Indlela Yokusingatha Ukukhokhelwa Okuphezulu Kwomshuwalense

Abahlinzeki bezokwelapha kufanele bathathe lezi zinyathelo uma kwenziwa imali eyengeziwe

Abahlinzeki bezokwelapha kudingeka bazi ukuthi bangabhekana kanjani nokukhokhwa kwemali yomshuwalense. Ukuphatha ngendlela efanele kungavimbela ukuba ikhanda likwazi ukukhokhelwa kabusha noma ukuhlolwa.

Iyini i-Overpayment yoMshwalense?

Inkokhiso yokukhokhwa kwemali yomshuwalense yinoma yikuphi ukukhokhelwa umhlinzeki owamukelayo ngaphezu kwenani elikhokhwa ngenkonzo eyenziwe.

Yini Ebangelwa Ukukhokha Okukhokhelwa Umshuwalensi?

1. Izinkampani ezimbili zomshuwalense zikhokha njengenhloko ngenxa yokungabi nokuhlanganiswa kwezinzuzo (COB).

1. Izikweletu zomhlinzeki ngokungalungile noma ezingaphezu kwezindleko zangempela.
2. Ukuthunyelwa okuphindaphindiwe kwesimangalo esifanayo okuholela ekukhokheni okuphindwe kabili.

Okufanele Ukwenze Uma Unomvuzo Wokukhokhelwa Kwomshuwalense

Uma kunqunywe ukuthi ibhalansi yakho yesikweletu ingenxa yokukhokhwa kwemali yomshuwalense, inqubo yakho yokubuyiselwa imali kufanele iqalwe. Kunezinyathelo eziyisithupha zenqubo ephelele yokubuyisela imali.

1. Thumela incwadi enkampanini yomshuwalense obenza baqaphele ukuthi ukukhokhelwa ngokweqile kwenziwe ngephutha. Akufanele neze uthumele ukubuyiselwa imali kwenkampani yomshuwalense ngaphandle kokuxhumana nabo kuqala. Ikhamphani ngayinye yomshuwalense inenqubo yokusingatha ukukhokhwa kwemali nokubuyisela imali.
2. Vumela okungenani izinsuku ezingu-30 ukuthi baphendule encwadini yakho. Kufanele uthole imiyalelo yokuthi ukubuyiselwa imali kufanele kuhanjiswe nokuthi ungayithumela kuphi.
3. Uma usuwatholile imiyalelo yokuthi ungayisebenzisa kanjani imali, buyekeze ukuthi ithunyelwe ngayo yonke imininingwane edingekayo ukuze uqinisekise ukuthi kufanelekile.

1. Abanye abathintekayo bakhetha ukuphinda baxoxe ngemali ezayo. Qaphela uma lokhu kwenzeka ukuze ukwazi ukwazisa ngokufanele ama-akhawunti abathintekile ukubonisa lo msebenzi.
2. Uma kungekho mpendulo etholwa yinkampani yomshuwalense zingakapheli izinsuku ezingama-30, xhumana nabo ngocingo ukuze ulandelele ngaphambi kokuthatha isinyathelo esengeziwe.

1. Uma kwenzeka ukubuyiselwa kwemali kungenxa ye-Medicare noma i-Medicaid, inqubo ingase ihluke kwabanye abathwali bomshuwalense. Landela imihlahlandlela ye-CMS ye-Medicare bese uhlola ihhovisi le-Medicaid esifundazweni sakho ukuze uthole imiyalelo yokubuyiselwa imali.

Okufanele Ukwenze Lapho Inkampani Yomshuwalense icela ukubuyiselwa kwemali ngenxa yokukhokhwa kwemali

1. Uma uthola ucingo noma incwadi evela kwenkampani yomshuwalense ecela ukubuyiselwa kwemali, qinisekisa ukuthi bayayiphendula isimangalo, uma kunesidingo. Uma bebiza, bacele ukuba bathumele isicelo sabo ngokubhala.
2. Abanye ababhalisi bakhetha ukubuyisela imali eyengeziwe yokukhokhwa kwemali emalini ezayo. Abanye bangakunikeza isikhathi esithile sokuhambisa isheke sephepha, noma bayakugodla ukukhokha kusuka ekuthumeni okuzayo.
3. Uma unquma ukuthi isicelo sokubuyiselwa kwemali ngenxa yokukhokhelwa ngokweqile akuyona enembile, thintana nenkampani yomshuwalense bese ubacela ukuthi baphinde baphendule isimangalo. Ungalinda kuze kube yilapho kubuyiselwa imali futhi uhambise isimangalo esilungisiwe.

Imali Yomshuwalensi Yakhokhwa Ngokugcwele Iziguli

Lapho umhlinzeki engekho kwinethiwekhi, ezinye izinhlelo zomshuwalense zikhokhela ngqo isiguli futhi isiguli sibonisa isheke kumhlinzeki. Noma, bafaka isheke kwi-akhawunti yabo yasebhange bese bhala isheke kumhlinzeki. Ngokuvamile, uma inkampani yomshuwalense ikholelwa ukuthi inkokhelo eyengeziwe yenziwe, ngokuvamile bayoxhumana nomguli ngokubuyisela imali.