Izindlela Zokukhokha Ukuhlinzwa Kokufakelwa Kwamzimba

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Indlela Yokukhokha Ukufakelwa Kwesisindo

Ukuhlinzwa kungaba yindleko enkulu yokuhlinzwa nokuguqulwa komzimba kuphakathi kwezinqubo ezibiza kakhulu. Kubantu ababhekene nenqubo ebiza kakhulu, okungenzeka noma kungabi yindlela yokufakelwa kabusha, kungase kudingekile ukukhulisa imali kusengaphambili ukwelashwa.

Ukuhlolwa kokuqala okudingekayo ukuze isiguli sibekwe ohlwini lokulinda ukufakelwa noma ukukhishwa ukuhlinzeka kungadla amashumi ezinkulungwane zamaRandi, ngisho noma isiguli singakhanjelwa esibhedlela

Akuyona into engavamile kakhulu ngezindleko zokuhlinzeka okukhulu futhi kulandela ukunakekelwa esibhedlela esandisiwe ukuze kubangele ibhilikhithi elidlula u-$ 500,000. Ngeshwa, izindleko azipheli ngokuhlinzwa; izindleko zemithi ngonyaka emva kokuhlinzwa zingaba izinkulungwane zamaRandi ngonyaka.

Okufanelekile, isiguli siyoba nomshuwalense oyinhloko ukukhokhela iningi lezindleko kanye nesimo sesibili somshuwalense ukukhokha izindleko ezisele. Ngisho nangomshwalense omuhle kakhulu okhokhela u-80% we-bill yonke, ama-20% asele angadlula u-R10 000 000 kusukela ekuhlinzekeni yedwa. Ngokwe-inshuwalense yesibili noma eyengeziwe, i-20% esele ingakhokhwa yinkampani yomshuwalense kunokuba isiguli.

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Izindleko ze-Organ Transplantation nezinye Ezokushisa Ezibizayo

Ukuhlinzwa kwangaphambi kokuhlinzwa, izivivinyo zamalebhu kanye nokuhlolwa okujwayelekile ekulungiseleleni ukuhlinzeka konke kubangela izindleko eziphezulu zokufakelwa. Ezinye izindleko ezengeziwe ongase ungalindele zifaka:

• Isibhedlela siyadingeka ngaphambi kokuhlinzwa
• Izindleko zokwelapha ngaphambi kokuhlinzwa, njenge-dialysis namapompo e-insulin
• Ukuhlinzwa nokufakelwa esibhedlela
• Imithi yokulwa nokulahla
• Ukuvakashelwa okuqhubekayo nodokotela ohlinzayo
• Noma yikuphi ukwelashwa okwengeziwe okudingekayo
• Umshuwalense owenzela imali, okhokhela kanye nama-premium
• Izindleko ezingezona ezezokwelapha, ezifaka ukunakekela izingane, ukuhamba, nokulala
• Imali elahlekile

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Ukukhokhela Ukuhlinzwa Okubizayo Ngomshwalense Wobumfihlo

Umshuwalense wangasese uhloswe ongaxhasiwe nguhulumeni; isiguli noma oshade naye uthola inqubomgomo yomshuwalense wangasese kumqashi wakhe. Kwezinye izimo, ikakhulukazi kubantu abazisebenzisayo, umshuwalense wangasese bangatholakala ngaphandle komsebenzi. Uma kunjalo, isiguli siyakhokhela i-premium yomshuwalense.

Ngokuya ngohlelo, umshuwalense wangasese ungase uthathe inani elikhulu lezindleko zokufakelwa komzimba. Kodwa-ke, izinhlelo eziningi zomshuwalense zine "cap" noma ngaphezulu ukuthi inkampani yomshuwalense izokhokha ukunakekelwa kwesiguli. Leli cap lingasetshenziswa noma lidluliwe ngokunakekelwa okujwayelekile ngesikhathi sokufakelwa komzimba.

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Umshwalense Wesibili Ungasiza Ukuchaza Izindleko Zokuhlinzwa

Umshuwalense wesibili kuyinqubomgomo etholakala ngaphezu komshuwalense otholwe ngumqashi, uhulumeni noma ngasese. Kunconywa ukuthi iziguli ezingenakho ukufakelwa ezingenayo inqubomgomo yomshuwalense wesibili zithola inqubomgomo yesibili ukusiza ukukhokhela izindleko ezingagcinwe inqubomgomo yomshuwalense oyinhloko.

I-COBRA isibonelo somshuwalense wangasese esitholakala ngaphandle kwendawo yokusebenzela; isiguli sikhokhela i-premium yomshuwalense.

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Ukusebenzisa i-Medicare ne-Medicaid Ukukhokhela Ukuhlinza Okudakayo

Medicare

Lolu hlobo lomshuwalense okhokhelwa uhulumeni ukhokhela ukuguquka, kodwa akuwona wonke umuntu ofanelekayo wokukhokhelwa. Ibuye ikhokhele nezinye izinhlobo eziningi zokuhlinzwa, uma inqubo ibonakala iyadingeka.

Iziguli ezingaphezu kweminyaka engama-65 ubudala, abakhubazekile, nalabo abaye batholakala ukuthi banesifo sokuqeda isisindo (ESRD) sokuphela kwesiguli bayakufanelekela ku-Medicare. Ukwengeza, iziguli zingase zifaneleke uma zona noma labo abashadile bezikhokhele ohlelweni lweMedare. Iwebhusayithi ye-Medicare www.medicare.gov inikeza ulwazi oluningiliziwe mayelana nokufanelekela ukuthola, futhi yikuphi ukutholakala okutholakala kuhulumeni ngamunye.

I-Medicaid

I-Medicaid i-inshuwalense exhaswe nguhulumeni ngeziguli ezincane ezihola imali ezilawulwa yizizwe ngabanye. Ukuhlanganiswa, kanye neziqu zokubheka, kungahluka phakathi kwezizwe. Umkhawulo wemali engenayo ukuze ufanelekele ukuhluka okuhambisana nobukhulu bomndeni kanye nezinga elingeniso, kepha imali engenayo akusho ukuthi isiguli siyokwazi ukuthola ukukhokhelwa.

Uma isiguli singakufanelekeli i-Medicaid ngenxa yezinga lemali engenayo, usengakwazi ukuthola "ukuchitha phansi" i-Medicaid, ebheka inani lemali ekhokhwa ukunakekelwa kwezempilo. Umhleli wezezimali esikhungweni sokufakelwa kufanele akwazi ukusiza iziguli zihambe ngokubhekana nehhovisi lezokuphepha lomphakathi elilawula iMedicaid.

Amasevisi we-Medicare ne-Medicaid Services Services

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Ukusebenzisa Izinzuzo Zase-Veteran Ukukhokhela Ukufakelwa Kwegciwane

Ama-Veteran okwamanje abasebenza empini noma asebekhulile emasosheni angase afanelekele umshwalense wezezimali ngohulumeni, owaziwa njengeTricare. Le nzuzo yezilwane izofaka isandla ezindlekweni zokufakelwa komzimba.

Ulwazi olungaphezulu luyatholakala kuwebhusayithi ye-Tricare.

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Ukukhokha Ukufakelwa Kwamalungu Ngezikhwama Zomuntu

Iziguli eziningi azikwazi ukukhokhela izindleko ezigcwele zokuhlinzwa komzimba, noma ngisho nenani lemali elincishiswa yomshuwalense, besebenzisa imali yabo. Abantu abaningi abalinde ukufakelwa komzimba banezinkinga zezezimali, ikakhulukazi uma ukugula kwabo kubangele ukuthi babekwe ukukhubazeka.

Lokhu akuvamile, futhi iziguli eziningi zihlola ezinye izinketho ukuze zizisize ukukhokhela inqubo yabo.

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Ukuxhaswa Kwezimali Ukukhokha Ukufakelwa

Ezinye iziguli zokufakelwa zisebenza ezinhlanganweni zomphakathi zokusiza ukukhokhela izindleko zokufakelwa kabusha. Izinhlangano zenkonzo zomphakathi zivame ukuzinikela ukusiza isiguli ukuthola ukuhlinzwa okusindisa ukuphila. Ezinye iziguli zikhetha ukubamba imicimbi yokuqoqa imali, njengokuhamba ngezinyawo, noma ukukhalaza kubangani babo, emndenini nakwamanye amalungu omphakathi ukusiza ukukhulisa imali abayidingayo.

Abaxhumanisi bezezimali ezikhungweni zokufakelwa bangakwazi ukunikeza usizo ngokuthola izinhlangano ezingabamba iqhaza emizamweni yakho yokuqoqa imali.

Ezinye iziguli zinempumelelo enkulu nge-fundraising ku-intanethi, zisebenzisa amawebusayithi afana ne-GiveForward.com ukwabelana ngendaba yabo nesidingo esiphuthumayo.

_Izinkomba:

Izimali Ukufakelwa-Izindleko. I-United Network Ye-Sharing Sharing (UNOS). 2008. http://www.transplantliving.org/beforethetransplant/finance/finance.aspx