Ukubuyisela ngokuvamile kusho ukuthola imali ekubuyisweni kwemali oyisebenzisile kakade noma izindleko ozitholile kakade. Leli gama elisetshenziswe ngezindlela ezihlukahlukene ebhizinisini nasekuphileni komuntu siqu, kodwa linencazelo ehlukile ekunakekelweni kwezempilo.
Ivela kuLatini. uphinde uphinde u- bursa (isikhwama) -kufaka imali emuva esikhwameni sakho.
Abaningi bethu bajwayele ukukhokhelwa izindleko.
Senza uhambo lwebhizinisi futhi sikhokhela ihhotela lethu kanye nokudla ngezimali zethu, bese sithumela ama-receipt ku-accounting uma sibuyela ukuze bakwazi ukusibuyisela.
Ukunakekelwa Kwezempilo Ukubuyisela Odokotela Nezibhedlela
Abahlinzeki bempilo bakhokhelwa ngumshuwalense noma abakhokhi bakahulumeni ngokusebenzisa uhlelo lokubuyiselwa imali. Banikeza usizo lwezokwelapha isiguli bese befaka i-reimbursement kulawo masevisi ngenkampani yomshuwalense noma ejensi likahulumeni. Akusilo isiguli esikhipha esikhwameni futhi sibuyiswa, ngudokotela ohlinzeka ngenkonzo bese elindele ukubuyiselwa.
Uma ngabe ubuza udokotela wakho isimiso semali yakhe, uzobona lokho okujwayele ukukhokhela izinsizakalo zakhe. Kodwa lelo nani liphakeme kakhulu kunalokho okubuyiselwa yinkokhelo noma i- Medicare . Uma udokotela wakho ethola umshuwalense wakho ngezinsizakalo, lokho kusho ukuthi uyamukela isimiso sokukhokha sakho somkhokheli.
Akalindeli ukuthi ukhokhele ngaphezulu izinsizakalo ngaphandle kokuthi akutshele ngalelo qiniso ngaphambi kwesikhathi. Ukukhokha imali eyengeziwe, ngaphandle kokuthi waziwa kusengaphambili, kubizwa ngokuthi " ukukhokhisa ibhalansi " futhi akuvumelekile.
Lo umehluko phakathi kwezinga elichazwe ngezinsizakalo zezokwelapha nokuthi yini ebuyiswa yi-insurer noma i-Medicare ikunika indawo yokuxoxisana uma ungaqinisekisiwe ngenqubo yezokwelapha oyifunayo.
Ungabheka inqubo ngekhodi ye-CPT ukuze ubone ukuthi uMedare uphindisela kangakanani udokotela noma isibhedlela sakho ukwenza. Ikhamphani yomshuwalense wangasese ikhuluma ngamahlelo abo okubuyiselwa imali kanye nabahlinzeki nezibhedlela.
Ngisho nomshuwalense wezempilo, kungase kudingeke ukhokhele ikhodi yokukhokhela ngenqubo yezokwelapha, noma kungenzeka ukuthi ukhokhe ephaketheni ngezinqubo ezingahlanganiswa nomshuwalense wakho.
Abanye odokotela ngeke bathathe iziguli ezingumshwalense wabo noma uMedarele ongazibuyiseli kahle. Lokhu kungabangela ukusweleka kwabahlinzeki kwezinye izindawo futhi kwenze kube nzima ukuthola udokotela ozokwamukela ukufakwa kwakho.
Ukuhlelwa Kwezokubuyiswa Kwezempilo (HRA)
Amalungiselelo okubuyiselwa kwezempilo (i-HRA) yinzuzo yezempilo yomsebenzi enikezwa abanye abaqashi e-United States. Babuyisela abasebenzi ngenxa yezindleko zabo zezokwelapha ezingaphandle kwezezimali. Azihlinzekiwe njengenzuzo kuphela kodwa kumele zibe yingxenye yepulani lempilo yomshuwalense wezempilo. I-HRA ixhaswa ngemali ngumqashi futhi umqashi uthola inzuzo yentela, kuyilapho umsebenzi engakhokhi intela ngemali engenayo. I-HRA ingaba inzuzo uma uhlelo lwezempilo ludedelwa kakhulu , okuvumela abasebenzi ukuba babuyiselwe izindleko abazenza ngaphambi kokuba bafinyelele imali esetshenzisiwe.