Okungahlanganiswa nomshuwalense wezempilo kubaluleke kakhulu njengalokho okuhlanganisiwe.
Ungase ungaqapheli lezizinto ezivamile azihlanganiswa nomshuwalense wezempilo. Ukuthola ukuthi kufanele ukhokhe imali enkulu yezokwelapha owacabanga ukuthi umshuwalense wakho wezempilo uzokhokha kungaba yinto emangalisa kakhulu. Nansi okumele uyiqaphele.
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Ukwephula umthethoUmshuwalense wakho wezempilo angeke ukhokhe izindleko zezempilo oye wenza okuthile okungekho emthethweni. Eyaziwa njengesenzo esingekho emthethweni, uma inqubomgomo yomshuwalense wezempilo inomunye, kusho ukuthi ngeke uhlanganiswe nezindleko zokunakekelwa kwezempilo ezibangelwa ukuhlanganyela kwakho esenzweni esingekho emthethweni.
Gcwalisa imali yesiguli esiphuthumayo ye $ 2,000 uma ushisa ngokwakho ukukhanyisa i-grill epikinikini yomndeni? Cishe ihlanganiswe.
Ukukhokhela imali engu-$ 200,000 kusukela ku-unit yokushisa okubalulekile ngemuva kokubamba izinwele zakho ngomlilo nge-cocaine yamahhala? Uma inqubomgomo yakho yomshuwalense wezempilo inesenzo esingekho emthethweni, lowo mthethosivivinywa uzofika kuwe.
Ezinye zithi zivimbela ukungatholakali kwezenzo ezingekho emthethweni, futhi amazwe amaningi avimbela ababheki bomshuwalense ekusebenziseni okungaxhunyiwe kokubheka ngokusekelwe ku-insured ngaphansi kwethonya lezidakamizwa kanye / noma utshwala. Ungahlola nomnyango womshuwalense esifundazweni sakho ukuze uthole kabanzi mayelana nokuthi ngabe ama-insurers avunyelwe yini ukuphika ukusikwa kwezimo ezihilela izenzo ezingekho emthethweni.
> Imithombo:
> Reger, u-Alex. Ihhovisi lasePortown of Research Legislative. Umthetho ongekho emthethweni kanye nokungabikho kwezidakamizwa nezidakamizwa ezinkambisweni zomshuwalense wezempilo . Agasti 1, 2016.
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Izindleko zokuhambaUkuthola isibhamu ngaphambi kweholide lakho langaphandle lokungaphandle? Umshuwalense wakho wezempilo angeke akhokhe ukugoma kwakho. Nakuba zonke izinhlelo zomshuwalense wezempilo ezingakaze zizwele zimboze imishanguzo evame ukunconywa ekuvimbeleni ukuvimbela e-US, imishanguzo yezifo ezishisayo ezingenayo inkinga lapho uhlala khona kungenzeka ukuthi ayihlanganiswa uhlelo lwakho lomshuwalense wezempilo.
Udinga ukudubula i-tetanus ngoba usika isandla sakho engadini egcekeni lakho elingemuva? Umthethosivivinywa cishe uhlanganiswe umshwalense wakho wezempilo.
Udinga ukugoma komkhuhlane we-yellow fever ukuze uhambe uhlasele phansi eMfuleni i-Amazon? Yilungele ukuzikhokhela wena.
Indlela Yokuthola Imithi Ephansi Yezindleko Kubantu Abadala
> Imithombo:
> Amasevisi Okulawula Nokuvimbela Izifo. I-Vaccines Kunconywe Ngebudala.
> HealthCare.gov. Izinzuzo zezeMpilo nokuPhepha. Izinsizakalo zezempilo ezivimbelayo.
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Izimvume Zokuqala Aziqinisekisi Ukukhokhelwa Umshwalense WezempiloUcabanga ukuthi ukugunyazwa kwangaphambili kusuka kwenkampani yakho yomshuwalense wezempilo nge-MRI, CT scan, noma inqubo, kusho ukuthi inkampani yomshuwalense ivumelene ukunyathela umtsetfosivivinywa? Cabanga futhi.
Izinkampani eziningi zomshuwalense wezempilo zidinga ukugunyazwa ngaphambi kokuhlolwa okubizayo noma inqubo ejwayelekile. Kodwa, ngenxa nje yokuthi inkampani yakho yomshuwalense isigunyaze ukuhlolwa akusho ukuthi inkampani yakho yomshuwalense izoyikhokhela ngempela .
Ukugunyazwa kwangaphambili ngokuvamile kuhlanganisa isigatshana esenza into enjengale: "Lokhu kugunyazwa akuyona isiqinisekiso sokukhokha. Ukuzuzwa kokuhlomula kuncike ekudingeni kwezokwelapha kanye nokufaneleka kwamalungu. "Lokhu kusho ukuthi inkampani yomshuwalense inquma ukuthi emva kokuhlolwa ukuthi imali edingekayo noma inqubo ayidingekile, inganqaba ukukhokhisa isikweletu kodwa ngisho nangaphambi kokugunyaza ukuhlolwa noma inqubo.
Indlela Yokuthola Isicelo Sokugunyazwa Ngaphambi Kokuvunyelwa
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Isimo sokungenwa esibhedlela esingalungile: Isimo sokubheka ngokumelene nesimo sokugulaUmshuwalense wakho wezempilo angeke akhokhe ukuhlala esibhedlela uma ungeniswa esibhedlela kodwa inkampani yakho yomshuwalense ucabanga ukuthi kufanele ube nesimo sokubuka .
Uma ufakwa esibhedlela, ubelwe isimo. Izindlela ezimbili ezivame kakhulu yisimo sokugula nesimo sokubuka.
Iziguli eziqaphelisayo ziyizifo eziphuthumayo, nakuba zihlala ubusuku bonke noma zingaphezu kwesikhala esibhedlela njengeziguli. Ngokuvamile, uma udokotela wakho elindele ukuba ube esibhedlela cishe okungenani ezimbili, ukuhlala kwakho kuzobhekwa njengesiguli. Kodwa ngeke wazi ukuthi yisiphi isimo owabelwe ngaphandle uma ubuza.
Isimo sakho sokungenisa sibaluleke kakhulu esikhwameni sakho . Uma inkampani yakho yomshuwalense noma i-Medicare inquma ukuthi kufanele ube nesimo sokubuka lapho usuvele uvunyelwe isimo sesineke, inkampani yomshuwalense inganqaba ukukhokha imali yesibhedlela.
Uhlobo olubi lwezobuchwepheshe, ukubhekwa ngokubhekene neziphambeko zesifo sofuba kwenza izinkampani zomshuwalense wezeMpilo kanye neMedarele ukwenqaba ukukhokha imali. Bazobiza ukuthi ukuhlala esibhedlela akuhlanganiswa nomshuwalense wezempilo kusukela esibhedlela sephula imithetho ngokukuvuma isimo esingalungile.
Ehlangothini le-flip, uma ufakwa esimweni sokubheka, njengoba usuke uyisifo sangasese, ungase ube nesibopho sokubambisana okukhulu kulo mthethosivivinywa kunalokho obekuyobe usinjengalesi sifo. Izinsizakalo zokuphulukiswa kweziguli ngokuvamile zibandakanya ukuqinisekiswa kwezimali futhi ngeke zihlanganise izinsizakalo ndawonye. Ngakho-ke, ungathola ukuthi ukhokha imali engu-20% yokuqinisekiswa kokuhlolwa kwegazi, i-x-ray, umjovo, i-Band-Aid, kanye nokwelapha owutholile ngenkathi usesikhungweni njengesiguli sokubona.
Nakuba umthethosivivinywa wesabelo sakho sezindleko zezinsizakalo zokubeletha ungase ubonakale ukhululekile, cabanga kabili ngaphambi kokuphikisana nesimo sesineke. Umshuwalense wezempilo angaphika yonke ibhajethi yesibhedlela esingalapheki uma kunquma ukuthi ukunakekelwa kufanele kuhlinzekwe ngesimo sokubheka iziguli ngaphandle kwesiguli.
Ngakolunye uhlangothi, uma udinga ukuhlala esikhungweni sokunakekela abanekhono ngemuva kokushiya esibhedlela, i-Medicare iyokufihla kuphela uma uchithe okungenani izinsuku ezintathu esibhedlela njengesiguli ngaphambi kokudlulisela esikhungweni sokunakekela abanekhono . Isikhathi esichithwa esibhedlela njengoba ngaphansi kokubheka akubheki izinsuku zokubhedlela ezidingekayo ukuze kusebenze ukuhlinzekwa kwe-Medicare kwesikhungo sokunakekela abanekhono.
Funda kabanzi mayelana nesimo sokubuka, ukuthi iziqondiso zokuhlola zisebenza kanjani, futhi kungani kubiza okungaphezulu.
> Imithombo:
> Amasevisi e-Medicare naseMedicaid Services. I-Fact Sheet: Imithetho emibili-phakathi kwamabili. Julayi 2015.
> Medicare.gov. Ukunakekelwa Kokuhlengikaza Okunekhono.
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Ukunakekelwa Kwekhaya LokuhlengikaziCabanga umshuwalense wakho wezempilo noma i-Medicare izokhokhela ukunakekelwa kwezingane ekhaya lapho ungeke ukwazi ukuzikhathalela? Cabanga futhi.
Ayikho i-Medicare noma izinkampani zomshuwalense wangasese ezikhokhela ukunakekelwa kwesikhathi eside. Kuzodingeka ukhokhele ikhaya lakho labahlengikazi, indawo yokuhlala yokusizwa, noma ukunakekelwa kwezempilo ekhaya uma wena ungenawo umshuwalense wokunakekelwa isikhathi eside .
Lokhu akusho ukuthi i-Medicare nezinkampani zomshuwalense wezempilo ngeke zikhokhele ukuhlala ekhaya lokuhlengikaza. Empeleni, i-Medicare ingakhokhela izinsizakalo zesikhashana esifanele, zokuqeqeshelwa ikhono ekhaya lokuhlengikaza (ucabanga ukuthi uchithe okungenani izinsuku ezintathu esibhedlela njengesiguli ngaphambi kokuba udluliselwe esikhungweni sokunakekela abanekhono). Kodwa, ngeke ikhokhele izinsizakalo zokugcina isikhathi eside.
Isihluthulelo lapha yingakho udinga ikhaya labahlengikazi. Uma umgomo wokunakekelwa kwezingane ezihlengikazi ukuvuselelwa, ngamanye amazwi, uma uzama ukubuyisela amakhono unethuba elihle lokuthola kabusha, inkampani yakho yomshuwalense wezempilo ingase ikhokhele ikhaya labahlengikazi isikhathi esifushane. Isibonelo, ungavunyelwa ukuthi ikhaya elikhulisayo lihlale lilandela isifo esibucayi ngenkathi uthola usizo olunzulu lokusebenza ngokomzimba, lomsebenzi nokukhuluma ukuze ukwazi ukufunda ukuthi ungasuka kanjani endaweni ehlezi, uzondle futhi uphuze amazinyo akho.
Uma umgomo wekhaya labahlengikazi ukuhlala kungukunakekelwa kokugcinwa (okusho, ukusiza ngemisebenzi yokuphila kwansuku zonke, kunokuba umzamo wokubuyisela amakhono alahlekile futhi ubuyele ekhaya lakho), khona-ke ukuhlala kwakho ekhaya lokuhlengikaza akuhlanganiswa nomshuwalense wezempilo.
Kunezinto ezimbili ezivelele. I-Medicaid, uhlelo lomshuwalense ohulumeni wasekhaya olwenzela abantu abahola imali encane, lunikeza ukunakekelwa kwekhaya elihlala isikhathi eside kubantu abangenayo imali engenayo ngaphandle kwempahla yokukhokha. Futhi, izinhlelo eziningi zokwelapha zinikeza ithuba lokunakekelwa ekhaya lokunakekela izingane noma ukunakekelwa kwezikhungo zokugula esibhedlela. Kodwa, njengoba izinsizakalo zokubhedlela ziqondene nabantu abagulayo abanokuphila okungaphansi kwezinyanga eziyisithupha, cishe ngeke udinga le nzuzo isikhathi eside uma ufaneleka.
Umthetho Wokunakekelwa Okungenakusiza wawuhlanganisa nokuhlinzekwa okubizwa ngokuthi i-CLASS Act (Community Living Assistance Services kanye nohlelo Lokusekela), okwakungavumela abantu ukuba babhalise ohlelweni lomphakathi oluzohlinzeka ngezinzuzo zokumboza ezinye izindleko zokunakekelwa kwesikhathi eside. Kodwa-ke, ngokuwa kuka-2011, unyaka nengxenye ngemva kokuba i-ACA isunguliwe, uhulumeni wesifundazwe usususe uMthetho we-CLASS phakathi kokukhathazeka ukuthi ngeke kube nokusebenza kwezezimali isikhathi eside.
Ngesikhathi esifanele, abantu basebenzisa izinto ezintathu zokunakekela ukunakekelwa kwesikhathi eside: Bangasebenzisa zonke izimpahla zabo, lapho bezokwazi ukuthola ukuhlolwa kweMedicaid, noma bangathenga inqubomgomo yangasese yokunakekelwa yesikhathi eside, noma bangathembela emabhange abo ukuze bahlanganise izindleko zokunakekelwa zesikhathi eside. Ukuthembela emshuwalense wezempilo (ngaphandle kwe-Medicaid), noma kunjalo, ngeke kusebenze.
> Imithombo:
> Kaiser Family Foundation. Ukuguqulwa Kwezempilo kanye noMthetho we-CLASS . April 2010.
> Medicare.gov. Ukunakekelwa Kwemithi Yakho-Ukunakekelwa Kwesikhathi Eside.
> Medicare.gov. Isikhungo Sokuhlengikaza Esinekhono Lokuhlinzeka Ngezokwelapha.