Ukuba yimpembelelo engaxhaswanga kunye neemali zakho kunye nempilo yakho. Awukwazi ukuphelisa zonke iingozi ezinxulumene nokungaqiniseki , kodwa unganciphisa ezinye zazo kwaye ungaceba ukulawula abanye. Esi sikhokelo siyakunceda ulungiselele ukuba ungaqiniseki.
Igunya lomntu ngamnye ongenakunqwenelekayo lifuna ukuba amaMerika abe ne-inshorensi yempilo okanye ahlawule irhafu yerhafu xa efaka irhafu yengeniso ye-federal.
Awukwazi ukufakwa entolongweni ngenxa yokungahlawulisi isohlwayo, kwaye i-IRS ayikwazi ukubeka i-link kwipropati yakho ukuyiqokelela. Kodwa, unako ukuwuthintela isohlwayo kwimbuyekezo yakho yerhafu. Kungaba nezinye iindlela zokukukhuthaza ukuba uhlawule.
Ukuba awuqinisekanga, kufuneka uhlahlo lwabiwo-mali, ulungele ukuhamba ngentloko kunye ne-IRS ukuba awuyi kulihlawula, okanye ufumane ukukhululwa kwesigwebo somntu ngamnye.
Fumana ukuxolelwa . Izinto ezininzi ziya kukufanelekela ukuxolelwa kwe-inshorensi yempilo, kukuvumela ukuba ugweme isohlwayo nangona uhamba ngaphandle kwe-inshorensi yezempilo. Funda ukuba ngubani ofanelekileyo, zeziphi iintlobo zezinto eziyakukufanelekela, nendlela ongayifaka ngayo " Ngaba Unako Ukufumana Imali Yomshuwalense Wezempilo? "U
Uhlahlo lwabiwo-mali . Xa uhamba ngaphandle kwe-inshorensi yezempilo, akukho nto uyenzayo ngaphandle kwezinto zakho zokwenza uxhomekeke kwiindleko zonyango. Ukuba unako ukulawula isikhwama sokulondolozwa kongxamiseko, kuya kuba luncedo kakhulu ukuba ugule okanye ukhubekile.
Kodwa, nangona ungeke ubeke eceleni i-fund enkulu yengoxakeka, uya kusasaza ukulungelelanisa iimeko ezingxamisekileyo zezemali xa uceba kwaye uzilungiselele kwangaphambili. Funda kabanzi kuMiriam Caldwell, iNgcali yethu yeMali KwiiYhumi Zakho, "Ukucwangciswa kweeNkcitho zeMali."
Isicwangciso sokufumana unyango lwempilo. Uya kugula.
Uya kuba nenxeba. Isicwangciso sokuqulunqa kwangaphambili ekujonganeni nalezi zinto.
Fumana apho iSikole seMpilo sasekuhlaleni sasekuhlaleni okanye iklinikhi yamahhala, kwaye ufunde indlela yokuyisebenzisa. Funda apho isikhungo sakho sokunakekelwa ngokukhawulezileyo sisisigxina ngoko ungagcini usebenzisa igumbi lexakeka xa kukho ingxaki ngeveki. Uhlahlo lwabiwo-mali kwaye ulisebenzise izibonelelo eziphantsi kweendleko eziphantsi kweendawo zokufumana iimmogram, i-pap smears, ukutshulwa kwamagciwane, kunye ne-colonoscopy xa uphendukela kuma-50. Le nto ingasindisa ubomi bakho okanye ithintele inhlekelele yemali; uthathe ngokungqongqo kwaye wenze okokuqala.
Funda indlela yokuxoxisana ngayo neengcebiso zezempilo . Ekubeni uza kuhlawula iibhilikhi zonyango ngaphandle kwe-pocket, kufuneka uxoxise amaxabiso okuphuhlisa xa kunokwenzeka. Buza malunga nezaphulelo zokuhlawula imali kwangaphambili ukuba unako ukwenza okanye malunga nokuseka isicwangciso sokuhlawula ukuba ibhajethi inkulu.
Ukuba udinga iinkonzo zesibhedlele, qaphela ukuba ezininzi izibhedlele zinomyinge we-rack, izinga lokuhlawula umvuzo ophantsi, kunye nezinga elincinane lokunceda. Kuya kufuneka ucele ukuba yeyiphi imilinganiselo yothando kunye nendlela yokufanelekela ngayo kuba izibhedlele ezininzi aziyi kuzinikela ngokuzithandela ulwazi. Nangona ungakufanelekeli, ukwazi ukuba inqanaba lezothando luza kukunceda uxoxisane ngokuthe ngempumelelo kuba uya kuqonda umgca.
Indlela Yokuthetha Ngomhlinzeki Wakho Wezaphulelo Zonakekelo Lwezempilo
Cinga ezinye iindlela zokwenza i-inshurensi yezempilo njengesiCwangciso soNyango lwezoNyango okanye inkonzo yokwabelana ngempilo. Iingcebiso zeZonyango zonyango zibonelela ngezaphulelo ezazisengaphambili phambi kwamalungu abo ngenkokhelo yenyanga. Bakhetha ukuba awunakulungele ukuxoxisana nesaphulelo sakho sokuhlawula. Ukuba ulungele uxoxisane, unokuxoxa ngetyala elingcono kunokuba i-DMPO inokuxoxa.
Ukwabelana ngeenkonzo zezempilo kunamaqela asekelwe kwikolo abantu abancedana ngokuhlawula iibhili zonyango. Oku akusiyo yoncedo lwezempilo.
Kulindeleke ukuba uncede amanye amalungu ahlawule iibhilikhwe zabo zonyango njengoko ziya kukunceda uhlawule lakho. Njengenzuzo eyongeziweyo, ubulungu bakho kwinkonzo yokwabelana ngempilo yononophelo kukufanelekele ukukhululwa kwempilo. Funda kabanzi kwi-Alliance of Health Care Sharing Ministries.
Ukuphucula imikhuba yokuphila enempilo. Ukuphila kwakho kukhetha ukunciphisa okanye ukugxininisa ingozi oyithathayo xa ungena ngaphandle kwe-inshurensi yezempilo. Ukuba ungathanda ukunciphisa loo mngcipheko, ke uqaphele ngokukhethekileyo kwindlela ophila ngayo. Phuza utywala kuphela ngokumodareyitha. Musa ukutshaya. Ungasebenzisi iziyobisi zokuzonwabisa. Yidla ukutya okunempilo. Gcina isisindo esifanelekileyo. Yenza umsebenzi.
Musa ukuqhawula ukunyamekela ngokukhusela ngenxa yokuba awuqinisekanga. Ngokomzekelo, usenokwenza isifuba sakho seenyanga sesifuba ( nangona ungoyindoda ) okanye uvavanyo lokuzihlola kunye ne-floral edutshulwa kwi-pharmacy yendawo okanye kwiklinikhi yoluntu. Indlela Yokufumana Iiphene Eziphantsi Kwezithuba Zabantu Abangabandakanyekanga .
Yenza uncedo lwezempilo oluya phambili . Cinga ngolu hlobo: awuqinisekanga. Awunayo ithoni yemali ekulondolozeni. Kukho into embi eyenzekayo kuwe. Unengozi; unesihlungu; mhlawumbi unesi sifo sikaLou Gehrig. Naluphi na isizathu, awukwazi ukuzinyamekela kwaye awukwazi ukuthetha.
Ngoku, umntu othanda kakhulu ufika emfanekisweni. Mhlawumbi ungumzali, umntwana omdala, umntakwabo okanye umthandi. Kufuneka ajongane neentlekele zakho kwaye uzame ukufumana unyango lwempilo oluyidingayo nangona ungenayo imithombo eyaneleyo yokuhlawula kwaye unayo inshorensi yempilo. Unokubangela ukuchithwa kwezimali ngokuzama ukunyamekela.
Kumele enze izigqibo ezinzima kakhulu, izigqibo zobomi kunye nokufa, malunga nokunyamekela kwakho. Uyakwazi ukuthwala imiphumo yeemeko zokuba wenze ezo zigqibo ebomini bakhe bonke.
Thatha ezinye zeemithwalo zokwenza isigqibo emagxeni akhe ngokwenza i-Directive Advanced for Health Care, ukuthetha ngayo kunye naye, kwaye uqiniseke ukuba uyazi apho igcinwe khona. U-Trisha Torrey, iNgcali yethu yoXhotyiso lweMonde uya kukubonisa indlela yokufeza oku.