Ngezinye izikhathi Uthola, futhi Uhlelo Lwakho Lwezempilo Luzokhokha Konke noma Ingxenye Yesikhalazo Sakho
Ungase ugijime ngokumelene nesimangalo sempilo yomshuwalense wokuphika lapho usebenzisa isevisi yezokwelapha. Ngenhlanhla, imizila iyatholakala ekuphikiseni izimangalo zokumangalelwa, kufaka phakathi ukuthola usizo oluvela kuhulumeni emazweni amaningi.
Ngokuvamile kufanelekile ukulwa nokuphika kwakho. Ngezinye izikhathi umshwalense wakho uzozinikela futhi akhokhe isimangalo sakho ukuze agweme izindleko zokuphatha isikhalazo.
Ngezinye izikhathi imibhikisho yakho izovulela futhi iguqule iphutha lo mshuwalense owenzile. Futhi kaningi ukuhlanganiswa kwalaba ababili kuyoholela okungenani ukukhokha okuyingxenye.
Ukuvimbela
Indlela engcono yokuguqula inkinga yokumangalelwa ukugwema ingxabano kuqala.
Lokhu kuzothatha umsebenzi omncane engxenyeni yakho: Kumele ufunde inqubomgomo yakho futhi uqonde ukuthi ikuphi - futhi awufihli - ngaphambi kokuthola ukwelashwa. Khokha ngokukhethekile izinqubo kanye nokwelashwa okudinga imvume yangaphambili kusuka kumshwalense wakho. Uma uhluleka ukuthola imvume yangaphambili, ukunakekelwa kwakho akumele kuhlanganiswe.
Memezela udokotela wakho mayelana nokuthi yini ehlanganiswe ngaphansi kwenqubomgomo yakho bese uzama ukuqinisekisa ukuthi uyazi uma kudingeka imvume yangaphambili. Udokotela wakho usebenzelana neziguli eziningi nezinkampani zomshuwalense wezempilo, ngakho awukwazi ukulindela ukuthi uzokwazi uhlelo lwakho lwezempilo njengoba enomlando wakho wezokwelapha.
Uma ubhaliswe ku- PPO noma i-HMO qinisekisa ukuthi uyaqonda inqubomgomo yakho yokuhlela impilo mayelana nokusebenzisa abahlinzeki benethiwekhi.
Uma use-HMO ngeke uhlanganiswe nganoma yimaphi amasevisi ahlobene nempilo ngaphandle kwenethiwekhi ye-HMO ngaphandle uma udinga uhlobo oluthile lwenqubo engatholakali kwinethiwekhi. Uzodinga ukuthola imvume yangaphambilini evela ku -HMO kulawo masevisi. Okufanayo kusebenza nge-PPO yakho, kungenzeka ukuthi ungahamba ngaphandle kwenethiwekhi, kodwa uzoba nezindleko ezinkulu eziphuma ngaphandle .
Uma kukhona kunqubomgomo yakho ongayiqondi, shayela umugqa wakho wesevisi yamakhasimende wepulani yakho bese ucela incazelo.
Uma usufake isimangalo noma ucele ukugunyazwa kwangaphambi kokwelashwa, gcina wonke amarekhodi - izikhwama zomhlinzeki, izincazelo zezaziso zenzuzo evela kumshwalense wakho nazo zonke ezinye izincwadi - kwifolda noma ephepheni elihlanganisiwe ndawonye, ngakho ungawabuyekeza shazi uma kunesidingo.
Uma isicelo sakho sishiywa
Qala ngokubuyekeza ifayela lakho lezincwadi. Bese ushayele umugqa wakho wezinsizakalo zamakhasimende wepulani yakho. Ngokuvamile, ukuphika okungalungile kungasuswa kule nqanaba. Qinisekisa ukuthi uthatha amanothi kuzo zonke izingxoxo zocingo, kufaka phakathi usuku nesikhathi socingo, amagama abantu owakhuluma nabo nokuxoxwa ngakho.
Ukudluliswa Okuhlelekile
Uma ukhuluma nommeleli wenkonzo yamakhasimende akusebenzi, kungase kudingeke uqhubekele kwisikhalazo esibhaliwe esibhaliwe.
Inqubomgomo yakho yomshuwalense izobe ichaze amaphepha wakho uhlelo lwezempilo oludinga ukuthi ulufake. Ungalindela ukuhlinzeka ngolwazi oluningi ngokubhala, kufaka phakathi amakhophi ezinkambiso, igama lomhlinzeki wezempilo, ikheli kanye nenombolo yocingo, nesitatimende sakho sodokotela mayelana nokuthi kungani ukwelashwa kwakho bekukhona noma kuzodingeka.
Izinhlelo eziningi zezempilo zinezinyathelo eziningana kwinqubo yokudlulisa isikhalazo. Uma isikhalazo sakho sokuqala senqatshelwe, cishe uzoba nezikhalo ezengeziwe ezitholakalayo. Yonke inqubo yesikhalazo kufanele ichazwe encwadini yezinzuzo ozitholile kusuka ohlelweni lwakho lwezempilo.
Ukubuyekeza okuzimele
Ezimweni eziningi, ungacela ihhovisi lakho lomshuwalense wombuso ukuba uhlole ngokuzimela kokuphikisana kwakho. Lesi sinyathelo sivame ukuthathwa ngemuva kokuhamba ngenqubo yezokhalazo zangaphakathi zohlelo lwakho lwezempilo kuqala.
Ukuthola ukubuyekezwa okuzimele, hlola ibhukwana lakho lezinzuzo zezempilo (ngezinye izikhathi libizwa ngokuthi "Ubufakazi Bokuphepha"), okuyinto kwezinye izifunda ezidingekayo ukwazisa amalungu ezempilo mayelana nezinketho zokudlulisela ngaphandle kwepulani lezempilo.
Esinye isisetshenziswa esibalulekile umnyango womshuwalense wombuso wakho noma i-agency.
Ukubambisana
Ezinye izinhlelo zezempilo zinikeza ukuxazululwa, lapho umuntu wesithathu ozimele ebuyekeza impikiswano futhi uncoma umphumela. Kungakhathaliseki ukuthi isinqumo sika-arbitrator sibophezela sincike esimweni sezwe kanye nehlelo lempilo.
Uma ukuphikisana kuhlinzekwa ngaphansi kohlelo lwezempilo oluhlinzekwa ngumqashi, umthetho we-federal uthi awukwazi ukukhokhiswa ngokuwusebenzisa.
Hlela Ukuhlelwa Nokuphikelela
Ulwazi oluthe xaxa onalo, cishe uzothola isikhalazo sakho sokuphika izicelo. Yakha umzila wephepha ngokugcina okulandelayo:
- inqubomgomo yomshwalense wakho wezempilo
- amakhophi ezincwadi zokuphika ezivela ohlelweni lwakho lwezempilo
- amakhophi kwanoma yikuphi ukuxhumana phakathi kwakho nesuhlelo lwakho lwezempilo, noma phakathi komhlinzeki wakho wokunakekelwa kwempilo (njengodokotela wakho, isibhedlela, noma ibhu) kanye nehlelo lakho lempilo
- amanothi eningiliziwe okuxoxa ngecebo lakho lempilo
- amakhophi okuxhumana nomnyango wakho womshuwalense wombuso
Uma uthola umshuwalense wakho wezempilo ngomqashi wakho, kufanele uxoxe ngesimo sakho sezimangalo ngumphathi wezinzuzo zenkampani yakho, okungenzeka abe nesinye isilinganiso ngecebo lakho lempilo.
Ulwazi olungaphezulu
I-Kaiser Family Foundation inikeza inkomba yenqubo yokubukeza yangaphandle yezwe ngalinye.
Ungathola futhi ulwazi oluthe xaxa emnyangweni wakho womshuwalense wezempilo.
Lesi sihloko sabhaliswa nguDavid Fisher, umlobi ozimele ohlala eBend, Ore. Ngaphandle kokubhala nokuhlela, usebenze njengomeluleki wezezimali futhi wabamba amalayisense omshwalense emazweni amaningana.