Ukuqonda izizathu zokubanjelwa kweeNkcazo zeNtsholongwane yezeMpilo
Xa ugqirha wakho uncoma uvavanyo, amayeza, okanye inkqubo kunye ninshuwalense yakho yempilo ayiyi kuhlawula, inokuyikrakra. Ukuba kukho uvavanyo oluthile, amayeza, okanye inkqubo eya kusebenza kunye nesicwangciso sakho sempilo siya kulukhupha, ke le meko iyinto engathandekiyo. Kodwa, ukuba uvavanyo, amayeza, okanye inkqubo yinto eyokusebenza kuphela , imeko ingaba yingozi yokuphila.
Xa eli bango okanye ukukhanyela ukugunyazwa kwangaphambi kokugunyazwa kwenzeka kuwe, kuyaqhelekile ukuba nomsindo kwaye ufuna ukulwa nokukhanyela. Nangona kunjalo, ngaphambi kokuba uchithe amandla akho kule mpi, qiniseka ukuba uyazi kakuhle oko kwenzekayo kwaye kutheni isicwangciso sakho sempilo singayi kuhlawula.
Nangona uphando malunga nesibango sokukhanyela okanye ukulahlwa kwesicelo sakho sokugunyazwa kwangaphambili, uya kufumana ingqiqo ebalulekileyo kwimigangatho yonyango yengxaki ethile yonyango, kwakunye nendlela inkampani yakho yomshuwalense "ecinga ngayo." Uya kuba umkhosi okhuselekileyo xa ulwa nekampani yakho yinshorensi yempilo iba yimfuneko.
Izizathu zakho ze-Intshuwalense yezeMpilo ayiyi kuhlawula iNkonzo yakho Ugqirha uthi ufuna
1. Yintoni oyifunayo ayiyiyo inzuzo efunyenweyo yecebo lakho lempilo.
Xa isicwangciso sakho sezempilo sichasa ibango lakho okanye lilahla isicelo sakho sokugunyazwa kwangaphambili kwesi sizathu, ngokuqinisekileyo sitsho ukuba umgaqo-nkqubo awubhengezeli olo vavanyo, unyango okanye iziyobisi kungakhathaliseki ukuba zeziphi iimeko.
Umshuwalense wakho kufuneka azi kakuhle ngokwenene iipolisi zakho zinikeza kunye noko kungagqitywanga, kodwa ngamanye amaxesha umshwalense wakho akalunganga . Hlola umgaqo wakho ngokucophelela. Ukuba i-inshurensi yakho yempilo ingumsebenzi wakho, jonga i-ofisi yakho yeenzuzo zeofisi ukuze ubone ukuba ngaba unayo inkcazo yenkonzo yakho yinshuwalense yezempilo ithi ayifihliwe.
EUnited States, iqela elincinane kunye nezicwangciso zempilo ngoku zimele zijongene neenzuzo zezempilo eziyimfuneko, kodwa izicwangciso zeqela ezixhomekeke kumqeshi kunye nezicwangciso ezininzi azifuneki ukubonelela okufanayo.
Ukuba uvakalelwa ukuba unqatshelwe iinjongo zokubhengezwa ngumgaqo-nkqubo wakho uthi uyenawo, landela inkqubo yesibheno incwadana yakho yezempilo. Kwakhona, bongoza uncedo lwabaqeshwa beeofisi zentsebenzo ukuba i-coverage yakho isekelwe kwimisebenzi, okanye umkhomishinala wakho wombuso we-inshorensi ukuba i-inshurensi yakho ayiyiyo imisebenzi.
2. Unenkathalo evela kumboneleli-ngaphandle-wenethiwekhi xa isicwangciso sakho sezempilo siphelelwe kubanikezeli benethiwekhi.
Ukuba unayo i- HMO okanye i- EPO , kunye nemibandela embalwa kakhulu, i-coverage yakho inqamleke kubaboneleli bee-network ukuba isicwangciso sakho sezempilo sinesivumelwano. I-inshorensi yakho yempilo ayiyi kuhlawula xa usebenzisa umnikezeli-ngaphandle wenethiwekhi.
Ukuba ucela ukugunyazwa kwangaphambili kunye nesicelo sakho sokugunyazwa kwangaphambili sigunyaziwe ngenxa yomnikezeli wakho okhethiweyo, unokumane uhambise isicelo usebenzisa umnikezeli wenethiwekhi kunokuba umnikezeli wenethiwekhi ngaphandle.
Nangona kunjalo, ukuba usufumene unyameko kunye nesicwangciso sakho sezempilo asiyi kuhlawula ibango lakho ngenxa yokuba uphume ngaphandle kwenethiwekhi, uya kuba nobunzima obunzima kwizandla zakho.
Unokuphumelela ukuba ungabonisa ukuba akukho banikezeli bee-network abanakho ukubonelela ngenkonzo ethile ukuze uhambe ngaphandle kwenethiwekhi. Ungaphumelela nokuba unokubonisa ukuba kwakuyimeko engxamisekileyo kwaye uye waya kumboneleli osondeleyo onako ukunikezela ngononophelo olufunekayo.
Isicwangciso sakho sezempilo asicinga ukuba uvavanyo, unyango okanye iziyobisi ziyimfuneko yonyango.
Ukuba ibango lakho okanye isicelo sakho sokugunyazwa kwangaphambili sifumene unyango lwezonyango, luvakala ngathi inkokhelo yakho yempilo ayiyi kuhlawula kuba icinga ukuba awuyidingi imfuneko yokuba ugqirha ugqirha. Oku kusenokuba isicwangciso sakho sezempilo sithetha ntoni, kodwa kungenzeka ukuba akunjalo.
Kukho ezinye izizathu zonyango lokunyanzela ukuba akukho nto ithetha ukuba isicwangciso sakho sempilo sicinga ukuba unonophelo olungadingekile. Ukuze ufumane okokuthi, ngokuqinisekileyo, ukunyuka kwakho kwezokwelapha kuthetha, kuya kufuneka wenze ukumba. Iindaba ezilungileyo kukuba ukumba kungakubonisa indlela yokufumana isicelo sakho sokugunyazwa kwangaphambili, okanye ibango lakho lihlawulwe, ukuba ulungise indlela yakho.
Funda kabanzi "Kutheni I-Plan Yam Health Ithi Ukunyamekela Ndiyayidingi?"
4. Isicwangciso sakho sempilo asinakukubona njengelungu elixhamlekileyo, kunye nezinye izinto zokuxuba.
Olu hlobo lwesimo luqhelekile kunokuba abantu abaninzi banokucinga. Kwinkqubo yokunakekelwa kwempilo enzima namhlanje, ulwazi malunga nokufowunelwa kwakho kufuneka luqhube ngokuchanekileyo ukusuka kumqeshi wakho, umthengisi we-inshorensi, okanye utshintsho lwempilo yomshuwalense kwisicwangciso sakho sezempilo. Ukuba kukho i-glitch okanye ukulibaziseka naphi na indlela, kunokubonakala ngathi awunayo inshorensi yezempilo nangona wenza njalo.
Kule miqolo efanayo, kuqhelekileyo ukuba abaqinisekisi bempilo ukuba baphumelele kwiinkampani zolawulo lwezonyango isinqumo sokwenza malunga nokuba ngaba uvavanyo lwakho, unyango okanye iziyobisi ziza kugutywa okanye cha. Kule meko, ulwazi malunga nekharityhulam yakho kufuneka luqhube ngokuchanekileyo ukusuka kwisicwangciso sakho sezempilo ukuya kukontrakta yolawulo lwezonyango. Ngokufanayo, ulwazi malunga neemeko zakho zonyango kufuneka luqhube ngokuchanekileyo ukusuka kwiofisi yakho yonyango ukuya kwisicwangciso sezempilo okanye nakwicandelo lolawulo lwezonyango. Naluphi na ukukhawuleza ekuqhubeni kwalo lwazi kunokubangela ukukhanyela ibango okanye ukwenqaba isicelo sakho sokugunyazwa kwangaphambili.
Iindaba ezilungileyo kukuba ezi zithintelo zamanqaku okanye ukuchithwa kokugunyazwa kwangaphambili kunokulula ukuguqulwa xa uqonda kakuhle ukuba yintoni ingxaki. Ukufumana ulwazi oluthe vetshe, jonga " Indlela yokuCoca ngokuSilly-Ups Umbango weNtsholongwane yeNtsholongwane yeMshuwalense ."
5. Ukuhlala kwakho esibhedlele kwakuthatyathwa ngokungalunganga njenge-infantent vs observation.
Ukuba i-Medicare okanye isicwangciso sakho sezempilo senqaba ukuhlawula isihlala esibhedlele, isizathu esinokukwenza ngokungahambisani nesimo esifanelekileyo sokubhedlelelwa kwakho esibhedlele kunokuba kungavumelani malunga nokuba ngaba unelungelo lokunyamekela. Xa izigulane zifakwe esibhedlele, zinikezelwe ukuba zijonge imeko okanye isimo sengqondo sokugula ngesigxina semithetho kunye nezikhokelo.
Kuqhelekileyo esibhedlele kunye nodokotela wakho wokuvuma ukuba ufanele uvunyelwe ukuba ungene kwisimo sengqondo sokugula, ngelixa u-Medicare okanye isicwangciso sakho sempilo sicinga ukuba kufuneka ube esibhedlele ngokujonga imeko. Nanku oku kubanjwa: ukuba ungeniswe kwindawo engafanelekanga, isicwangciso sakho sezempilo okanye iMedarethi inokuthi ihlawule ukuhlawulwa kwayo yonke into ngaphandle kokuba umgcini wakho womshuwalense uyavuma ukuba ufuna ukunakekelwa esibhedlele esinikwe. Kufana nohlobo oluthile lobugcisa.
Funda kabanzi malunga nale ngxaki kunye neengxaki zesimo sengqondo esibhedlele kwi " Hospitalized in Status Observation"? Uyakuhlawula ngaphezulu . "
Xa Ufanele Usebenzise Ummeli Wentlawulo Yonyango?