Ingaba ukhetha ukuba ungaqinisekanga okanye uhamba ngaphandle kwinshuwalense yezempilo ngenxa yokuba ungenayo enye ikhethelo, ubhekane nobungozi ngenxa yokuba unayo inshorensi yempilo. Ukuqonda ngokucacileyo loo mngcipheko kunokukunceda wenze izigqibo ezinolwazi.
Iingozi zezeMali
Iingxowa-mali zonyango ngokuqinisekileyo zinegalelo kwiinkcukacha ezininzi zokungabikho. Nangona unobuncwane, ukuba unesifo esibi okanye ingozi embi, iibhilidi zakho zonyango zingenakuxanduva xa ungahambi ninshuwalense yezempilo.
Ukuba awuqinisekisiwe eUnited States, uya kujongana nesohlwayo serhafu ngaphandle kokuba ukhululekile kwisihlwayo . Esi sihlwayo sinokuba ngama-2.5 ekhulwini kwengeniso yakho yasemakhaya yonyaka, kodwa ayiyi kuba ngaphezu komyinge wesizwe kwisicwangciso sezempilo sobhedu- nxaxheba kwi- inshurensi yempilo yonyaka.
Mngcipheko we zeMpilo
Ukungaqiniseki kunokuchaphazela impilo yakho. Ingxelo yayo ka-2017, i-Kaiser Family Foundation ithi "abantu abancediweyo banokuba baninzi kakhulu kunabo abanesifo se-inshorensi yokuyeka ukunakekelwa kwempilo okanye ukuyiyeka ngokupheleleyo. Imiphumo ingaba nzima, ingakumbi xa iimeko ezikhuselweyo okanye izifo ezingapheliyo zingagcinwanga."
Izingozi Kubathandekayo Bakho
Awuyena yedwa obeka engozini xa ungaqinisekanga. Ngenxa yokuba uphila njani ubomi bakho buchaphazela abo abazungezile, abathandekayo bakho basengozini xa ungena-inshorensi yezempilo. Ngokomzekelo, baya kuba neengxaki zemali ukuba bafuna ukukunceda ngeebhilidi zonyango.
Ukuba baxhomekeka kuwe ngokwezemali kwaye unenkathazo yezemali ngenxa yee-billing zonyango, baya kuba neempembelelo zeengxaki zakho zemali. Okubi nakakhulu, abathandekayo bakho baya kubandezeleka xa impilo yakho ihlaselwa ngenxa yokuba awukwazi ukubonga ngokungaqiniseki.
Iingcipheko kuMmandla Wakho Wendawo
Kwimifanekiso enkulu, ukuba awukwazi ukuhlawula iibhilidi zakho zonyango ngenxa yokuba awuqinisekanga, uluntu lwakho kunye noluntu jikelele luhlupheka.
Ngokomzekelo, ababoneleli bezempilo abachitha ixesha labo kunye nezibonelelo abaninakekelayo baya kubandezeleka ngokungahlawulwanga. Amashishini asekuhlaleni akho aya kubandezeleka xa utshintshe indlela yokuchitha imali ngenxa yeebhilidi ezinkulu zezokwelapha. Osebenza nabo kunye nomqeshi wakho baya kuhlupheka xa ubiza ngokugula ngokuphindaphindiweyo ngenxa yokuba awukwazi ukufumana unyango lwempilo okanye ukuba impilo yakho iyancipha kwaye awunakho ukuvelisa emsebenzini.
Izingozi kuMbutho
Umbutho ngokubanzi unokubandezeleka ukuba awuqinisekanga. Nangona ungenzi imali eninzi, usenokuba negalelo kuluntu ngeendlela ezininzi. Ngokomzekelo, ukuba wenza umsebenzi omhle wokukhulisa abantwana bakho, uncedisa kuluntu ngokuphakamisa amalungu asekuhlaleni. Ukuba nomsebenzi, ukuzithandela, ukukhangela abamelwane bakho, nokubonelela ngenkxaso yabangqina bakho kunye nabathandekayo yonke iminikelo kuluntu ngokubanzi.
Ukuba uhamba ngaphandle kwe-inshorensi yezempilo kwaye kubangele ukulibaziseka kunyango okanye ukufikelela kwiinkonzo zempilo, ezo zilibaziseko zinokukwenza ugula, mhlawumbi unokukhokelela ekukhubazekeni. Umbutho ngokubanzi uza kuhlupheka ngenxa yokuba awuyi kuba negalelo elininzi njengoko wenzayo xa usempilweni. Ukuba ukhubazekile ngenxa yokuba ungenayo imvume yokunakekelwa kwezempilo, akukho kuphela ukuhlawula iintlawulo zakho zokukhubazeka, kodwa ilahlekelwa yiminikelo yakho yangoku kunye neyokuzayo emphakathini.
Abantu abaninzi abakhubazekileyo baphela kwiMedicaid , Medicare , okanye zombini. Ukuba u-Medicaid, uluntu ngokubanzi luhlawula unyango lwakho lwempilo. Ukuba ukhubazekile kwaye uya kwi-Medicare kusasa, ngaphambi kokuba wenze igalelo kwiintlawulo zemivuzo ngeminyaka, uluntu lulahlekelwa ngumrhumo wakho weMedaretha kunye nokuhlawula i-benefits ye-Medicare yakho.
Izingozi kwiNkqubo yeNkcenkceshe yezeMpilo
Bonke abantu abagqitywa phantsi kweprogram yomshuwalense wezempilo yinkampani yinxalenye yecu lokubeka ingozi. Isakhelo esisigxina, esizinzileyo sengozini sincike ekubeni nepesenti enkulu yabhaliseli abaphilileyo ukwenzela inani elincinci lababhalisi abaneemeko zempilo ebalulekileyo.
Esinye sezizathu eziphambili sibona ukupakisha iipresimesi zentengiso kunye kunye nabatshutshisi bempilo abashiye ukutshintshisana kukuba abantu abanokwenene abanempilo babhalise kwi-coverage. Ngenxa yoko, amachibi amaninzi afake ingozi ekubhekiselele ekupheleni komgangatho wezempilo, kwaye izindleko zamabango ziye zaphazamisa abanye abathwali.
Indlela yodwa yokugcina inkqubo ye-inshorensi yezempilo iyomelele kwaye isebenzayo kukuba abantu abanempilo babhalise kwi-coverage yokukhupha iindleko zamabango kulabo abangenasempilweni. Yaye nangona unakho uphelele ngoku ngoku, oko akunakwenzeka njalo. Ukuba kwaye xa ufune uncedo olunzulu lwezonyango, iindleko ziza kuthwala bonke ababhalisile abasemgangathweni kwiziko lokubeka umngcipheko, becinga ukuba uqinisekisiwe ngelo xesha.
Ukunciphisa izingozi zokungaqiniseki
Ingaba ukhetha ukuhamba ngaphandle kwe-inshorensi yezempilo okanye awuqinisekanga ngenxa yokuba ungananto enye, ubeka ingozi. Ezinye, kodwa kungekhona zonke, zale ngozi zingancipha. Esi sikhokelo siza kukunceda ukulungiselela ukungaqiniseki kwaye, ngokubanzi kunokwenzeka, kunokukunceda ukunciphisa ingozi ehambelana nokungaqiniseki.
> Umthombo:
> I-Henry J. Kaiser Family Foundation. I-Uninsured: I-Incarnable Care Act e-Primer-Key Facts nge-Intshurensi yezeMpilo kunye no-Uninsured. Ipapashwe ngoDisemba 14, 2017.