Cinga i- inshorensi yempilo ayiyi kuhlawula ukuhlinzwa okhethwayo? Ngalunganga. Intshuwalense yezempilo iya kuhlawula ukuhlinzwa okhethwayo. Enyanisweni, uninzi lweenkqubo zokugqirha ezenziwa eMelika zikhethiweyo; Uninzi luhlawulwa, ubuncinane inxalenye, yinshuwalense yezempilo. Kwaye i- Medicare neMedicaid ihlawula ukuhlinzwa okhethwayo.
Ukubambisa kukuba ezininzi izicwangciso zempilo ziya kuhlawula kuphela ukuhlinzwa okukhethiweyo okuyimfuneko yonyango , kwaye imbono yakho yomshuwalense wezempilo yinto efunekayo emzimbeni inokungafani noluvo lwakho logqirha.
Kutheni iCandelo loKhuseleko lokuKhethwa koBulala lidibanisa abantu
Abantu bacinga ukuba i-inshorensi yempilo ayiyi kuhlawula ukuhlinzwa okhethwayo kuba idibanisa igama elithi "ukukhethwa" ngegama elithi "ayimfuneko imithi." Akunjalo into efanayo.
Utyando olukhethiweyo luyinkqubo yokutyanda onokukhetha ukuba nayo, okanye ukhethe ( ukhethwa ) ukuba ungabi nako. Olunye uphando olukhethiweyo luyimfuneko yonyango; ezinye azikho.
Isicwangciso ngasinye sempilo siya kuba nencazelo ecacileyo yonyango oluyimfuneko. Nangona kunjalo, ngokubanzi, inkqubo yokucwangcisa imfuno enyanisekileyo:
- Ukuphatha okanye ukufumanisa isigulo, ukulimala, ukukhubazeka, izifo, okanye iimpawu ezibalulekileyo ezifana nobuhlungu obukhulu.
- Kufuneka ukuba umzimba wakho usebenze ngendlela ekufuneka usebenze ngayo, okanye ungasondeli naloo ndlela.
Imizekelo yokuKhenketho okhethwayo kunye noBuqirha obuyimfuneko
- Ukhetho kunye neMilingo kuyimfuneko . Unesifo esiphezulu se- knee . Uzame unyango olunjengama-injection edibeneyo, izidakamizwa ezingekho-steroidal ezichasayo, kunye nokulahlekelwa ubunzima. Unobunzima ukuphakama nokuhla kweebhola zakho zangaphambili. Umgqirha wakho wamazinyo uthi udinga ukutshintshwa kwedolo . Ucwangcisa ukuhlinzwa ngoSeptemba ozayo kuba abazukulwana bakho beza kutyelela ihlobo kwaye awufuni ukubuyiswa ngexesha lokutyelela kwabo.
Utyando luyimfuneko yonyango kuba uludinga ukuvumela ukuba idolo lakho lisebenze ngokukhawuleza ngendlela efunekayo yokusebenza ngayo. Utyando lukhethileyo kuba unokukhetha ukulibaziseka kude kube ngoSeptemba, khetha ukuba nalo ngeveki ezayo okanye ukhethe ukuluyeka ngokupheleleyo kwaye udibanise nje kwaye ube nentlungu. Uninzi lwezicwangciso zezempilo ziya kulukhupha lo msebenzi.
- Ukungakhethi kunye noMdinga kuyimfuneko. Utshutshiswa entanyeni ngengozi yokuzingela. Ulahlekelwa ngumthamo wegazi kwaye unenkathazo yokugcina indlela yakho yokuhamba. Uthathwa yi-helicopter kwiziko lothungelwano apho ukhawuleza uthathelwa utyando.
Ukuhlinzwa ngokukhawulezileyo kwakungakhethi. Ukuba ukhethe ukuyeka ukuhlinzwa, ubuya kufa-ngokukhawuleza. Utyando alukwazanga ukuhlehliswa. Enyanisweni, unenhlanhla ukuba wade wenza ukuba igumbi lokusebenza liphile. Ukuhlinzwa kwakunyanzelekile ukuba ulawule ukuphuma kwegazi, ukhusele indlela ohamba ngayo, kwaye ulungise umonakalo obangelwa yinqwelomalo. Uninzi lwezicwangciso zempilo luya kulukhupha lo msebenzi, nangona, kuxhomekeka kwiimeko zengozi, kunokukho umbuzo wecala lomqhubi.
- Ukukhethwa kodwa akusiyo iMpilo kuyimfuneko . Ubona iimpawu zokuguga kwaye ungonwabi ngendlela obukeka ngayo. Uye wazama uBotox kunye nabazalisi bamademesi , kodwa unomuzwa wokuthi unokubonakala ubhetele. Ugqirha we-plastiki ubonisa ukuba u- facelift ogcweleyo kuphela yenkqubo enokuthi ivelise umphumo oyifunayo. Uyilungiselela inyanga ezayo.
I-facelift ayimfuneko impilo kuba ubuso bakho busebenza kakuhle. Ungavala kwaye uvule iipilisi zakho ngokufanelekileyo, fumana ukutya emlonyeni wakho, kwaye ugcine khona. I-facelift iyakhetha ngenxa yokuba unokukhetha ukuyenza okanye ukhethe ukungabi nayo. Zininzi izicwangciso zempilo ziya kukhanyela lo msebenzi. Kufuneka uhlawule yona.
Uninzi lwezicwangciso zempilo luya kuhlinzekwa ngonyango olukhethiweyo oluyimfuneko yonyango ngexesha nje ulandela imithetho yezolawulo lwezocwangciso zezempilo. Ukuba isicwangciso sakho sezempilo sidinga phambi kokugunyazwa , yifumane. Ukuba isicwangciso sakho sezempilo sidinga ukuba usebenzise umnikezeli we- in-network , yenza njalo. Ukuba isicwangciso sakho sezempilo asivumelani ukuba utyando lwakho luyimfuneko yonyango, akunakwenzeka ukuba uyihlawule.
Nangona isicwangciso sezempilo sibandakanya ukutyunjwa okukhethiweyo, akunakufaneka ukuhlawula i-100% yeendleko. Inkqubo yokucoca ngokukhethayo iya kuthotyelwa kwenkqubo yokwabelana ngeendleko zezempilo, ngoko ke kufuneka uhlawule i- deductible okanye i- coinsurance .
Grey Areas
Ngamanye amaxesha isicwangciso sezempilo singabhekisela ekutyunjweni okhethwayo nangona kungengeyomsebenzi wempilo. Umzekelo, ininzi yomshuwalense ibandakanya ukuvuselelwa kwebele okanye ukuhlinzwa kwebele ngokulandela isifo somhlaza wesifuba. Izicwangciso ezininzi zezempilo zibandakanya uphando lwe-sterization ezifana ne-tubal ligation kunye ne-vasectomy.
Ngamanye amaxesha unokucinga ukuba inqubo imele impilo, kodwa inkampani yakho ye-inshorensi yempilo yonyango ayivumelani. Kule meko, unelungelo lokubhena eso sinqumo.
Ngoku ukuba uyazi i-inshorensi yempilo ehlawula ukuhlinzwa okhethwayo, jonga ukuba yintoni enye imfundiso engafanelekileyo enomshuwalense wezempilo.