Iziphi odokotela noma izikhungo zokunakekelwa kwempilo ezamukela i-Insurance Ishintsha

Izinketho Zakho Lapho Umhlinzeki Engeke Amukele Umshuwalense Wakho

Uma sekuyisikhathi sokuthola udokotela, kungakhathaliseki ukuthi udinga ukunakekelwa okuyinhloko noma ochwepheshe, izinqumo zakho zilinganiselwe odokotela abazimisele ukusebenza nomshuwalense wakho wezempilo. Omunye udokotela angase avume ukhokhe wakho ngenkathi omunye engeke. Funda kabanzi mayelana nokuthi lokhu kungathinta kanjani ukhetho lwakho lokunakekela impilo.

Umshwalense Usebenza kanjani

Ukuqonda ukuthi umshuwalense wezempilo usebenza kanjani kuzokwenza ukuthi kube lula ukuthi umshuwalense wakho awamukelwa yibo bonke abahlinzeki bezokwelapha.

Unyaka ngamunye, odokotela nezindawo zokunakekelwa kwezempilo ezifana nokuhlola ama-laboratory, izibhedlela, kanye nama-pharmacy baxoxisana ngemanani ngezinkampani zomshuwalense nezempilo. Ngendlela yayo elula, iyahamba kanje:

Udokotela: Uma isiguli esinesifo sikashukela sivakashela ihhovisi lami, ngikhokhisa u-$ 100 ukuhambela, futhi i-$ 75 yokusebenza kwegazi.

Umkhokheli: Lona imali eningi kakhulu. Sizokukhokhela u- $ 55 wokuvakasha kanye no-$ 35 wegazi.

Udokotela: Angikwazi ukukhokha abasebenzi bami noma ukugcina izibani zami zivuliwe ukuze kube nemali emine. Kuthiwani ngo-$ 65 ukuhambela kanye no-$ 45 wegazi?

Umkhokhi: Yenza.

Lokho kuxoxisana kwenzeke kuzo zonke izinsizakalo ezingase zenziwe udokotela wakho, nayo yonke inkampani yomshuwalense, unyaka ngamunye.

Ezinye izinkampani zomshuwalense zenqabe ukukhokhela odokotela inani lemali odokotela abakholelwa ukuthi banelungelo lokukhokhwa. Lapho lokho kwenzeka, udokotela uzoyeka ukwamukela leyo fomu yomshuwalense njengokubuyiselwa.

Ngemuva kwalokho, uma udokotela engasayamukeli isimiso sokubuyisela imali yenkampani yomshuwalense, ngakho-ke akasasamukeli iziguli ezisebenzisa umshuwalense wakho.

Isizathu Sokuba Umshwalense Uyamukelwa noma Cha

Awunayo izwi kungakhathaliseki ukuthi udokotela kufanele, noma akufanele, wamukele inani lemali okhokhayo ozimisele ukukhokha. Ngesinye sezizathu, i-US inesistimu yebhizinisi yamahhala yokukhokha kwezempilo. Umkhuba ngamunye wangasese, isibhedlela, ibhubhu, noma isikhungo sinelungelo lokukhokhisa lokho okufunayo ukukhokhisa, futhi yiziphi izinkokhelo ezifisa ukusebenzisana nazo.

Nakhu enye indlela yokucabanga ngayo. Ake sithi uye emsebenzini futhi wenza kahle umsebenzi wakho. Uma kufika isikhathi sokuthola ikhokhelo lakho, umqashi wakho utshele ukuthi uke wanquma ukuthi izinsizakalo zakho azifanele ngempela lokho okulindeleke ukuthi ukhokhwe, ngakho uzoqala ukukhokha kancane. Thatha noma ushiye. Yilokho odokotela abahlala khona abafakwa ngabakhokhi ngonyaka.

Uma umkhokhi ekhokhelwa imali ephakeme udokotela efuna ukukhokhwa, kuzodla iziguli eziningi emafomini, akhokhe imali, ama-deductibles aphezulu, futhi ngezinye izikhathi intela, futhi.

Ungaqiniseka kanjani ukuthi umshuwalense wakho uzokhokhela udokotela oyifunayo

Qaphela ukuthi odokotela bangashintsha izinhlelo. Noma, izinkampani zomshuwalense nabakhokhisi bangangezela noma badonsa odokotela unyaka nonyaka. Noma nini uma wenza i-aphoyintimenti noma ushintshe izinhlelo zomshuwalense, kuhle ngaso sonke isikhathi ukuhlola kabili ukuthi uzokwazi yini ukubona odokotela obabona njalo.

Lokho Ongakwenza Uma Ufuna Ukubona Udokotela Oqondile Afihliwe

Unezinketho uma udokotela wakho engayamukeli umshuwalense wakho.