Izinto Abantu Abanomdlavuza Kufanele Bakwazi Ngomshwalense Wezempilo

Kumuntu ongeyena imboni yomshuwalense ngaphakathi, ukungena kanye nokuphuma komshuwalense wezempilo kungadideka. Phonsa ukuxilongwa kwesimo esingapheli njengomdlavuza ekuxubeni kanye nokudideka kalula kungaba ukukhungatheka. Izindaba ezinhle ukuthi ngezinsiza ezifanele nolwazi, akudingeki ukuba.

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Uhlobo Luni Lokuthola Unayo Futhi Lukufihla?

Uyazi ukuthi uluphi uhlobo lwe-plan yomshuwalense ohlanganiswe ngaphansi? Ingabe i-HMO, i-PPO, noma i-POS? Ukwazi ukuthi uluhlobo luni lwesiphakamiso ongaphansi kwakho nokuthi lokho kuhilela yini enye yezinto ezibaluleke kakhulu ukuthi wazi ukuthi unesifo esingelapheki, njengomdlavuza. Ukwazi ngomgomo wakho womshuwalense wezempilo yisinyathelo sokuqala sokuba nesiguli esiphethe, esinamandla . Izinhlelo zokunakekelwa eziphathekayo eziqondakalayo ezifana nama-HMO kanye nama-PPO, okuyiwona wonke amaMelika, isinyathelo sokuqala sokwazi imininingwane yecebo lakho. Uyini umehluko phakathi kwe-HMO ne-PPO?

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Kukhona Usizo Ongaqinisekisiwe

I-Cancer ayikubandlululi - iyathinta uninsured njengoba nje njalo njengoba inshuwalense. Ngeshwa, isimo sethu somshuwalense sikhombisa ukuthi yiziphi izinhlobo zokwelapha esizithola. Ngaphandle komshuwalense, lokhu kungasho ukuthi akukho ukwelashwa. Uma unomdlavuza futhi ungenayo umshuwalense wezempilo, kunethemba.

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Okufanele Ukwenze Uma Umshwalense Wakho Ungafihli Uvivinyo Noma Inqubo

Uma utshelwe ukuthi umshuwalense wakho ngeke uhlanganise ukuhlolwa noma inqubo ethile, linda ngaphambi kokuba ufinyelele isandla sakho ephaketheni lakho. Izindleko zezindleko zokuhlolwa kanye nezinqubo zingabiza. Abantu abaningi abaqapheli ukuthi kunezinto eziningi ongayenza njengenye indlela yokukhokha ephaketheni. Nakhu okumele ukwenze uma umshuwalense wakho ungafihli ukuhlolwa noma inqubo edingekayo.

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Kuthiwani Uma Isimangalo Sakho Sishiywa?

Ukuthola ukuthi isimangalo sakho somshuwalense sinqatshelwe kungaba yingozi ngokomzwelo nangokwezimali. Sitshala ithemba elikhulu nokuzethemba kulabo abahlinzeka ngemshuwalense wezempilo, futhi uma izimangalo zethu zingenqatshelwe, ukushaywa ngokuqinisekile kungalimaza ubuhlobo bomguli-izindaba.Izindaba ezinhle ukuthi ukuphika akuyona indaba "yokuphela-konke, -all "- ungakwazi ukulwa nesinqumo. Ungamangala ukuthi kuningi kangakanani ukuphika. Funda ukuthi wenzeni uma isicelo sakho somshuwalense wezempilo senqatshelwe.

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Umthetho Wokunakekelwa Okunganakusiza Uqede 'Isimo Sokuqala Esikhona'

Ngisho noma uphikisana ne "Obamacare," ungajabula ukuthi uqede ukucwaswa komshuwalense kubantu abanezimo ezikhona ngaphambili ezifana nomdlavuza. Izinkampani zomshuwalense e-United States azikwazanga ukwenqaba ukuhlinzekwa noma ukuphoqa amaphrimiyamu engeziwe kubantu abanemibandela ekhona ngaphambi kuka-2014.

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Ingabe Umshuwalense WezeMpilo WezeMpilo Ulungele Wena?

Izikhangisi zomshuwalense wezezimali zisenza sicabange ukuthi kungumqondo omuhle. Uhlelo oluzokhokhela izinsizakalo kanye nokwelapha ukuthi uhlelo lwami oluyinhloko ngeke lumboze? Kuzwakala kuhle kakhulu ukuba kube yiqiniso futhi kwabanye abantu. Ingabe umshuwalense wezempilo wengezela wena?

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Yazi Ngomshwalense Womshuwalense Wezempilo Wesizwe

Amachibi aphezulu kakhulu ayengamaqembu abantu abangakwazi ukuthola umshuwalense owanele, ongabizi ngenxa yezimo ezandulele. Ngokusebenza ngokugcwele kwe-Care Affordable Act ngo-2014, lezi zimbiwa zazivame ukushintshwa ngemishwalense yomshuwalense wezempilo njengoba ukubandlululwa akuvumelekile emibhalweni ekhona ngaphambili.

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Indlela Yokugwema Iziphambeko Ngokuchaza Kwezinzuzo Zakho

Kuhlala njalo kunciphisa ukwazi ukuthi inkampani yakho yomshuwalense ikhokhwe isimangalo. Ngezinye izikhathi siyajabula kakhulu kangangokuthi siphonsa isitatimende seZitatimende Zenzuzo kudoti. Cabanga konke okudingayo ukwazi ukuthi isimangalo sikhokhelwa? Cabanga futhi. Ungaphangwa izinzuzo zakho ngenxa yamaphutha ekukhokhweni okukhokhwe.

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Izinhlelo ZikaHulumeni Zingakusiza Ukulondoloza Imali Ngezidakamizwa Zokubhalisa

Uyazi ukuthi kunezinhlelo zikahulumeni ezingakusiza ukukhokha izidakamizwa zakho zemithi, ngisho noma unayo uhlelo lwekhemisi? Uma izidakamizwa zakho zingekho kwifomula yomhlinzeki wakho noma usufinyelele i-cap yakho yonyaka, ungaphelelwa ithemba. Kunezinhlelo ezingakusiza.

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Ukushintsha Kanjani Emthwalweni Wokunakekelwa Okungathintekayo Kuzokuthinta Kanjani?

Uma unomdlavuza noma usinda, uyazi ukuthi kubaluleke kangakanani ukuthi ube nokunakekelwa kwezokwelapha okungabizi kahle. Esinye sezizathu ezenza izinguquko zokunakekelwa kwezempilo kudingekile ukuthi abantu abaningi babenqatshelwa ukubanjelwa ngenxa yesimo esandulele noma izindleko zokuthi ziqinisekiswe ngezinkanyezi. Ukuguqulwa kokunakekelwa kwezempilo kusithinta sonke futhi uma unomdlavuza, kukuthinta kakhulu. Kuzodingeka uhlale unolwazi njengoba osombusazwe bahlose ukuguqula noma ngisho nokuphinda izingxenye zoMthetho Wokunakekelwa Onganakekelwayo.

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