Izinyathelo Zokuqinisekisa Ukugunyazwa Ngaphambi Kokutholwa Kutholakale Izinqubo Zezokwelapha
Ukwenqaba ukukhokha ngenxa yezinqubo noma izinsizakalo ezingagunyaziwe ezingagunyaziwe kungase kube ukulahlekelwa okukhulu kwezimali ezingenakuyithathwa kalula. Nakuba amahhovisi amaningi ezokwelapha ehambela ukuqinisekiswa kwamaphesenti angu-100 ezinsizakalweni zesineke, akusekho isiqinisekiso sokuthi yonke i-akhawunti izokwenza kube ngumnyango wenkampani yomshuwalense.
Ubani Ongumthwalo Wokuthola Ukugunyazwa Ngaphambi Kokuqala?
Izimangalo eziphikisiwe ngenxa yokugunyazwa ngaphambi kokuqala zenzeke ngokuyinhloko esibhedlela.
Nakuba le nqubo ingenzeka esibhedlela, umthwalo wemfanelo ukhona ehhovisi likadokotela ukuthola imvume egunyaziwe .
Yiqiniso, kunengqondo ukuthi udokotela abe nesibopho sokuthola imvume ngoba abayala inqubo njengengxenye yokwelashwa kwesiguli sabo. Udokotela unomlando wezokwelapha wesiguli nawo wonke ulwazi ukuthi inkampani yomshuwalense ifuna ukuzimisela. Kodwa-ke, ihhovisi lezokwelapha ekugcineni libophezelekile ukuqinisekisa ukuthi ukugunyazwa kuyatholakala ngoba isibhedlela sizolahlekelwa imali, hhayi odokotela.
Izinyathelo Zokuqinisekisa Ukugunyazwa Ngaphambi Kokutholwa
Kuthatha umzamo owodwa nje kwihhovisi lezokwelapha ukuqinisekisa ukuthi izinyathelo ezidingekayo zithathwe ukuze zigweme imali elahlekile ngaphandle kokugunyazwa kwangaphambili. Landela lezi zinyathelo ezilula.
- Uma nje isiguli sihlelelwe inqubo, inqubo yokuqinisekisa umshuwalense kufanele iqale.
- Uma inkampani yomshuwalense idinga ukugunyazwa kwenkambiso, xhumana nehhovisi likadokotela ngokushesha ukuze uthole ukuthi ukugunyazwa kuyatholakala.
- Uma ihhovisi lezokwelapha lithole imvume, thola inombolo yokugunyazwa kubo. Uma bengenayo, thintana nomnyango ofanele ekhamphani yomshuwalense ukuthola inombolo yokugunyazwa. Kungumqondo omuhle ukuqinisekisa ukuthi ulwazi oluhambisana namarekhodi akho.
- Uma ihhovisi likadokotela lingakutholi imvume, lazisa ngokuzithoba ukuthi kufanele lizitholele ngaphambi kokuba isiguli sabo singenaso inqubo yabo. Ngokuvamile, odokotela bayavumelana kakhulu nalesi sicelo. Bafuna iziguli zabo ukuba zithole ukunakekelwa okungcono kakhulu futhi ngeke zenze noma yini ezibafaka engozini ukuze zikwazi ukwenza inqubo eyenziwa.
- Njalo ulandele inkampani yomshuwalense. Uma kungenzeka, cela ifeksi yokugunyazwa okuvunyelwe kwamarekhodi akho. Ungayidinga kamuva.
- Uma inqubo iguquka noma into ingeziwe ngomzuzu wokugcina, xhumana nenkampani yomshuwalense ngokushesha ngangokunokwenzeka ukwengeza izinguquko ekugunyazweni. Ezinye izinkampani zomshuwalense zivumela isaziso sehora samahora angama-24 ukuba samukelwe ekushintsheni.
Hlola futhi Hlola futhi
Umqondo oyisisekelo lapha ukuhlola, bese uhlola futhi, nalapho usuqedile ukuhlola, hlola isikhathi sokugcina. Ungalokothi ucabange ukuthi ihhovisi likadokotela lithole imvume. Futhi, ungalokothi ucabange ukuthi ngaphambi kokugunyazwa akudingeki. Ikhamphani ngayinye yomshuwalense, kuhlanganise ne- Medicare ne- Medicaid , inezinkombandlela zayo futhi yini engadingeki ukuze omunye adingeke omunye. Qinisekisa ukuthi wena neziguli zakho zimbozwe.