare.gov. Eli sayithi liya kukuqhagamshelisa kwiwebhusayithi ukuba i-state yakho imisele ukuba ufunde ngeendlela ezahlukeneyo ze-inshorensi zempilo ezikhoyo kuwe. Izicwangciso ezintsha zokunakekelwa kwempilo zingahlawuleka ngakumbi kunokuba ucinga okokuqala. Ukutshintshana kufuneka kube nezicwangciso ezahlukeneyo ezifumanekayo ukuba ukhethe kuzo. Uninzi lwamazwe luza kunika izicwangciso ezivela kubanikezeli be-inshorensi ezahlukeneyo
04 Cinga ngeMedicaid
Ukuba ungumfundi onomvuzo ophantsi, okanye ukuba unabantwana, unokufumana ilungelo lokufumana iMedicaid kwiNkqubo ye-Intshuwalense yezeMpilo ezinikezelwa ngurhulumente wakho. Oku kukhetho kufuneka ukhangele ukuba ngaba awukwazi ukuthenga i-inshorensi yempilo ngokwenene. Oku kunokukunceda ukuba unike i-inshurensi kubantwana bakho. Kubalulekile ukuba uqwalasele zonke iinketho ngakumbi ukuba unabantwana. Oku kuya kukuvumela ukuba unakekelwe kwaye uncede kubantwana bakho ukuba awukwazi ukuwuhlawula ngokwakho.
Qwalasela ezinye iikhompyutheni ze-Intshuwalense
Kufuneka uqwalasele nezinye iinkqubo zomshuwalense wabucala. Uyakwazi ukufumana iinketho ze-inshorensi ezithengekayo ngokujonga isicwangciso sakho. Ukuba unempilweni, awuyidingi ukutshintshiselana kwempilo ukuze ufumane isicwangciso se-inshurensi yezempilo. Kufanelekile ukuthetha neenkampani zomshuwalense ngabanye ukuze ubone ukuba iziphi izicwangciso ongazenzayo. Kufuneka ujonge kwiinkqubo zomshuwalense wezempilo .
06 Khetha iSicwangciso Esihle Kwezidingo Zakho
Njengoko ukhangele zonke izinto ozikhethayo, kufuneka uqikelele isicwangciso esilungileyo kwiimfuno zakho. Unqwenela ukuba nesicwangciso onokukwazi ukufumana esikubonelela ngolu hlobo olufunayo. Ukuba unempilweni, isicwangciso esicatshulwayo esiphezulu sinokukhetha. Ukuba awuphilisanga, unokufuna ukhetha isicwangciso sendabuko ohlawule ukuhlawula ngokubambisana rhoqo xa ufuna ukufumana ugqirha. Thatha ixesha lokuqwalasela zonke iinketho. Qinisekisa ukuqinisekisa ukuba isicwangciso sakho siya kufumana phantsi kwezikhokelo.
07 I-inshurensi yempilo yomshuwalense oqhubekayo
Imithetho ye-inshorensi yempilo ingatshintsha, kwaye unokufuna ukufumana i-inshorensi entsha yezempilo ukuba isicwangciso esiye sinikwe njengamanje sinyamalale. Unokulahlekelwa ngumyinge phantsi komqeshi wakho ukuba abangekho kusadingeka ukuba akunikezele ngokukhawuleza. Unokukhangela i-inshurensi yezempilo ngokusebenzisa umthengisi we-inshurensi yempilo, ozimele akunike iiplani ezahlukeneyo nge-premium ehlukeneyo kunye neendlela zokuhlawula. Ixabiso eliphantsi le-premium lithetha ukuba uza kufuneka uhlawule ngaphezulu kwe-pocket, kodwa oku kuyindlela enokwenzeka xa unempilweni okanye ukuba imali iyaxoshwa kwaye ungayifumana ingxelo epheleleyo emva koko. Qinisekisa ukuba ukhangele isicwangciso esihle kwaye ungavumeli ukuba i-cover yakho iphephe, kuba oku kuya kukunceda ukuba ugweme ixesha lokulinda uncedo lomshuwalense wezempilo unokwazi ukufuna kwakhona.