Kwiminyaka yakutshanje, imboni yononophelo yononophelo yecandelo lezokwelapha liye linobudlova kwimisebenzi yalo yokuqokelela. Ngeendleko eziqhubekayo ezinxulumene nokunakekelwa kwempilo, kubaluleke kakhulu ekukholeni kwanoma yiphina indawo ukufumana ukubuyisela okuphezulu okuxhomekeke kakhulu kwiintlawulo zegulane.
Ukuhlaziywa, i-copays kunye nexabiso lokubambisa i-coinsurance zingongeza kwii-dollar zokulahleka xa kukho iinzame ezaneleyo zokuziqokelela ezi ndleko zesikhwama kwiigulane zakho.
Ukuqokelela umthwalo wezigulane kubaluleke kakhulu njengokuqokelela kwiinkampani zomshuwalense. Kodwa nini inkqubo yokuqokelela ubugwenxa iwela umgca wokunikezela ngenkonzo yamatyala ahluphekileyo?
Nazi ezinye iqoqo ze-Do and Don'tts.
Yenza
Ukucebisa izigulane ngaphambi kokutyelelwa komgaqo-nkqubo wokuqokelela ngokukhethekileyo ngexesha lokucwangcisa. Oku kuvumela isiguli ukuba silungiselele ukuhlawula ngaphambi kokufika kwiofisi yezobugcisa. Oku kubaluleke ngakumbi kwizigulane ezifunekayo ukuba zihlangabezane ne-deductible okanye i-peninsurance ye-dollar ukuya kwiindleko ze-pocket. Xa izigulane ziyazi ngaphambili, ziyakwazi ukwenza intlawulo yabo phambili.
Qinisekisa ukuba unemiqondiso eposwe kwiofisi yakho ecebisa izigulane iinkqubo zakho zokuqokelela . Enye inxalenye ebalulekileyo yokukhuthaza izigulane ukuba zenze iintlawulo zangaphambili zibakhumbuze ngokuqhubekayo ukuba ngaba ngamaxwebhu, iimpawu, iimpapasho zeenkcukacha okanye ngexesha lokucwangcisa.
Ukunikezela izaphulelo zezigulane ezizihlawulayo njengesiqinisekiso sokuhlawula iibhilikhwe ngexesha elifanelekileyo. Iigulane ezikhuselweyo zifumana izaphulelo ngeenkampani zomshuwalense kodwa izigulane zokuzihlawula zizibopheleleko zentlawulo yabo epheleleyo. Ukubanika isaphulelo ukuhlawula ngexesha elifanelekileyo kunokunceda ukuphucula imali.
Yenza okukhethwa kukho iintlawulo ezahlukeneyo zokuhlawula izigulane eziphezulu kwiindleko zesikhwama. Iindleko zesikhwama ngamanye amaxesha ngamanye amaxesha ziba ngamawaka eedola. Ukunikezelwa kwezicwangciso zokuhlawula kukulungele ukwanelisa isigulane.
Ifuna izigulana ukuba zenze iintlawulo "zokukholelwa okulungileyo." Ukuba izigulane zakho zihlawula imali yazo ngokugcwele, ukuba nabo bahlawule inxalenye yentlawulo ngaphambili, kubonisa ukuzibophelela ekuxanduva lwabo lwemali kunye nokunyamekela kwabo.
Musa
Vumela izigulane ziqhubeke nokunyuka iibhili ezingenakho ukuhlawula ngaphandle kokuba kungxamisekileyo. Ukuvumela izigulane ziqhubeke nokufumana intlawulo ngaphandle kokwenza nayiphi na intlawulo ithumela umyalezo ongafanelekanga.
Thumela iakhawunti kwiiqokelelo ngaphandle kokubonelela ixesha elifanelekileyo kwizigulana ukwenza amalungiselelo okuhlawula. I-arhente zokuqokelela ayinalo idumela elihle kwaye zinokubangela ukuba izigulane zibuyiselwe ukufumana unyango. Bavumele ixesha elaneleyo lokwenza iintlawulo ngaphambi kokuba bajike.
Ukungahoyi iindleko ezigqithisileyo. Emva kokuba iinkonzo zinikezelwe, izigulane azikho ukukhawuleza ukuhlawula ngaphandle kokunyusa. Xa izigulane zifikile ukutyelela kwabo, zikhumbuze iimali zabo ezidlulileyo ngenxa yeebhili kwaye zikhuthaze ukuba zenze iintlawulo.