Ziziphi iindleko zonyango eziye zachithwa?
I-Cancer yisifo esibi. Ngelo xesha lijongene nama-copays, ama-deductibles, kunye neendleko zokuhamba zonyango (abaqalayo), abaninzi abantu abakwazi ukuqhubeka besebenza, ubuncinane basebenze ixesha elipheleleyo. Ukongezelela, amaqabane kunye nabatshatileyo bahlala bekhathalela iintsapho, banciphise imali engenayo kweso sihlandlo. Ukulingana kweendleko ezininzi kunye nokwenza ngaphantsi kunokuxinwa okulinganayo kunye nokwesaba, ngexesha apho kukho ukwanele ukukhathazeka malunga sele sele.
Kukho izinto ezimbalwa ongayenza, nangona kunjalo, ukunciphisa uxinzelelo lwezezimali. Umnxeba wakho onontlalontle unokuthi unokufumana iziphakamiso zenkxaso-mali okanye ukunciphisa iindleko, kodwa kukho into ongayenza ngokukhawuleza ukuba unokwenza umehluko. Ukuba uqala ukugcina iirekhodi ezicokisekileyo zeendleko zonyango namhlanje, unokufumanisa ukuba ulondoloze imali eninzi ivela kwerhafu.
I-Cancer kunye neRhafu yokuThuthwa kweZindleko zonyango
Into ebaluleke kakhulu kwihlabathi ukuyiqonda yerhafu yengeniso. " - Albert Einstein
Ngomhla we-12 / 31/16, ukuncitshiswa kwezonyango kufuneka kudlule ngaphezulu kweepesenti ezili-10 (malunga ne-7.5 ekhulwini ngaphambi kwelo xesha) yakho yemali engenayo. Abantu abaninzi badikibala bakhangele oku, kwaye abanakholwa ukuba kuya kwenzeka ukuba iindleko zibe ziphakamileyo. Kanti abaninzi bayamangalisa xa bongeza ndawonye zonke iindleko (jonga umzekelo apha ngezantsi) kwaye ufumene ukuba bafanelekile ukuhlawula irhafu.
Ngaphambi kokuba uchithe ukuncitshiswa kwezonyango ngokungabalulekanga kwimeko yakho, thatha ixesha lokufunda malunga neentlobo zeendleko ezidityanisiweyo. Ziziphi na iirekhodi okufanele uzigcine? Ngaba lixesha lokuqesha i-akhawunti? Kuthiwani malunga nama-premium?
Inkcazo yeDeductible Medical Expense
Iindleko zonyango ezinokudityaniswa ziquka iintlawulo "zokuxilongwa, unyango, ukunciphisa, unyango, okanye ukukhusela izifo, okanye iintlawulo zonyango oluchaphazela nayiphi na isakhiwo okanye umsebenzi womzimba."
Iindleko zezoNyango eziye zachithwa
Iindleko zonyango ezingakhokhelwa yi-inshurensi yakho yonyango okanye isicwangciso sokulondoloza impilo sinokutsalwa. Gcina ukhumbule ukuba ezi ndleko zifuneka zihlawulwe ngemali, ikhadi lesikweletu, okanye isheke, ngethuba lonyaka obeka kuyo irhafu. Iindleko ezinokudityaniswa ziquka:
Iintsapho zeIntshurensi
- Iimali-mali ezihlawulwa kwizicwangciso ze-inshorensi zempilo.
- Awukwazi ukukrazula umqeshi ohlawula iiprimiyam okanye ama-premium ahlawulwa ngumqeshi. Kwakhona, ungeke uhlawule iimali-mali zephorensi ezifaka ukulahlekelwa kweengalo okanye ukulahlekelwa kwembuyekezo.
- I-Medicare Ingxenye B (i-inshurensi yezempilo) kunye ne- Medicare Part D (i-inshurensi yobunyobisi yonyango ngokuzithandela) iyancitshiswa, kodwa ayikho i- Medicare Part A (inshorensi yesibhedlele.)
- Ezinye iiproyamu zempilo zee-inshorensi zexesha elide zichithwa.
- Ukuba usebenza ngokuzimeleyo unokwenza ukuba ube ngumntu onokuqhathaniswa ne-inshurensi yempilo njengempcitho yoshishino. Esikhundleni sokubanjiswa kwee-premiums ezikhethiweyo, oku kunoko utshintsho kwiholo. Jonga ukupapashwa kuka-535. Ukuba awufunanga yonke inzuzo ye-inshorensi yempilo yakho yonyango, ungabandakanya iindleko ezisele njengeendleko zonyango kwiingcambu zakho zobuqu.
Intlawulo kwiBonelelo ngezeMpilo, kubandakanywa neengcali
Iintlawulo kumagqirha kunye nabanye oogqirha abangahlawulwanga okanye ababuyiselwa yi-inshurensi banqunyulwa. Ukuhlawula i-Co-pay you pay out-of-pocket kwakhona.
Unonophelo lwezoNyango
Unonophelo lwezonyango esibhedlele kwisibhedlele, isikhungo sokuvuselela, okanye ikhaya loongikazi lichithwa ngelixa lingahlawulwa yi-inshurensi yakho, okanye i- akhawunti yokulondoloza impilo (HSA) okanye i-akhawunti yokugcina imali (FSA) . Ukutya kunye nokulala kwesigulana (kodwa kungekhona isigxina) unonophelo.
Unyango lomhlaza
Inxalenye yesifo somhlaza (ezifana nokuhlinzwa, unyango lwe-radiation, i-chemotherapy, iilrapies, kunye ne- immunotherapy ) engagqitywa yi-inshurensi, inokuthi ithathwe njengemali echithwayo.
Imithi yeMigqirha
Inxalenye yemithi enesigqeba esingagqitywa yi-inshurensi. kunye nokuhlawula imali kwiiyobisi ezigqityiweyo.
Wigs
Ii-Wigs zichithwa xa zithengwa ngenxa yokulahlekelwa kweenwele ze-chemotherapy .
Ukuphulukiswa ngokutsha
Iindleko ezihlawulelwayo ziquka ukuhlinzwa ngokutsha malunga nezimo ezinxulumene nesifo, ingozi okanye ukuphazamisa izifo, umzekelo, ukuvuselelwa kwebele ngokulandela isifo se-mastectomy. Ugqirha olunxulumene nokungaqhelekanga kokuzalwa komntwana kuyancitshiswa. Izifo zezizathu zokuziqhenqa, ezifana ne-liposuction, azinqunywanga.
Unyango lwezeMpilo
Ukutyelela ngeengcali zempilo yengqondo ezifana neengqondo zengqondo kunye neengqondo zeengqondo ziindleko ezichithwayo.
Iipilisi
Iipilisi ezinjengezokwelapha ngokwasemzimbeni okanye unyango lwabaqeshwa, ukuba azinakutyhutywa yi-inshurensi, ziyaxothwa
Umbono nokuLawula
Ukongeza kwiindawo zokutyunjwa kunye ne-ophthalmologist okanye i-optometrist (isahluko esingagqithwa yi-inshurensi), iindleko ezithintekayo ziquka iiglasi, ii-lens, kunye nesisombululo sokucoca ii-lens. Ukutyunjwa kwamehlo okulungisa (i-LASIK) yindleko echithwayo, njengoko zivalelwa zixhobo.
Amazinyo
Ukunakekelwa kwamazinyo okukhusela njengento yokucoca amazinyo, ukusetyenziswa kwezicathulo zamazinyo, kunye nokunyanga kwamayeza e-fluoride. Unyango lwezifo zamazinyo ezifana nokuzaliswa kwamazinyo , njengemigaqo enjengeziqhamo, i-x-rays, kunye nezokwelapha okanye i-orthodontic ezifana ne-brace, amazinyo amanga ( amazinyo ) athatyathwa, kodwa iinkonzo zokuzongcola ezinjengamazinyo okucoca azinakucatshulwa.
Zonyango
Iintlawulo zonyango zonyango, xa zisetyenziswe njengesigqityiweyo kunyango lomhlaza wendabuko, zifakwe. Imizekelo ibandakanya:
- Ukhathalelo lweChiropractic
- Iingcali zobuNzululwazi zobuKristu
- Ukunyanga kweengxaki zomhlaza ( ukunyanga okunye okunye kunye nokunyamekelwa kwendabuko) kuquka ukunyanga , kunye nokunyanga .
- Abanye abadibeneyo (abaxhasi bezonyango) abangenabugqirha njengama-massage therapists, i-naturopaths kunye nabafilotiki.
Ezinye izongezelelo zeZondlo
Ngokuqhelekileyo, izongezelelo zondlo-mveliso zithengiswa irhafu, nangona zikhuthazwa ngumniki-zonyango wakho. I-supplement ingahlawulwa xa ikhuthazwa yicandelo lonyango kwiimeko ezithile zonyango. Ngokomzekelo, isongezelelo se-vitamin D esicetyiswa ngugqirha ngenxa yobuthakathaka be-vitamin D kwisigulane somhlaza sinokutsalwa. Omnye umzekelo wawuya kusebenzisa isongezelelo sokunyusa ukunyusa umzimba esilungiselelwe ukunyanga i- cachexia yomhlaza ( isifo esibuhlungu esicinga ukuba sinoxanduva lwe-20 ekhulwini lokufa komhlaza e-United States).
Ukuhamba Ngezizathu Zonyango
Ngethuba nje isizathu esiyinqobo sokuhamba ngonyango - kungekhona ukuzonwabisa, kungekhona ukuphumla okanye impilo jikelele, nangona ikhuthazwa yonyango - uhambo luya kuncitshiswa. Iindleko ezinokudityaniswa ziquka:
- Ukuthutha ukuya kwiinkonzo zonyango, kuquka ukuhamba kwiibhedlele kunye neekliniki, iifommitha kunye nokuqeshwa kwabanyango. Ireyithi yokulinganisa imilinganiselo yokuqhuba imoto yerhafu ye-2014 i-24.5 yeekhilomitha nganye. Kwakhona i-deductible iyimirhumo yokupaka, kunye neerhafu (kodwa kungekhona ukulungiswa, ukulungiswa kwemoto, inshuwalense yemoto, okanye ukunciphisa.) Iifiksi zokuhamba, ukuhamba ngebhasi, ukuqeqesha, ukuhamba ngexabiso kunye neendleko ze-air.
- Izixhobo ezikhethekileyo ezifakwe emotweni ngokucwangciswa okhethekileyo ukulungiselela umntu onesifo sokukhubazeka, njengokulawula ngesandla. Unokuquka iindleko zokuba neemoto ezilungiselelwe ukuqhuba isihlalo sabakhubazekile.
- Ukuzihlalela wena kunye nomnakekeli. Ubuninzi obunokubanjiswa ngosuku ngemali engama-$ 50 ngomntu ngamnye.
- Ukutya angeke kunqunywe ngaphandle kwalabo bahlala kwisibhedlele.
Ukuya kwiinkomfa ezinxulumene neMilingo
Imirhumo yeentlanganiso kunye nokuhamba kwiimina kunye neenkomfa ezinxulumene neemeko zakho ezingapheliyo okanye zeqabane lakho okanye abaxhomekeke kuzo ziindleko ezidityanisiweyo xa iindleko "zibaluleke kakhulu kwaye zibalulekile ekufuneka unakekelwe unyango." Awukwazi ukudla ukutya okanye ukulala. Umzekelo uza kuba yinkomfa yokuphila imihla ngemihla nemiphumo emibi yonyango lomhlaza.
Iinkonzo ezongezelelweyo / Iinkqubo / Ukucebisa
- Iiprogram zokuyeka ukubhema zihlanganiswa (kodwa kungekhona i-nicotine esikhundleni sokuthi i-nicotine patches okanye i-nicotine gum). Iidakamizwa zemithi ejoliswe ekunciphiseni iimpawu zokuyeka ukukhishwa kwe-nicotine (njenge-Chantix) zihlanganisiwe.
- Iiprogram zokulahlekelwa kwemilinganiselo xa zichazwe kwiimeko ezithile, ezifana nokukhuluphala. Ukutya okucetyiswa yiiprogram akuxothwanga.
- Unyango lwezonyango zokunxiliswa kotywala kunye neziyobisi.
Iindleko ezihambelana neeNkonzo zeeNkonzo
Ngokuqhelekileyo, iindleko zezilwanyana azinqunywanga. Imbangela yenkcitho eqhubekayo yezilwanyana zesevisi, ezifana neenja zamehlo (zikhokela izinja eziyimfama) kunye neenja zokuhlutha. Kungekudala, iindleko ze "lwengqondo zempilo" nezilwanyana ziye zachithwa. Ekubeni ukuxinezeleka, ukuxhalabisa, kunye nokuxinezeleka kwangaphawulekiyo kuqhelekileyo kubantu abanomdlavuza, kwaye ekubeni unyango lwezilwanyana lubonakala luluncedo kubantu abanomhlaza, oku kungaba yinto yokuxoxa ngayo nge-oncologist yakho.
Izixhobo zoNcedo lwaBantu
Izixhobo zonyango ezizinzileyo ezifana nabahambahambayo, izitulo ezinomsebenzi ophakanyisiweyo, iimfono, i-oksijini kunye nezixhobo ze-oxygen, i-CPAP, izihlalo zabakhubazekile, iinkuni kunye nemilenze yokufakelwa.
Ukulungiswa kokuFunda kwabantwana abakhubazekileyo
Umzekelo, ukulungiswa kokufunda komntwana onomntwana.
Ukunakekelwa kweNkatha ekhaya
Ukunyamekelwa kwabangaphantsi kwindlu yindleko ezithintekayo, kodwa kuphela loo nxalenye enxulumene nokunyangwa kwonyango kuphela (umzekelo, ixesha elichithwe indlu-ukucocwa yinkxaso yezempilo yekhaya ayinakucatshulwa.)
Ukuphuculwa kweNdlu yokuHlaliswa kweMpilo yakho (iindleko zentengo)
Uphuculo lwasekhaya kunye nezixhobo ezizodwa zingancitshiswa njengeendleko zonyango ukuba injongo yonyango kuwe, lakho iqabane okanye abaxhomekeke kuyo. Oku kuncitshiswa kuncitshiswe naluphi na ukwanda kwexabiso lokuba uphuculo lufaka isandla kwipropati yakho. Imizekelo ibandakanya:
- Ukwakhiwa kwee-ramp (s) zokungena ekhaya lakho.
- Ukwandisa ngaphandle kunye neminyango yangaphakathi kunye neendlela.
- Ukufaka ii-handrails kunye ne-support / grab bars, kunye nokuguqula i-hardware kwiminyango.
- Ukukhulisa okanye ukunciphisa iikhabhinethi okanye izixhobo zokufikelela.
- Ukuphakamisa okunjengaleyo ukuhamba izitebhisi.
- Ukufaka ummandla wephandle wekhaya ukufikelela.
- Ukuguqula iinkqubo zokulumkisa ezifana ne-alamu yomlilo kunye ne-alamu yomsi.
- Ukuguqula izixhobo zombane kunye neentengiso.
- Ukususwa kwepeyinti ekhokelayo ekulungiseni kakuhle okanye ekufikeleleni komntwana.
- Idama okanye i-spa ukuba yenzelwe ukubonelela unyango (unciphisa nayiphina ixabiso longeza kwindlu yakho.)
Yintoni engadliyo?
- Umshuwalense ohlawulwa ngumqeshi wakho. Awuyi kutsala igalelo lakho kwi-inshorensi yempilo yakho exhaswe ngumqeshi ngaphandle kokuba ezi ntlawulo ze-premium zifakwe kwibhokisi 1 kwifom yakho ye-W2.
- Awukwazi ukukrazula iindleko ezifakwe kwi-akhawunti yakho yokulondoloza impilo okanye i-akhawunti yokuchithwa kwe-flexible (ekubeni ezi zihoxisiwe kwi-pretax basis).
- Amachiza angaphezulu kwamayeza (ungayithenga ngaphandle kwemithi) nangona kukhuthazwa ngumboneleli wezonyango (umzekelo, i-aspirin kubantu abaneentsholongwane zesifo.)
- Uhambo olulungele ukuphuculwa kwezempilo jikelele , nokuba lukhuthazwa yicandelo lezonyango.
- Iindleko zokungcwaba okanye zokungcwaba.
- Iibhokhwe ezifana ne-toothpaste okanye izimonyo.
- Iinkqubo zokuphucula ngokubanzi impilo yakho.
- Utyando oluninzi lwe-cosmetic, xa injongo yenkqubo kukuphucula imbonakalo kwaye "ayiyikukhuthaza ngokufanelekileyo umsebenzi ofanelekileyo womzimba okanye ukukhusela okanye unyango." Ngokomzekelo, i-liposuction, ukuphakama kwamehlo, ukugqama kwamazinyo, ukuguquka kweenwele kunye nokukhishwa kweenwele (i-electrolysis) ayinakuhluthwa. Ukuba ukuhlinzwa kuyadingeka ngenxa yengozi okanye isifo (umzekelo, ukuvuselelwa kwebele) okanye ngenxa yokukhubazeka komntwana, ixabiso liza kutsalwa irhafu.
- I-Nicotine yonyango yokutshintshwa, njengama-nicotin patches kunye ne-nicotine gum.
- Izongezelelo zondloba ngaphandle kokuba ulawulwe ngqo ngugqirha wakho kwiimeko ezithile zonyango.
- Ukutya ukutya.
- Ubulungu beblabhu yezempilo.
Iifomu ofuna ukuzenza / Uncedo
Ukuze ufune ukutsalwa kwezonyango, uya kufuneka ufake iShedyuli A (ifom 1040), kungekhona 1040 EZ okanye 1040 yedwa.
Ungalanda ifomu kunye neempapasho okanye umyalelo okhoyo ngoku okanye iifomu zangaphambili-nyaka kunye nemiyalelo ngokubiza 1-800-TAX-FORM (1-800-829-3676). Ngemibuzo, khangela ulwazi olukhoyo kwi-IRS.gov okanye ubiza 1-800-829-1040.
Ngaba ufuna i-akhawunti?
Akuyena wonke umntu oza kufuna iinkonzo zomgcini-mali ukuba afune ukuncitshiswa kwezokwelapha, kodwa gcina oku engqondweni: mhlawumbi i-penny-wise and dollar-foolish to do so.
Iingcebiso eziPhezulu malunga nokuPhathwa kweRhafu yezoNyango
- Qalisa ukugcina ifolda kunye nencwadana ngosuku ofunyenweyo ngayo, okanye ngokukhawuleza.
- Gcina zonke iirisithi.
- Ngokufanelekileyo, bhala yonke into ekuthengiweyo kunye neebhilikhi ezihlawulwe ngexesha owenza intlawulo.
Ekugqibeleni, jonga umzekelo wendlela oqhelekileyo (nangona intsapho ecinga ngayo) yayinako ukunciphisa irhafu yabo ngokukhatyelwa kwezokwelapha. Hlalani nikhumbule ukuba kukuhlanganiswa kweendleko zakho zonyango kunye nomhlaza, kodwa iindleko zonyango ezenziwa ngumlingane wakho kunye nabantwana abaxhomekeke kuyo.
Umzekelo Wendlela Ukunciphisa Inganceda Unentsapho Ngomdlavuza
Ukucinywa kweepesenti ezili-10 kunokubonakala kukuphakamileyo, kodwa umzekelo wokukhawuleza (nangona umzekelo ogqithiseleyo) unokukunceda ukucacisa oku. Cinga intsapho ka-5 nomzali omnye nomhlaza wemiphunga, abantwana abaxhomekeke ku-3, umvuzo odibeneyo ohlangeneyo we-R5,000,000 ngonyaka, kunye nomgaqo-nkqubo winshuwalense yabucala (utata ungumxhasi we-freelancer kwaye awunayo inshurensi yezempilo). ku rhoxiswa.
- Iipresimenti zee-inshorensi zempilo ezingapheliyo ze-761.00 nganye ngenyanga ngenyanga eyi-9132.00.
- Iindleko ezingaphandle kwemali yomdlavuza wemiphunga ziquka i-$ 3500.00 yee-non-cover, ezingabuyiselwa ukutyelelwa kweeklinikhi, iintlawulo zesibhedlele kunye ne-oxygen. Ukuya kwiindawo zokuqeshwa kwezokwelapha ezingama-90 ukusuka ekhaya ukunyanga i-chemotherapy, unyango lwe-radiation, ukuhlinzwa, kunye nokuvakasha kweeklinikhi kuya kuma-2750 miles (ubuyiselwe kwi-24.5 yeekhilomitha nganye ngeeyure ezingama-673.75.) Umama waya kwiprogram yokuyeka ukubhema (engekho imali ehlawulwa ngayo i $ 200.)
- Utata unesifo sikashukela. Iindleko ezingaphandle kweefom ziquka ukuhamba (ezingenakongezwa apha) kunye neendleko zokungeniswa kwenkomfa ekhuthazwa ngugqirha ukuba ancede ukulawula isifo seswekile. Iindleko zeenkomfa zaziyi-$ 550 yebini, kunye neendleko zokuhamba ze-$ 220 ezisekelwe kwixabiso lemoto. Ubawo wayesebenze ukutyilwa kwamehlo okufika ku-$ 3500.
- Omnye umntwana ufumana ubunzima bokufunda (i-dyslexia) efuna ukulungiswa kokufunda ngeendleko zeedola ezili-1200.
- Abantwana babini okwangoku bangabhonki. Emva kwe-$ 1,000 ngomntwana ogqitywa yi-inshurensi yamazinyo, bahlawula ngeteksi ngexesha lonyaka i-7000 yee-braces.
- Ukucocwa kwamazinyo angenagqirha kunye namazinyo afika kwi-$ 1030 ye-5.
- Omnye umntwana unama-lens axhumene nawo afika kwi-$ 360 ngonyaka. Isisombululo soqhagamshelwano sasingaphezulu kweeR60.
Kule meko, iindleko zonyango zonyango ezingaphelelwanga nge-inshurensi okanye icebo lokulondoloza impilo lifike kwi-27,425,75. Ngokusekelwe kwingeniso yonyaka yentsapho ye-55,000 yeeRandi kunye nokusetyenziswa kwe-10% ye-cut-off, iindleko ngaphezulu-nangaphezulu ngaphezulu kwe-5,500 zamaRandi ziza kutsalwa. Ukukhupha i-10% ye-cut-off, i-$ 21,925.75 eseleyo ifanelekile njengokwehliswa kwezokwelapha. Ukuba umtsalane wakho womhlaza ubhalela umyalelo wenja yenkonzo yokuxinezeleka ehlobene nomhlaza (uxinzelelo lwengqondo oluqhelekileyo kubantu abanomdlavuza) unokongeza nokutya kweenja kunye neendleko zeevenkile kule nombolo.
Nangona lo mzekelo ungabonakala ungqongqo, khumbula ukuba izigulane ezi-1 ezilishumi zomdlavuza zichitha ngaphezulu kwama-18,000 zama-dollar kwiindleko zonyango ngonyaka-mali kwaye ziqikelelwa ukuba iindleko zonyango ziyingxaki kwi-60 ekhulwini yebhanki e-United States.
Okukwintsusa
Ingongoma efanelekileyo yokugcina ingqalelo kukuba iindleko zonyango akuyona indlela 'yokuphuma' yokuhlawula irhafu, kodwa kunokuba ube nethuba lokuphepha ukuhlawulwa kweerhafu kwiindleko ezinxulumene nemithi ongeke uyenze ukuba uneminyaka eyi-100 pesenti ephilileyo. Emva kwakho konke, kufuneka uhlupheke ngokomzimba nangokomzwelo we-roller-coaster yesifo esibhubhisayo somhlaza. Kwaye kunye nokuncitshiswa, ukudibaniswa kweendleko kunye nokwehla kwamandla okusebenza nomhlaza kungabangela ingozi ngemali.
Amanyathelo alandelayo
Emva kokuqwalasela izithintelo kwiinkcitho zonyango, unokuzibuza ukuba unganciphisa njani iindleko zakho kwixesha elizayo. Cinga ngeengcinga ezilandelayo:
- Ukuqhubela phambili, qwalasela i-bunching iinkqubo zonyango phakathi konyaka wekhalenda (ngaphakathi kwesizathu senkalo.) Ngokomzekelo, ukuba unesifo somhlaza, unokuqwalasela ukucwangcisa ukutshintsha indawo oye ulindele, kunye nekholonikopi yakho engapheliyo ngexesha elifanayo unyaka ukwenzela ukufikelela kwi-10% ye-cut off-off.
- Khangela ezinye iinketho zokucwangcisa irhafu, njenge-akhawunti yokuchithwa kwe-flexible (FSA's).
Kunceda kakhulu kwaye ufuna uncedo ukuba unzima. Umhlaza wakho weklinikhi unontlalontle unokufumana iziphakamiso, kuquka ulwazi malunga neenkqubo zenkxaso ngoncedo lwezonyango. Iinkampani ezininzi zamachiza zineenkqubo zoncedo zonyango ezikhoyo. Imibutho yoluhlobo oluthile lomhlaza lunakho ukufumana izibonelelo, kunye nabantu onokuthetha nabo malunga nokukhetha. Ukuba unenkxalabo malunga nomsebenzi, inhlangano engeyiyo inzuzo I-Cancer kunye neMisebenzi ineenkcukacha ezininzi kumalungelo akho kwindawo yokusebenzela kunye nokunye. Ekugqibeleni, ukubandakanyeka kwingingqi yomhlaza wesi-intanethi kungabalulekanga, kuba kunokukunika ithuba lokuthetha nabanye abaye bajamelana nemingeni efana nohambo lwabo.
> Imithombo:
> I-American Cancer Society. Ukuqonda iMinshurensi yezeMpilo. http://www.cancer.org/treatment/findingandpayingfortreatment/understandinghealthinsurance/index
> Isebe leNkonzo yeNgxowa-mali yangaphakathi. Ukupapashwa kwama-502 ezeMpilo kunye namaNyolo kwiNdleko ekusebenziseni ukulungiselela 2017 Ukubuyisela. https://www.irs.gov/pub/irs-pdf/p502.pdf
> INkonzo yeNgeniso yangaphakathi. Isihloko 502 - Iindleko zonyango kunye namazinyo. Ukuhlaziywa 01/31/18. https://www.irs.gov/taxtopics/tc502.html