Izinyathelo ezi-8 zokuPhepha iMicrosoft Insurance kunye neNkohliso

Zikhusele Ekusebenzeni Okubi

Inkohlakalo ye-inshorensi yempilo kunye nezikhwama zikhula ngenani. Xa sithenga i- inshurensi yezempilo , sibheke amaxabiso amnandi njengabasebenzisi abahlakaniphile , kodwa nathi sinokungena kwizinto ezinokholo ezingenakukwazi ukunyaniseka. Ukongezelela, ngokufika kwe -Care Affordable Act kunye noxinzelelo lokuzalisekisa isigunyaziso somntu ngamnye, sinokuziva ngathi kufuneka senze ukhetho esikulungele ukwenza ukuze siqinisekiswe ukuba asihlawulwanga ngokungahambisani .

Ngenxa yoko, kunokuba lula ukuwa kwiinkqubo ze-inshorensi zempilo zonyango, apho sicinga ukuba sithenga into encedo, kuphela ukuba sifunde kamva esiye sanyulwa ngumntu ongenakuze asincede ukuhlawula unyango lwempilo, kwaye kuphela enjongo yokuba imali yethu eyimali enzima.

Ukongezelela, ukuba siwa ngenxa yale mibabalazo, asiyi kulahlekelwa yimali nje kuphela, kodwa ingenokuba nempembelelo embi nokuba ingaba siyifumana njani inkathalo esiyidingayo xa siyifuna, kwaye nokuba ngaba sifanelekile kwixesha elizayo ukufumana i-inshorensi yempilo.

Iingxowa-mali ze-Inshorensi yezeMpilo kunye neNkohliso ziKhula

Ubuqhetseba ekunakekelweni kwezempilo kunokufunyanwa phantse yonke imimiselo yonyango lwezempilo, ukususela kwizigxoba ukuya kwiziqholo . Ngokukodwa, ukususela kumhlathi we-Care Affordable Act ngo-2010, i-inshurensi yempilo yomshuwalense ibonakale ngokuphindaphindiweyo. I-Mainstream press inikwe ingxelo malunga nenani labakhokheli ababonakala ngathi basemthethweni abaye baqokelela imali yabantu, kwaye abazange bahlawule oko abo bantu babelindele.

Kukulindeleke ukuba ngaphezu kweminyaka emininzi ezayo ukuba kuya kubonakala ngaphezulu, bazibiza ngokuba yizinto ezinjengeen inshurensi zentlalo, izicwangciso zentlawulo zonyango, amakhadi okuphuhlisa amayeza, izicwangciso zamabango ezonyango nabanye. Kufuneka sizikhusele thina kunye neentsapho zethu ngokuqiniseka ukuba nayiphi na inkampani ye-inshurensi yempilo esiyibambisene nayo iyona nkampani efanelekileyo, enokuxhaswa ngemali, nenkampani enokukwazi ukuza kuzalisekisa izithembiso zayo, kwaye isinike zona zonke iinjongo abo bathi baya kunika.

Iimpawu zee-inshurensi ze-inshurensi yezempilo, izikratshi kunye neenkohliso

Njengoko uphando malunga nokhetho lwakho lokuthenga i-inshurensi yezempilo, khumbula le miqondiso omele uhambe nayo:

1. Gwema nayiphi na inkampani kunye nabathengisi abanobudlova . Musa ukuthenga i-inshorensi kunaliphi na inkampani ezifowuni, iifiksi, okanye i-imeyile "amacebo amnandi."
2. Gwema nayiphi na isithembiso sexabiso elingcono xa ubhalisa ngokukhawuleza . Abanini-bhorensi abayinyani abakugxininisi ngokwenza izigqibo (nangona kukho ixesha lokugqibela lokungena ngemvume ngemihla ethile, njengasekupheleni konyaka.)
3. Ukuba uthengisi uthetha ukuba ukuthenga i-inshorensi " kuyadingeka ngumthetho ," ke xhoma okanye ususe i-imeyile.
4. Ukuba umnini-mthengisi ekuxelela ukuba anikwe ilayisenisi yi-ERISA , loo nto ibonakaliso oluqinisekileyo lokuba bangaboniswa. Zonke iinkampani ze-inshorensi zivumelekile kwiindawo zabo zeshishini, kodwa i-ERISA yintlangano yentlangano.
5. Ukuba into enikezelwa yinkampani ibizwa ngokuba yi " ikhadi lokuphuculwa kwezokwelapha " kwaye kukho ithuba elihle lokungafihla into oyifunayo. Qiniseka ukuba ukhangele oogqirha bakho, amayeza e-e-pharmacy kunye novavanyo ukujonga ukuba bayamkela loo khadi, kwaye ukuba bayayenza, ingakanani isaphulelo. (Kwakunjalo nakwamakhadi okuphuhlisa amayeza .)
6. Ukuba ixabiso liphantsi kakhulu kunanoma yintoni enye intengo oyifumeneyo, ke hambani. Ukuba kuzwakale kunene ukunyaniseka, ngoko ke.

1. Gwema nayiphi na inkampani enenkqubo yokwamkela eyabonakala ingafuneki kunomnye. Abantu baziwa ngokuba bahlaselwa nje ngokuba baxelelwa ukuba abazange bafumane ukuhlolwa ngokomzimba, okanye ngenxa yokuba bekungadingeki ukuba banike uluhlu lwamachiza abo ngoku.
2. Mamela i-intuition yakho . Ukuba unokrokreka ukuba umntu okanye into ayithethi oko kukuthi, ke hambani.

4 Iimpawu zokugqibela ze-Smart ngaphambi kokuthenga i-inshurensi yezempilo

Ukuba ufumene inkampani ocinga ukuba ungathanda ukuthenga i-inshurensi yezempilo ukusuka kuyo, thatha amanyathelo alandelayo ukuze uqiniseke ukuba yinto efanelekileyo:

1. Iinkampani ze-inshorensi zophando 404 ukuqinisekisa ukuba inkampani ayikho eluhlu.

1. Buza ikopi yomgaqo-nkqubo oza kuwuthenga, uze uyifunde ukuze uqiniseke ukuba iquka oko uyiqondayo kufuneka uyihlanganise.
2. Qinisekisa ukuba inkampani ilayisenisi kwimeko yakho. Unokufumana uluhlu lwamazwe aseburhulumenteni apha.
3. Ukuba inkampani othethayo namabango anikezela i-inshurensi ngenye ikhampani enegama oyaqaphelayo, jonga kunye naloo nkampani ukuqinisekisa ukuba ibango liyinyaniso. (umz. i-XYZ yezempilo yomshuwalense ibanga ukuba ngumthengisi we-Aetna - qiniseka ukuba uqhagamshelana ne-Aetna ukuqinisekisa.)

Bika iFakes kunye neNkohliso

Ukuba ugijimela kwiinkampani zomshuwalense ezinobuncwane ezizama ukukugxeka, qwalasela yonke inkcazelo onokuyenza kubo nge-inshurensi yabo, ishishini kunye nendlela abasebenza ngayo. Emva koko ubaxelele kwi-inshorensi yakho yomshuwalense welizwe. Nika onke amaxwebhu owaqokeleyo.

Emva koko qhubela phambili ukwenza ukhetho olungcono lwe-inshorensi yempilo kuwe nakwintsapho yakho.