Uma unomshuwalense wezempilo, akungabazeki ukuthi uhlangabezane nesimo lapho inkampani ingeke ikhokhe khona . Bangaphika inani eligcwele lesimangalo, eziningi zazo . Ingabe kufanele nje wamukele ukwenqaba kwabo ukumboza isimangalo sakho sezokwelapha? Cha. Empeleni kukhona izinto ongayenza. Nazi amathiphu ayishumi nambili ongasiza.
1. Ungacabangi ukuthi u "cha" owokuqala owamukelayo uyokugcina.
Amaphesenti angaba ngu-10 azo zonke izimangalo zomshuwalense aziphiwe ngokungafanele.
Ngesikhathi esifanayo, ngaphansi kwamaphesenti angu-1 abantu abenza izimangalo zomshuwalense ngisho nokubuza umshwalense wabo uma isimangalo sabo senqatshelwa. Iningi labaphathi bezinqubomgomo abaphikisana namacala abo banqoba amacala abo noma bathuthukise izindawo zabo zokuhlala. Ngakho-ke, umlayezo ucacile: uma isimangalo sakho senqatshiwe, kufanele unxuse isinqumo.
2. Gcizelela incazelo elotshiwe.
Imithetho eminingi yombuso idinga izinkampani zomshuwalense ukunikeza izincazelo ezibhaliwe zokuphika izicelo. Ukwehluleka ukuhambisana nakho kungenza umkhuba ongekho emthethweni ngumshuwalense. Njalo ucele incazelo ebhaliwe uma isimangalo sakho senqatshelwe.
3. Funda inqubomgomo yakho ngokucophelela ukuthola ukuthi isimangalo siphiwe ngokusemthethweni.
Inkampani yakho yomshuwalense kungenzeka ukuthi ihumushe isigatshana enqubomgomo yakho ngokuhlukile endleleni oyiqonda ngayo. Hlonipha umqondo wakho wokungabi nabulungisa nokuthi yini okulindele ukuthi inqubomgomo ihlanganise. Uma isinqumo singacabangi kahle, kunethuba elihle lokuthi akunjalo.
Ngaphansi, uma isimangalo senqatshelwa, kufanele uxhumane nenkampani yomshuwalense ukucela incazelo ecacile yokuphika.
4. Ungamukeli amaphutha okufakela njengesizathu sokwenqaba.
Njalo ulandele imilayezo yakho yomshuwalense wokufaka isimangalo. Kodwa uma uhluleka ukugcwalisa ifomu ngendlela efanele, noma uma ulahlekelwa yisikhathi sokugcina isicelo, ngisho noma izinyanga ziphelile, inkampani yakho yomshuwalense ayikwazi ukwenqaba ukukhokha.
Uma wenze isimangalo esivumelekile, inkampani kumele ibonise ukuthi ilimele ngephutha lakho noma ivinjelwe ukwenza uphenyo olwanele ngenxa yokulibala kwakho. Lesi simo esingavamile, futhi ezimweni eziningi, ukuphika noma ukwenqaba akuvumelekile.
5. Yenza uphenyo lwakho ukusekela isimangalo sakho.
Uma inkampani yakho yomshuwalense ikhokhela ngaphasi kokulingana kwakho okulindelekile ukunakekelwa okuhlinzekwe, hlola ukuthi yini abanye odokotela abahlala kuyo endaweni yakho ukukhokhela ukunakekelwa okufanayo. Uma abanye odokotela bakhokha okungaphezu kokutholile, inselele ukukhokha.
6. Cela ummeli wakho womshuwalense noma umqondisi wenqubomgomo yeqembu emsebenzini ukuze uthole usizo.
I-ejenti othenge kuyo umshuwalense wakho, noma umphathi wakho wezinzuzo emsebenzini wakho, unesibopho sokuqinisekisa ukuthi ukuvikela kuvikela izithakazelo zakho. Xhumana nabo ukuze uthole ukusekela ekuphikeleni noma yiziphi izimangalo zokumangalelwa.
7. Xhumana ngqo nenkampani yomshuwalense.
Uma ummeli wakho womshuwalense noma umqondisi wesimangalo engasiza ekuxazululeni inkinga yakho zingakapheli izinsuku ezingu-30, shayela ucingo yenkampani yomshuwalense ngokwakho. Yiba nenhlonipho kepha uphikelele, futhi uqhubeke uphakamise isiteleka senkampani. Qiniseka ukwenza irekhodi eningiliziwe yazo zonke izingcingo, kufaka phakathi amagama nezikhundla zawo wonke umuntu okhuluma naye. Londoloza izikweletu zakho zefoni ezihlela amakholi. Landela ikholi ngayinye ngencwadi emfushane echaza ukuqonda kwakho izingxoxo, futhi ucele impendulo ebhaliwe zingakapheli izinsuku ezingu-30.
8. Cindezela ngokubhala uma izingcingo zakho zingasebenzi.
Qala nomuntu ophikile isimangalo sakho, bese ubhalela umphathi womuntu. Faka inombolo yakho yenqubomgomo, amakhophi azo zonke amafomu afanele, izikweletu, namadokhumenti asekelayo kanye nencazelo ecacile, ecacile yenkinga. Kufanele ucele ukuthi umshuwalense uphendule ngokubhala ngaphakathi kwamasonto amathathu. Gcina amakhophi azo zonke izincwadi. Qinisekisa ukuthumela izincwadi ngeposi ebhalisiwe, futhi ugcine amakhophi amarisidi. Chaza ukuthi yimiphi imiphumela emibi yokwenqaba isimangalo sakho. Sebenzisa ithoni ehloniphekile, engaqondakali futhi ugweme izitatimende ezingenangqondo noma ezisola.
9. Bhala incwadi yokulandelela.
Uma ungayitholi impendulo, thumela izincwadi zokulandela, ngencwadi yakho yasekuqaleni ehlanganiswe nezikhalazo zabathengi noma inkampani yamasevisi yenkampani yomshuwalense kanye nomongameli wenkampani. Ezingxenyeni eziningi, ukwehluleka ukuphendula ngokushesha ngezincwadi mayelana nokumangalelwa ngumkhuba womshuwalense ongalungile.
10. Bamba usizo ngaphandle.
Uma kunesidingo, kufanele ucele usizo olungaphandle ukufaka ingcindezi. Ezinye zezinsiza zangaphandle zihlanganisa:
- Umbuso wakho womnyango womshuwalense. Le minyango ikhululekile. Inani leminyango lingasiza ukuhluka okuvela embusweni kuya kumbuso. Abanye bathi ngeminyango enamandla, eCalifornia, eNew York, nase-Illinois, isibonelo, kuzosombulula impikiswano yakho.
- I-arbitrator efanele
- Ummeli
11. Thola ukusekelwa odokotela.
Uma ungakwazi ukucela ukusekelwa odokotela bakho ngesimangalo sakho, unethuba elingcono lokuphikisa ngempumelelo isimangalo.
12. Bheka ukuphulwa.
Uma isimangalo sakho senqatshelwa ngenxa yokunciphisa ukuhlinzekwa, thola ukuthi ngabe wazikwa yini ngaleyo nciphise ekuhloleni. Uma ubungenjalo, khona-ke unethuba elihle lokuwina isimangalo sakho ngoba ukwehluleka ukwazisa isiguli sokunciphisa ukukhishwa kungukuphulwa komthetho.
Izwi kusuka
Kunezinye izinsiza ezingakusiza ngolwazi nokwesekwa ekusizeni ukuthola ukukhokhelwa kwezempilo kanye nokubuyisela okufanele. Ungaxhumana nala maqembu ukuze uthole usizo olungaphezulu.
Coalition Coalition for Quality Health Care
1275 K St. NW, Ste. 602
Washington, DC 20005
Ifoni: 202-789-3606
Iwebhusayithi: http://www.consumers.org
Abathengi bokunakekelwa kwekhwalithi
1750 i-Ocean Park Ave., Ste. 200
Santa Monica, CA 90405
Ifoni: 310-392-0522
Iwebhusayithi: http://www.consumerwatchdog.org
Ungase futhi ufunde incwadi ethi Fight Back & Win - Indlela Yokuthola I-HMO Yakho Nempilo Yomshuwalense Wezempilo ukuze Ukhokhele , ngoWilliam M. Shernoff, ngolwazi olungeziwe.
> Imithombo:
> Lankford, Kimberly. "Indlela Yokuthola Izinkampani Zomshuwalense Ukukhokha Izimangalo Zakho" Imibiko Ye-Kiplinger. Ngo-Ephreli 30, 2012.
> Avitzur, Orly. "Izindlela Ezinhlanu Zokugwema Ukuba Nesikhalazo Somshuwalense WezeMpilo Esenqatshiwe." Imibiko yabathengi. Disemba 2014.