Indlela yokujongana nokuhlawulwa kwe-inshorensi

Abanikezeli bezonyango kufuneka bathathe amanyathelo xa kwenziwe ukuhlawulwa kwemali

Ababoneleli bezonyango kufuneka bazi indlela yokusingatha ukuhlawulwa kwe-inshorensi. Ukusingathwa okufanelekileyo kunokuthintela intloko yeentlawulo zokuphinda zihlawulwe okanye ziphicothwe.

Yintoni ehlawulwa nge-Inshorensi?

Inkokhelo yokuhlawulwa kwe-inshorensi nayiphi na intlawulo umniki-mboleko ufumana ngaphandle kwexabiso elihlawulwa ngenkonzo enikezelwayo.

Yintoni ebangela i-inshorensi yokuhlawula imali?

1. Iinkampani ezimbini ze-inshorensi zihlawula njengeprayimari ngenxa yokungabikho kokulungelelaniswa kwezibonelelo (COB).

1. Iindleko zomniki-mboleko zichanekanga okanye ezingaphezulu kweendleko zangempela.
2. Ukungeniswa kwakhona kwebango elifanayo kubangelwa ukuhlawula okuphindwe kabini.

Yintoni ongayenza xa unomvuzo ohlawulwa ngumshurensi

Emva kokuba kuqinisekiswe ukuba ibhalansi yakho yekhredithi yenziwa ngenxa yokuhlawulwa kwe-inshurensi, kufuneka uqalise inkqubo yakho yokubuyiselwa imali. Kukho amathandathu amanyathelo okubuyela kwinkqubo epheleleyo yokubuyisela imali.

1. Thumela ileta kwinkampani yomshuwalense ebenza baqaphele ukuba ukuhlawulwa kwemali kwenziwe ngephutha. Akufanele uphinde uthumele imali kwiinkampani zomshuwalense ngaphandle kokuqhagamshelana nabo kuqala. Inkampani nganye yomshuwalense ineenkqubo zokusingatha imali yokuhlawula imali kunye nokubuyisela imali.
2. Vumela ubuncinane iintsuku ezingama-30 ukuphendula kwileta yakho. Kufuneka ufumane imiyalelo malunga nendlela yokubuyiselwa kwembuyekezo kufuneka ifakwe ngayo kwaye uyayithumela phi.
3. Emva kokuba ufumene imiyalelo malunga nendlela yokubuyiselwa kwembuyekezo, qiniseka ukuba ithunyelwe ngawo wonke ulwazi olufunekayo ukuqinisekisa ukuthenga ngetyala.

1. Abanye abatshutshisi bakhetha ukuphinda baxhomeke kwiimali ezizayo. Gcina iliso xa le nto yenzeka ukuze ukwazi ukwazisa ngokufanelekileyo i-akhawunti ezichaphazelekayo ukubonisa le ntengiso.
2. Ukuba akukho mpendulo ifunyenwe kwinkampani yomshuwalense zingadlulanga iintsuku ezingama-30, qhagamshelana nabo ngefowuni ukulandelelana ngaphambi kokuthatha inyathelo elongezelelweyo.

1. Kwimeko apho ukubuyiselwa kwemali kubangelwa kwi-Medicare okanye iMedicaid, inkqubo inokuthi ihluke kwabanye abathwali bomshuwalense. Landela izikhokelo ze-CMS kwi-Medicare kwaye ukhangele ngeofisi ye-Medicaid kwimeko yakho yokubuyisela imiyalelo.

Yintoni enokuyenza Xa iNkampani ye-inshurensi icela ukubuyiselwa imali ngenxa yokuhlawula imali

1. Ukuba ufumana ifowuni okanye ileta evela kwinkampani yomshuwalense ecela ukubuyiselwa kwembuyekezo, qiniseka ukuba bayayilungisa ibango, ukuba kuyimfuneko. Ukuba bayabiza, bacele ukuba bathumele isicelo sabo ngokubhaliweyo.
2. Abanye abatshutshisi bakhetha ukuphinda bahlawule ngokuhlawulwa kwemali kwixesha elizayo. Abanye bangakunika ixesha elide lokungenisa i-check paper, okanye baya kubamba ukuhlawulwa kwimivuzo emva.
3. Ukuba ufumanisa ukuba isicelo sokubuyiselwa imali ngenxa yokuhlawulwa kwemali engekho sikhombisene, qhagamshelana nenkampani yomshuwalense uze ubacele ukuba baphinde bahlawule ibango. Unokulinda uze uhlaziywe kwakhona kwaye uhambise ibango elichanekileyo.

Inkampani ye-inshurensi yokuhlawulwa kweeMpilo kubantu abagulayo

Xa umboneleli engekho kwinethiwekhi, ezinye iinjongo ze-inshorensi zihlawula ngqo kwisigulane kwaye isigulane sibonisa ukukhangela kumniki-nkonzo. Okanye, bafaka isheke kwi-akhawunti yabo yebhanki kwaye babhale isheke kumniki-nkonzo. Ngokuqhelekileyo, ukuba inkampani yomshuwalense ikholelwa ukuba i-overpayment yenziwe ngaphezulu, baya kuqhagamshelana nesigulane ngokubuyisela imali.