Ibekelwe phandle? Hlukana? Uhanjiswe? Okanye umqeshi wakho ushiya nje inzuzo yomshuwalense?
Ingaba usandul 'umva, okanye umqashi wakho unqume ukunciphisa iindleko zeenzuzo ngaphandle kokunikezela ngomshuwalense wezempilo, okanye ukuba usandululwe ngokutsha kwiqabane lakho okanye iqabane elinikezela i-inshurensi yezempilo kwintsapho yakho, okanye mhlawumbi uye wahamba kakhulu kwaye kwafuneka ushiye umsebenzi wakho emva ...
Kungakhathaliseki isizathu, ukuba ungenayo inshuwalense yezempilo, kukho amanyathelo kunye nokuqwalasela ukukunceda ugcine ingqalelo yomshuwalense, okanye ufumene umrhumo omtsha, ukuqinisekisa ukuba wena kunye nosapho lwakho ugcine ukhuseleko lwakho lwe-inshorensi.
Amanyathelo okukhawuleza xa ULahla i-inshorensi yempilo
- Kungakhathaliseki ukuba ziphi na amanyathelo akho alandelayo, qiniseka ukuba ufumana "ileta yokubhengezwa" evela kumshuwalense oye waba nayo ngoku. Esi akusisicelo esingavamile, kwaye sinokubonelelwa nangaphambi kokuba ucele. Ithetha nje ukuba i-inshurensi ikugubungele ixesha elivela ku -____ ukuya ku- ____. Njengoko utshintshela kwenye i-insurer, unokufuna ukubonakalisa ukuba uye waba neenkcukacha eziqhubekayo kunye nokuqhubekayo kuloo nto, kwaye le leta yintoni ebonisa ubungqina.
- Khangela kwi-inshorensi yempilo yakho kwiqabane lakho okanye umqeshi womlingani. (Abanye, kodwa akusiyo yonke into evumela ukuba amaqabane asemakhaya afakwe). Ukuba ufunda ukuba kunokwenzeka, ke uqokelele ulwazi malunga nokunika ingxelo, kuquka oko kudibanayo, kunye neendleko ezihambelanayo. Uya kufuna ukuthelekisa ezi zinto kunye nezinye iindlela ozikhethayo. Qinisekisa ukuba uvavanye nayiphi na indlela echasene neengcebiso ezingezantsi zokukhetha isicwangciso se-inshorensi yezempilo.
- Qinisekisa ukuba ngaba ufanelekile kwiCOBRA . I-COBRA ngumthetho wesigqeba ofuna ukuba abaqeshi baqhubekele ukuhanjiswa kwabasebenzi kunye neentsapho zabo ukuya kwiinyanga ezili-18 emva kokushiya loo msebenzi. Kukho imimiselo embalwa ekufuneka idibene nayo, (umzekelo, umqeshi wakho akadingi ukunika i-COBRA ukuba kukho abasebenzi abangaphantsi kwe-20) kodwa ngokubanzi, oku kuya kuba yindlela encinci yokugcina i-inshorensi oye . Musa ukuthuka, nangona kunjalo. Kuya kukubetha njengendleko kakhulu kuba, ukuza kube ngoku, umqeshi wakho uhlawula i-premium yakho. Funda kabanzi malunga ne- COBRA .
Qinisekisa iindlela zakho ezongezelelweyo emva kokulahlekelwa yinshurensi yempilo
- Bonisa okunye okukhethwa kukho ukufumana inshuwalense yezempilo. Khangela i- individual inshorensi yempilo yonyhorensi yodwa, uze uthelekise iindleko zomgaqo-nkqubo kuphela kodwa ngaphandle kweendleko ze-pocket.
- Ngokuxhomekeke kwingeniso yonyaka yentsapho, unokufumana iMediicaid, inkxaso-mali yokuhlawula i-inshurensi yakho, okanye unokufumanisa ukuba unokufumana ikhefu kwiirhafu zakho zerhafu. Amathuba alawulwa ngumbuso karhulumente kunye nemithetho kaRhulumente. Uyakwazi ukufumana ukuba ukufaneleka kwakho kubenjani kwi-Healthcare.gov, okanye, iqela elibizwa ngokuba yiMbozo Yonke ihlinzeka ngolwazi lwangasemgangathweni, ngo-state-by-state, malunga neenkqubo ezininzi ezikhoyo kungakhathaliseki ukuba ingeniso yakho.
- Ngaba ungumlindi? Ukuba ukhonza emkhosini kwaye ukhululwe ngokuhloniphekileyo, phantsi kweemeko ezithile ungakufanelekela ukufumana ingxelo ngolawulo lwe-Veteran (VA). I-website ye-VA inikeza isixhobo esikhulu sokumisela ukufaneleka kwakho.
- Ukuba omnye okanye amalungu entsapho angaphilile, qwalasela uqeqesho lwazo ngezicwangciso ezihlukeneyo, ukuba ngaba zifanelekile, kwaye ukuba oko kukugcina imali. Umzekelo, ukuba unomntwana onenkathazo yonyango, umntwana wakho unokufanelekela i-CHIP (inkqubo yesimo se-Intshuwalense ye-Intsholongwane yezeMpilo yabantwana) Funda kabanzi malunga nalolu khetho.
- Ukuba elinye ilungu lentsapho yakho inesimo sokuxhaswa, awusayi kuba nexhala malunga ne-inshorensi yempilo. Awunakukhutshwa ngaphandle kwiprogram yokunakekelwa kwezempilo. Le ngenye yezimiselo zoMthetho wokuNakekelwa ongenakuncedo (i-Obamacare).
- Ingaba unomdla wokuba ungene kwi-shishini? Ukuba uyakha ishishini, kwaye "uqeshe" iqabane lakho okanye umntwana omdala, unokucingwa njengomqeshi "iqela." Urhulumente ngamnye unemibutho yamashishini amancinci kunye namagumbi okhweba amashishini angakwazi ukujoyina, kwaye oko kunokubenza bakwazi ukufumana iinkqubo ze-inshorensi yeqela. Qhagamshelana noMbutho Wentsebenziswano Wencinci okanye iZiko Lophuhliso Lwamashishini Amancinane (amaninzi ahlala kwiikholeji zasekuhlaleni) ukubuza malunga nale nto.
Ukuqinisekisa Ikusasa Lakho
Ngenxa yokuba ushiywe namhlanje ukukhangela amatsha okukhethiweyo akuthethi ukuba ufanele ulungele i-inshurensi engapheliyo yonke impilo yakho yomshuwalense (enokuhlala uneminyaka engama-65 xa ufanelekile kwi- Medicare ).
Cinga ngale ndlela eyongezelelweyo:
- Fumana omnye umsebenzi owenza izibonelelo.
- Ukuba ulwalamano oluzibopheleleko nomntu osele-inshorensi yezempilo, khangela ukuba i-state yakho ivumela i-inshorensi yasekhaya , kwaye ukuba kunjalo, yiyiphi i-inshorensi enika izicwangciso ezibandakanya yona. Ukuba akunjalo, unokucinga ukutshata nokutshintshela umgaqo-nkqubo kwiinkonzo zentsapho.
- Khuthaza umqeshi wakho ukuba angene kwi- inshurensi yempilo yomshuwalense enokuba yithengeka ngakumbi kwinkampani, kodwa ingakwazi ukugcina ixabiso eliphantsi kuwe.