I-inshorensi yexesha elifutshane yempilo ibandakanya iindleko zokunakekelwa kwempilo kwixesha elifutshane. Imigaqo-nkqubo emininzi iza kubandakanya enye, iinyanga ezintathu okanye ezintandathu. Zigubungela iindleko ezinkulu zonyango kwaye azibandakanyi ukutyelela ngokufanelekileyo okanye ukuhlolwa konyaka. Zenzelwe ukukukhusela kwimeko yengxamisekileyo yonyango kwaye abaninzi abahlangabezane neemfuno ezibekwe nguMthetho woNonophelo ongenakunciphisa. Ininzi yenkxaso-nkqubo ye-inshorensi yempilo yexesha elifutshane iya kubandakanywa iimeko ezithile
Awuvumelekanga ukuba ukhulelwe okanye ukuba lakho iqabane likhulelwe.
Xa ndifanele ndisebenzise i-inshurensi yexesha elifutshane lempilo?
I-inshorensi yexesha elifutshane yonyango ingaba isisombululo esipheleleyo ukuba unenyanga okanye ezimbini phakathi kwe-inshorensi yempilo. Unokuzibuza ukuba wenzeni ukuba awufuni ukusebenzisa inkcitho ye-COBRA yakho ebiza kakhulu, kodwa unengxaki yokungena ngaphandle kwinshuwalense yezempilo ngelixa ufuna umsebenzi omtsha, ulinde inshuwalense ukuba uqale emsebenzini omtsha okanye xa ulindele ekuqaleni kwenkcazo yakho kwisicwangciso se-inshurensi esizimeleyo. I-inshorensi yexesha elifutshane yezempilo inokunika ixabiso eliphantsi, ithuba elifutshane elikufutshane lokukunceda ukuzalisa izikhewu onayo. Bangakunceda ukuba ugweme ukuhlawula iindleko zonyango ngaphandle kwinshorensi yezempilo .
Iindleko zeeNtshumo zeeNtsholongwane zangexesha elifutshane ziza kuthathwa phi
I-inshorensi yexesha elifutshane yezempilo inokungabibizi. IiRhafu zingaba ziphantsi nje nge $ 30.00 ngenyanga. Nangona kunjalo, izicwangciso zisebenza kunye nexabiso elidityanisiweyo elimele lidibane phambi kokuba u-inshorensi iqala ukuhlawula iindleko zonyango.
Ezinye izicwangciso zibonelela ngokukhawuleza xa sele udibene nezinye i-deductible kunye ne-coinsurance eyongezelelweyo. Ukuba ukhulelwe i-inshorensi yempilo yesikhashana izakukugubungela, kwaye ukuba lakho iqabane likhulelwe, abanakukugubungela kumgaqo-nkqubo ngamnye. Ngokuqhelekileyo i-inshorensi yempilo yangexesha elifutshane ayifuni ukuvakatyelelwa ngokufanelekileyo okanye unyango oluninzi oluza kuwela phantsi kohambo logqirha wonyaka.
Ukuba ukhulelwe, unakho ukufaneleka ukufaka isicelo se-inshorensi yempilo phantsi kweengxoxo zempilo ezimiselwe nguRhulumente wakho kwi- Care Affordable Ac t. Unako ukufumana ilungelo lokuba unesiganeko sokuguqula ubomi okanye ulahlekelwe ngxelo yakho. Qinisekisa ukujonga olu khetho ukongeza kwiiprogram ze-inshorensi zempilo.
Liza Kuhlala Lixesha Elide Kangakanani?
Imigaqo-nkqubo ye-inshorensi yexesha elifutshane inexesha elingakanani ekunikeni ixesha elide lokunika ingxelo yokufumana uncedo lwenyanga enye kunye nemigaqo-nkqubo iya kwandisa kwiinyanga ezintathu. Le migaqo-nkqubo yenzelwe ukukhusela wena kunye ne-asethi yakho ngexesha lokukhawuleza okufutshane onokuba nakho kwi-inshorensi yakho rhoqo. Igosa lomshuwalense lingachaza ukungafani kwenkcazo kunye noko uza kuba noxanduva lokuhlawula. Oku kungaphezulu komgaqo-nkqubo we-inshurensi ye-gap. Kukho ukukhawuleza ukukhawuleza okwenzekayo ngelixa ulinde umgaqo-nkqubo womshuwalense wezempilo. I-inshorensi yempilo emfutshane yangexesha elifutshane ayihambelani neemfuno ze-inshorensi kuMthetho woNonophelo onoxanduva. Oku kuthetha ukuba unokuhlawulwa kwiinyanga osebenzisa i-inshorensi yempilo yomshuwalense wexesha elifutshane. Nangona kunjalo, iyakwazi ukukhusela ngemali ukuba unayo ingxamisekileyo yonyango.
Ukuba uyazi ukuba i-gap yakho yinyanga kuphela, ngoko unokugcina ukugcina imali ngokusebenzisa ipolisi yexesha elifutshane, nokuba ucinge ngento efanelekileyo enokuthi uhlawule. Qinisekisa ukuba uqwalasela zonke iinketho ezikhoyo kuwe uze ubone ukuba ngaba unokufumana ilungelo lokufumana enye inshurensi okanye ngabazali bakho icebo okanye nge-Care Affordable Act.
Ngifanele ndifumane nini i-inshurensi yexesha elifutshane lempilo?
Unokuqwalasela ukusebenzisa imigaqo-nkqubo ukuba awufuni ukuba nemeko ye-preexisting okanye isigatya sokulinda kwi-inshorensi yakho yezempilo. Ekubeni imigaqo-nkqubo ayithengi kangangoko, kunokufanelekile ukufumana imali encinci yokufumana i-inshorensi yexesha elifutshane. Ukongezelela, imibutho eninzi yama-alumni inokukunika unxibelelwano kunye neengaphulelo ezikhoyo kwiinkqubo xa uqala ukuphumelela. Oku kukugubungela ngelixa ukhangele umsebenzi kwaye ulinde de i-inshorensi yempilo yakho iqale kumqeshi wakho omtsha.
Oku kuyindlela enokukunceda ukugubungela izikhewu ezinokuthi zenzeke phakathi kwemisebenzi okanye ukucwangciswa kunye nomsebenzi wakho wokuqala. Ukuba awukwazi ukufumana i-inshorensi kubazali bakho icebo, unokukhetha ukubhalisa kwisicwangciso sexeshana elifutshane ngelixa ukhangeleka bhetele okanye ulindele ukhetho lokubhalisa oluvulekile.