Indlela Yokukhokhela Ukuhlinza Izindleko Umshwalense Angeke Awukhokhe

Ukukhokha ukuhlinzekwa ngaphandle kwe-pocket, okujwayele ukubizwa ngokuthi ukuzikhokhela, kungaba okubi kakhulu. Uma ungenayo umshwalense noma umshwalense wakho ngeke ukhokhe ukuhlinzwa kwakho - njengoba kuvamile nezinqubo ezithile zokulahlekelwa isisindo kanye nokuhlinzwa okuningi kweplastiki - kunezindlela zokuthola ukunakekelwa kwezempilo okudingayo, noma ngabe kufanele ukhokhele inqubo ngokwakho .

Ngenkathi ukuhlinzwa ngokuzikhokhela akuyona into enhle, kungase ibe inketho ekhangayo ngaphezu kokuphila ngaphandle kokuhlinzwa, okungase kusho ukuthi uhlala ebuhlungu noma ngesimo esingenampilo. Futhi, noma ngabe unomshuwalense ungase udingeke uhlole izinketho zokuzikhokhela, njengoba iningi lomshuwalense likhokha kuphela ingxenye yesikweletu, okushiya ukuthi ukhokhe konke okunye.

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Indlela Yokukhokha Ukuhlinzwa - Ngisho Noma Inkampani Yomshuwalense Ngeke

Uma ukhathele izinketho zakho ngomshuwalense wakho wezempilo kanye ne-Medicare (uma lokho kuyindlela), kungase kube yisikhathi sokuqala ukuphenya izindlela ezihlukile zokuxhasa imali. Khumbula ukuthi zonke izinketho zokuxhasa imali zidinga izimali ezizokhokhwa, ngokungafani nomshuwalense onakekela iningi lomthethosivivinywa.

Qinisekisa ukuthi izindleko ozikhokhela zihlanganisa zonke izindleko ezilindelekile , kuhlanganise nesikhwama sokuhlinza udokotela ohlinzayo, izindleko ze-suite yokuhlinza, izindleko ze- anesthesia , ukunakekelwa esibhedlela ngaphambi nangemva kokuhlinzwa, ama-labs, imithi, ama- x-rays nanoma yikuphi ukuhlolwa okubekwe ngu- udokotela wakho nokuvakashelwa okudingekayo ngaphambi nangemva kokuhlinzwa.

Ngaphezu kwalokho, qinisekisa ukubeka ukuthi yiziphi izinkokhelo zakho ezizobe sezikhona emva kokuhlinzwa ngaphambi kokuba nenqubo. Awufuni ukuvuvukala kabi uma kuqala ibhilidi yakho yokuqala futhi izinga lakho lesithakazelo noma ukukhokha kuphakeme kakhulu kunalokho owakulindele. Uzodinga futhi ukuhlela noma yiziphi izinkinga, njengezinkinga, ezingakhulisa izindleko eziphelele zokunakekelwa kwakho ngokuphawulekayo.

Melana nesilingo sokungazinaki izingcingo ezivela emnyangweni wezokuqoqwa esibhedlela. Laba bantu bangasebenza nawe, bakusize ukuthi usethe uhlelo lokukhokha, futhi ube namandla okunciphisa inani eliphelele lemali oyikhokhayo. Cabanga ngalaba bantu njengomngane wakho omusha omkhulu, ozophatha kahle kakhulu kunanake waphatha noma ubani empilweni yakho yonke. Ngempela. Ngokujulile. Uma ukhokha ukuhlinzwa ngaphandle kwephaketheni, lo muntu owucela ukuthi akuvumele ukuthi ukhokhe izinga elifanayo izinkampani zomshuwalense ezixoxe ngazo ngenqubo efanayo. Lesi isicelo esifanele futhi ngokuvamile sihlonishwa, ikakhulukazi uma sixoxisana kusengaphambili. Thola lesi sivumelwano ngokubhala.

Uma udinga ukuhlinzwa okubizayo kakhulu, njengokufakelwa komzimba, esikhundleni sokuhlinzwa okujwayelekile, thola kabanzi mayelana nokuthi ungakhokha kanjani ukuhlinzwa okweqile ngaphandle kokungaqondakali .

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Nciphisa Izindleko Zokuhlinza Ngokukhulu Kangako

Ngaphambi kokuba uzame ukuthola ukuthi ungakhokhela kanjani ngaphandle komshuwalense, zama ukuthola ukuthi unganciphisa kangcono izindleko zokuhlinza kwakho ngaphambi kokuba wenze inqubo. Okokuqala, thola ukuthi inqubo izokwenani imali encane yemali. Lokho kusho ukuthi wonke umuntu onakekelayo, kusuka ku-anesthesia kuya kudokotela ohlinzayo, isibhedlela kanye nekhemisi kudingeka sibe inethiwekhi uma unomshuwalense. Uzothola isilinganiso esingcono, noma ngabe inkampani yakho yomshuwalense ayikwenzeki ithebhu.

Okulandelayo, uxoxisane ngesilinganiso esingcono. Kuyinkinga ebabayo ukuthi abakhokhi bentela bakhokha isilinganiso esiphezulu kunabantu abanomshwalense, nakuba umshwalense uxoxisane ngesilinganiso esingcono nomhlinzeki. Shayela udokotela ohlinzayo , isikhungo sokuhlinza , umhlinzeki we-anesthesia nanoma ubani omunye onikezela ukunakekela kwakho futhi uchaze ukuthi uzokhokha ephaketheni ukuze ufise izinga elihle kakhulu elinikeza izinkampani zomshuwalense. Uma unomusa, uphikelela futhi uchaze isimo sakho, ungase ukhathazeke ngokuthi kungakanani ukukhishwa kwebhilidi okungenzeka.

Buza imibuzo yomuntu wonke okhuluma naye ngokunciphisa izimali. Kwezinye izimo besebenzisa isikhungo sokuhlinzeka esikhundleni sesibhedlela singabangela izinkulungwane zamadola alondoloziwe. Abantu abasebenza ekukhokheleni bazoba ngabantu abakukwazi ukukusindisa imali, futhi bayokwazi ngezinhlelo zabantu abanenkinga yezezimali.

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Imibuzo Ebalulekile Yokubuza Ngaphambi Kokuqashwa Kwezimali

• Uzodinga isikhathi esingakanani ukukhokha imali mboleko?

• Izinkokhelo zizoba yini esikweletini?

• Uzokwazi yini ukuphatha izinkokhelo noma uzobe unzima ukukhokha izikweletu zakho ngesikhathi?

• Ingabe uzokhokha amakhadi wakho esikweletu ngoba ungeke ukwazi ukwenza inkokhelo enkulu kunaleyo?

• Uzokwenzenjani uma izindleko zokuhlinza ziphakeme kunalokho okucatshangwa udokotela wakho ohlinzayo?

• Ingabe uzoxoshwa ekukhokheni imali uma izindleko, ngakho-ke izinkokhelo, zinganakwa?

• Uzokwazi yini ukukhokhela imithi kadokotela oyidingayo emva kokuhlinzwa uma ukhokha imali yakho yekhadi lesikweletu?

• Ingabe ngeke ukwazi ukulondoloza izidingo zakho zesikhathi esizayo uma ukhokha ukuhlinzwa kwakho?

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Ukuboleka Emalondolozini Okuthatha Umhlalaphansi Wokuhlinza

Uhlelo lwakho lwe-401k noma i-403b lomhlalaphansi lwakho lungakuvumela ukuba ubole imali ngemali oyilondolozile ngaphandle kwesijeziso. Lezi zinhlelo zihlukile kumqashi kumqashi, kodwa iningi lizokuvumela ukuba uhoxise imali engu-50% ebhalansi yakho ekhokhelwa - kuze kufike ku-$ 50,000 - ukuze uthole izindleko zezempilo.

Ubude besikhathi obuvunyelwe ukubuyiselwa kwemali buyahlukahluka, kodwa uma ushiya indawo yakho yomsebenzi ngaphambi kokuba ubuyisele imali kungase kube nezinhlawulo ezinkulu zentela. Uzolahlekelwa isithakazelo ozobe uzuze ngemali oyihoxisayo, kodwa ngeke ukhokhe inzalo mboleko njengalokhu ungayenza ngokuboleka kwendabuko.

Uma une-Roth IRA, ungakwazi ukuthola izimali zokukhokha ukuhlinzwa kwakho. Ngokujwayelekile i-Roth IRA ayilawulwa ngabaqashi, kodwa ngabatshalizimali ngabanye, ngakho-ke kufanele wenze ucwaningo lwakho. Qala ngokubiza inombolo yesevisi yamakhasimende esikhwama sakho futhi ubuze ngokuthatha imali ngaphandle kwe-IRA ngaphambi kweminyaka yobudala.

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Ingabe Kufanele Usebenzise I-Eck Yakho Isikhumba Sokuhlinzwa?

Uma ukuhlinzwa kuyadingeka, kungase kudingeke ukuthi udoti eqanda lakho lidle ukukhokhela ukuhlinzwa ngokulondoloza kwakho. Ngenkathi usebenzisa imali yokugcina impilo yakho ezintweni ezifana nokuhlinzwa akuyona into enhle, uma ukuhlinzwa kuzokwenza ngcono ikhwalithi yakho yokuphila, kungenzeka ukuthi imali isetshenziswe kahle kakhulu.

Kuye ngesikweletu sakho kanye neholo lakho, ungase ufune ukuboleka imali emithonjeni engaphandle bese ugcine imali yakho ingatholakali kalula. Nakuba isikweletu sizoholela ekuthwalweni kwentela, kungase kudingeke imali eyengeziwe ikhokhwe ngenhloso yokulondoloza ukuvikeleka kweqanda lesidleke noma isikhwama esiphuthumayo, ikakhulukazi uma ungadinga imali ngesikhathi sokuvuselela uma ungakwazi ukusebenza.

Imininingwane yenkinga yakho izosiza ukuthi ubone ukuthi kungcono yini ukuthatha imali ngaphandle kokulondolozwa noma ukukhokha ngemalimboleko ekhishwe ukuhlinzwa.

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Ukusebenzisa Ukulingana Kwakho Kwekhaya Ukuze Ukhokhele Ukuhlinza Ngobuchopho

Imalimboleko yokulingana yasekhaya ibolekiswa ngokubaluleka kwekhaya lakho elikhulu kunabhalansi yakho. Isibonelo, uma ikhaya lakho njengamanje libiza u-$ 100,000, kodwa kufanele ukhokhe imali engu-$ 70,000 kuphela ebhange, ungakwazi ukuboleka imali engama-$ 30,000 ngokulingana.

Ngokuvamile kulula ukuthola lolu hlobo lwemali mboleko kunomboleko ongaqinisekisiwe ngoba indlu iyimbambano yakho. Loluhlobo lwemali mboleko lunikeza nokuphumula kwentela njengoba inzalo yentela inqatshelwe njengenzuzo ejwayelekile.

Khumbula ukuthi uma ungeke ukwazi ukukhokhwa ngemali mboleko yezindlu, imiphumela ingaba nzima. Ukwehluleka ukukhokha imali mboleko kungabangela ukuguqulwa nokukhishwa ekhaya.

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Imali Engaqinisekisiwe Yezokwelapha Izindleko

Imalimboleko engaqinisekisiwe yilezi nje okuzwakalayo: umboleko ongaqinisekisiwe ngempahla onayo. Imali mboleko esekelwe esikhwameni sakho kanye neholo lakho futhi ayisebenzisi isibambiso ukuze uqinisekise ukuthi uboleke imali. Amakhadi esikweletu ngenye indlela yemalimboleko engavikelekile kodwa kunezinye izinhlobo ezitholakalayo.

Ibhange noma inkampani yokubolekisa izonquma ukuthi ungakholeka kangakanani nokuthi ngakanani izinga, kanye nemigomo yokubuyisela. Loluhlobo lwemali mboleko lukhuni ukuthola ngaphezu kwemalimboleko yokulingana ekhaya futhi inesilinganiso esikhulu senzalo. Udokotela wakho ohlinzayo angase ahlanganyele nohlelo lokubolekisa, kodwa qiniseka ukuthi uqhathanisa amanani entengo neminye imithombo uma ufanelekela lolu hlobo lwemali mboleko.

Qaphela ukunaka kwesithakazelo futhi uqhathanise nezinye izinketho zakho. Uma unekhadi lesikweletu elihlinzeka ngezinga eliphansi kakhulu, ikhadi lekhredithi lingase libe yindlela ekhangayo kakhulu.

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Izinhlelo Zokukhokha Zokuhlinzwa

Abanye odokotela nezibhedlela banikeza izinhlelo zokukhokha zezinsizakalo zabo. Izinhlelo zokukhokha zivame ukuhlinzekwa uma ukuhlinzwa kwakho kuhlawulelwa njalo ngesiguli kunenkampani yomshuwalense. I- hysterectomy cishe ihlanganiswa yomshuwalense, ngakho-ke odokotela abahlinzayo abasebenza ngokukhethekile kwi-hysterectomy kungenzeka banganikeli uhlelo lokukhokha; Ngokuphambene nalokho, ukuhlinzwa kwepulasitiki akukaze kukhokhelwa ngumshuwalense, ngakho-ke udokotela ohlinzayo cishe uyokwazi ukukhetha izinkokhelo zokuzikhokhela.

Kwezinye izimo, izinhlelo zokukhokha yisivumelwano esisemthethweni sokuthi uzokwenza izinkokhelo zenyanga zonke ukuze ukhokhe izindleko zokuhlinzwa kwakho. Kwezinye izimo, uhlelo lokukhokha luboleke imali, kodwa isibhedlela noma udokotela ohlinzayo uhileleke ekuhleleni kwezimali.

Ezinye izibhedlela zingase zinikeze uhlelo lokukhokha lwezinsizakalo zabo, kodwa uhlelo luyizinhlelo zokukhokha zanyanga zonke eziqedile ukuhlinzwa kwesikhathi.

Uma kwenzeka ukuhlinzekwa okungahleliwe noma ukuhlinzwa okuphuthumayo lapho inqubo isenziwa esigulini esingagciniwe, izibhedlela zikhuthazwa kakhulu ekusekeni uhlelo lokukhokha ngeziguli ezizimisele. Izinkokhelo zenyanga, ngisho noma zingekho ezinkulu, zikhanga kakhulu emnyangweni wokukhokha kunanoma iyiphi inkokhelo futhi ingagcina isikweletu singabonakali embikweni wakho wesikweletu njenge-akhawunti engalungile.

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Nciphise Izindleko Zokuhlinzwa Ngokuhlinzwa Kwezizwe Noma Ukwelapha

Eyaziwa ngokuthi ukuvakasha kwezokwelapha noma ukuhlinzekwa ngamazwe, kukhona umkhuba wakamuva wokuhlinza ukufuna ukunakekelwa kwempilo ngaphandle kwe-United States. Ukuhlinzwa kwamanye amazwe kuhlale kungabizi kakhulu futhi kwezinye izindawo izindleko zingaphansi kakhulu. Kwezinye izindawo, izindleko zingaphansi kuka-75% kunalokho okuzokwenyuka izindleko ekhaya.

Odokotela abahlinzayo abavela ngaphandle kwe-US sebeqalile ukufuna iziguli ezizimisele ukuhamba ngokuhlinzwa okudingayo, ukuzikhuthaza ngokwamanye amawebhusayithi nokunye ukukhangisa. Kwezinye izimo, odokotela abahlinzayo abaqeqeshwayo baqeqeshwe ezindaweni ezivelele zaseMelika, futhi banokuqeqeshwa okufanayo, noma okungcono, kunokwenziwa odokotela abahlinzayo e-United States.

Ukuhlinzekwa kwamazwe ngamazwe akufanele kuthathwe kalula futhi kufanele kucutshungulwe kahle. Ngaphandle kweziqinisekiso zokuhlinza, okumele kuqinisekiswe, isikhungo ozophulukiswa kuso kudingeka siphenywe futhi. Nakuba udokotela ohlinzayo ebaluleke kakhulu emphumela wokugcina wokuhlinzwa, ingxenye yokutakula inqubo kufanele ilandelwe abasebenzi abaqeqeshwe kahle.

Kubalulekile ukuba udokotela ohlinzayo abe nobuchwepheshe obukhulu, kodwa umuntu oyakunakekela ngesikhathi sokuphumula kwakho kubaluleke kakhulu. Kumele bakwazi ukubona noma iziphi izixwayiso noma izinkinga ezingase zivele futhi zazise udokotela wakho ohlinzayo. Khumbula, udokotela wakho ohlinzayo unamakhono nje njengabasebenzi abakukhathalelayo lapho engekho.

Ezinye izinkampani zomshuwalense zize zikhokhelwe ukuvakasha kwezokwelapha ngezinqubo ezidingekayo, njengoba izindleko kubo zihle kakhulu ngokweqile kunokujwayelekile. Kuzodingeka uxoxisane ngalokhu nabamele inkampani yakho yomshuwalense ukuthola ulwazi oluthe xaxa.

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Amakhadi esikweletu angase abe yindlela yokukhokhela ukwelashwa kwakho

Ngesibhakabhakeni-inzalo ephezulu ekhishwa ngamakhadi esikweletu, le ndlela ayiyona into ekhangayo, kodwa inketho yokugcina. Amanye ama-credit cards akhokhelwa inzalo engaba ngu-22%, inani eliyinqaba uma uboleka imali eningi edinga ukuhlinzwa. Kwezinye izimo, izinga lentandokazi liphansi kakhulu kunelokho, ukuhlinzeka okukhethwa kukho okukhangayo kakhulu ukukhokhela ukuhlinzwa. Isitatimende sakho sekhadi lesikweletu sizocaca ngokucacile izinga lenzalo yakho yonyaka, kodwa kungenzeka ukuthi izinga liyehlise, kuye ngokuthi inkampani.

Uma ukhathele izinketho zakho futhi kufanele usebenzise amakhadi esikweletu, kufanele unqume ukuthi yiziphi izinkokhelo zakho ozolandela ngemuva kokukhokha ukuhlinzwa.

Uma unamakhadi amaningi, qiniseka ukuthi usebenzisa ikhadi ngenani lesenzalo esiphansi futhi unganqikazi ukudlulisela ibhalansi uma ikhadi elihlukile linikeza isilinganiso esivumayo. Izinkampani eziningi zamakhadi zinikeza ukuhanjiswa kwebhalansi ephansi-phansi ukuze uthole ibhizinisi lakho, bese ukhulisa amazinga kumazinga avamile emva kwezinyanga eziyisithupha. Uma unamakhadi amaningi, ungakwazi ukugcina izinga lakho lesithakazelo okungenani ngokudlulisela ibhalansi uma kuvela ithuba.

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Ukushintsha Umshwalense Noma Imisebenzi Kungakusiza Izinkulungwane zamaDola

Uma umshuwalense wakho wamanje unqunyelwe ukuhlinzwa kwakho, kodwa uhlelo oluhlukile lomshuwalense luzokhokhela inqubo, ungase uthande ukucabangela ukushintsha izinhlelo zomshuwalense. Kubantu abaningi okusho ukushintsha imisebenzi, kodwa kungase kungadingeki ukuthi uthathe leso sinyathelo esikhulu. Uma ushadile futhi umshuwalense wakho ngeke akhokhe ukuhlinzwa, kodwa intando yomyeni wakho, ungase usindise izinkulungwane zamadola ngokushintsha umshwalense womlingani wakho.

Izinkampani eziningi zilinde kuze kube nguJanuwari ukwenza izinguquko kumgomo wawo womshuwalense, kodwa abanye bangenza izinguquko phakathi nengxenye ehlukile yonyaka. Qinisekisa ukuthi ubuze mayelana nanoma yiziphi izinguquko ezizayo. Ungathola ukuthi uma inqubomgomo entsha iqala, ukusakazwa kwakho kushintshile noma kuthunyelwe kumhlinzeki womshuwalense omusha. Kulezi zimo, kuhlawuleka ukuphenya ukuthi inkampani entsha noma inqubomgomo inikeza ini. Ungathola ukuthi udinga ukuhlela ukuhlinzeka kwakho ngaphambi kokuguqulwa ukuze ulondoloze imali, noma ungase uhlakaniphe ukulinda, kuye ngokuthi izinguquko ekukhokheni kanye nemali ye- copay .

Izwi elivela

Ukuhlinzwa kuyabiza kodwa kunezindlela zokwenza ukuhlinzeka kungenzeka ngaphandle komshuwalense noma ngosizo oluncane lomshwalense wakho. Okunye ukuhlela kungenza umehluko omkhulu ngobukhulu besikweletu sakho, futhi ngisho nezinkokhelo ezincane njalo ngenyanga zingavimbela izikweletu zakho zezokwelapha ekubhubhiseni isikweletu sakho.

> Umthombo:

> Kiplinger. Uma Umshwalense WezeMpilo Wakho Angakhokhi.