Ukuhlinzwa okuningi kuhlelwe kusengaphambili, isikhathi esiningi sokukwazisa inkampani yakho yomshuwalense, ukhethe udokotela ohlinzayo, uhlele isikhathi esivela emsebenzini futhi ulungiselele inqubo nokuthola okulandelayo. Uma uhamba futhi udinga ukuhlinzwa, amathuba okuba inqubo yakho ayilungiselelwe kusengaphambili, futhi empeleni kungaba yinto ephuthumayo .
Uma ubhekene nokuhlinzekwa okungalindelekile ngenkathi uhamba ezweni lakini noma phesheya, kunezinto eziningi ozodinga ukuzenza ukuze ube nesipiliyoni esingcono kakhulu, kokubili empilweni yakho nasesikhwameni sakho.
Kungaba yinto esabekayo ukuba nezinkinga zezokwelapha uma uphume endaweni yakho yokududuza, kodwa ukuhlinzwa kwakho kusengaba yimpumelelo kude nekhaya.
Ukukhetha indawo
Ngempilweni yakho, ukukhetha isikhungo kungenzeka kungeke kube yinketho. Ungathathwa esikhungweni esiseduzane esingakwazi ukwelapha ukugula kwakho. Uma isimo sakho singephuthumayo, unganikwa ithuba lokukhetha indawo. Kungaba isinqumo esihlakaniphile sokuphishekela ukunakekelwa esikhungweni esinesidumo esinamandla kulohlobo lokunakekelwa okudingayo, kanye nokufuna isikhungo esenza ngcono umshuwalense wakho. Kungenzeka ukuthi akunakwenzeka ukuthola isibhedlela esenziwe ngokuqhuba inqubo oyidingayo leyo futhi "enenethiwekhi" yomshwalense wakho. Kulezi zimo, impilo yakho kufanele ibe yinto ebaluleke kakhulu, ikakhulukazi ezimweni lapho isikhathi esifushane khona, hhayi esiphezulu sezindleko zakho.
Umshuwalense Ukukhathazeka
Ukufakwa komshuwalense kungahlukahluka kakhulu inkampani kuya enkampanini ngisho naphakathi kwezinqubomgomo. Ukubheka kwakho ngabanye kuzonquma ukuthi yiluhlobo luni lenkxaso yezezimali ongayilindela kumshuwalense wakho wezempilo, nokuthi ngabe inqubo yakho izobe ihlanganiswe ngokugcwele kwenqubomgomo yakho.
Isibonelo, ukuhlinzeka okwenzeka komunye umbuso kungawela ngaphansi kokungena kwenethiwekhi "ngaphandle kwenethiwekhi", ehlanganiswa ngesilinganiso esingaphansi kune "inethiwekhi."
Umshwalense wezeMpilo ngenkathi ungaphandle kwezwe
Enye umshuwalense wezempilo ngeke akhokhe noma yiziphi izindleko zezempilo ezenziwa ngaphandle kwezwe. Ezinye izinkampani zingakhokha ezinye amaphesenti ezindleko. Isibonelo, i-Medicare izokhokha i-dialysis ephuthumayo ngenkathi iphuma ezweni, kodwa ezinye izindleko eziningi azihlanganisiwe.
Iningi lezinkampani zomshuwalense ngeke zikhokhele ukubuyela ekhaya, okuyigama lokubuyiselwa ezweni lakini ukuze uthole usizo lwezempilo. Ukuphindwa kabusha kuyenziwa nge-jet yangasese esetshenziswa njenge-ambulensi yezokwelapha ehlinzekelwe ukunakekelwa kwezokwelapha futhi iyabiza kakhulu, ibiza amashumi ezinkulungwane zamaRandi ngosuku.
Abantu abahamba ngaphandle kwezwe labo basekhaya bavame ukukhuthazwa ukuthenga umshuwalense wokuhamba, okuhlukile ekuhlosweni okusekelwe kwinqubomgomo ethengwe. Ezinye zimboza kakhulu ukwelashwa okuphuthumayo nokubuyela ekhaya, kanti ezinye zihlanganisa ingxenye yokwelashwa. Lezi zinqubomgomo ngokuvamile zibiza ngokulingana nezindleko eziphelele zohambo ngaphandle kwezwe futhi zingaba ngumsindisi uma impilo edingekayo kodwa ehluleka ukutholakala endaweni yamanje yesiguli.
Nasi uhlu lwezinto wena, noma umndeni wakho, okufanele ugcine engqondweni uma ukuhlinzeka okungalindelekile nokungahleliwe kuba ngokoqobo ngenkathi uhamba:
- Thintana ne-Embassy yasekhaya yase-US (noma i-embassy yakho uma ungewona ovela e-United States) bese ucela usizo lwabo ekukhetheni indawo yendawo uma unenkinga yokuthola isibhedlela esifanele.
- Shayela inkampani yakho yomshuwalense wezempilo bese ubazisa ngalokho okwenzekayo. Ezinye izinkampani zikhawulela ukukhawulwa uma zingakaziswa ngokushesha.
- Shayela indawo yakho yomsebenzi futhi ubazise ngoshintsho ezinhlelweni zakho kanye noshintsho olwenzekayo ekubuyiseni kwakho ngosuku lomsebenzi.
- Thola amarekhodi wezokwelapha ekhaya ngokushesha ngangokunokwenzeka uma aqukethe ulwazi oluzosiza ukwelashwa kokugula kwakho kwamanje.
- Uma unomshwalense wokuhamba, yenza inkampani yomshuwalense ikwazi isidingo sakho sokusebenzisa ukufakwa kwakho.
- Isikhungo osisebenzisayo singanikeza abahumushi ukuba basize ekunakekeleni kwakho. Uma isibhedlela sihlinzeka ngokucophelela ngolimi ongaluqondi kahle, qiniseka ukuthi ubuza mayelana nezinsiza zokuhumusha.
> Umthombo:
> I-Medicare Coverage yakho-Ukuhamba. http://www.medicare.gov/coverage/travel-need-health-care-outside-us.html