Ngamanye amaxesha uyayinqoba, kwaye iSicwangciso seMpilo sakho kufuneka sihlawule yonke into okanye inxalenye yesibango sakho
Unokugijima ukuchasa ibango le-inshorensi yempilo xa usebenzisa inkonzo yonyango. Ngethamsanqa, iindlela zifumanekayo zokuphikisana nokuchasa izicelo, kuquka ukufumana uncedo oluvela kurhulumente kwiindawo ezininzi.
Ngokuqhelekileyo kubalulekile ukulwa nokukhanyela kwakho. Ngamanye amaxesha i-insurer yakho iya kuzinikela kwaye ihlawule ibango lakho ukuphepha iindleko zokusingatha isibheno.
Ngamanye amaxesha izibhikisho zakho ziya kutyhila kwaye ziguqule impazamo i-insurer eyenzile. Kwaye ngokuqhelekileyo ukuhlanganiswa kwezi zibini kuya kubangela ubuncinane inkokhelo.
Thintelo
Indlela engcono yokuphelisa ingxaki yesibango ukuphepha ingxabano kwindawo yokuqala.
Oku kuya kuthatha umsebenzi omncinci kwinqanaba lakho: Umele ufunde umgaqo-nkqubo kwaye uqonde oko ufihlayo-kwaye awufihla-phambi kokufumana unyango. Nika ingqalelo kwiinkqubo kunye nezokwelapha ezifuna imvume yangaphambili kwi-insurer yakho. Ukuba uhluleka ukufumana imvume yangaphambili, ukunyamekela kwakho akunakucetyiswa.
Mxelele ugqirha wakho malunga nezinto ezigqitywe phantsi komgaqo-nkqubo kwaye uzame ukuqinisekisa ukuba uyazi ukuba kufunwa imvume yangaphambili. Ugqirha wakho usebenzisana nezigulane ezininzi kunye nenkampani ye-inshorensi yempilo, ngoko awukwazi ukulindela ukuba uya kuqhelana nesicwangciso sakho sempilo njengoko unembali yakho yonyango.
Ukuba ubhalise kwi- PPO okanye i-HMO qinisekisa ukuba uyayiqonda umgaqo-nkqubo wakho wezempilo malunga nokusebenzisa ababoneleli benethiwekhi.
Ukuba ukhona kwi-HMO awuyi kuhlanganiswa nayiphi na inkonzo enxulumene nempilo ngaphandle kwenethiwekhi ye-HMO ngaphandle kokuba ufune uhlobo oluthile lwenkqubo engabonakali kwinethiwekhi. Uya kufuneka ufumane imvume yangaphambili evela kwi -HMO kwiinkonzo ezinjalo. Kuyafana okufanayo kwi-PPO yakho, inokwenzeka ukuba inokuphuma ngaphandle kwenethiwekhi, kodwa uya kuba neendleko ezinkulu eziphuma ngaphandle .
Ukuba kukho nantoni na kumgaqo-nkqubo ongawaqondiyo, fowuna umgca wakho weenkonzo zesevisi yomxhasi wezempilo kwaye ucele ingcaciso.
Emva kokuba ufake ibango okanye ucele imvume yokuphambi kwonyango, gcina zonke iirekhodi-iindleko zonikezelo, iinkcazo zesaziso ezivela kwi-inshurensi yakho kunye nazo zonke ezinye iincwadi-kwifolda okanye iphepha elidibeneyo, ngoko ungaziqwalasela ngokujonga xa kuvela imfuneko.
Ukuba ibango lakho lilahliwe
Qala ngokuhlaziya ifayile yakho yephepha. Bese ubiza umnxeba wakho weenkonzo zomgangatho wezempilo. Ngokuqhelekileyo, ukuphika okuphosakeleyo kunokucinywa kule nqanaba. Qinisekisa ukuthatha amanqaku kuzo zonke iingxoxo zefoni, kuquka umhla kunye nexesha lofowuni, amagama abantu othetha nabo kunye nento exoxwe ngayo.
Izibheno ezisesikweni
Ukuba ukuthetha nommeli wenkonzo yabathengi akusebenzi, kufuneka uhlawule kwisibheno esibhaliweyo esibhaliweyo.
Umgaqo-nkqubo wakho we-inshorensi uza kubonisa ukuba iphepha lakho lezempilo lifuna ukuba ufake ifayile. Unokulindela ukubonelela ngolwazi oluninzi ngokubhaliweyo, kubandakanya iikopi zeebhilikhwe, igama lomnikezeli wezempilo, idilesi kunye nombolo yefowuni, kunye nesigqirha sakho sonyango sokuba kutheni unyango lwakho luya kuba luyimfuneko.
Izicwangciso ezininzi zempilo zinamanyathelo amaninzi kwinkqubo yesibheno. Ukuba isibheno sakho sokuqala sichithwa, cishe uya kubakho izibheno ezongezelelweyo. Inkqubo yonke yesibheno kufuneka iboniswe kwiincwadana enenzuzo ozifumene kwisicwangciso sakho sezempilo.
Uhlolo oluzimeleyo
Kwiindawo ezininzi, unokucela i-ofisi yomkhoshurensi wakho welizwe ukuba wenze uhlolo oluzimeleyo lwempikiswano yakho. Esi sinyathelo sithathwa emva kokuba uhambe kwinkqubo yezobheno zangaphakathi zesicwangciso sezempilo.
Ukufumanisa ukuhlaziywa okuzimeleyo, khangela iincwadana zakho zeenzuzo zezempilo (ngezinye izihlandlo ezibizwa ngokuba ngu "Ububungqina bemiGaqo"), ekufuneka kuthi kwezinye iimeko zazise izicwangciso zezempilo malunga nezikhetho zokubhenela zangaphandle kwisicwangciso sezempilo.
Enye imithombo ebalulekileyo yisebe likarhulumente we-inshurensi okanye i-arhente.
Ulwalamano
Ezinye izicwangciso zezempilo zinikeza umlamlo, apho umntu wesithathu ozimeleyo uhlaziya ingxabano kwaye uncoma isiphumo. Ingaba isigqibo sommangaleli sibophezela kuxhomekeke kwiphondo kunye nesicwangciso sezempilo.
Ukuba ulwalamano lunikelwa phantsi kwesicwangciso sezempilo esinikezelwe ngumqeshi, umthetho wesigqeba uthi awukwazi ukuhlawulwa ngokuwusebenzisa.
Yilungiselelwe kwaye iqhubeke
Xa unolwazi olungaphezulu, unako ukuphumelela ukunqanda isikhalazo sakho sokubhikishwa kwamabango. Yenza umzila wephepha ngokugcina oku kulandelayo:
- yakho ye-inshorensi yempilo
- ikopi zeenqaba zokukhanyela kwisicwangciso sakho sezempilo
- iikopi zalo naluphi na unxibelelwano phakathi kwakho kunye nesicwangciso sakho sempilo, okanye phakathi komboneleli wakho wempilo (njengogqirha wakho, isibhedlele okanye ibha) kunye nesicwangciso sakho sempilo
- amanqaku eenkcukacha zeengxoxo kunye nesicwangciso sakho sempilo
- ikopi yeenkcukacha kunye neSebe le-inshurensi yelizwe
Ukuba ufumana i-inshorensi yakho yempilo ngokusebenzisa umqeshi wakho, kufuneka uxoxe ngeemeko zakho zamabango ngumphathi wakho weemfanelo, onokuthi unokufumana isicwangciso sakho sezempilo.
Iinkcukacha ezithe xaxe
I-Kaiser Family Foundation inikezela inkcazo yenkqubo yokuhlaziya yangaphandle kwilizwe ngalinye.
Unokufumana ulwazi olungakumbi kwiSebe le-inshorensi yezempilo.
Eli nqaku libhaliswe ngu-David Fisher, umbhali ozimela ngokubhaliweyo kwi-Bend, Ore. Ukongeza kokubhala nokuhlela, uye wasebenza njengomcebisi wezezimali kunye neenqwerensi ze-inshurensi kumazwe amaninzi.