Izinto Abantu abanomdlavuza kufuneka bazi ngeNtshurensi yezeMpilo

Kumntu ongekho yoshishini lomshuwalense, u-ins kunye nokuphuma kwinshurensi yezempilo kunokudideka. Phonsa ukuxilongwa kwesifo esingapheliyo njengomhlaza kumxube kunye nokudideka kungaba lula ukukhungatheka. Iindaba ezilungileyo kukuba ngezinto ezifanelekileyo kunye nolwazi, akufanele ukuba.

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Luhlobo luni lobutyebi obunalo kwaye lukhupha ntoni?

Ngaba uyazi ukuba uluphi uhlobo lwe-inshurensi isicwangciso sakho esihlanganiswe phantsi? Ngaba i-HMO, i-PPO, okanye i-POS? Ukwazi ukuba uluphi uhlobo lwesicwangciso ophantsi kwaye oko kubandakanya enye yezona zinto zibaluleke kakhulu ukuba wazi xa usufumene ukuba unesifo esingapheliyo, njengomhlaza. Ukwazi ngesicwangciso se-inshorensi yakho yezempilo kuyisinyathelo sokuqala sokuba ngumguli onoxanduva, ogunyazisiweyo . Ukuqonda izicwangciso zokunyamekela ezilawulwayo njenge-HMOs kunye ne-PPOs, eninzi abantu baseMelika, isinyathelo sokuqala sokwazi iinkcukacha zesicwangciso sakho. Uthini umahluko phakathi kwe-HMO ne-PPO?

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Kukho Uncedo lwabantu abangaqinisekanga

I-Cancer ayicalucaluli - inokuchaphazela ukungaxhaswanga ngokungaqhelekanga ngokuqhelekileyo njengoko i-insured. Ngelishwa, isimo sethu se-inshorensi siyazikhethela ukuba yeyiphi uhlobo lwemithi esiyifumanayo. Ngaphandle kwomshuwalense, oku kungathi akukho unyango. Ukuba unomdlavuza kwaye unayo inshorensi yezempilo, kukho ithemba.

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Yintoni oyenzayo Ukuba Umshuwalense awuyikufihla uVavanyo okanye iNkqubo

Ukuba uye watshelwa ukuba i-inshurensi yakho ayiyi kuluvavanya uvavanyo oluthile okanye inkqubo, linda ngaphambi kokuba ufike isandla sakho esikhwameni sakho. Iindleko zeepokethi zeemvavanyo kunye neenkqubo zinokubiza. Abantu abaninzi abaqapheli ukuba kukho izinto ezininzi ongayenza njengenye indlela yokuhlawula ngaphandle kwepokothini. Nantsi into enokuyenza ukuba i-inshorensi yakho ayiyi kuluvavanya uvavanyo okanye inkqubo.

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Kuthiwani Ukuba Ibango Lakho Liya Kulahlwa?

Ukufumanisa ukuba ibango lakho le-inshorensi ibanjelwe liyakwazi ukuphazamiseka ngokomzwelo nangokwezimali. Sityala imali eninzi kunye neentembelo kubanikezeli be-inshorensi yempilo, kwaye xa izibango zethu ziphikisiwe, ukuvuthwa okunokungonakalisa ubuhlobo bomguli. Iindaba ezilungileyo kukuba ukukhanyela akuyona imeko "ekupheleni kwayo yonke into, -bonke "- unokulwa nesigqibo. Uya kumangaliswa ukuba zininzi ukuphika. Funda ukuba wenzeni ukuba ibango lakho le-inshorensi yezempilo liyaliwa.

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UMthetho woNonophelo ojongene noThathaka unqanyulile 'I-Club yangaphambili ekhoyo'

Nangona uchasene ne "Obamacare," unokuvuya kukuba uqede ubandlululo kubantu abanemeko ekhoyo ngaphambili njengomhlaza. Iinkampani zomshuwalense eUnited States azikwazanga ukukhawuleza ukukhawuleza okanye ukunyusa ama-premium enyukayo kubantu abaneemeko zangaphambi kwe-2014.

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Ingaba Intshuwalense Yempilo Yongezelelekileyo Kwakho?

Izibhengezo ze-inshorensi eyongezelelweyo zisenza sicinge ukuba yinto efanelekileyo. Isicwangciso esiza kuhlawulela iinkonzo kunye neyeza zonyango ukuba isicwangciso sam esiyinhloko asiyi kugubungela? Isandi esihle kakhulu ukuba sinyaniseke kwaye kwabanye abantu. Ngaba i-inshurensi yezempilo iyongezeleleka kuwe?

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Yazi ngeNtsholongwane Yomshuwalense wezeMpilo kaRhulumente

Amanxweme aphezulu ayingamaqela abantu abangenako ukufumana i-inshorensi eyaneleyo, enokuhlawulekayo ngenxa yeemeko zangaphambili. Ngokuphunyezwa ngokupheleleyo koMthetho woNonophelo ojongene noNyaka ngo-2014, ezi zifuyo ngokuqhelekileyo zatshintshwe nge- inshurensi yempilo yoshishino njengoko ukucalulwa akuvumelekanga kwiimeko ezikhoyo ngaphambili.

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Indlela Yokugwema Iipazamo Ngenkcazo Yakho Yeenzuzo

Kuhlala kunciphisa ukwazi ukuba inkampani yakho yinshurensi ihlawule ibango. Ngamanye amaxesha sinovuyo kangangokuthi siphosa iSichazo sethu seSitatimende seNzuzo kwi-trash. Cinga yonke into ofuna ukuyifumana kukuba ibango lihlawulwe? Cinga kwakhona. Unokuphangwa izibonelelo zakho ngenxa yeephoso kwiibhidi ezihlawulwe.

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Iinkqubo zikaRhulumente zinokukunceda ukuLondoloza iMali kwimithi yobisi

Ngaba uyayazi ukuba kukho iinkqubo zikaRhulumente ezinokukunceda ukuhlawula izidakamizwa zakho zemithi, nokuba ngaba unesicwangciso sekhemisi? Ukuba iziyobisi zakho azikho kwifom ye- formulary yakho okanye ufikelele kwi-cap yakho yonyaka, ungadikibali. Kukho iinkqubo ezinokukunceda.

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Utshintsho olunjani kwi-Care Affordable Act Uyakuthinta njani?

Ukuba unomdlavuza okanye uyasinda, uyazi ukuba kubaluleke kangakanani ukufumana unyango olungcono, unyango lwezempilo. Esinye sezizathu ezenza ukuba utshintsho lwezempilo luyimfuneko kukuba abantu abaninzi banqatshelwe ukukhutshwa ngenxa yenkqubo esele ikhona okanye iindleko zokufumana i-insured zizinto zeenkwenkwezi. Ukuguqulwa kwezempilo kunomthelela kuthi sonke kwaye ukuba unomhlaza, kukuchaphazela kakhulu. Uya kufuneka uhlale unolwazi njengabapolitiki abanenjongo yokuguqula okanye ukuphinda nokuphinda iziqendu ze-Care Affordable Act.

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