Ukuba unomshuwalense wezempilo, unokungabazeki ukuba ufumana imeko apho inkampani ayiyi kuhlawula . Basenokukhanyela inani elipheleleyo lebango, ininzi yalo . Ingaba kufuneka uvume nje ukugatya kwabo ukukhangela ibango lakho lezonyango? Cha. Kukho izinto onokuzenza. Nazi izicwangciso ezilishumi elinambini zokuncedisa.
1. Ungacingi ukuba u-"wokuqala" wokuqala owamkelayo ngowokugqibela.
Phantse iipesenti ezi-10 zazo zonke iibango zomshuwalense ziphikisiwe ngokungalunganga.
Ngelo xesha, ngaphantsi kwe-1 ekhulwini labantu abenza iibango zomshuwalense baze babuze umgcini-mali wabo xa ibango lawo liphikisiwe. Ininzi yabanini-mithetho abajongene namatyala abo bawaphumelela amatyala abo okanye baphucule ukuhlala kwabo. Ngoko, umyalezo uqacile: ukuba ibango lakho liphikisiwe, kufuneka wenze isibheno kwisibheno.
2. Unxininise kwingcaciso ebhaliweyo.
Imithetho emininzi karhulumente idinga ukuba iinkampani zomshuwalense zibonelele ngeengcaciso ezibhaliweyo zokuchaswa kwamabango. Ukungaphumeleli ukuthobela kungabakho mkhuba ongekho mthethweni yi-inshurensi. Njalo ucele ingcaciso ebhaliweyo ukuba ibango lakho liphikisiwe.
3. Funda ipolisi yakho ngononophelo ukuze ubone ukuba ibango liphikisiwe ngokusemthethweni.
Inkampani yakho yomshuwalense isenokuthi isichaze isigatya kumgaqo-nkqubo wakho ngokwahlukileyo kwindlela oyiqonda ngayo. Hlonipha umqondo wakho wobulungisa kunye nento okulindele ukuba umgaqo-nkqubo uwugubungele. Ukuba isigwebo asizwanga kakuhle, kukho ithuba elihle lokuba akunjalo.
Kancinane, ukuba ibango liphikisiwe, kufuneka uqhagamshelane nenkampani yomshuwalense ukuba ifune inkcazo ecacileyo yokukhanyela.
4. Ungamkeli iimpazamo zokufakela njengezizathu zokungala.
Njalo ulandele umyalelo wakho womshuwalense wokufakela ibango. Kodwa ukuba uhluleka ukugcwalisa ifom ngokuchanekileyo, okanye ukuba ulahlekelwa ngumhla wokugqibela wokuthumela ibango, nangona uhamba ngeenyanga, inkampani yakho yomshuwalense ayikwazi ukuhlawula.
Ukuba wenze ibango elivumelekileyo, inkampani kufuneka ibonise ukuba yenzakaliswa yimpazamo yakho okanye ithintelwe ekubeni wenze uphando olwaneleyo ngenxa yokulibazisa kwakho. Le yimeko engavumelekanga, kwaye kwiimeko ezininzi, ukukhanyela okanye ukwenqaba akuvumelekanga.
5. Yenza uphando lwakho ukuxhasa ibango lakho.
Ukuba inkampani yakho ye-inshorensi ikhokhela ngaphantsi kokulindela ukunyamekelwa, enoba yintoni abanye oogqirha abakwimimandla yakho ekuhlawulwa ngayo. Ukuba abanye oogqirha bahlawulisa ngaphezu kokuba ufumene, mngeni umngeni.
6. Cela ummeli wakho we-inshorensi okanye umlawuli wenkqubo yeqela emsebenzini.
I-arhente oyithenge kuyo i-inshurensi yakho, okanye umphathi wakho kumsebenzi wakho, unomsebenzi wokuqinisekisa ukuba ukhuseleko lukhusela iimfuno zakho. Xhumana nabo ngenkxaso ekujonganeni naluphi na ukuphika kwamangalo.
7. Qhagamshelana nenkampani yomshuwalense ngokuthe ngqo.
Ukuba ummeli wakho we-inshurensi okanye umlawuli weebango asincedisi ukulungisa ingxaki yakho kwiintsuku ezingama-30, fowuni yenkampani yinshuwalense ngokwakho. Yiba nesidima kodwa uqhubeke, kwaye uqhubeke uphakamiso lwekhampani. Qiniseka ukuba wenze irekhodi epheleleyo yeefowuni zonke, kuquka amagama kunye nezikhundla zabo bonke othetha nabo. Gcina iifowuni zakho zeefowuni eziluhlu lweefowuni. Ukulandela nganye ikholi kunye nencwadi emfutshane echaza ukuqonda kwakho ngeengxoxo, kwaye ucele impendulo ebhaliweyo zingadlulanga iintsuku ezingama-30.
8. Cacisa ngokubhaliweyo ukuba ifowuni yakho ayisebenzi.
Qala kunye nomntu ophikisayo ibango lakho, ubhalele kumphathi wesibini. Faka inombolo yakho yomgaqo-nkqubo, ikopi zazo zonke iifom ezifanelekileyo, iibill, kunye namaxwebhu axhasayo kunye nenkcazo ecacileyo, ecacileyo yengxaki. Kufanele ucele ukuba umshwalense uyaphendula ngokubhaliweyo kwiiveki ezintathu. Gcina iikopi zazo zonke idilesi. Qiniseka ukuba uthumele iileta ngeposi ebhalisiweyo, kwaye ugcine iikopi zeerithi. Chaza ukuba yeyiphi imiphumo emibi yokukhanyela ibango lakho. Sebenzisa ityala elifanelekileyo, elingenakuvakalayo kwaye ugweme izitenxo ezingenangqondo okanye ezigxekayo.
9. Bhala ileta yokulandelelana.
Ukuba awufumani mpendulo, thumela iincwadi zokulandelelana, kunye nencwadi yakho yangaphambili ehambelana nezikhalazo zabathengi okanye inkampani yesevisi yamakhasimende kunye nomongameli wenkampani. Kwisizwe ezininzi, ukungaphumeleli ukuphendula ngokukhawuleza kwiileta ezimalunga namabango yinkqubo yomshuwalense engenabulungisa.
10. Cela uncedo ngaphandle.
Ukuba kuyimfuneko, kufuneka ufune uncedo olungaphandle kwongeza uxinzelelo. Ezinye zezibonelelo zangaphandle ziquka:
- Igosa lakho Isebe le-Inshorensi. La masebe akhululekile. Isixa sale masebe sinokunceda ukuhluka ukusuka kwiphondo ukuya kwilizwe. Abanye bathi ngamaSebe anamandla, eCalifornia, eNew York, nase-Illinois, umzekelo, uya kuxoxisana nawe.
- Umququzeli wobugcisa
- Igqwetha
11. Ukufumana inkxaso yoogqirha.
Ukuba unako ukucela inkxaso oogqirha bakho kwibango lakho, unethuba elingcono lokumelana neengxaki ngempumelelo.
12. Khangela ukuphulwa.
Ukuba ibango lakho liphikisiwe ngenxa yokunciphisa ukukhutshwa, jonga ukuba ngaba wakha waziswa malunga nokunciphisa ukukhutshwa. Ukuba ubungenjalo, ke unethuba elihle lokufumana ibango lakho ngenxa yokungaphumeleli kokwazisa isigulane sokunciphisa ukukhutshwa komthetho kukuphula umthetho.
ILizwi
Kukho ezinye izixhobo ezinokukunceda ngolwazi kunye nenkxaso ekuncedeni ukufumana inkxaso yempilo kunye nokubuyiselwa kwembuyekezo. Unokuqhagamshelana nala maqela ukuze uncediswe ngakumbi.
Coalition Coalition for Health Quality Care
1275 K St. NW, Ste. 602
Washington, DC 20005
Ifowuni: 202-789-3606
Iwebhusayithi: http://www.consumers.org
Abathengi ngeMpilo yoLondolozo
1750 i-Ocean Park Ave., uSt. 200
ISanta Monica, CA 90405
Ifowuni: 310-392-0522
Iwebhusayithi: http://www.consumerwatchdog.org
Ungaphinda ufune ukufunda incwadi ethi Fight Back & Win - Indlela yokufumana i-HMO yakho kunye neNtsholongwane yezeMpilo ukuze uhlawule , nguWilliam M. Shernoff, ngolwazi olongezelelweyo.
> Imithombo:
> Lankford, Kimberly. "Unokufumana njani iiNkampani zeNtshurensi ukuhlawula amabango akho" IiNgxelo zePiklinger. Aprili 30, 2012.
> Avitzur, Orly. "Iindlela ezili-6 zokugwema ukuba ne-inshorensi yempilo yomshuwalense." Imibiko yabathengi. Disemba 2014.