Kungakubiza Imali Eningi Futhi Kukuvimbele Ekungenisweni
Izibhedlela ziye zaveza indlela engavumelani yokwenza imali, okungabeka iziguli engozini kokubili ngokwezezimali nangokwemithi. Basebenzisa lokho okuvame ukuba yindlela enhle yokusiza iziguli ezingadingeki ngempela ukuba zivunyelwe esibhedlela, okuthiwa "isimo sokubuka." Kubiza iziguli imali emaphaketheni abo nasezintela zabo, futhi kungase kuthinte imiphumela yabo yezokwelapha, futhi.
Isimo Sokugcina Isibhedlela siyini?
Uma iziguli ziya ekamelweni eliphuthumayo , kunqunywa ukuthi ngabe kufanele bavunyelwe esibhedlela noma cha. Ezinye iziguli zithunyelwa ekhaya ngezinye izinhlobo zokwelashwa okuchazweyo nokunakekelwa okulandelwayo. Abanye bayavunyelwa ngokushesha ngoba bafuna ukuhlinzeka ngokucacile noma olunye uhlobo lokuhlolwa kwezokwelapha noma ukwelashwa. Abanye bangase babe ngumngcele, noma bangadinga ukwelashwa okwesikhashana - yizo lezo ziguli ezingase zibekwe esimweni sokubuka.
Isibhedlela senza kanjani imali kusuka esimweni sokubheka?
Uma isiguli sinikezwe isimo sokubheka, kubhekwa ukuthi "uyisiguli" - okusho ukuthi akavunyelwe esibhedlela. Kungaba yinzuzo esibhedlela ukuba inikeze leso simo sesiguli sesiguli ngaphandle kokumvuma ngokusemthethweni. Nansi indlela:
- Amanye ama-insurances, kuhlanganise ne- Medicare , angacabangi isimo sokubheka njengokwamukelwa ngakho-ke angalifihli izindleko njengoba bebengathanda uma isiguli sifakwa esibhedlela. Lokhu kusho ukuthi isiguli singakhokhiswa imali ngokuvakasha kwabo. Ukukhokhwa kwenkokhelo yokuvakasha kokubeletha kuphakeme kakhulu kunokwakhokhwa kusuka kumshuwalense wokuhlala kwesiguli esivunyelwe ngoba, okwamanje , izinkampani zomshuwalense zixoxisana ngamazinga aphansi kakhulu kulabo abakhokhayo .
- I-Medicare ayibuyiseli ngokuphelele izibhedlela iziguli eziye zabhalwa zingakapheli izinsuku ezingu-30 zisuka esibhedlela ngaphambili. Lokhu kusho ukuthi uma isiguli sikaMedare sifakwa esibhedlela, bese sithunyelwa ekhaya, futhi siphinde sibheke ekamelweni eliphuthumayo kungakapheli izinsuku ezingama-30, isibhedlela sizohlawulwa ukuze sifunde. Ngokubeka isiguli esimweni sokubuka, bangagwema lesi sinxephezelo esingase sibe khona.
Ziyini Izinkinga Zesimo Sokuqaphela Iziguli?
Ezimweni lapho lesi simo sokubheka singabaza iziguli, kunezizathu ezimbalwa ezingaba yingxaki.
- Izindleko ezingaphandle kwe-pocket ziphakeme. Lokhu kuyiqiniso ikakhulukazi ezigulini ze- Medicare - uma zingeniswe esibhedlela, ngisho noma zihlala lapho, isibhedlela singazikhokhela izinto eziningi iMedare ayikufihla uma kusetshenziswe iNgxenye B. Isibambiso esisha (2014) sithi iziguli zikaMedare kumele zivunyelwe ngokomthetho, futhi zihlale esibhedlela ubusuku obuphakathi kwamabili.
- Ukunakekelwa kwezokwelapha kungahle kukhishwe. Ukuhlala esibhedlela kufushane kakhulu kulezi zinsuku ngoba ukubuyiswa komshuwalense kuphansi kakhulu uma isiguli sidlula iphuzu elithile ekunakekeleni kwakhe. Lokhu kusho ukuthi kuneziguli ezithile ezithunyelwa ekhaya zakuqala kakhulu. Uma beqala ukugula futhi noma bathole ebuhlungu obungenakulibala, bazozama ukubuyela esibhedlela. Kodwa uma isibhedlela singenqikazi ukuzamukela, lezo ziguli ngeke zithole ukunakekelwa okudingayo. Isimo esithi "isimo sokubheka" singakwazi ukwehlisa ukunakekelwa abakuthola ngoba abazange bangeniswe ngokugcwele esibhedlela ngakho-ke akuyona ingxenye ephelele yenqubo yesibhedlela yokunakekela iziguli.
- Iziguli ze-Medicare okumelwe zivunyelwe ekhaya elihlengikazi zidingeka ukuba zifakwe esibhedlela ngokugcwele ngaphambi kokungena ekhaya lokuhlengika uma zilindele ukuthi uMedarele akhokhele ukuhlala ekhaya labo labahlengikazi. Uma isiguli sigqoke isimo sokubheka esikhundleni sokuvuma ngokugcwele, khona-ke ngeke kube khona ukukhokhelwa ekhaya okuhlengikazayo - okungenzeka kube ngamakhulu ezinkulungwane noma ngaphezulu. Uma i-Medicare kufanele ihlanganise izindleko zokuhlala ekhaya, isiguli kumele sivunyelwe esibhedlela okungenani emithathu (hhayi umgomo ofanayo nomthetho ophakathi kwamabili phakathi kwamabili okukhulunywe ngenhla.)
Lesi sihloko sibheka iziguli ze-Medicare kuphela, noma ngabe, uma ukunakekelwa kwezempilo kwakho kugcwele umkhokha wangasese, noma omunye umkhokhi kahulumeni (Tricare, Medicaid), uyobe uhlakaniphile ukuhlola nabo ukuthola ukuthi isimo sakho sokubuka sihlanganisiwe.
Kumele kuqashelwe ukuthi izibhedlela zinganquma futhi zishintshe isimo sesiguli ngaphandle kokuvumela noma ubani wazi ukuthi zenziwe. Bangase batjele isiguli ukuthi uyangena esibhedlela, kodwa esikhundleni salokho kuzobe kuboniswe isimo sokubuka. Ngisho noma isiguli singeniswe, isibhedlela singashintsha leso simo nganoma yisiphi isikhathi.
Yini Ongayenza Ukuzivimbela Wena Noma Othandekayo Ukuba Ubekwe Esigabeni Sokubheka Isibhedlela?
Lo mbuzo awunazo izimpendulo ezilula. Ngokufushane kokugwema igumbi lokuphuthumayo ngokuphelele, akuningi ongakwenza ukuze uzivikele wena noma othandekayo ukuba abekwe esimweni sokubuka.
Kodwa-ke, ungase ukwazi ukuthola wena noma othandekayo wakho wangena esibhedlela esikhundleni salokho.
- Qaphela ngokugcwele ukuthi awufuni ukugcinwa esibhedlela ngesimo sokubuka. Ngisho noma kungase kuzwakale ngisho nokukhangisa kancane ngoba kubonakala okwesikhashana (futhi ucabanga ukuthi ungase ubuyele ekhaya ngokushesha), wazi ukuthi azikho iziphakamiso ezingeni lesimo sokubuka.
- Xhumana nodokotela wakho wokunakekela oyinhloko ngaphambi kokuya ekamelweni eliphuthumayo. Uzokweluleka ukuthi unayo yini enye indlela eya ku- ER . Ngaphezu kwalokho, uma kufanele uhambe ku-ER futhi uhlale esibhedlela, kufanele ukwazi ukubhalisa udokotela wakho ukuze akusize uqiniseke ukuthi uyamukelwa ngokugcwele.
- Cela ukuthi ubone amaphepha abonisa ukuthi uyamukelwa. Uma ubona igama elithi "ukubuka" bese ucela ukukhuluma nomuntu ozokuvuma ngokugcwele - futhi uqiniseke uma udinga. Kungase kudingeke uthole umphathi wesibhedlela - futhi ungesabi ukuphikisana ngakho.
- Uma wesaba ukukhuluma, noma uma udinga ukwesekwa nganoma iyiphi indlela yokushintsha isimo, xhumana nommeli wesiguli ukukusiza .
Iphindaphinda - ngisho noma wena noma othandekayo wakho ungesiye isiguli seMedare, hlola kabili nomkhokhi wakho ukuqinisekisa ukuthi ukuhlala esibhedlela kuhlanganisiwe, isimo sokubuka noma cha.