Uninzi lwengqesho luhlelwe kwangaphambili, ixesha elininzi lokuxelela inkampani yakho yomshuwalense, ukhethe ugqirha, ulungise ixesha elide emsebenzini kwaye ulungiselele ngokubanzi inkqubo kunye nokubuyiswa okulandelayo. Ukuba uhamba kwaye udinga ukuhlinzwa, amathuba okuba inkqubo yakho ayilungiselelwe kwangaphambili, kwaye, ngokwenene, ibe yimeko engxamisekileyo .
Ukuba ujongene nophando olungalindelekanga xa uhamba kwilizwe lakho okanye kwelinye ilizwe, kukho izinto ezininzi ozakufuneka uyenze ukuze ube nolwazi oluhle kakhulu, zombini kwimpilo yakho kunye nekhredithi yakho.
Kungaba yinto eyoyikisayo ukuba ube neengxaki zonyango xa uphume kwindawo yakho yokuthuthuzela, kodwa ukuhlinzwa kwakho kusenokuphumelela kude nekhaya.
Ukukhetha iSibonelelo
Impilo yakho, ukukhetha isikhungo akunakho okanye akunakukhetha. Unokuthathwa kwisibonelelo esiseduze esiluphilisa ukugula kwakho. Ukuba imeko yakho ayiphumeli, unako ukufumana ithuba lokukhetha indawo. Kuya kuba sisigqibo esilumkileyo sokunyamekela kwiziko elinegama eliqinileyo eluntwini lononophelo oluyidingayo, kwakunye nokufuna indawo ekhuphula i-inshorensi yakho. Kungenzeka ukuba akunakwenzeka ukufumana isibhedlele esenziwa ngokuqhuba inkqubo oyifunayo nayo "kwinethiwekhi" yakho yinshuwalense. Kule meko, impilo yakho iya kuba yinto ephambili, ngakumbi kwiimeko apho ixesha elifutshane likhona, kungekhona ukunyuka kwakho kweendleko.
Ixhorensi
Ukhuseleko lwe-inshurensi lungahluka ngokubanzi ukusuka kwinkampani ukuya kwinkampani kunye naphakathi kwemigaqo. Ubuniki bomntu ngamnye uya kugqiba uhlobo lwenkxaso-mali onokuyilindela kwi-inshurensi yakho yempilo, kwaye ingaba inomsebenzi wakho uya kuhlanganiswa ngokupheleleyo kumgaqo-nkqubo wakho.
Ngokomzekelo, utyando olwenzeka kwelinye urhulumente lunokuwela phantsi kwekharityhulam "engaphandle kwenethiwekhi," ehlanganiswa kwisantya esezantsi "kunethiwekhi."
Ininshurensi yezempilo ngelixa uphuma ezweni
Enye i-inshorensi yempilo ayiyi kuhlawula nayiphi na indleko zonyango ezenziwa ngaphandle kwelizwe. Ezinye iinkampani zinokuhlawula ipesenti yeendleko. Ngokomzekelo, i-Medicare iya kuhlawula i-dialysis engxamisekileyo xa iphuma kweli lizwe, kodwa ezinye iindleko azifihliwe.
Uninzi lweenkampani ze-inshorensi aziyi kuhlawula ukubuyela ekhaya, eli lixesha lokubuyiselwa kwikhaya lakho ukuze unyango lwezempilo. Ukubuyiselwa ngokuqhelekileyo kwenziwa ngokusetyenziswa kwe-jet yangasese esetyenziswe njenge-ambulensi yezobugqirha ekhutshelwe ukunyamekelwa ngonyango kwaye iyaxakeka ngokukrakra, ixabisa amashumi amawaka eedola ngemini.
Abantu abahamba ngaphandle kwelizwe labo bahlala bekhuthazwa ukuba bathenge i-inshurensi yokuhamba, eyahluka kwiinkcazo ezisekelwe kumgaqo-nkqubo othengiweyo. Ezinye zikhusela unyango lwezonyango ngokukhawuleza kunye nokubuyiselwa, ngelixa ezinye zihlanganisa inxalenye yonyango lwempilo. Le nkqubo ixhaphake ngokumalunga neendleko ezipheleleyo zokuhamba ngaphandle kwelizwe kwaye ingaba ngumkhuseli wokugcina impilo xa kufuneka uncedo lwezempilo oluphezulu kodwa alukwazi ukufumaneka kwindawo ekhoyo yangoku yezigulane.
Nalu uluhlu lwezinto wena, okanye intsapho yakho, kufuneka uhlale ukhumbule xa utyando olungalindelekanga nolungacwangciswanga luyinyani xa uhamba:
- Xhagamshelana ne-Embassy yasekhaya yase-United States (okanye i-embassy yakho ukuba awukho e-United States) kwaye ubuze uncedo lwabo ekukhethweni kwendawo yokuhlala ukuba unobunzima bokufumana isibhedlele esifanelekileyo.
- Shayela inkampani yakho yenkampani yomshuwalense wezempilo kwaye ubaxelele malunga nento eyenzekayo. Ezinye iinkampani zinciphisa umgca wokungabikho xa zingakhange ziziswe ngokukhawuleza.
- Shayela indawo yakho yomsebenzi kwaye ubaxelele utshintsho kwizicwangciso zakho kunye noshintsho olwenzekayo ekubuyeni kwakho kumhla wokusebenza.
- Fumana iirekhodi zezokwelapha ukusuka ekhaya ngokukhawuleza ukuba zinokuba nolwazi oluya kunceda unyango lwakho lokugula.
- Ukuba unayo i-inshurensi yokuhamba, yenza inkampani yomshuwalense ukuba iyayiqonda imfuno yakho yokusebenzisa i-coverage yakho.
- Isixhobo osisebenzisayo sinokunika abaguquleli ukuba bancede ekunyamekeleni. Ukuba isibhedlele sibonelela ngolwimi ongekho kakuhle, qiniseka ukuba ubuze malunga neenkonzo zokuguqulela.
> Umthombo:
> I-Medicare Coverage-Travel. http://www.medicare.gov/popasho/thatheni-e--edited-health-care-us-us.html