UMthetho woNonophelo ojongene noThathaka ungathintela abantu kwiminyaka eyi-20 . Kubalulekile ukuba ufunde oko kuza kwenzeka xa ungabhaliswanga yinshuwalense yezempilo. UMthetho woNonophelo ojongene noTywala unokusekwa ukwenzela ukuba kube lula kubantu abangenako ukufumana i-inshurensi yezempilo. Yenza umzamo wokwenza unyango lwezempilo lufikeleleke. Enye indlela eyenzayo oku kufuna ukuba wonke umntu abe ne-inshorensi yezempilo. Oku kuya kunciphisa inani labantu abangakwazi ukuhlawula iibhilikhwe zabo zonyango , eziqhuba iindleko zempilo yomshuwalense kubo bonke abantu. Unokuziphepha izigwebo ngokuhlala kwi-inshorensi yabazali bakho okanye usibhalisele i-inshurensi yakho.
01 Yintoni eyenzekayo Ukuba andinayo i-inshurensi yempilo?
02 Izizathu zokufumana i-inshorensi yempilo
Nangona ungeke ufune ukusebenzisa imali kwi-inshorensi yezempilo, kukho izizathu ezininzi ezifunekayo zokufumana i-inshorensi yempilo.
- Kungabiza kakhulu ukujongana nexakeka lezonyango ezingalindelekanga njenge-appendicitis okanye ingozi enkulu ye-skiing. Ukuba ugqiba utyando, uya kuhlawulwa phantse kwi-30,000 yee-intanethi kwinkqubo elula Ixabiso liya kuhluka ngokuxhomekeka kwisixeko sakho. Ukuba ugqiba ukufuna ukuhlala esibhedlele ixesha elide, iindleko ziyakongeza.
- Ityala lonyango linokukuphazamisa. Ityala lezonyango lingathintela kakubi umgangatho wobomi, kwaye unomshuwalense wonyango yindlela enye onokuzikhusela ngayo ekujongene nale hlobo lokukhupha. Izibhedlele ezininzi ziya kusebenza kunye nawe ukusekwa isicwangciso sokuhlawula, kodwa iintlawulo ezincinci zisenokuba ngaphezu koko unako ukuzifumana, kwaye kunokuthatha iminyaka ukuhlawula ityala.
- Kwakhona kwenza kube lula ukungena ukuze ufumane unyango lokukhusela ukuze ungadingi iinkqubo ezibizayo emva koko. Ukunyamekela izinto ezincinane ezifana nezifo zendlebe okanye usulelo lwe-sinus lunokukunqanda ukuba uhlakulele iingxaki ezinokuphelisa ekuthumeleleni kwigumbi lokuxakeka okanye ekugqibeleni ukuhlala esibhedlele. Iimviwo zakho zempilo zonyaka zingakunceda ukuba uthathe izinto ekuqaleni komhlaza okanye ezinye izinto ngaphambi kokuba zibe zibi kakhulu kwaye zibiza kakhulu.
03 Ingaba kukho izinto ezinokungenazibonelelo?
Kukho iindlela ezahlukeneyo onokufumana ukufihlakeleyo okungeke kuhlawule imali eninzi. Kufuneka ukhethe ngokukhethekileyo umgaqo-nkqubo we-inshorensi yempilo ekhoyo okwangoku. Kufuneka uthathe ixesha lokuphonononga izikhetho zakho kwaye ukhethe umgaqo ozakukusebenzela. Inketho eyona nto ifikelelekayo ingaba yinkampani ye-inshurensi yempilo yakho yoshishino nge-Care Affordable Act. Ukongeza kwintengiso ye-inshorensi yempilo eyenziwe ngurhulumente wakho, unokujonga kwiindlela ze-inshorensi ngokusebenzisa umqeshi wakho okanye unokubona ukuba ufanelekile ukuba ube kwisicwangciso sabazali bakho ukuba uneminyaka engamashumi amabini anesithandathu. Unokuqhagamshelana ne-arhente ye-inshurensi yempilo emele ukukunceda ukuba ufumane ezinye iinketho ukuba awufaneleki ukuthenga ngezoqoqosho zentlalo yakho.
04 Yiyiphi i-Frame Frame yo ku bhalisa?
Ixesha lokubhalisa elivulekileyo liya kuqala ngo-Oktobha 1, kwaye iphelile ngo-Disemba 15. Ukuba ubhalisa ngeli xesha ixesha lakho lokugqibela liya kubalwa ngoJanuwari 1. Ukubhalisa kuya kukuthintela ekuhlawuleleni iintlawulo. Khumbula ukuba i-inshorensi yezempilo iya kukukhusela ngokwezimali, ngokunjalo. Ukuba ngokwenene awukwazi ukubonelela ngeenkonzo zempilo, unako ukufaneleka ukuba uhlawulelwe. Ukuba kunjalo, unokufuna ukubona ukuba ufanelekile yini kwiMediicaid okanye kwi-Medicare. Ukuba unomuzwa wokuthi unyango lwezempilo lubiza kakhulu, ngoko unokufuna ukucinga isicwangciso se- inshurensi yezempilo ephezulu . I-premium iya kuba sezantsi, kwaye iza kukunika ingozi enkulu xa kwenzeka ingozi enkulu okanye ugula. Ukuba ukhetha olu khetho, ungasetha kwakhona i-Akhawunti Yokugcina Impilo. Oku kukuvumela ukuba ulondoloze ukukhupha irhafu yerhafu. Ukuba ulahlekelwa ngumhla wokugqibela ukubhalisa, uya kuhlangabezana neentlawulo ezibekwe nguMthetho woNonophelo onoxanduva. Unako ukubhalisa kwi-inshurensi yempilo yodwa kulo nyaka. Igosa le-inshurensi linokukunceda ukuba ufumanise ukuba isicwangciso sifumana iziqinisekiso eziphambili.