Ngaphambi kokuphela konyaka wekhalenda, mhlawumbi uqala ukuva kumasebe akho oombane wabasebenzi okanye kwi-insurers kunye nabahlawuli abajongene neengxelo zempilo yakho malunga nokuba uza kuhlawulela kangakanani umrhumo wonyaka ozayo. Unyaka ngamnye loo mivuzo ikhuphuka, ngamanye amaxesha ngamaphesenti aphindwe kabini. Kutheni i-inshurensi yezempilo ibiza kakhulu?
Kutheni kufuneka uhlawule ngaphezu konyaka, nokuba unempilo?
Kutheni iimali zeeNkcazo zeMshuwalense yeMpilo zanda
Iimali-mali ze-inshorensi zempilo zikhuphuka ngenxa yokuba iindleko zonyango zanda Oogqirha bafuna ukuhlawulwa ngaphezulu, iziyobisi zibiza kakhulu, ubuchwepheshe beeteknoloji bubona buninzi kwaye bubiza kakhulu, njalo njalo. Ukuba siqonda indlela abaqinisekisi bempilo abanquma ngayo iiprayimari zabo zonyaka, ngoko kulula ukuqonda ukuba kutheni ixabisa ngakumbi, nangona xa sisempilweni.
IiNkulumbuso zithatyathwa njani
Unyaka ngamnye, i-inshurensi iyavelisa iingxelo zezigulane zayo, ngoko zichaza ukuba luhlobo olunjani lohlobo lwesigulane luya kuhlawula. Ngokomzekelo, iphrofayili enye ingaba yindoda yabantwana, abaneminyaka emi-2 ukuya kwe-6. Umshuwalense uya kumisela inani eliqhelekileyo lokutyelelwa koogqirha ngamnye umntwana uya kulufuna, zingaphi izitofu eziza kuyidinga, zingaphi izihlandlo eziza kuwela kwaye zifuna ukubetha, njl njl. .
Enye iphrofayili inokuba yinkwenkwe engama-45 ukuya ku-55. Eli bhinqa liya kufuna ukuhlolwa, i- mammogram , mhlawumbi i- colonoscopy okanye i- scan scan .
Uya kufuna ukuhlolwa kwegazi ngesifo sikashukela okanye i-cholesterol. Ukuba unempilweni enempilo, usenokufuna ukuba athathe elinye okanye ngaphezulu kweziyobisi, mhlawumbi umgangatho wokukhusela iingxaki zeentliziyo.
Umshuwalense uya kulindela inani elithile lezonyango, iimvavanyo zonyango, izingozi kunye nezinye iimfuno zezokwelapha ezifunekayo kwisigidi ngasinye sezigulane.
Ukusebenzisa ezo profayile, kwandiswe ngenani lezigulane abalindele ukuba baqiniseke ngamnye, umgcini-mali uyaziqikelela ukuba zeziphi iindleko zazo. Iimali ezongeziweyo zeendleko kunye nenzuzo ziya kwongezwa kwisixa-mali. Emva koko baya kwenza izibalo ukufumana iindleko eziqhelekileyo kwisigulane okanye kwintsapho. Leyo iya kuba yikhomenti yakho yonyaka.
Ngamnye umntu okanye intsapho iya kuthatha inani elilodwa le-premium, kungakhathaliseki ukuba yimpilo yomntu okanye intsapho.
Ngaba iiNyanga zeeNtshumo zeeNtsholongwane zeMpilo Ziyi-Bargain?
- Ukuba uqeshiwe, wena kunye nomqeshi wakho unokwabelana ngeendleko zakho ze-premium. Ukuba unomqeshi ukukunceda ukuhlawula i-premium zakho, zonke iindleko ziya kuba zakho.
- Ukuba unempilweni , ixabiso lakho le-premium liza kuba likhulu kakhulu kunokuba liyakukuhlawula ixabiso lokunyamekela ikhosi. Unakho ukuhlawula amawaka eedola, kwaye udinga ukutyelela omnye ugqirha okanye umyalelo owodwa. Uchitha imali kuma-premium ngenxa yokuba awufuni ukubeka ingozi kwi-bill yeyona ngozi okanye ukugula.
- Ukuba unempilweni encinci kwaye uneminyaka emdala , kuthetha ukuba uphendlo oluninzi lunconywa unyaka ngamnye, ngoko unokuphuma malunga nokuba. Amawaka akho amawaka eedola kwiiprayimali zingase zibe kufuphi neendleko zokuba uhlawulwe kwi-pocket kulezo zivavanyo kunye nohambo lokugqirha. Sekunjalo, usichitha imali kwiiprayimari kuba awufuni ukubeka ingozi kwiindleko ezinkulu xa ufumanisa ukuba unesifo esinzima okanye usimala ekuwa okanye enye ingozi.
- Ukuba uyagula , ingakumbi ukuba ukhulile kwaye ugula, iipresimesi zakho ze-inshorensi ziya kuba yinto enyanisekileyo. Kulabo abaneesifo esingapheliyo njengesifo sikashukela okanye iingxaki zentliziyo, okanye umntu ofumene umdla ngomhlaza okanye nasiphi na isifo esitshabalalisa, iindleko zakho zokunyamekela, ukuba uhlawule ephaketheni lakho, ingaba ngamakhulu amawaka eedola.
- Ukuba uneminyaka engaphezu kweminyaka engama-65 kwaye ufumana i-Medicare, ukukhutshwa kwakho kwenkathalo kuya kuba yintlambo yangempela. Uyakufumana unonophelo oya kuyidinga ngokusekelwe kwimeko yokuba uphelele kwiminyaka yomhlalaphantsi. Uninzi, uya kuhlawula kule ngxowa kulo lonke umsebenzi wakho. Kodwa ukuba unesi sifo esingapheliyo okanye ufunyanwe nesifo esipheleleyo, ukubuyela kwakho kuloo mali utyalo-mali luya kuba lukhulu.
Imifanekiso Enkulu yeeNkcazo zeeNtshumo zeMpilo
Ngoku makhe sibone umfanekiso omkhulu-uluntu lonke ilizwe. Ubemi bethu buguga, kwaye njengoko lonke iqela lidala, ngoko lonke iqela lifuna ukunakekelwa kwezempilo. Abantu abadala baye bahlakulela izifo ezingapheliyo ngexesha lokuphila. Ziyakwazi ukunyamekela kwizifo ezisongela ubomi ezifana neengcingo okanye isifo se-Alzheimer kunabantu abancinci.
Iintsana ezitsha zizalelwa, kunjalo. Kodwa nathi sijongene neziganeko eziphezulu zabantwana abane- autism kunye nezinye iingxaki ezibangela indleko yononophelo kulo lonke uluntu.
Abantu abaninzi abanakho ukufumana iindleko ze-inshorensi. Ngokukodwa kumaxesha anzima kwezoqoqosho, abantu abambalwa abathenga i-inshorensi baya kuthetha ukuba imali ephezulu kulabo abathengayo ukuthenga.
Yintoni esinokuyenza ekunciphiseni iindleko zeeNkcazo zeInkushurensi?
Okokuqala, uyazi ukuba ukunciphisa iindleko ze-inshorensi akufani nokunciphisa iindleko zempilo yoncedo ngokubanzi ngathi njengabantu ngabanye okanye iintsapho. Iindleko zempilo yoluntu zisasazeka kulo lonke uluntu njengoko kuchazwe ngasentla.
Okwesibini, ukuba ungowomgcini "ogulayo" okhankanywe ngasentla, okanye kwiqela elingaphezu kweminyaka engama-65, ngoko mhlawumbi awukwazi ukufumana inkcitho yempilo encinci kunokuba uhlawule ngoku ngoku.
Abo baphilile kakuhle, okanye abanokufikelela kwisicwangciso esingaphezulu kweyodwa ngabaqeshi babo banokulawula ezinye iindleko ze-inshurensi, kuquka nexabiso elihlawulwe kwiipriyam, ama-deductibles, kunye nokuhlawula imali, njengendlela elandelayo:
- Unyaka ngamnye ngexesha lobhaliso lwe-inshorensi yempilo kunyaka ozayo, okanye ngexesha uguqula imisebenzi okanye nayiphi na isizathu esitshintsha utshintsho lwe-inshorensi, kuthatha ixesha lokwenza izibalo ezichanekileyo ukukhetha icebo elihle kuwe. Ngokuxhomekeke kwiimfuno zakho, iiprayimesi zingaze zibe yinto ebaluleke kakhulu kunokhathalelo lwakho.
- Cinga nge-high-deductible, inshorensi yokukhathalela inhlekelele . Ezi zicwangciso zinama-premium angaphantsi kwaye zisebenza kakuhle kubantu abanempilweni. Ukuba ukhetha enye yezi cwangciso, unokukhetha kwakhona ukusebenzisa iAkhawunti yokuThengiswa kweMpilo yindlela yokwenza iindleko zezempilo zakho zitshathwe irhafu kwaye kukunceda ugcine imali onokuyidinga kamva kwiindleko zempilo. Kwakhona kukunceda unciphise inani elithunyelwa kwi-inshurensi ngendlela yama-premiums.
- Mbonise ukuba ngaba ufanelekile kwinkqubo yenkxaso-mali yezemfundo efana ne-state njengo-Medicaid okanye abanye. Urhulumente ngamnye unenkqubo ehlukeneyo.
Imibuzo ye-Intshurensi yeMpilo
- Kutheni i-inshorensi yam ingayi kubakho ugqirha ndifuna ukuyibona ?
- Kutheni i-inshurensi yam ingafihla ezinye zezibonelelo ezongezelelweyo okanye ezinye iindlela endingathanda?
- Kutheni le nkampani yomshuwalense yomshuwalense yandibuyisela ukuba ndifumane ingxelo ?