Kukho ukhetho olungcono lwe-inshurensi yezempilo kunokungena ngaphandle
Ukuba uya kwikholeji, ufuna inshorensi yempilo yabantwana. Ukuya kwikholeji yinto yezona zinto zibaluleke kakhulu ongayenza ukuze ukhusele ikusasa lakho lemali. Kodwa kwenzeka ntoni xa ugula okanye ukhuselekile xa ulapho?
Musa ukugxilwa kwingqondo engamanga yokhuseleko lolutsha lwakho oluthile kunye nempilo ebonakalayo entle. Iingozi zeentlekele kunye nokugula ngokukhawuleza kunokwenzeka nakubani na kunini na, kwaye iindleko ezinkulu zezokwelapha zingadala zonke izicwangciso zakho ezicwangcisiweyo.
Ngoko kubalulekile ukuqinisekisa ukuba unempilo yomshuwalense wezempilo.
Nazi ezinye iindlela:
Hlalani kwiNtshurensi yezeMpilo yoMzali
Ukuba abazali bakho bakuthwala kwi-inshurensi yabo, hlalani kuyo njengoko nje unako.
Ngenkqutyana yoKhuselo lweMonde kunye noMthetho woNonophelo oThathaka , ukususela ngoSeptemba 2010, abantwana bakho abancikiweyo kufuneka bavumeleke ukuba bahlale kwisicwangciso sakho sezempilo ukuya kuma-26 ubudala ngaphandle kokuba umntu omdala osemdala uvumelekile ukuba afikelele kwimpilo yomqeshi.
Qaphela iinkcukacha, nangona kunjalo. Ukuba ngaba abazali bakho banokubambisana nenkonzo yokugcinwa kwempilo (HMO), ukufikelela ngokugcwele kunokufumaneka kuphela kwindawo abahlala kuyo. Amanye ama-HMO abuyele amalungiselelo okulungelelanisa avumela ukufikelela ngokugcwele kwiindawo ezingaphandle kwendawo yazo, nangona kunjalo, kwaye yinto ofuna ukuphanda phambi kokuba ukhethe olu khetho.
Iingxaki ezifanayo zivela kwi-inshorensi yomzali esekelwe kumbutho onikezelweyo umboneleli (PPO).
Kufuna ukuba ufumane unyango evela kumboneleli wezonyango ngaphakathi kwenethwekhi eyinqununu ukuze ufumane amaxabiso angcono, kwaye ungasifumana ukuba isikolo sakho sisekhaya. Unokufuneka uhambe ekhaya ukuze uthole iimali eziphantsi kunye ne- coinsurance .
Kwimeko yxamnye noxinzelelo lwezonyango, isicwangciso sezempilo somzali sakho siyakufuneka ukuba sihlanganise iinkonzo kunaliphi na umboneleli okanye indawo (njengegumbi lesiganeko) elibonelela ngononophelo.
Akukho ixesha elide lokuSebenza okanye elifihliweyo ngabazali bakho, khangela i-COBRA
Ukuba usanda kutshiya umsebenzi owanikezele nge-inshurensi yempilo yeqela, umthetho wesigqeba okuthiwa yi- COBRA uvumela ukuba uhlale kwisicwangciso ubuncinane ubuncinane kwiinyanga ezili-18 ngokukhawuleza ukuhlawula iiprayimari ezipheleleyo. Umthetho wokuguqulwa kwempilo awuyi kwenza nayiphi iinguqu kwiCOBRA.
Ukuba uneminyaka engaphezulu kwama-26 kwaye usaya ekholejini, unokulahlekelwa ngumsebenzi wokubonelela ngezempilo owenzelwa ngabazali bakho. Nangona kunjalo, unako ukufaneleka kwe-COBRA yokuqhubeka kwenkcazo ngexesha elithile. Abazali bakho, abaye bathatha i-inshorensi kuwe, kuya kufuneka bahlole kunye ne-inshente yabo okanye umphathi-mali ekusebenzeni ukuqinisekisa ukuba ufanelekile.
Qaphela ukuba iSikole sakho sinikela ngeNtshuwalense yeMpilo
Iikholeji ezininzi kunye neeyunivesithi zinika izicwangciso zezempilo eziphantsi kweendleko zabafundi babo ngeemvumelwano kunye neenkampani zomshuwalense yabucala. Hlola ngeofisi yakho yokwamkelwa ukuba ubone ukuba isikolo sakho sithini, kwaye ukuba kunjalo, luhlobo luni lokufumana.
Ezinye iikholeji neeyunivesithi zingadinga ukuba uthwale uhlobo oluthile lokunakekelwa kwezempilo olunzulu njengemeko yobhaliso.
Isikolo sakho sinokunikezela ngeendidi ezininzi zemigaqo-nkqubo yempilo yabafundi ukusuka kwipolisi yengozi elula kumntu obandakanya iimfuno ezinkulu zonyango.
Mhlawumbi inengcamango enhle ukuba uthenge umgaqo-nkqubo wonyango obanzi oza kubonelela ukutyelela kwinkonzo yempilo yezemfundo, iingcali, iinkqubo eziyimfuneko zempilo kunye neemvavanyo zokuxilonga.
Thenga iIninshurensi Yakho
Ukuba isikolo sakho singanikeli isicwangciso sezempilo esincinci, ungathanda ukucinga ngokuthenga umgaqo-nkqubo we- inshurensi yempilo nge-inshurensi okanye ummeli.
Imigaqo-nkqubo yodwa ingaba yindleko, kwaye isicwangciso sezempilo siya kuhlolisisa impilo yakho ngaphambi kokuba wenze isigqibo sokukunika ingxelo. Ukuba unesimo sempilo esele ikhona ngaphambili , isicwangciso sezempilo sinokungafuni ukukugubungela okanye ukubeka ixesha lokukhutshwa kwexesha langaphambili .
Nangona kunjalo, ukusebenza ngoJanuwari 1, 2014, izicwangciso zempilo azisayi kuvunyelwa ukunyanzelisa ixesha elilindelekileyo lokulinda okanye inkunkuma yomshuwalense kunoma ubani onjalo. Kananjalo, ukuqala ngo-2014, uya kuba nokuthenga i-health coverage kwishishini lomshuwalense wezempilo kwimeko okanye kummandla wakho.
Umshuwalense wezeMpilo ngokusebenzisa iMedicaid
Ukuba inzala yakho yentsapho iphantsi, intsapho yakho ibhekene neendleko zezonyango eziphezulu, okanye unokukhubazeka, unakho ukufaneleka kwiMedicaid . Ukufumanisa ukuba ufanelekile, jonga kwisebe likarhulumente we-inshorensi.
Umthetho wokulungiswa kwempilo uya kwandisa ukufaneleka koMedicaid ukubandakanya bonke abemi baseMerika abangaphantsi kweminyaka engama-65 kunye neengeniso ukuya kuma-133% kwinqanaba lokuhlupheka, kunye nabantu abadala abangenawo abantwana abaxhomekeke kuyo.
Faka isicelo seNgcaciso yezeMpilo ngePhulo leNkampani ye-Intshurensi yeMpilo
Amaqela amaninzi anezicwangciso zempilo ezikhethekileyo kubahlali abangafanelekanga kwiMedicaid, abanako ukufumana i-inshorensi yempilo okanye baye balelwa ukuvalelwa kwenkampani yomshuwalense yabucala. Olu lulandelayo luluhlu olusesikhathini sokubakho lwee-inshurensi yezempilo:
- Amazwe anamaPhulo aphezulu
Fumana iZiko lezeMpilo
Ukuba okwamanje awunayo i-inshurensi kodwa udinga unyango, zama ukukhangela isikhungo sempilo yoluntu oluqeqeshelwa ngamaziko (FQHC) ekufutshane nekholeji yakho. Amaziko ezempilo yoluntu anokufumaneka kwiidolophu ezininzi nakwiindawo ezininzi ezisemaphandleni zelizwe. Ezi zonyango zoncedo zibonelela ngononophelo kubantu abangenayo i-inshorensi yempilo kwaye banokulinganisa isamba semali esekelwe kwingeniso.
Amaziko ezempilo yoluntu anikezela ukuhlolwa, unyango lwezifo, ukunakekelwa kwangaphambi kokubeleka, ukugonywa kunye nokunyamekela abantwana bakho, kunye nokunyango lwezempilo yengqondo kunye neengxaki zokusetyenziswa kweziyobisi. Amanqanaba empilo amaninzi anamaziko eeklinikhi zamazinyo kunye nee-pharmacy kwizakhiwo zabo.