Ukunciphisa Iinkonzo Zonyango ezivunyelwe okanye ezifihliweyo
Ukulinganisa kuthetha ukuba ulinganiselwe koko uvumelekile ukuthenga. Yayisetyenziswe ngexesha leMfazwe Yehlabathi II ukuqinisekisa ukuba imikhosi yayinempahla elaneleyo xa abo basekhaya bengathengisa ubuncinane ubuninzi bebhotela, iswekile okanye i-petroli. Inokumangalisa ukuba ufunde ukuba ukuhanjiswa kwenzeka namhlanje kwiinkonzo zempilo. Ukulungiswa kwempilo kusetshenziswe ngabanini-mshwalense bempilo, urhulumente kunye nabantu ngabanye ukugcina imali.
Abanye banokuze bathethe ukungqinisiswa kwempilo kunceda kakhulu.
Umsebenzi wokuHlaliselwa kwezeMpilo njani?
Unakho ukukholelwa ukuba ukuba kukho unyango olukhoyo, kungakhathaliseki ukuba kuyintoni na, kwaye kungakhathaliseki ukuba kukho ithuba lokuba nemiphumo emihle, kufuneka ifumaneke kuwe. Unokukhungatheka xa uxelelwa ukuba awukwazi ukukwenza okanye uya kufuneka uhlawule ngaphezulu. Nangona kunjalo, ekubeni imali ingagqithwanga, ngoko ke ukhetho lwakho aluphelelanga, kwindlela ezahlukeneyo.
Ukuzihlaziya
Ngamanye amaxesha abantu banciphisa. Masithi uhlakulela ukukhawuleza. Unokukhetha ezimbini. Okokuqala kukuya kugqirha, kubandakanya iindleko zokutyelela kunye kwanoma yimuphi umyalelo okanye iimvavanyo aqhubayo.
Okanye, unokukhetha unyango olungaphezulu kwe-counter-counter, olubiza kakhulu. Ugcina ixesha, ukulibaziseka, kunye nokuphazamiseka kokuqeshwa kukagqirha. Ukuba ukhetha uhambo olungenawo ugqirha-ntengiso, ngoko uzinyamekele ngokunyamekela kwaye ulondoloze imali, ubuncinane kwixesha elifutshane.
Uqhuba umngcipheko wokuba imeko yakho ayifumanekanga ngokupheleleyo kwaye ingenakuphathwa kakuhle, ibe neendleko eziphezulu kwixesha elide kunokuya kudokotela.
Umshurensi wezeMpilo
Abaqinisekisi bempilo be-insurers ukunakekelwa, kodwa abayibizi ukulinganisa, kwaye abafuni nokuba uqaphele ukuba ukulinganisa.
Oku kuthethwa ngokuthi "ukulinganisa i-covert".
Xa iinkampani ze-inshorensi zixhaswa, kuyinani lokulondoloza imali, inxalenye yokwenza ngcono, kodwa nokugcina imali okanye ukuphakamisa imivuzo okanye ezinye izizathu abazithengayo ngabathengi babo. Ezinye ze-rationing yazo zigcina iiprimiyamu zingaphezulu, kwaye ivumela nabatshutshisi ukuba bahlale kwishishini. Nazi ezinye zeendlela abazijonga ngayo.
Abaqinisekisi bempilo bayalumkela ukunyamekela kwakho ngokunciphisa oogqirha onokuba tyelela kuba baxoxisana neerhafu kunye noogqirha. Baya kuhlawula kuphela ukuba batyelele abo baxoxisene neemali eziphantsi kakhulu.
Abaqinisekisi bezeMpilo banakekelwa ngononophelo ngokuhlawula i- co-pays , i- deductibles , kunye neefowuni. Enyanisweni, oko bakwenzayo kukukhuthaza ukuba uzimelele. Ukwazi ukuba umlinganiselo othile wokunyamekela kwakho kuya kufuneka uhlawulwe kwi-pocket yakho, unokukhetha ukuba ungafumani unyango okanye izidakamizwa ozifunayo.
Abaqinisekisi bempilo bayaphika iinkonzo okanye ukubuyiselwa kweenkonzo. Ukukhishwa kwenkathalo mhlawumbi yindlela eqondwa kakhulu yokunciphisa ngenxa yokuba ibangela ukukrakra nokukhungatheka. Ziziphi izigulane ezingaboniyo ukuba le nto yinkalo yokurhafisa echaphazelekayo yimithetho nemimiselo, nayo. Kwiimeko ezininzi, abo banqatshelwe banokuthi kusekelwe kwisayensi okanye ubungqina bokuba unyango aluyi kusebenza, alusebenzi kakuhle, okanye lulo olutsha.
- Izigulane ezininzi ziphazamiseka kukuba i-inshorensi ayiyi kubuyiselwa yonyango. Oko umgcini-mali uza kukuxelela ukuba akukho ubungqina obaneleyo bokubonisa ukuba unyango luya kusebenza.
- Izidakamizwa zokuvavanya, ngaphandle kwelebula okanye iindlela ezintsha zokuhlinzwa zitsha ukubonisa ubungqina obaneleyo bokuphumelela, ngoko inkampani yomshuwalense ayiyi kubuyiselwa yona.
- Ugqirha unokucebisa unyango oluboniswa ukuba luzuze kuphela ipesenti yabantu abasebenzisileyo (ngokuqhelekileyo kwiimeko zonyango ezinzima kakhulu), kwaye kungakho kubiza kakhulu, ngoko inkampani yomshuwalense iya kuthatha isigqibo sokuba ayifanelekanga iindleko eziphezulu ngenxa encinci kakhulu amathuba okuphumelela.
Khumbula, inyaniso, umshwalense akaphiki imvume yokunyanga. Kunoko, intlawulo yonyango iyalahlwa. Isigulane sinokuthatha inxaxheba kwonyango ukuba ingahlawula yona. Oku kwahluke kwamanye amazwe apho iinkonzo zingavunyelwe ukuba zinikezelwe nangona isiguli sinako ukuzihlawulela sona.
Ukunikwa kweMpilo kaRhulumente
Ngaphandle kwemirhumo karhulumente yezempilo. Ukwahlula phakathi kokurhweba kukaRhulumente kunye nokwahlulelwa okwenziwa ngabagcini bomshuwalense wezempilo kukuba akukho nziselwa inzuzo. Urhulumente, ngokusebenzisa i- Medicare okanye i- Medicaid yombuso okanye ezinye iiprogram, ugcina ixabiso eliphantsi kunokwenzeka ukuba ugcine iintlawulo eziphantsi okanye ukwandisa ukunakekelwa kwabanye, bobabini babonwa ngokuba luhle kakhulu.
Umzekelo omhle wokurhafisa urhulumente ngumngxuma we-Medicare. Abadala bayazi ukuba banqongophe kwimali abangayichitha kwimimiselo kuba xa bechitha ngaphezulu, kuvela kwiipokoththi zabo.
Indlela Ukuqonda Ukunakekelwa Kwempilo Kunokukunceda
Kukho izizathu ezininzi zokuba ukuqonda ukunyanzeliswa kwezempilo kuya kunceda.
- Ukuba uya kukhanyela ukunyamekela, uya kuba uyazi ukuba kutheni, kwaye uya kuqonda kakuhle indlela oya kulwa ngayo, ukuba ufuna ukwenza njalo.
- Ingxabano yokuguqulwa kwezempilo iquka iingxoxo malunga nendlela ukuhlawulwa kufuneka kulandelwe ngayo; ingaba kufuneka kwenziwe ngurhulumente kunye nabangasese, nokuba i-United States kufuneka ihambe kwinkqubo yokuhlawula omnye .
Ezinye iingcaphephe zokuhlengahlengiswa kwezempilo ziya kukuxelela ukuba ukuhlalutya kwe-insurer yezempilo yangasese kuthetha ukuba abaqinisekiso-bhoksi yibo abaya kuba ngubani ofumana unonophelo. Bacacisa into yokuba unyango olufumeneyo lunokuthi luyenze ngakumbi malunga nokuba unobharensi wakho unika imvume kunokuba wena nogqirha wakho bacinga ukuba kulungile. Abanini-bhankanyela bodwa bathi xa urhulumente ethatha zonke iindleko zokuxhamla zonke iinkonzo zempilo, ngoko urhulumente uya kwenza izigqibo zonyango kwizigulane.
Izigulane ziya kufuneka zenze isigqibo sokuba zivakalelwa njani malunga nomfanekiso omkhulu. Kodwa ukuqonda namhlanje indlela ukuhanjiswa kwemisebenzi kuya kubancedisa ukuba bafumane indlela yokunyamekela abayifunayo.