Uxoshiwe? Uhlukanisile? Kuhanjiswe? Noma umqashi wakho ushiye nje inzuzo yomshuwalense?
Kungakhathaliseki ukuthi usanda kukhishwa, noma umqashi wakho unqume ukunciphisa izindleko zezinzuzo ngokungasanikeli umshuwalense wezempilo, noma uma usanda kuhlukaniswa nomlingani noma umlingani owanikeze umshuwalense wezempilo emndenini wakho, noma mhlawumbe uye wadlula kakhulu futhi kwadingeka ushiye umsebenzi wakho ngemuva ...
Kungakhathaliseki ukuthi yisiphi isizathu, uma ungenayo umshuwalense wezempilo, kunezinyathelo ezithile nokucubungula ukukusiza ukuthi ugcine umshuwalense wokuthola umshwalense, noma uthole ukufakwa okusha, ukuqinisekisa ukuthi wena nomndeni wakho nigcina ukuvikelwa komshuwalense wakho.
Izinyathelo Ezisheshayo Uma Ulahlekelwa Umshwalense Wezempilo
- Kungakhathaliseki ukuthi izinyathelo zakho ezilandelayo zingase zibe nini, qiniseka ukuthi uthola "incwadi yokubika" evela kumshuwalense owake waba nawo kuze kube manje. Lesi akusona isicelo esingavamile, futhi singase sinikezwe ngisho nangaphambi kokukucela. Lisho nje ukuthi umshuwalense uye wakufihla isikhathi esivela ku -____ kuya ku- ____. Njengoba usuyisa kwenye i-insurer, ungase udinge ukufakazela ukuthi uye waba nokufakaza njalo futhi okuqhubekayo kuze kube yilapho, futhi le ncwadi yilokho okunikeza ubufakazi.
- Bheka ukuthi kungenzeka yini ukuthi umshuwalense wakho noma umqashi wakho umqashi wakho uyotholakala kanjani. (Abanye, kodwa akusiwo wonke amazwe avumela abalingani basekhaya ukuba bahlanganiswe). Uma ufunda ukuthi kungenzeka, khona-ke qoqa ulwazi mayelana nokubika, kufaka phakathi lokho okukuhlanganisa, nezindleko ezihambisanayo. Uzofuna ukuqhathanisa lezi zindlela ngezinye izinketho zakho. Qinisekisa ukuthi uhlola noma yiziphi ezinye izindlela ngokumelene neziphakamiso ezingezansi ukuze ukhethe uhlelo olusemthethweni lomshuwalense wezempilo.
- Hlela ukuthi ufanelekile yini ku-COBRA . I-COBRA ngumthetho we-federal odinga ukuthi abaqashi baqhubeke nokuqashwa kwabasebenzi nemindeni yabo kuze kube yizinyanga ezingu-18 ngemuva kokushiya lowo msebenzi. Kunezidingo ezimbalwa okumelwe zihlangabezane nazo, (isibonelo, umqashi wakho akudingeki anikele nge-COBRA uma kunabasebenzi abangaphansi kuka-20) kodwa ngokujwayelekile, lokhu kuyoba indlela yakho encane kakhulu yokugcina umshuwalense owake waba nawo . Ungakhathazeki, noma kunjalo. Kuzokushaya njengabiza kakhulu ngoba, kuze kube manje, umqashi wakho ukhokha ingxenye ye-premium yakho. Funda kabanzi mayelana nokubika kwe-COBRA .
Khetha Izinketho Zakho Ezingeziwe Emva kokulahlekelwa Umshwalense Wezempilo
- Bonisa ukuthi yiziphi ezinye ongakhetha kuzo zokuthola umshuwalense wezempilo. Hlola izinketho zomshuwalense wezempilo ngabanye, bese uziqhathanisa nezindleko zepolitiki kuphela kodwa nezindleko ze-pocket.
- Kuye ngemali engenayo yomndeni wakho yonyaka, ungase ufanelekele iMedicaid, izinsizakalo zokukhokha umshwalense wakho, noma ungathola ukuthi ungathola ikhefu entela yakho engenayo. Amathuba alawulwa nguhulumeni kahulumeni kanye nemithetho yombuso wakho. Ungathola ukuthi ukufaneleka kwakho kungaba yini nge-Healthcare.gov, noma, iqembu elibizwa ngokuthi uMthombo we-All unikeza ulwazi lomlando, isimo-ngesimo, mayelana nezinhlelo eziningi ezitholakala kungakhathaliseki ukuthi uthola imali yakho.
- Ungumdala? Uma ukhonza empini futhi ukhululwe ngokuhloniphekile, ngaphansi kwezimo ezithile ungase uvumeleke ukutholakala nge-Administration of Veteran (VA). Iwebhusayithi ye-VA inikeza ithuluzi elikhulu lokunquma ukufaneleka kwakho.
- Uma omunye noma amanye amalungu omndeni engaphilile, cabanga ukuwaqinisekisa ngezinhlelo ezihlukene, uma kufanelekile, futhi uma lokho kuzokulondoloza imali. Isibonelo, uma unomntwana onenkinga yezokwelapha, ingane yakho ingase ifanelekele i-CHIP (uhlelo lwesimo se-Child Health Insurance Protection) Funda kabanzi ngalolu khetho.
- Uma omunye wamalungu omndeni wakho enesimo sokuphazamiseka, awusadingeki ukhathazeke ngokufaneleka komshuwalense wezempilo. Awukwazi ukukhishwa ohlelweni lokunakekelwa kwezempilo. Lokhu kungenye yezinhlinzeko zoMthetho Wokunakekelwa Onganakekelwayo (U-Obamacare).
- Ingabe unesiko sokuzilibazisa ukuthi ungaba ibhizinisi elihlangene? Uma uhlela ibhizinisi, futhi "uqashe" umlingani wakho noma umntwana omdala, ungabhekwa njengomqashi "iqembu." Umbuso ngamunye unezinhlangano ezincane zebhizinisi namagumbi okuhweba amabhizinisi angakwazi ukujoyina, futhi lokho kungabenza bakwazi ukuthola izinhlelo zomshuwalense weqembu. Thintana ne-Small Business Association yakho noma isikhungo sokuthuthukiswa kwamabhizinisi amancane (ngokuvamile esitholakala emakolishi omphakathi) ukubuza ngalokhu kungenzeka.
Ukuqinisekisa Ikusasa Lakho
Ngenxa yokuthi ushiywe namuhla ufuna izindlela ezintsha akusho ukuthi kufanele uxazulule umshuwalense omncane impilo yakho yonke yomshuwalense (okungahlala kuze kube ngu-65 uma ufaneleka kuM Medicare ).
Cabanga ngalezi zindlela ezingeziwe:
- Thola omunye umsebenzi owenza izinzuzo.
- Uma ubuhlotsheni obuzinikezele nomuntu osenomshwalense wezempilo, hlola ukuze ubone ukuthi isimo sakho sivumela umshwalense womlingani wasekhaya , futhi uma kunjalo, yimaphi ama-inshuwalense anikeza izinhlelo ezizibandakanya. Uma kungenjalo, ungase ucabange ukushada nokuguqula inqubomgomo ukuze kutholakale umndeni.
- Khuthaza umqashi wakho ukuba angene ekushintsheni komshuwalense wezempilo okungase kube okungabizi kakhulu kwenkampani, kodwa kungakugcina izindleko zakho ziphansi.