Ngaba uziva uxineke ngeebhilidi zonyango? Ngaba unobunzima bokuqonda ukuba yiyiphi na iibhilile ngokwenene kwaye kutheni intsholongwane yakho yempilo engakhokheli ngaphezulu kwayo? Ukuba kunjalo, kusenokuba ixesha lokufowuna kummeli wokuhlawula imali.
Yintoni Ummeli Wentlawulo Yonyango Ongakwenza Ngayo
Ummeli wenkokhelo yonyango unokuhlalutya iindleko zakho zezokwelapha kwaye uphawule iimpazamo, iindleko ezingaphezulu, iindleko eziphindaphindiweyo, kunye neenkohliso.
Unako ukufumana ukuba i-inshorensi yakho yezempilo ihlawule kangako njengoko kufuneka ukuba nayo, kwaye ukuba akunjalo, kutheni ungayi. Unako ukusebenzela egameni lakho ukufumana iindleko ezingafanelekanga okanye ukubhenela i- inshorensi yebango le-inshorensi . Unokuxoxa kunye noogqirha kunye nezibhedlele ukunciphisa into onayo.
Xa Ufanele Uzuze Ummeli Wentlawulo Yonyango
Cinga ukuqesha ummeli wokuhlawula umrhumo wezokwelapha xa unokuhlangabezana nale mibuzo elandelayo:
- Awuyikuyiqonda iindleko zakho zezonyango , kwaye iinkcazo ezinikezwa ngababoneleli bakho aziyiyo ingqiqo.
- Intsholongwane yakho yempilo inqaba ukuhlawula inxalenye okanye zonke iibhilikhwe zakho zezokwelapha kwaye isizathu asizange senze ingqiqo okanye sibonakala singalunganga.
- I-inshorensi yakho yempilo enqaba ukuhlawula inxalenye okanye zonke iibhilidi zakho zonyango kwaye ikunika ukujikeleza.
- I-ofisi yokubhatala esibhedlele (okanye ugqirha lwenkonzo yokugqithisa ugqirha) ibeka izinto ezigxekayo kwinkampani yakho yinshuwalense yezempilo, kwaye inkampani yakho yomshuwalense yezempilo ityala izinto ezifanayo kwisibhedlele sakho (okanye kwiofisi yegqirha). Ngaloo ndlela, unamathele phakathi, ubambe i-bill.
- Uxinekeke ngeebhilidi zonyango ongenakukwazi ukuhlawula kwaye ucinga ngokucatshungulwa kwebhanki ngenxa yabo.
- Awunayo i-inshorensi kwaye awukho into ekuthethwa ngayo. Ummeli wenkokhelo yezobugqirha unokuxoxisana neengxelo eziphantsi kweebhilikhwe kwangaphambili okanye emva kwe-inyaniso.
- Ugule kakhulu ungekho amandla okujongana nomthamo wemaphepha efunekayo ukuze ulawulwe iibhilidi zonyango kunye ne-inshorensi yezempilo, kodwa awufuni ukuba usapho okanye abahlobo bafanele bakwenze oko.
- Unoxanduva lokulawula iibhilikhwe zonyango zomnye umntu (mhlawumbi umzali osekhulile) kwaye azinako ukuzenza ingqiqo okanye zixakeke ngento echaphazelekayo ngokugcina umkhondo wabo.
Oko Umcebisi oyakufuna
Ngokuchanekileyo zeziphi izixhobo kunye nolwazi ummeli wokuhlawula ngonyango uya kufuna ukukunceda kuxhomekeke kwiimeko ezithile zezonyango zakho zezempilo kunye nesicwangciso se-inshurensi yempilo. Nangona kunjalo, kufuneka ulindele ukuba unokufuna ubuncinane ezinye zezi zinto zilandelayo:
- Zakho zonyango.
- Ingcaciso yakho yezibonelelo ( EOB ).
- Imvume yakho yokuthetha kunye nababoneleli bempilo yakho kunye nenkampani yakho yinshorensi yempilo.
- Ukufikelela kwiirekhodi zakho zonyango.
- Ulwazi malunga noko uhlawule khona.
- Ulwazi malunga nawaphi amanyathelo owathathele ukulungisa umba phambi kokuba ufumane ummeli wokuhlawula ngonyango.
- Ku hlawulwa. Abavakalisi bokuhlawula ngonyango abasebenzeli mahhala; Nangona kunjalo, baya kukugcina imali eninzi kunokuba bahlawule, ngoko ke iinkonzo zabo zifanelekile.
Funda nzulu
Unokufumana abavakalisi bokuhlawula ngonyango usebenzisa isixhobo se-AdvoConnection kwaye ufunde kabanzi malunga nokunyamezela isigulane kwisigxina sokurhweba ngesigulane kwi-Alliance of Advocates Health Advocates.
Emva kokuba ufumene abaviwa, funda indlela yokudliwano-ndlebe kwaye ukhethe ummeli wesigulane .