Cabanga umshuwalense wezempilo ngeke ukhokhele ukuhlinzwa okukhethiwe? Akulungile. Umshuwalense wezempilo uzokhokhela ukuhlinzwa okukhethiwe. Eqinisweni, iningi lezinqubo zokuhlinzwa ezenziwa e-United States zihlinzekwa ngokukhetha; iningi likhokhwa, okungenani ngeyingxenye, ngumshuwalense wezempilo. Ngisho ne- Medicare ne- Medicaid ikhokhela ukuhlinzwa okukhethiwe.
Ukubambisana ukuthi izinhlelo eziningi zempilo zizokhokhela kuphela ukuhlinzekwa okukhethiwe okudingekayo ngokwezempilo , futhi umbono wakho we-insurer yezempilo walokho okudingekayo ngokwezempilo kungase uhluke kumbono wakho wokuhlinza.
Kungani Ukuhlinzeka Ngokuhlinzekwa Ukuhlinzwa Okukhethwayo Kuphazamisa Abantu
Abantu bacabanga ukuthi umshuwalense wezempilo ngeke akhokhe ukuhlinzekwa okukhethiwe ngoba badibanisa igama elithi "ukukhethwa" negama elithi "hhayi isidingo sempilo." Akuyona into efanayo.
Ukuhlinzwa okukhethiwe kuyindlela yokuhlinzwa ongakhetha ukuyenza, noma ukhethe ( ukhethe ) ukuthi ungabi nalutho. Okunye ukuhlinzwa okukhethiwe kuyadingeka ngokwezomuthi; ezinye azikho.
Uhlelo ngalunye lwezempilo luyoba nencazelo ehlukile yokudinga imithi. Kodwa-ke, ngokuvamile, inqubo yokuhlinza ngokwemithi:
- Uphatha noma uhlolisise ukugula, ukulimala, ukukhubazeka, izifo, noma izimpawu ezibalulekile ezifana nobuhlungu obukhulu.
- Kungadingeka ukuba umzimba wakho usebenze ngendlela okufanele usebenze ngayo, noma eduze nalokho ngangokunokwenzeka.
Izibonelo Zokuhlinzwa Okukhethiwe Nokuhlinzwa Kwemithi Okudingekayo
- Ukukhetha nokwelapha kuyadingeka . Une- kneth arthritis enamandla. Usuke wazama ukwelashwa okufana nokujova okuhlangene, izidakamizwa ezingezona isifo esivimba ukuvuvukala, ngisho nokulahlekelwa isisindo. Unenkinga yokukhuphuka nokuya phansi izitebhisi zakho zangaphambili. Udokotela ohlinzayo wamazinyo uthi udinga ukuguqulwa kwamadolo . Uhlela ukuhlinzeka ngoSepthemba ozayo ngoba abazukulu bakho bavakashela ehlobo futhi awufuni ukuphulukiswa ngesikhathi sokuvakasha kwabo.
Ukuhlinzwa kuyadingeka ngokwempilo ngoba uyayidinga ukuvumela idolo lakho lisebenze ngokuseduze ngendlela okufanele lisebenze ngayo. Ukuhlinzwa kukhetha ngoba ungakhetha ukubambezela kuze kube nguSeptemba, khetha ukuyibeka ngesonto elizayo noma ukhethe ukuyilahleka ngokuphelele futhi uvele ungene futhi ube nobuhlungu. Izinhlelo eziningi zezempilo zizohlanganisa lokhu kuhlinzwa.
- Okungenayo Ekhethiwe Nokudinga Imithi Kuyadingeka. Udubula entanyeni engozini yokuzingela. Ulahlekelwa isamba esikhulu segazi futhi unenkinga yokulondoloza umoya wakho. Uthathwa nge-helicopter esikhungweni se-trauma lapho usheshe uthathwe ekuhlinzekeni.
Ukuhlinzwa okuphuthumayo akukhethanga. Uma ukhethe ukuyeka ukuhlinzeka, ngabe ufile-masinyane. Ukuhlinzwa kwakungeke kuhlehliswe. Eqinisweni, wawunenhlanhla ukuthi wenze ngisho nekamelo lokusebenza liphila. Ukuhlinzeka kwakudingeka ukuthi ulawule ukuphuma, ukuvikela umoya wakho, nokulungisa umonakalo obangelwa isilonda sokudubula. Izinhlelo eziningi zezempilo zizofaka lokhu kuhlinzeka, nakuba, kuye ngezimo zengozi, kungase kube nomunye umbuzo wecala lomshayeli.
- Ukukhetha Kodwa Akudingeki Ngokwempilo Kunesidingo . Ubona izibonakaliso zokuguga futhi awujabuli ngendlela obukeka ngayo. Usuke wazama i- Botox ne- dermal fillers , kodwa uzizwa sengathi ungabheka kangcono. Udokotela ohlinzayo wasePlastiki ubonisa ukuthi inqubo ephelele ye- facelift yinkqubo eyodwa kuphela okumele ibe nomphumela oyithandayo. Uyilungiselela inyanga ezayo.
I-facelift akuyona isidingo sempilo ngoba ubuso bakho busebenza kahle. Ungavala futhi uvule amajwabu amehlo akho kahle, uthole ukudla emlonyeni wakho, futhi ugcine khona. I-facelift ikhetha ngoba ungakhetha ukuyikhetha noma ukhethe ukungabi nayo. Izinhlelo eziningi zezempilo zingaphika lokhu kuhlinzwa. Kungenzeka ukuthi kufanele ukhokhele wena.
Izinhlelo eziningi zempilo zizohlinzekela ukuhlinzwa okukhethiwe okudingekayo ngokwezempilo uma nje ulandela imithetho yokulawulwa kwezokwelapha. Uma uhlelo lwakho lwezempilo ludinga ukugunyazwa ngaphambi , thola. Uma uhlelo lwakho lwezempilo ludinga ukuthi usebenzise umhlinzeki we- in-network , yenza kanjalo. Uma uhlelo lwakho lwezempilo lungavumelani ukuthi ukuhlinzwa kwakho kuyadingeka ngokwemithi, akunakwenzeka ukuthi ukhokhele.
Ngisho noma uhlelo lwezempilo luhlanganisa ukuhlinzekwa okukhethiwe, ngokuvamile alukhokha imali engama-100%. Inqubo yokuhlinzekela yokukhetha izongena ngaphansi kwamalungiselelo okuhlelwa kwezindleko zezempilo, ngakho-ke kufanele ukhokhe imali ekhokhelwa imali noma imali .
Izindawo ezimhlophe
Ngezinye izikhathi uhlelo lwezempilo lungabhekana nokuhlinzwa okhethwayo nakuba kungadingekile ngokwezokwelapha. Isibonelo, umshuwalense wezempilo omkhulu uhlanganisa ukuvuselelwa kwesifuba noma ukuhlinzwa kwesisu ngokulandela isifo somdlavuza webelevuza. Izinhlelo eziningi zezempilo zihlanganisa ukuhlinzekwa kwezinzalo ezifana ne-tubal ligation ne-vasectomy.
Ngezinye izikhathi ungase ucabange ukuthi inqubo iyadingeka ngokwezempilo, kodwa umhloli wakho wezokwelapha wezinkampani zempilo yomshuwalense awuvumelani. Kulezi zimo, unelungelo lokukhalaza leso sinqumo.
Manje ukuthi uyazi ukuthi umshuwalense wezempilo ukhokhela ukuhlinzwa okukhethwayo, bheka ukuthi yiziphi ezinye izinkolelo ezingalungile onayo mayelana nomshuwalense wezempilo.