Ngenkathi izazi ziphikisana ngokuthi izinyathelo zokuzivikela zinciphisa izindleko zezempilo ezingeni likazwelonke, kunobuningi bobufakazi bokuthi ukuvikela kunenzuzo uma kuziwa empilweni yakho ngabanye-kanye nekhredithi yakho.
Kulezi zimbangela eziyishumi ezivame kakhulu zokufa, kuhlanganise nesifo senhliziyo nomdlavuza , isigamu sihlobene nokukhetha kokuphila, ngokusho kwesikhungo se-Bioethics and Human Dignity.
Ukugcina isisindo sakho phansi, ukuyeka ukubhema, ukuhlala kufanelekile nokunciphisa ukucindezeleka yizona zindlela ezinhle kakhulu zokuvimbela ukugula nokukhulisa impilo, futhi zinganciphisa inani lemali okufanele uyichithe esibhedlela, izidakamizwa nezinye izifo.
Uma unomshuwalense wezempilo , cishe uyazi ukuthi ezimweni eziningi, ukuhlolwa kwezempilo okuvimbela-njengama-physicals ngonyaka kanye nokuvakashelwa kwe-OB / GYN-kuhlanganisiwe. Kodwa kungenzeka ukuthi awukwazi ukuthi amanye amapulani anikezela izinketho zokuhle ezingasiza ekukhokheni umsebenzi noma izinhlelo zokunciphisa umzimba.
Ama-insurers ashintshelwa ukuvimbela
Ama-gym memberships, imitholampilo yesisindo-ukulahlekelwa, ukuhlinzwa kwesisindo-ukulahlekelwa, ukukhipha imishanguzo kanye nezinhlelo zokuyeka ukubhema ziyizinto ezimbalwa ezifakwe kwezinye izinhlelo zomshuwalense. I-Blue Cross Blue Shield yaseMassachusetts inikeza ngisho isaphulelo kumabhulebhu wamazinyo kagesi ukusiza ukuvimbela izigxobo.
Izinkampani eziningi zomshuwalense seziqalile ukusebenzisana namaqembu ezempilo ukunikeza ubulungu obuncishisiwe noma amasevisi.
Izinzuzo zimboza wonke umuntu, kusukela ku-super-fit kulabo abanezimo ezingelapheki, ngokusho kukaJP Wieske, weMkhandlu we-Affordable Insurance.
"Akunandaba ukuthi unesifo sikashukela noma isifo somfutho wegazi ophezulu noma yini ongayenza ekuzivocavoca uhamba kancane," kusho uWieske. "Kungumhlomulo ofanayo kulowo muntu njengoba kuwu-rat wezemidlalo ohlala lapho njalo ngosuku olulodwa."
Ukugqugquzela Abantu Abanempilo Nezimali
Kukhokha ukusebenzisa inzuzo yanoma yiziphi izinzuzo zokuvikela eziza nenqubomgomo yomshwalense wakho. Ezinye izibonelo zokulondoloza okungenzeka zihlanganisa:
- Ukuhlinzekwa kwesisindo-Ukulahlekelwa kwesisindo: Nakuba kungenandaba nokukhathazeka kwabantu abaningi, kungaba yindleko enkulu yokuphefumula. Uma inkomba yakho yomzimba yakho ingama-40 noma ngaphezulu, noma unenkinga yokuphefumula, isifo sikashukela noma ukucindezelwa kwegazi okuphakeme okukhushulwa ukukhuluphala, ungase ufanelekele ukuhlinzekwa kokugaya kwesisu noma isisu sokubhoboza umzimba. Uma izinkokhelo zakho zibiza ama-$ 20,000, isilinganiso sakho se-$ 500 futhi ukhokhela u-30%, uzokhokha cishe ingxenye eyodwa kwezintathu zezindleko.
- Ubulungu be-Gym: Ezinye izinhlelo ze-United Health Care zifaka izaphulelo ezingu-10 kuya ku-50% kubulungu abathile beqembu lezempilo. Uma uhlelo lwakho lokuzivocavoca lithatha ama-dollar angu-30 ngenyanga ngaphandle kwe-akhawunti yakho yokuhlola, isaphulelo esinqunyiwe sonyaka sizokugcina i-$ 15 inyanga ngayinye.
- Uhlelo lwesisindo-ukulahlekelwa : Izinqubomgomo eziningi azikhombisi izinhlelo zokulinganiswa kwesisindo ezifana noJenny Craig noma Ababheki Bokulinganisela, kodwa bheka ukuthi lokho kuzoshintsha esikhathini esizayo, kusho uWieske. Inzuzo eyodwa manje etholakala nge-Aetna kuya ku-Kraft Foods Inc. abasebenzi banikeza isaphulelo esingu-30% kulezi zinhlelo, okuletha izindleko zeRwanda 199 ethandwa kakhulu ku-$ 139.
- I-massage yama-Orthopediki: Ihora elilodwa, ukusikhipha ukucindezeleka kokucindezeleka eMassachusetts Blue Cross Blue Shield inhlangano ebambe iqhaza iBoston Bodyworker ngokuvamile i-US $ 115, kodwa isaphulelo sama-25% somshuwalense yenza imali engu-86. Awekho imibhalo yanoma yisiphi isimo sezokwelapha esidingekile ukuze uthole ukuthunyelwa.
Abambiseneli abambalwa kuphela abahlanganisa izinhlelo zokuqeda ukubhema kanye nemithi, okuyi-over-the-counter. Kodwa uma ukhuluma nodokotela wakho mayelana nokuyeka ngesikhathi sokusebenza, lokho kuzovakashelwa. Lezo zinqubomgomo ezingavamile ezisiza ngezindleko zezinhlelo ezihleliwe ezifaka ukwelulekwa zingakusiza amakhulu amaRandi, ngaphezulu kwama-dollar ayi-650 noma ngakho-ke abashayeli bepakethe ngosuku abazokhipha lo mkhuba bazosindisa ngesikhathi sonyaka.
Ukuze uthole ukuthi yiziphi izinzuzo zempilo ongazithola, xhumana nenkampani yakho yomshuwalense noma umqashi wakho.
Imithombo:
Ukuhlinzeka nge-Bariatric for Ukukhuluphala Okukhulu. Mar. 2008. Izikhungo Zempilo Zesizwe.
Ezempilo nokuPhepha. 2008. Blue Cross Blue Shield yaseMassachusetts.
Izaphulelo zezeMpilo. 2008. Health Care United.
Izindleko ze-Lap-Band. 2008. Lap-Band lapband.us.
Ikhadi lokuvimbela. 2008. Izinzuzo ze-Kraft.
Amanani okuqeda ukubhema kabili nge-Intensive Counseling and Free Free Replacement Therapy, Izifundo zababonisi abangu-20,000 ababhemayo. 29 Nov. 2007. Kaiser Permanente.
Thatha Izinyathelo Zokuqala Zokuhlinza Ukushiswa Kwesisindo. 2008. University of Duke.
Ukulingana Nokunakekelwa Kwezempilo Okuvimbela: Ingabe Umhlinzeki WezeMpilo? 2004. Isikhungo Sokuhlonishwa Kwezidalwa Zabantu.
Yini i-Orthopedic Massage ?. 2007. Boston Bodyworker.