Nangona iingcali zixubusha ukuba ngaba iindlela zokuthintela iindleko zokunakekelwa kwezempilo ezincinci kumgangatho kazwelonke, kukho ubungqina obuninzi bokuthi ukuthintela kunenzuzo xa kuziwa kwimpilo yakho-kunye nekhredithi yakho.
Kwizona zizathu eziqhelekileyo zokufa, kubandakanya isifo senhliziyo kunye nomhlaza , isiqingatha sichaphazelekayo nokukhetha indlela yokuphila, ngokubhekiselele kwiziko le-Bioethics kunye noBuntu.
Ukugcina ubunzima bakho, ukuyeka ukutshaya, ukuhlala ngokufanelekileyo nokunciphisa uxinzelelo kukunye iindlela ezifanelekileyo zokukhusela ukugula nokulondoloza ubomi, kwaye banokunciphisa inani lemali omele uyichithe kwi-hospitali, iziyobisi kunye nezinye iindlela zokwelapha.
Ukuba unomshuwalense wezempilo , mhlawumbi uyazi ukuba kwiimeko ezininzi, ukuhlolisiswa kwezonyango zokukhusela-njengamachiza e-year kunye ne-OB / GYN ukutyelela-zihlanganisiwe. Kodwa ungazi ukuba ezinye izicwangciso zinika iinketho ezifanelekileyo ezinokunceda ukuhlawula umsebenzi okanye iiprogram zokulahlekelwa yindleko.
Abashuseli abaTshintshisayo kuThintelo
Ulwabelo lwe-Gym, i-clinic-loss-clinic, ukunyuka kwe-weight loss, i-massage kunye neeprogram zokuyeka ukutshaya zizinto ezimbalwa zezinto ezibandakanyiweyo kwizicwangciso zomshuwalense. I-Blue Cross Blue Shield yaseMassachusetts inikezela isaphulelo kumabhulebhu ezinqanawa zombane ukuze uncede ukukhusela imithwalo.
Iinkampani ezininzi ze-inshorensi sele ziqalise ukusebenzisana namaqela ezempilo ukuba anikezele ubulungu obuphuculweyo okanye iinkonzo.
Iinzuzo zibandakanya wonke umntu, kwi-super-fit to those with a medical condition, ngokungqinelana noJP Wieske, weBhunga le-Intshuwalense engenaxabiso.
"Akunandaba nokuba unesifo sikashukela okanye umfutho wegazi ophezulu kunye nayo yonke into ongayenza kwi-gym iyahamba ngokukhawuleza," kusho uWieske. "Kunenzuzo efanayo kumntu njengoko kusemgodini we-gym ohlala kuyo yonke imihla."
Ukukhuthaza abantu abanezempilo kunye nohlahlo lwabiwo-mali
Ihlawula ukusebenzisa inzuzo nayiphi na inzuzo yokukhusela ezayo nenqubomgomo yakho yomshuwalense. Eminye imizekelo yokulondoloza okunokwenzeka iquka:
- Utyando-ukulahlekelwa ngumzimba: Nangona kungabikho nkxalabo kubantu abaninzi, kunokugcina imali enkulu. Ukuba isalathisi somzimba wakho sinama-40 okanye ngaphezulu, okanye uneengxaki zokuphefumula, isifo sikashukela okanye uxinzelelo oluphezulu lwegazi oluqhutywe kukunyanya, ungakulungele ukufumana isithuba sokugaya isisu okanye utyando lwebhendi. Ukuba lakho libiza i-20,000 eyi-$ 20,000, i-deductible yakho i-$ 500 kwaye uhlawula umvuzo wakho ngu-30%, ngoko uya kuhlawula malunga nesithathu kweendleko.
- Ubulungu be-Gym: Ezinye izicwangciso zeeNyango zeMpilo zi-United zibandakanya izaphulelo ezi-10 ukuya kuma-50 kwi-club yobulungu. Ukuba isicwangciso sakho sokuzivocavoca sithatha i-$ 30 ngenyanga kwi-akhawunti yakho yokutshekisha, isaphulelo sokugqibela siya kukugcina i-$ 15 ngenyanga.
- Inkqubo yokulahlekelwa kwesisindo: Akukho migaqo-nkqubo eninzi yokujonga iiprogram zokulahleka kwemilinganiselo efana noJenny Craig okanye abaLindi bePilisi, kodwa khangela ukuba utshintshe kwixesha elizayo, uWieske uthi. Enye inzuzo ngoku ifumaneka nge-Aetna ukuya ku-Kraft Foods Inc. abasebenzi banikezela isaphulelo se-30% kwiiprogram, ezenza iindleko zenye i-$ 199 zithandwa kwi-$ 139.
- Ukugqithisa ama-orthopedic: Iyure elilodwa, ukuxilongwa kwe-massage yokugulisa ingcinezelo eMassin Blue Blue Cross iBlue Shield iqela elibandakanyekayo iBoston Bodyworker ngokuqhelekileyo i-115 i-115, kodwa isaphulelo se-inshuwalense sama-25% yenza i-$ 86. Akukho maxwebhu enoba yintoni na imeko yonyango iyimfuneko ukufumana ingqalelo.
Abambalwa bango-inshurensi banokukhusela iinkqubo zokuyeka ukutshaya kunye neyeza, ezona ziphezulu. Kodwa ukuba uthetha nogqirha wakho malunga nokuyeka ngexesha lomzimba, olo tyelelo luya kugutywa. Lezo nkqubo ezingabonakaliyo ezincedisayo ngeendleko zeenkqubo ezisemthethweni ezibandakanya ukululekwa zingakugcina amawaka eedola, ngaphezulu kwama-dollar ayi-650 okanye ngokokuba ababhemayo bemihla yokukhaba loo mkhuba baya kulondoloza ngexesha lonyaka.
Ukufumana ukuba iziphi izibonelelo ezinokuthi unakho, qhagamshelana nenkampani yakho yomshuwalense okanye umqeshi wakho.
Imithombo:
I-Bariatric Surgery yobunzima obukhulu. Mar. 2008. amaZiko eZiko lezeMpilo.
LezeMpilo kunye nokuPhila. 2008. iBlue Cross Shield yaseMassachusetts.
Izaphulelo zezeMpilo. 2008. iMpilo yeZizwe eziManyeneyo.
Iindleko zeBala. 2008. Lap-Band lapband.us.
Ikhadi lokukhusela. 2008. IiRaft Benefits.
UkuHlanywa koKhuseleko kwamaRhafu ngokuBakho ngokuCetyiswa ngokuPhezulu kunye neNkatha yeNicotine yokuTshintsha indawo, i-Studies ye-20,000 yoTshwala. 29 Novemba 2007. Kaiser Permanente.
Thatha iIntambwe zokuQala zokuPhelelwa koTywala. 2008. IYunivesithi yaseDuke.
Ukulingana koKhathalelo lwezeMpilo ekuSebenziseni: Ingaba uMboneleli wezeMpilo? 2004. Iziko loLuntu loBuhloniphekileyo.
Yintoni i-Orthopedic Massage ?. 2007. iBoston Bodyworker.