Ukuhlawula ukuhlinzwa ngaphandle kwe-pocket, eyaziwa ngokuba yi-self-paying, ingaba yindleko enkulu. Ukuba awunayo i-inshurensi okanye i-inshurensi yakho ayiyi kuhlawula utyando lwakho - njengento eqhelekileyo kunye neenkqubo zokulahlekelwa kwesisindo kunye neenkqubo ezininzi zophando lwe-plastiki - zikho iindlela zokufumana uncedo lwempilo oluyidingayo, nokuba ngaba ufanele uhlawule ngokwakho inkqubo .
Nangona utyando lokuzihlawula lugqwesileyo, lungaba lukhetho olungakumbi kunokuba uphile ngaphandle kokuhlinzwa, oko kunokuthetha ukuhlala entlungu okanye ngesimo esingenakulungileyo. Kwakhona, nangona unesi-inshorensi ungadinga ukuhlolisisa ukhetho lokuzihlawula, kuba ininzi yomshuwalense ihlawula kuphela inxalenye yowiso-mthetho, ekushiye uhlawule lonke.
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Indlela yokuhlawula ukuChengela - nangona ukuba iNkampani yakho ye-inshurensi ayiyi kuyenzaUkuba ukhathele ukhetho lwakho nge-inshorensi yakho yempilo kunye ne-Medicare (ukuba oko kuyindlela), kusenokuba ixesha lokuqalisa uphando ngezinye iindlela zokuxhasa ngemali. Gcina ukhumbule ukuba zonke iinketho zokuxhasa imali zifuna imali ukuba ibuyiselwe, ngokungafani ne-inshurensi ejongene neninzi yesilwayo.
Qinisekisa ukuba iindleko ozixhasayo ziquka zonke iindleko ezilindelekileyo , kuquka ne-billge ye-ogqirha, iindleko zechungechunge lokugqitywa, iindleko ze- anesthesia , ukunakekelwa kwebhedlele ngaphambi nangemva kokuhlinzwa, iilabhu, imithi, ii-ray kunye naluphina uvavanyo oluyalelwe ugqirha kunye nohambo olufunekayo ngaphambi nangemva kokuhlinzwa.
Ukongeza, qi ni sekise ukuba uza kubeka phi iintlawulo zakho emva kokuhlinzwa phambi kokuba ube nenkqubo. Awunqweneli ukuba uvuke ngokukhawuleza xa i-bill yakho yokuqala ifika kwaye inzala yakho inzala okanye inkokhelo iphezulu kakhulu kunokuba ulindele. Uya kufuneka kwakhona ukuba uceba kuzo naziphi na izixhobo, ezinjengeenkxalabo, ezinokuphakamisa iindleko ezipheleleyo zenkathalo yakho.
Melana nesilingo sokungahoywa iifowuni ezisuka kwiSebe lokuqokelela iibhedlele. Aba bantu banokusebenzisana nawe, kukunceda ubeke isicwangciso sokuhlawula, kwaye ube negunya lokunciphisa inani elipheleleyo lemali ofunekayo. Cinga ngala bantu njengomhlobo wakho omtsha mkhulu, oya kukuphatha kakuhle kunokuba wakha waphatha umntu ebomini bakho bonke. Kwenene. Kakhulu. Ukuba uhlawula utyando ngaphandle kwesikhwama, lo ngumntu ocela ukuba akuvumele ukuba ukhokhe izinga elifanayo leenkampani ze-inshorensi zithethathe inxaxheba kwinkqubo efanayo. Esi sicelo esifanelekileyo kwaye sihlala sihlonishwa, ngakumbi xa sixoxisana kwangaphambili. Fumana esi sivumelwano ngokubhala.
Ukuba udinga ukuhlinzwa okubi kakhulu, njengento yokufakelwa komzimba, kunokuba utyando oluqhelekileyo, funda ngakumbi malunga nendlela yokuhlawula i-operesheni ebizayo ngaphandle kokuya kuphazamiseka .
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Ukunciphisa iindleko zoBuchopho njengoko kunokwenzekaNgaphambi kokuba uzame ukufumana indlela yokuhlawula ngaphandle kwe-inshorensi, zama ukufumanisa indlela onokunciphisa ngayo iindleko zokuhlinzwa kwakho ngaphambi kokuba ube nenkqubo. Okokuqala, fu manisa ukuba inkqubo iya kukubiza njani imali encinci yemali. Oko kuthetha ukuba wonke umntu onika inkxaso, evela kwi-aneshesia ukuya kwi-ogogonyo, isibhedlele kunye ne-pharmacy kufuneka ibe kwinethiwekhi xa unesi-inshurensi. Uya kuba nezinga elingcono, nangona ukuba inkampani yakho yomshuwalense ayikhethi ikhebhu.
Emva koko, uxoxisane nezinga elingcono. Kuyinto enomsindo ukuba abahlawuli bemali bakhokhe imali ephezulu kunabantu abane-inshurensi, nangona i-inshorensi ithe yaxoxisana nezinga elingcono kunye nomboneleli. Shayela udokotela ogqirha , isikhungo sokuhlinzwa , umhlinzeki we-anesthesia kunye nabani na onikezela ngononophelo kwaye uchaze ukuba uya kuhlawula ephaketheni ukwenzela ukuba unqwenela ukuba nezinga eliphezulu kakhulu kunika iinkampani zomshuwalense. Ukuba unomdla, uphikelela kwaye uchaze imeko yakho, usenokukothuka ukuba ubuninzi bebhanki inokutshintsha njani.
Buza imibuzo yomntu wonke othetha naye ngokunciphisa iifizi. Kwezinye iimeko usebenzisa isikhungo sokuhlinzwa endaweni yesibhedlele kunokubangela amawaka eedola ezigcinwe. Abantu abasebenza kwintlawulo baya kuba ngabantu abanokukwazi ukugcina imali, kwaye baya kukwazi malunga neenkqubo zabantu abaneengxaki zemali.
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Imibuzo Ebalulekileyo Yokubuza Ngaphambi Kokugqithiswa KwezimaliKude kube nini uhlawula umboleko?
Ziya kuthini na iintlawulo kwi-matyala?
Ngaba uya kukwazi ukulawula iintlawulo okanye uza kuba nzima ukuhlawula iindleko zakho ngexesha?
Ngaba uya kuhlawula amakhadi akho esikwereti ngonaphakade ngenxa yokuba awuyi kukwazi ukwenza inkokhelo enkulu kunaleyo?
Yintoni oya kuyenza xa iindleko zokuhlinzwa ziphezulu kunokuba ziqikelelwe ngugqirha wakho?
Ngaba uya kuqhutyelwa kwi-bankruptcy ukuba iindleko, ngoko ke iintlawulo, zithatyathwa?
Ngaba uya kukwazi ukuhlawula imithi yonyango oyifunayo emva kokuhlinzwa ukuba uhlawula i-bill credit card yakho?
Ngaba awukwazi ukuyigcina kwiimfuno zakho zexesha elizayo xa uhlawula ukuhlinzwa kwakho?
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Ukuboleka Kwimali Yakho Yokugcina Umhlala-phantsi kwiNtsholongwaneIsicwangciso sakho se-401k okanye 403b sakho somhlala-phantsi singakuvumela ukuba ubole imali ngemali oyilondolozile ngaphandle kwesihlwayo. Ezi zicwangciso zihluke kumqeshi kumqeshi, kodwa ininzi iya kukuvumela ukuba uhoxise i-50% ye-balance balance-up to $ 50,000-kwiindleko zonyango.
Ubungakanani bexesha elivunyelwe ukubuyiselwa kweentlawulo ziyahluka, kodwa ukuba ushiya indawo yakho yengqesho ngaphambi kokuba ubuyisele imali leyo ingaba neentlawulo ezinkulu zerhafu. Uyakulahlekelwa ngumdla oya kuwufumana ngemali oyihoxisayo, kodwa awuyi kuhlawula umyinge ngemboleko njengokuba ungayimboleka ngemveli.
Ukuba unayo i-Roth IRA, unokukwazi ukufikelela kwimali yokuhlawula ukuhlinzwa kwakho. Ngokuqhelekileyo i-Roth IRA ayilawulwa ngabaqeshi, kodwa ngabasomali ngabanye, ngoko kufuneka uyenze uphando lwakho. Qala ngokubiza inombolo yenkonzo yamakhasimende yakho kwaye ubuze malunga nokuthatha imali ngaphandle kwe-IRA ngaphambi komhlalaphantsi.
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Ngaba Ufanele Usebenzise I-Egg Yakho Yogqirha?Ukuba utyando luyimfuneko, kulungele ukuba ugqirha kwiqanda lakho leendlwana ukuhlawula ukuhlinzwa ngokulondoloza kwakho. Nangona uchitha imali yokugcina impilo yakho kwinto efana nokuhlinzwa, ayilungelekanga, ukuba utyando luya kuphucula umgangatho wobomi bakho, mhlawumbi imali ingachithwa kakuhle.
Ngokuxhomekeke kwingxowa-mboleko yakho kunye ne ngeniso, unokufuna ukuboleka imali evela kumthombo ongaphandle kwaye ugcine ukugcinwa kwakho lula. Nangona i-mboleko iya kubangela ukuba inzala ihlawulwe, inokubaluleka imali eyongezelelweyo ehlawulwe ngenjongo yokugcina ukhuseleko lweqanda le-nest okanye i-fund yengxamisekileyo, ingakumbi ukuba unokufuna imali ngexesha lokuvuselela ukuba awukwazi ukusebenza.
Iinkcukacha zengxaki yakho ziyakunceda ukuba ubone ukuba ungcono yini ukuthabatha imali ngaphandle kokulondoloza okanye ukwenza iintlawulo kwi-mboleko efunyenwe ukuhlinzwa.
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Ukusebenzisa i-Equity Ekhaya yakho ukuhlawula ukuPilisaImali-mboleko yokulingana yasekhaya ibolekwe kwixabiso lekhaya lakho elikhulu kunomlinganiselo wemali yakho yokuboleka. Ngokomzekelo, ukuba ikhaya lakho langoku lixabisa i-$ 100,000, kodwa ufumana i-$ 70,000 kuphela kwibhanki, unokukwazi ukuboleka imali engama-30,000 kwi-equity.
Ngokuqhelekileyo kulula ukufumana olu hlobo lwemboleko kunemboleko engakhuselekanga ngenxa yokuba indlu iyimbambano yakho. Olu hlobo lomboleko lukwabonelela ngekhefu lentlawulo njengoko inzala ityala echithwayo njengemali ephantsi.
Gcina ukhumbule ukuba ukuba awukwazi ukwenza iintlawulo kwiimali mboleko zekhaya, imiphumo ingaba nzima. Ukungaphumeleli ukuhlawula umboleko kungabangela ukuchithwa nokukhutshwa ekhaya.
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Iimali ezikhuselekileyo zoPhandoImboleko engakhuselekanga yinto nje efana ngathi: mboleko engagcinwanga kunye nepropati onayo. Ingeniso-mboleko esekelwe kwingxowa-mboleko kunye neholo kwaye ayisebenzisi imali yokubambisa ukubolekisa imali mboleko. Amakhadi enkokhelo yinto enye yemboleko engaqinisekisiwe kodwa kukho ezinye iintlobo ezikhoyo.
Ibhanki okanye inkampani yemboleko iya kugqiba ukuba ungabakholeka kangakanani na ngeliphi izinga, kunye nemigqaliselo yokubuyisela. Olu hlobo lwemboleko lunzima ukufumana imali mboleko yemali kwaye ihlala inomyinge ophezulu. Udokotela wakho ogqirha unokunxulumana neprogram yemboleko, kodwa qi niseka ukuba uqhathanisa amaxabiso omhlaba kunye nemithombo xa ufanelekile kulolu hlobo lwemboleko.
Nika ingqwalasela ngokukhawuleza kwinqanaba lenzala uze uyilinganise nakwezinye iindlela ozikhethayo. Ukuba unekhadi lesikweletu elinikezela ngezinga eliphantsi kakhulu, ikariti yekhredithi ingaba yinto ekhangayo ngakumbi.
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Amalungiselelo Okuhlawula UkuhlinzwaAbanye oogqirha kunye nezibhedlele banikeza izicwangciso zokuhlawula iinkonzo zabo. Izicwangciso zentlawulo zixhaphake ngokuqhelekileyo xa utyando lwakho luhlawulwa rhoqo ngesigulane endaweni yenkampani yinshuwalense. I- hysterectomy ifunyenwe ngama-inshorensi, ngoko ke oogqirha abakhethekileyo kwi-hysterectomy abanakho ukubonelela ngesicwangciso sokuhlawula; Ngokuchanekileyo, utyando lweplastiki aluzange luhlawulwe nge-inshurensi, ngoko ugqirha uza kuba nokukwazi ukukhetha ngokuzihlawula.
Kwezinye iimeko, izicwangciso zentlawulo ngumvumelwano osesikweni ukuba uza kwenza iintlawulo zenyanga ukuze uhlawule iindleko zovavanyo lwakho. Kwezinye iimeko, icebo lokuhlawula libolekisiweyo, kodwa isibhedlele okanye ugqirha uthatha inxaxheba kumalungiselelo emali.
Ezinye izibhedlele zinganikeza isicwangciso sokuhlawula iinkonzo zabo, kodwa isicwangciso yinyanga yesicwangciso sokugqibela sokuhlawula esagqityiwe ngexesha lotyando olwenzekayo.
Kwimeko yokuhlinzwa ngokungacwangciswanga okanye ukuhlinzwa ngokukhawuleza xa inkqubo iqhutyelwa kwisigulane esingavunyelwanga, izibhedlele zikhuthazwa kakhulu ukuseka isicwangciso sokuhlawula kunye neziguli ezizimisele. Iintlawulo zenyanga, nangona zingaba zikhulu, zikhangeleka kwisebe lokuhlawula ngaphandle kweentlawulo kwaye zinokugcina ityala lingabonakali kwingxelo yakho yekhredithi njengeakhawunti engalunganga.
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Ukunciphisa iindleko zoPhephelo ngokuthi ube noKupheka kwaMazwe ngamazwe okanye unyangoEyaziwayo njengezokhenketho lwezokwelapha okanye ukuhlinzwa kwamanye amazwe, kukho umendo wamva kwindlela yokuhlinzwa ukufuna unyango lwezempilo ngaphandle kwe-United States. Uphando olwenziwa kwamanye amazwe liphantse libiza kakhulu kwaye kwezinye iindawo iindleko ziphantsi kakhulu. Kwezinye iindawo, iindleko zingama-75% ngaphantsi kweyona nkqubo iya kuhlawula iindleko.
Abagqirha abavela ngaphandle kwe-US baye baqala ukufuna izigulane ezikulungele ukuhamba ngonyango abayidingayo, zikhuthaze ngewebhu kunye nezinye iintengiso. Kwamanye amaxesha, oogqirha abachaphazelekayo baqeqeshwe kumaziko aseMerika angabonakaliyo, kwaye babe noqeqesho olufanayo, okanye olungcono, kunokuqeqeshwa abagqirha baseUnited States.
Utyando lwasemhlabeni alufanele luthathwe ngokulula kwaye kufuneka luphandwe ngokucokisekileyo. Ukongeza kwiinkcukacha zogqirha, okufuneka ziqinisekiswe, indawo apho uya kuphucula khona kufuneka iphandwe kwakhona. Nangona ugqirha ubaluleke kakhulu kwisiphumo sokugqibela sokuhlinzwa, inxalenye yokubuyisela inkqubo kufuneka ilandelwe ngabasebenzi abaqeqeshwe kakuhle.
Kunyanzelekile ukuba ugqirha ube nezakhono kakhulu, kodwa umntu onenkathalo ngexesha lakho lokuphucula luleke ngokufanayo. Kumele ukuba bakwazi ukufumanisa nayiphi na imiqondiso okanye izixazululo ezinokuthi zenzeke kwaye zazise ugqirha wakho. Khumbula, ugqirha wakho ugqirha nje ngezakhono njengabasebenzi abakukhathalelayo ekungabikho kwakhe.
Ezinye iinkampani ze-inshorensi zize zihlawule ukhenketho lwezokhenketho kwiinkqubo eziyimfuneko, njengoko iindleko kubo ziphawuleka kakhulu kunoko. Uya kufuneka uxoxe ngale ngcaciso kunye nabameli bakho beenkampani zomshuwalense ukuze uthole ulwazi olungakumbi.
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Amakhadi aMatyala Mhlawumbi abe yiNkqubo yokuThuthukisa uVukani lwakhoNgamazinga enzala aphakamileyo aphezulu amakhredithi ahlawulwa ngetyala, le ndlela ayikho into ekhangayo, kodwa ukhetho lokugqibela. Ezinye iikhredithi zamakhadi zekredithi ngokumalunga ne-22% inzala, isixa esincinci xa uboleka imali ephezulu efunekayo ukuze utyunjelwe. Kwezinye iimeko, izinga lomdla lincinci kakhulu kunaloo, ukubonelela okukhethwa kukho ukuhlawula ukuhlinzwa. Isitatimende sakho sekhadi lesikweletu siya kuchaza ngokucacileyo inzala yakho yonyaka, kodwa kuya kwenzeka ukuba izinga liyehlise, kuxhomekeke kwinkampani.
Ukuba uthe wagqiba ukhetho lwakho kwaye kufuneka usebenzise amakhadi esikwereti, kufuneka uqaphele ukuba zeziphi iintlawulo zakho eziza kuba emva kokuhlawula ukuhlinzwa.
Ukuba unamakhadi amaninzi, qi ni sekisa ukusebenzisa ikhadi ngesantya senzala esezantsi kakhulu kwaye unganqikazi ukudlulisela ibhalansi ukuba ikhadi elihlukile linikeza umlinganiselo okhangayo. Iinkampani ezininzi zamakhadi ziza kunika i-balance-interest balance to get your business, kwaye iphakamisa amanqanaba kumazinga aqhelekileyo emva kweenyanga ezintandathu. Ukuba unamakhadi amaninzi, unokukwazi ukugcina izinga lakho lentengo ubuncinci ngokutshintshisa ibhalansi xa kuvela ithuba.
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Ukutshintshwa kwe-Inshorensi okanye Imisebenzi ingakusindisa amawaka amaDolaUkuba i-inshorensi yakho yangoku ikhutshelwe utyando lwakho, kodwa isicwangciso se-inshorensi eyahlukileyo siya kuhlawula inkqubo, unokufuna ukucinga ngokutshintsha amaphulo e-inshurensi. Kubantu abaninzi kuthetha ukutshintsha imisebenzi, kodwa unokuba ungadingeki ukuba uthathe isinyathelo esinzima. Ukuba utshatile kwaye i-inshurensi yakho ayiyi kuhlawula ukuhlinzwa, kodwa intando yomyeni wakho, unokusindisa amawaka eedola ngokutshintshela i-inshorensi yomlingane wakho.
Iinkampani ezininzi zilindele kude kube nguJanuwari ukwenza utshintsho kwinkqubo yomshuwalense wabo, kodwa abanye bangenza utshintsho ngexesha linye inxalenye yonyaka. Qiniseka ukuba ubuze malunga naluphi na utshintsho oluzayo. Unokufumanisa ukuba xa kuqaliswa umgaqo-nkqubo omtsha, ukugqithiselwa kwakho kuye kwatshintshwa okanye kwafudukela kumniki-nkonzo womshuwalense omtsha. Kule meko, ihlawulela ukuphanda ukuba yintoni inkampani entsha okanye umgaqo-nkqubo. Unokufumanisa ukuba udinga ukucwangcisa utyando lwakho phambi kokuba utshintshe ukuze ugcine imali, okanye unokuba uzilumko ukulinda, kuxhomekeke kwiinguqu kwi-coverage kunye nexabiso le- copay .
ILizwi
Ukugqithisa kubiza kodwa kukho iindlela zokwenza utyando olwenzekayo ngaphandle kwomshuwalense okanye uncedo oluncinci kwi-inshorensi yakho. Ezinye izicwangciso zingenza umehluko omkhulu ngobukhulu bhililo yakho, kwaye neentlawulo ezincinci nyanga zonke ziyakuthintela iindleko zakho zonyango ukuba zichithe ikhredithi yakho.
> Umthombo:
> Kiplinger. Xa Umshurensi WezeMpilo Awuyi Kuhlawula.