Izinyathelo Zokugwema Umshwalense Wezempilo Umshwalense Nokukhwabanisa

Zivikele Ekukhethweni Okubi

Ubugebengu bomshuwalense wezempilo nemikhonyovu kukhula ngenombolo. Uma sithenga umshuwalense wezempilo , sibheka amadili amahle njengabathengi abahlakaniphile , kodwa singabuye sibe nezinto ezikholwayo ezingenakwenzeka zibe yiqiniso. Ngaphezu kwalokho, ngokufika kwe- Care Affordable Act kanye nengcindezi yokufeza igunya lomuntu ngamunye, singase sibe nomuzwa wokuthi kudingeka senze izinqumo esingakulungele ukuzenza ukuze siqiniseke ukuthi asikhokhiswa imali yokungalaleli.

Ngenxa yalokho, kungase kube lula ukuwela ngezinhlelo zomshuwalense wezempilo ezikhohlisayo, lapho sicabanga ukuthi sithenga into ethile ewusizo, kuphela ukufunda kamuva ukuthi sibhekene nomuntu ongakaze asihlose ukusisiza ukuba akhokhele ukunakekelwa kwezempilo, futhi kuphela okuhlosiwe ukweba imali esiyitholile kanzima.

Ngaphezu kwalokho, uma siwela ngenxa yalezi zikhwama, asigcini nje ngokulahlekelwa yimali, kodwa kungaba nomthelela omubi uma ngabe singayithola yini ukunakekelwa esikudingayo uma sidinga, nokuthi ngabe siyafaneleka yini ikusasa ukuthola umshuwalense wezempilo wangempela.

Ukukhwabanisa Impilo Yomshwalense Nokukhwabanisa Kukhula

Ukukhwabanisa ekunakekelweni kwezempilo kungatholakala cishe kuzo zonke izici zokunakekelwa kwempilo, kusukela ekugodleni kuya ekuhlaleni . Ngokuyinhloko, kusukela ekungeneni kwe-Care Affordable Act ngo-2010, izikhwama zempilo yomshuwalense wezempilo ziye zavela ngezimvamisa eziningi. Ukucindezela okujwayelekile kubikezele ngenani labantu abakhokhelwayo ababonakalayo abaye baqoqa imali yabantu, futhi abazange bahlanganise ukuthi labo bantu balindeleke.

Kulindeleke ukuthi phakathi neminyaka eminingana elandelayo ukuthi ngaphezulu kuzovela, bezibiza ngokuthi izinto ezifana nomshuwalense wezinzuzo zezempilo, izinhlelo zokukhokha kwezokwelapha, amakhadi esaphulelo kwezokwelapha, izinhlelo zokwazisa zezokwelapha kanye nabanye. Kudingeka sizivikele thina nemindeni yethu ngokuqiniseka ukuthi noma yimuphi inkampani yomshuwalense wezempilo esiyibandakanya nayo iyinhlangano ehambelanayo, exhaswe ngemali, nenkampani ekwazi ukukwazi ukugcwalisa izithembiso zayo, futhi isinikeze zonke izinzuzo abathi zizokwenza ukuhlinzeka.

Izimpawu ze-Assurance Insurance Fakes, Ukuhlambalaza Nokukhwabanisa

Njengoba ucwaninga izinketho zakho zokuthenga umshuwalense wezempilo, khumbula lezi zimpawu okufanele uhambe ngazo:

1. Gwema noma yimuphi inkampani enabathengisi abanolaka . Ungathengi umshuwalense kunoma iyiphi inkampani ukuthi amafoni, amafeksi, noma ama-imeyili "amadili amahle."
2. Gwema noma yiziphi izithembiso zamanani angcono uma ubhalisa ngokushesha . Abanomshwalense bangeqiniso abafaki ukuphoqelela ngokusebenzisa izinqumo zakho (Nakuba kungase kube nezinsuku zokubhalisa ngezinsuku ezithile, njengokuphela konyaka.)
3. Uma umthengisi ekutshela ukuthi ukuthenga umshuwalense " kuyadingeka ngomthetho ," bese uphakamisa noma ususe i-imeyili.
4. Uma umthengisi ekutshela ukuthi anikezwe ilayisensi yi-ERISA , lokho kuyisibonakaliso esiqinisekisayo sokuthi bayamanga. Zonke izinkampani zomshuwalense zinelayisensi emazweni abo ezomabhizinisi, kodwa i-ERISA iyinhlangano yenhlangano.
5. Uma lokho inkampani ikunika yona kubizwa ngokuthi "i- discount discount card " khona-ke kukhona ithuba elihle lokuthi ngeke limboze lokho okudingayo. Qinisekisa ukuthi uhlole odokotela bakho, ama-pharmacy kanye nezikhungo zokuhlola ukubona ukuthi bayayamukela yini lelo khadi, futhi uma benza, ngabe isaphulelo singakanani ngempela. (Okufanayo nakwamakhadi esaphulelo ekhemisi .)
6. Uma izindleko zingaphansi kakhulu kunanoma yiziphi ezinye izindleko ozitholile, khona-ke hambani. Uma kuzwakala kuhle kakhulu ukuba yiqiniso, khona-ke.

1. Gwema noma yimuphi inkampani enenqubo yokwamukelwa ebonakala ibaluleke ngaphezu kwesinye. Abantu baziwa ukuthi bahlaselwa ngenxa yokwehliswa ngoba nje babetshelwe ukuthi akudingeki ukuba bahlolwe ngokomzimba, noma ngoba bekungadingeki ukuba banikeze uhlu lwemithi yabo yamanje.
2. Lalela intuition yakho . Uma unomsola wokuthi othile noma into akusho lokho akushoyo, hambani.

4 Izinyathelo Zokugcina Ezihlakaniphile Ngaphambi Kokuthenga Umshwalense Wezempilo

Uma usuthole inkampani ocabanga ukuthi ungathanda ukuthenga umshuwalense wezempilo kusuka, thatha izinyathelo ezilandelayo ukuze uqiniseke ukuthi i-bona fide:

1. Izinkampani zomshuwalense wokucwaninga 404 ukuqinisekisa ukuthi inkampani ayikho ohlwini.

1. Cela ikhophi yenqubomgomo ozoyithenga, bese uyifunda ukuze uqiniseke ukuthi ihlanganisa lokho okukuthi kufanele ukumboze.
2. Qiniseka ukuthi inkampani ilayisensi kuhulumeni wakho. Ungathola uhlu lwe-state-by-state lwamakhomishinari yomshuwalense lapha.
3. Uma inkampani okhulumelayo ithi ihlinzeka umshuwalense ngenye inkampani enegama oliqaphelayo, hlola leyo nkampani ukuqinisekisa ukuthi isimangalo siyiqiniso. (isib. Umshuwalense wezempilo we-XYZ uthi ungumthengisi we-Aetna - qiniseka ukuthi uxhumane no-Aetna ukuqinisekisa.)

Bika ama-Fakes ne-Frauds

Uma ugijima enkampanini yomshuwalense onamahloni ezama ukuklolodela, c usebenzise yonke imininingwane ongayithola kuyo mayelana nomshuwalense wabo, ibhizinisi, nokuthi basebenza kanjani nawe. Bese ubika umbiko kumshwalense womshwalense wakho wombuso. Nikeza wonke amadokhumenti owaqoqile.

Bese uqhubekela phambili ukwenza ukhetho lomshwalense wezempilo olungcono wena nomndeni wakho.