Yiziphi izindleko zokwelapha ezikhokhwa intela?
I-Cancer yisifo esibizayo. Ngesikhathi esifanayo lapho ubhekene nama-copays, ama-deductibles, kanye nezindleko zokuhamba zokwelapha (okuqala), abantu abaningi abakwazi ukuqhubeka besebenza, okungenani basebenza isikhathi esigcwele. Ngaphezu kwalokho, ozakwethu nabashadile bavame ukuba ngumnakekeli womndeni, ukunciphisa imali engenayo kusuka kulowo mzila. Ukulingana kokusebenzisa okuningi nokwenza okungaphansi kungabangela ukucindezeleka okulinganayo ngisho nokwesaba, ngesikhathi lapho kunokwanele ukukhathazeka mayelana kakade.
Kunezinto ezimbalwa ongayenza, noma kunjalo, ukunciphisa ukucindezeleka kwezezimali. Isisebenzi sezenhlalakahle sakho singathola iziphakamiso zokusekela ngezimali noma ukunciphisa izindleko, kodwa kukhona ongakwenza ngokushesha lapho kungenza umehluko. Uma uqala ukugcina amarekhodi aqaphele wezindleko zezokwelapha ezingaphandle kwezepolitiki namuhla, ungathola ukuthi usindise imali eningi efika isikhathi sokukhokha.
Ukukhishwa kweCanscer and Tax Tax for Medical Expenses
Into eyinkimbinkimbi kakhulu emhlabeni ukuyiqonda intela engenayo. " - u-Albert Einstein
Ngomhla ka-12/31/166, ukukhishwa kwezokwelapha kumele kudlule ngaphezulu kwamaphesenti angu-10 (amaphesenti angu-7.5 ngaphambi kwaleso sikhathi) yemali engenayo yakho ehlelekile. Abantu abaningi badangala ukubuka lokhu, futhi bakholelwa ukuthi kungenzeka ukuthi izindleko zibe phezulu. Kodwa abaningi bayamangala lapho bengeza ndawonye zonke izindleko (bheka isibonelo ngezansi) bese uthola ukuthi bafanelekile ukuphumula intela enkulu.
Ngaphambi kokuqeda ukwehliswa kwezokwelapha njengoba kungasizi isimo sakho, thatha isikhathi sokufunda ngezinhlobo zezindleko ezikhishwe. Uhlobo luni lwamarekhodi okufanele uwagcine? Ingabe yisikhathi sokuqasha i-akhawuntiant? Kuthiwani ngamaphrimiyamu omshwalense?
Incazelo yenkokhelo yokwelashwa eDeductible
Izindleko zezokwelapha ezingase zithathwe zihlanganisa izinkokhelo "zokuxilongwa, ukwelashwa, ukunciphisa, ukwelashwa, noma ukuvimbela izifo, noma ukukhokhelwa kwezokwelapha ezithinta noma yisiphi isakhiwo noma umsebenzi womzimba."
Izindleko Zezokwelapha Eziphikisiwe
Izindleko zezokwelapha ezingakhokhiwe yomshuwalense wakho wezokwelapha noma uhlelo lokulondoloza impilo lungadalulwa. Khumbula ukuthi lezi izindleko zidinga ukukhokhelwa ngekheshi, ikhadi lesikweletu, noma isheke, phakathi nonyaka owakhokhisa intela. Izindleko ezingadalulwa zihlanganisa:
AmaPhoyisa Omshuwalense
- Izinkokhelo ezikhokhelwa izinhlelo zomshuwalense wezempilo yangasese.
- Ngeke ususe ama-premium akhokhelwayo noma ama-premium akhokhelwa amaqashi. Futhi, ngeke ukwazi ukukhipha amaphrimiyamu omshwalense ehlanganisa ukulahlekelwa kwezitho noma ukulahlekelwa isinxephezelo.
- I-Medicare Part B (umshuwalense wezempilo obongezelayo) kanye ne- Medicare Part D (umshwalense wokuzivocavoca wemithi ngokuzithandela) ichithwa, kodwa hhayi i- Medicare Part A (umshuwalense wesikhashana.)
- Ezinye izinkokhelo zomshuwalense wezempilo zesikhathi eside zidonswa.
- Uma usebenza ngokweqile ungase uvumeleke ukukhishwa komshuwalense wezempilo oziqashile njengezindleko zebhizinisi. Esikhundleni sokudonswa kwe-premium eyakhokhwa ngamakhokhyamu akhokhelwayo, lokhu kunalokho kube ukulungiswa kwemali engenayo. Bheka Ukushicilelwa 535. Uma ungasho yonke inzuzo yebhizinisi lakho lomshuwalense wezempilo oziqashile, ungafaka izindleko ezisele njengezindleko zezokwelapha emithini yakho eyinqunyiwe.
Izinkokhelo kwabahlinzeki bokunakekelwa kwezempilo, kubandakanya abachwepheshe
Izinkokhelo kudokotela kanye nabanye abasebenzi bezokwelapha abangahlanganiswa noma ababuyiselwa ngumshuwalense banqunywa. Co-akhokhe ukuthi ukhokhe ngaphandle kwe-pocket nazo zithathwe.
Ukunakekelwa Kwezokwelapha Abagulayo
Ukunakekelwa kwezokwelapha ezingelapheki esibhedlela, isikhungo sokuvuselela, noma ikhaya lokuhlengikaza lidonswa uma nje lingakhokhiwe yomshuwalense wakho, noma i- akhawunti yokulondoloza impilo (HSA) noma i-akhawunti yokugcina imali (FSA) . Ukudla nokunakekelwa kokunakekelwa kweziguli (kodwa hhayi kokuphulukiswa kweziguli) kuyadalulwa.
Ukwelapha I-Cancer
Ingxenye yemithi yomdlavuza (njengokuhlinzwa, imithi yokwelashwa kwemithi, i-chemotherapy, imithi ehlosiwe, kanye ne- immunotherapy ) engahlanganiswa yomshuwalense, ingathiwa njengokuncishiswa kwezokwelapha.
Imithi yokwelashwa
Ingxenye yemithi kadokotela engavunyelwe umshuwalense. futhi ukukhokhela imali emithini ehlanganisiwe kukhishwa.
Ama-Wigs
Ama-wigs aductible uma athengwa ukulahlekelwa izinwele ezikhishwa ngamakhemikhali .
Ukuhlinzwa Ukwakhiwa kabusha
Izindleko zeDeductible zihlanganisa ukuhlinzekwa kabusha ngokuphathelene nezimo ezihlobene nesifo, ingozi, noma ukuguqula izifo, isibonelo, ukuvuselelwa kwebele ngokulandela i-mastectomy. Ukuhlinzwa okuhlobene nokungajwayelekile kokuzalwa nakho kukhishwa. Izizathu zezizathu zokuziqhenya, njenge-liposuction, azidonswa.
Ukwelashwa Kwempilo Yengqondo
Ukuvakashelwa kwezisebenzi zempilo yengqondo njengabadokotela bezengqondo kanye nezingqondo zengqondo kukhona izindleko ezidonswayo.
Izokwelapha
Imithi efana nokwelashwa ngokomzimba noma ukwelashwa komsebenzi, uma ingahlanganiswa yomshuwalense, idonswa
Umbono nokuzwa
Ngaphezu kokuqokwa komuntu ophthalmologist noma i-optometrist (isabelo esingasetshenziselwa umshwalense), izindleko ezidonswayo zifaka izibuko, ama-lens, kanye nesisombululo sokuhlanza amalensi oxhumana nabo. Ukuhlinzwa kweso lokulungisa (LASIK) yizindleko ezidonswayo, njengalabo abazwayo usizo.
Amazinyo
Ukunakekelwa kwamazinyo okuvimbela amantombazane njengokuhlanza kwamazinyo, ukusetshenziswa kwama-sealants yamazinyo, kanye nokwelashwa kwe-fluoride. Ukwelashwa kwezifo zamazinyo okufana nokugcwaliswa kwamazinyo kuhlanganiswa, njengezinqubo ezinjengokuqothulwa, ama-x-rays, kanye nokwelashwa kwe-orthodontic njengama-braces, amazinyo amanga ( amazinyo ) ahlukaniswa, kodwa izinsizakalo zokungcola ezinjengamazinyo ukugcoba azikwenziwe.
Alternative Therapies
Izinkokhelo kwezinye izidokotela zezokwelapha, uma zisetshenziselwa ukunakekelwa kwemithi yesifo somdlavuza wendabuko, zihlanganiswa. Izibonelo zifaka:
- Ukunakekelwa kwe-Chiropractic
- Izisebenzi zesayensi yobuKristu
- Imithi yokwelapha ehlanganisayo ( ukwelapha okunye okuhambisana nokunakekelwa kwendabuko) kubandakanya ukukhwabanisa , kanye nokwelapha ukusikhipha .
- Okunye abahlanganisayo (abahlinzeki bendabuko abangewona bendabuko) abanjengama-massage therapists, ama-naturopaths, kanye nabahlengikazi.
Ezinye Izondlo Zokudla
Ngokuvamile, izithako zokudla okunomsoco azikho intela ekhishwayo, ngisho noma kunconywa umhlinzeki wakho wezokwelapha. I-supplement ingahle idonswe uma kunconywa udokotela othile ngesimo esithile sezokwelapha. Isibonelo, isithako sevithamini D esinconywa udokotela ngenxa yokuntuleka kwe-vitamin D esifundeni sesifo somdlavuza singadalulwa. Esinye isibonelo singabe sisetshenziswa isithasiselo sokugqugquzela isisindo eklanyelwe ukwelapha umdlavuza womdlavuza (isimo esibucayi esizizwa sibhekene namaphesenti angu-20 omdlavuza womdlavuza e-United States).
Ukuhambela Izizathu Zezokwelapha
Uma nje isizathu esiyinhloko sokuhamba ukunakekelwa kwezokwelapha - hhayi injabulo, hhayi ukuphumula noma impilo ejwayelekile, ngisho noma kunconywe udokotela - ukuhamba kungadalulwa. Izindleko ezingase zithathwe zihlanganisa:
- Ukuthutha nokuya ekunakekelweni kwezokwelapha, kufaka phakathi ukuhamba ukuya ezibhedlela nasemitholampilo, ama-pharmacy, kanye nokuqokwa kwezokwelapha. Izinga elijwayelekile le-mileage lokusebenzisa imoto ngenkokhelo ka-2014 yentela yi-24.5 amasentimitha ngehora. Kanti futhi ukukhishwa kwemali yokupaka izimoto, kanye nama-tolls (kodwa hhayi ukugcinwa, ukulungiswa kwemoto, umshuwalense wemoto, noma ukwehla kwamanani.) Izimoto zamatekisi, ukuhamba ngebhasi, isitimela, ukuhamba ngezinyawo, kanye nemikhumbi yezindiza yizindleko ezithintekayo.
- Imishini ekhethekile efakwe emotweni ngokuklama okukhethekile ukuhlala nomuntu onesifo sokukhubazeka, njengokulawulwa kwesandla. Ungafaka futhi izindleko zokuba nemoto eyenzelwe ngokukhethekile ukuqhuba isihlalo sabakhubazekile.
- Ukuzihlalela wena nomnakekeli. Isikhulu esingahlwithwa ngosuku singu-$ 50 ngomuntu ngamunye.
- Ukudla akumele kunqunywe ngaphandle kwalabo abasesikhathini sokuhlala esibhedlela.
Ukuya ezinkomfa ezihlobene nemithi
Izimali zokuhambela kanye nokuya emininingeni nezinkomfa ezihlobene nezimo zakho ezingapheli noma lezo oshade naye noma abazondayo yizindleko ezidonswayo uma izindleko "ziyinhloko futhi zibalulekile ukuze kudingeke ukunakekelwa kwezokwelapha." Awunakudla ukudla noma indawo yokulala. Isibonelo sizoba khona enkomfeni yokuphila nsuku zonke nemiphumela emibi yokwelashwa komdlavuza.
Ukwelashwa Okungeziwe / Izinhlelo / Ukululekwa
- Izinhlelo zokuqeda ukubhema zimbozwa (kodwa hhayi ukushintshwa kwe-nicotine njengama-nicotine noma ama-nicotine gum). Izidakamizwa zemithi ehlose ukuhlosiswa kwezimpawu zokuqeda i-nicotine (njenge-Chantix) zihlanganisiwe.
- Izinhlelo zokulahlekelwa isisindo uma kunqunyelwe isimo esithile, njengokukhuluphala. Ukudla okuphakanyiswe yizinhlelo akudonswa.
- Imithi yokwelapha yokwephuza utshwala nezidakamizwa.
Izindleko ezihlobene Nezilwane Zesevisi
Ngokuvamile, izindleko zezilwane azitholakali. Okuhlukile kungenxa yezindleko eziqhubekayo zezilwane zesevisi, njengezinja zokubona-izinja (izinja eziqondisa izimpumputhe) kanye nezinja zokuphuza. Muva nje, izindleko zezilwane "zempilo yengqondo" nazo zifinyelelwe. Njengoba ukucindezeleka, ukukhathazeka, ngisho nokucindezeleka okulandela ukuthukuthela kuvamile kubantu abanomdlavuza, futhi njengoba ukwelashwa kwezilwane kubonakala kuwusizo kubantu abanomdlavuza, lokhu kungase kube into yokuxoxa nge-oncologist yakho.
Amadivayisi Wokusiza Ngamuntu
Imishini yezokwelapha ehlala njalo njengabahambahambayo, izihlalo ezinomsebenzi wokuphakamisa osizayo, ukuthatha imishayo, imishini ye-oksijini kanye ne-oksijeni, i-CPAP, izihlalo zabakhubazekile, izintambo kanye nemilenze yokufakelwa iyadalulwa.
Ukulungiswa Ukufunda Ngezingane Ezikhubazekile
Isibonelo, ukulungisa ukulungisa ingane encane.
Ukunakekelwa kwezingane zasendlini
Ukunakekelwa kwezingane zasendlini kuyindleko ekhishwayo, kodwa kuphela leyo ngxenye ehlobene nokunakekelwa kwezokwelapha kuphela (isibonelo, isikhathi esichithelwe indlu-ukuhlanzwa ngesevisi yezempilo yasemakhaya akukona ukuchithwa.)
Ukuthuthukiswa Kwamakhaya Okubhekene Nempilo Yakho (Izindleko Zentengo)
Ukuthuthukiswa kwekhaya kanye nemishini ekhethekile ingancishiswa njengezindleko zezokwelapha uma inhloso yezizathu zokwelapha wena, oshade naye, noma oxhomeke kulo. Lokhu kuncishiswa kuncishiswe yinoma yikuphi ukukhuphuka kwexabiso ukuthi ukuthuthukiswa kunomthelela empilweni yakho. Izibonelo zifaka:
- Ukwakhiwa kwemigwaqo yokungena ekhaya lakho.
- Ukwandisa imigwaqo yangaphakathi nangaphakathi nemigwaqo.
- Ukufaka izikhonkwane kanye nokusekela / ukubamba imigoqo, nokuguqula i-hardware eminyango.
- Ukukhulisa noma ukunciphisa amakhabhinethi noma izibalo zokufinyelela.
- Ukuphakamisa okunjengezo zokuhamba izitebhisi.
- Ukufaka umhlabathi wangaphandle wendawo yokufinyelela.
- Ukuguqula izinhlelo zokuxwayisa ezifana nama-alamu omlilo kanye nama-alamu womusi.
- Ukuguqula izakhiwo zikagesi nezitolo.
- Ukususwa kwepeyinti elisekelwe ekuholeni elisezingeni eliphezulu lokulungisa noma ekufinyeleleni kwengane.
- Idamu noma i-spa uma yakhelwe ukuhlinzeka ngezokwelashwa (kunciphisa noma yiliphi inani elinezelayo ekhaya lakho).
Yini engeke ideductible?
- Umshuwalense okhokhelwa ngumqashi wakho. Ngeke ususe iminikelo yakho kumshwalense wakho wezempilo oxhaswe ngumqashi ngaphandle uma lezi zimali ezikhokhelwayo zifakwe ebhokisini 1 ngefomu lakho le-W2.
- Ngeke ukwazi ukukhipha izindleko ezihlanganiswe ne-akhawunti yakho yokulondoloza impilo noma i-akhawunti yokusebenzisa imali eguquguqukayo (njengoba lezi zihoxiswa ngesisekelo se-pretax.)
- Imithi yokwelapha ngaphezulu (imithi ongayithenga ngaphandle kwemithi) ngisho noma kunconywa umhlinzeki wezokwelapha (isibonelo, i-aspirin kubantu abanesifo senhliziyo.)
- Ukuhamba okungokwenziwe ngcono kwezempilo, ngisho noma kunconywe udokotela.
- Izindleko zokungcwaba noma zokungcwaba.
- Ama-toiletries afana ne-toothpaste noma izimonyo.
- Izinhlelo zokuthuthukisa impilo yakho yonke.
- Ukuhlinzekwa okuningi kwezimonyo, lapho injongo yenqubo ukuthuthukisa ukubukeka futhi "akukhuthazi ngokufanele ukusebenza komzimba noma ukuvimbela noma ukwelapha ukugula." Isibonelo, i-liposuction, ukuphakama kombuso, ukugcoba kwamazinyo, ukuguquka kwezinwele, nokukhishwa kwezinwele (electrolysis) ngeke kukhishwe. Uma ukuhlinzeka kudingekile ngenxa yengozi noma isifo (isibonelo, ukuvuselelwa kwebele) noma ngenxa yokukhubazeka kokuzalwa, izindleko zizobe zithathwa intela.
- Ukwelapha ukushintsha esikhundleni se-Nicotine, njengama-nicotine kanye ne-nicotine gom.
- Izithako zokudla okunomsoco ngaphandle uma uqondiswe ngqo udokotela wakho ngesimo esithile sezokwelapha.
- Ukudla kokudla.
- Ubulungu bezempilo.
Amafomu Okudingeka Uwafake / Usizo
Ukuze uthole izicelo zokudonsa kwezokwelapha, kuzodingeka ufake iHlelo A (ifomu 1040), hhayi 1040 EZ noma 1040 yodwa.
Ungalanda amafomu nezincwadi noma uhlele amafomu wamanje noma angaphambi konyaka nemilayezo ngokubiza u-1-800-TAX-FORM (1-800-829-3676). Ukuze uthole imibuzo, hlola ulwazi olutholakala ku-IRS.gov noma shayela ku-1-800-829-1040.
Ingabe Udinga i-Accountant?
Akuwona wonke umuntu oyodinga izinsizakalo zomuntu we-akhawunti ukuthi athole imali yokudonswa kwezokwelapha, kodwa gcina lokhu engqondweni: kungase kube ukuhlakanipha kwenkokhelo ne-dollar-ubuwula ukungenzi kanjalo.
Izeluleko Ezijwayelekile Zokuphatha Ukukhishwa Kwentela Yakho Yempilo
- Qala ukugcina ifolda kanye ne-notebook ngosuku otholakala ngayo, noma ngokushesha ngangokunokwenzeka.
- Londoloza wonke amarisidi.
- Okuhle, bhala konke ukuthenga kanye nezikweletu ezikhokhwayo ngesikhathi wenza inkokhelo.
Okokugcina, hlola isibonelo sokuthi indlela ejwayelekile (nakuba umndeni wokucabanga) ikwazi ukunciphisa intela yayo ngokukhipha imali yokwelashwa. Khumbula ukuthi kungukuhlanganiswa kwezinkokhelo zakho zokwelashwa kuphela ngomdlavuza, kodwa izindleko zezokwelapha ezenziwa ngumlingani wakho kanye nabantwana abancike.
Isibonelo sokuthi Ukunciphisa Kanjani Kungasiza Umndeni Onomdlavuza
Ukunqunywa kwamaphesenti angu-10 kungase kubonakale kuphakeme, kodwa isibonelo esisheshayo (nakuba siqine kakhulu) singasiza ukucacisa lokhu. Cabanga ngomndeni oneminyaka engu-5 nomzali oyedwa onomdlavuza wamaphaphu, izingane ezintathu ezithembekile, imali ehlanganisiwe ehlanganisiwe engu-$ 55,000 ngonyaka, kanye nenqubomgomo yomshuwalense wempilo yangasese (ubaba uyisidelancer futhi awunayo umshuwalense wezempilo oxhaswe ngumqashi) nge $ 5,000 ukukhishwa.
- Ama-premium yomshuwalense wezempilo ongewona okhokhelwa u-$ 761.00 njalo ngenyanga ngenani lika-9132.00.
- Izindleko ezingaphandle kwezimoto zomama we-cancer yomaphaphu zibandakanya u-$ 3500.00 wezivakashi ezingekho, ezikhokhelwa esibhedlela, kanye nokuhlinzeka nge-oxygen. Ukuhambela kwamakhasimende wezokwelapha amakhilomitha angu-90 ukusuka ekhaya ukuthola imithi ye-chemotherapy, ukwelapha imishanguzo, ukuhlinzwa, kanye nokuvakashelwa kwemitholampilo kuya emakhilomitha angu-2750 (kubuyiselwa ngamasenti angu-24.5 ngehora ngenani elingama $ 673.75.) Umama waya ohlelweni lokuqeda ukubhema (okungabuyiselwa imali of $ 200.)
- Ubaba unesifo sikashukela. Izindleko ezingaphandle kwezindleko zazibandakanya ukuhamba (hhayi okungeziwe lapha) kanye nezindleko zokungeniswa kwenkomfa eyanconywa udokotela wakhe ukusiza ukuphatha isifo sikashukela. Izindleko zenkomfa zaziyizigidi ezingu-550 zamabhangqwana, ngezindleko zokuhamba zamaRandi angu-220 ngokusekelwe ekuqothulweni kwemoto. Ubaba wayenomsebenzi wokulungisa amehlo owafika ku-$ 3500.
- Ingane eyodwa ibhekene nesifo sokufunda (i-dyslexia) sidinga ukufunda okulungisa izindleko ze-$ 1200.
- Amantombazane amabili okwamanje ase-braces. Ngemuva kwengane eyi-$ 1,000 yengubo yomshwalense wamazinyo, bakhokhela isheke phakathi nonyaka inani eliyizigidi ezingu-7000 zama-braces.
- Ukuhlanzwa kwamazinyo okungahlanganiswa nezinqubo zamazinyo kwafika ku-$ 1030 ukuze kube ngu-5.
- Ingane eyodwa inezilingo zokuxhumana ezafika ku-$ 360 ngonyaka. Isixazululo sokuthintana sasiyi-$ 60 eyengeziwe.
Kulesi simo, izindleko zokwelapha zomndeni ezingaphandle komshwalense noma uhlelo lokulondolozwa kwempilo lwafika ku-$ 27,425.75. Ngokususelwa kumholo waminyaka yonke wemiholo ka-$ 55,000 futhi usebenzise ama-10% we-off-off, izindleko ngaphezulu nangaphezulu ezingaphezu kwezingu-5 500 zamaRandi zingadalulwa. Ukususa ama-10% we-off-off, i-$ 21,925.75 esele ifaneleka njengokwehliswa kwezokwelapha. Uma umhlinzeki wakho wesifo somdlavuza ekubhalela umyalelo wenja yenkonzo yokucindezeleka ehlobene nomdlavuza (ukucindezeleka okuqhubekayo kuvamile kubantu abanomdlavuza) unganezela ngisho nokudla kwezinja kanye ne-vet izindleko kule nombolo.
Nakuba lesi sibonelo singase sibonakale sibi kakhulu, khumbula ukuthi iziguli ezingu-1 kwabangu-10 zomdlavuza zichitha ngaphezulu kwezingu-18,000 zama-dollar ngonyaka wezindleko zezokwelapha ezingaphandle kwezezimali futhi kulinganiselwa ukuthi izindleko zezokwelapha ziyingxenye ezingamaphesenti angu-60 zokungabikho komuntu e-United States.
Ngaphansi
Iphuzu elihle okumele likhunjulwe ukuthi ukubiza izindleko zezokwelapha akuyona indlela yokuthola "intela" yokukhokha intela, kodwa kunokuba ube nethuba lokugwema ukukhokha intela ezindleko ezihlobene nemithi okungenzeka ungenakuthola uma uneminyaka engu-100 amaphesenti anempilo. Ngemuva kwalokho, kufanele uhlupheke ngokomzimba nangokomzwelo we-roller-coaster yesifo esibulalayo somdlavuza. Futhi ngisho nangokwenqunywa, ukuhlanganiswa kwezindleko nokwanda kwekhono lokusebenza nomdlavuza kungaba yingozi emalini.
Izinyathelo Ezilandelayo
Ngemva kokucabangela imingcele yokudonswa kwezokwelapha, ungase uzibuze ukuthi unganciphisa kanjani izindleko zakho esikhathini esizayo. Cabanga ngemibono elandelayo:
- Ukuqhubekela phambili, cabangela izinqubo zokwelashwa ngaphakathi kwonyaka wekhalenda (ngaphakathi kwesizathu.) Isibonelo, uma une-hospitalization yomdlavuza, ungase ucabange ukuhlela lokho okufakelwa khona kwe-hip oyilindele, kanye ne-colonoscopy yakho engafanele ngesikhathi esifanayo ngonyaka ukuze kufinyelelwe ukukhishwa kwamaphesenti angu-10.
- Bheka ezinye izinketho zokuhlela intela, ezifana nama-akhawunti wokusebenzisa ama-flexible (FSA's).
Kuyasiza kakhulu futhi ufune usizo uma unzima. Isisebenzi sakho senhlalakahle yomtholampilo somdlavuza singase sibe neziphakamiso, kufaka phakathi ulwazi ngezinhlelo zosizo lwezeguli zemithi. Izinkampani eziningana zezidakamizwa zinezinhlelo zokusiza izidakamizwa ezitholakalayo. Izinhlangano zezinhlobo zakho zomdlavuza zingase zibe nezinsiza, nabantu ongakhuluma ngakho mayelana nezinketho. Uma unenkinga ngomsebenzi, inhlangano engenzi inzuzo I-Cancer ne-Careers inolwazi olubanzi ngamalungelo akho emsebenzini naseminye. Okokugcina, ukuzibandakanya emphakathini womdlavuza we-intanethi kungaba yigugu, ngoba kungakunika ithuba lokukhuluma nabanye ababhekana nezinselele ezifanayo phakathi nohambo lwabo.
> Imithombo:
> I-American Cancer Society. Ukuqonda Umshwalense Wezempilo. http://www.cancer.org/treatment/findingandpayingfortreatment/understandinghealthinsurance/index
> UMnyango Wezezimali Zangaphakathi Imali Yenzuzo. Izindleko zokusakaza 502 zezokwelapha nezamazinyo zokusetshenziswa ekulungiseleleni ukubuyisa 2017. https://www.irs.gov/pub/irs-pdf/p502.pdf
> Isevisi yangaphakathi yeNgeniso. Isihloko 502 - Izindleko zezokwelapha nezamazinyo. Kubuyekezwe 01/31/18. https://www.irs.gov/taxtopics/tc502.html