Kunezinqumo eziningi ezingcono kakhulu zokuthola umshuwalense wezempilo kunokungena ngaphandle
Uma uya ekolishi, udinga umshwalense wezempilo umfundi. Ukuya ekolishi kungenye yezinto ezibaluleke kakhulu ongayenza ukuze uvikele ikusasa lakho lezezimali. Kodwa kwenzekani uma ugula noma ulimazekile ngenkathi ukhona?
Ungalokothi ube ngumqondo wokuphepha wamanga ngobusha bakho obuseduze kanye nempilo enhle ebonakalayo. Izingozi eziyingozi kanye nokugula okungazelelwe kungenzeka kunoma ubani nganoma yisiphi isikhathi, futhi izikweletu ezinkulu zezokwelapha zingadala zonke izinhlelo zakho ezihleliwe ngokucophelela.
Ngakho kubalulekile ukuqinisekisa ukuthi unempilo yomshwalense wezempilo.
Nazi ezinye izinketho:
Hlala Umshwalense Wezempilo Womzali Wakho
Uma abazali bakho bakuthwala emshwalense wabo, hlalani kuwo uma nje unakho.
Ngendlela yokuvikelwa kwabagulayo nomthetho wokunakekelwa okwethenjelwa , kusukela ngoSepthemba 2010, izingane zakho ezisekelwe phansi kumele zivunyelwe ukuhlala ohlelweni lwakho lwezempilo kuze kube yiminyaka engama-26 ngaphandle kokuba umdala wakho omusha afanelekele ukuhlinzeka ngempilo yomqashi.
Qaphela imininingwane, noma kunjalo. Uma ukuhlanganiswa kwabazali bakho kuyinkampani yokugcinwa kwezempilo (HMO), ukutholakala okugcwele kungatholakala kuphela endaweni abahlala kuyo. Amanye ama-HMO anamalungiselelo okuvuselela okuvumela ukuba kutholakale ngokugcwele ezindaweni ezingaphandle kwesisekelo sendawo, noma kunjalo, futhi yilokho okufanele uphenye ngaphambi kokuthi ukhethe le nketho.
Izinkinga ezifanayo zingavela nomshuwalense womzali esekelwe kwinhlangano ehlinzekwayo yokuhlinzeka (PPO).
Kudingeka ukuthi uthole ukwelashwa kumhlinzeki wezokwelapha ngaphakathi kwenethiwekhi eyinqunyiwe ukuze uthole amazinga aphezulu, futhi ungase ungayitholi uma isikole sakho siseduze nekhaya. Kungase kudingeke uhambe ekhaya ukuthola ama- copayments aphansi kakhulu nokuqinisekiswa kwezimali .
Endabeni ephuthumayo yezokwelapha, uhlelo lwezempilo lomzali wakho luyadingeka ukumboza izinsizakalo kusuka kunoma yimuphi umhlinzeki noma indawo (njengesigumbi esiphuthumayo) esinikeza ukunakekelwa okusheshayo.
Akusekho isikhathi eside Ukusebenza Noma Kuhlanganiswe Abazali Bakho, Hlola I-COBRA
Uma usanda kushiya umsebenzi owawunikeze umshuwalense wezempilo weqembu, umthetho we-federal obizwa nge- COBRA uvumela ukuthi uhlale kuleyo plan okungenani izinyanga ezingu-18 uma nje ukhokhela amaprimiyamu aphelele. Umthetho wokuguqula impilo awukwenzi ushintsho ku-COBRA.
Uma uneminyaka engaphezulu kwengu-26 futhi usafunda ekolishi, ungase ulahlekelwe ukuhlinzekwa kohlelo lwezempilo abahlinzeki bakho. Noma kunjalo, ungase uvumelekile ukuqhutshwa kokuqhubeka kwe-COBRA isikhathi esithile. Abazali bakho, abaye baphatha umshwalense wakho, kuzodingeka bahlole nge-agent yabo yomshuwalense noma umphathi wezinzuzo emsebenzini ukuze uqiniseke ukuthi ufanelekile.
Bona ukuthi iSikole Sakho Sinikeza Umshwalense Wezempilo
Amakholeji amaningi namayunivesithi anikeza izinhlelo zempilo ezibiza izindleko zabafundi babo ngezivumelwano nezinkampani zomshuwalense wangasese. Hlola ngehhovisi lakho lokungeniswa ukuze ubone ukuthi ngabe isikole sakho senzani, futhi uma kunjalo, ungathola kanjani uhlobo lokufinyelela.
Amanye amakholeji namayunivesithi angadinga ukuthi uthwale uhlobo oluthile lokunakekelwa kwezempilo okunzulu njengoba isimo sokubhalisa.
Isikole sakho singanikela ngezinhlobo eziningana zemigomo yezempilo yomfundi kusuka enjongweni yengozi elula eya ehambisana nezidingo ezinkulu zezokwelapha.
Kungaba umqondo omuhle ukuthi uthenge inqubomgomo yezokwelapha ephelele ezovakashela ukuvakashelwa kwesevisi yezempilo yomfundi, ochwepheshe, izinqubo ezidingekayo zemithi nezivivinyo zokuxilonga.
Thenga Umshwalense Wakho
Uma isikole sakho singanikeli uhlelo lwezempilo oluphansi, ungase uthande ukucabangela ukuthenga inqubomgomo yomshuwalense wezempilo ngamunye ngokusebenzisa umthengisi noma ummeli womshuwalense.
Izinqubomgomo zomuntu ngamunye zingabiza, futhi uhlelo lwezempilo luzohlola impilo yakho ngaphambi kokwenza isinqumo sokukunikeza ukuhlinzekwa. Uma unesimo sezokwelapha esandulele , uhlelo lwezempilo lungenqaba ukukumboza noma ukubeka isikhathi sokukhishwa kwesimo esandulele .
Kodwa-ke, ukusebenza ngoJanuwari 1, 2014, izinhlelo zezempilo ngeke zisavunyelwe ukubeka isikhathi sokulinda esimweni esivele sikhona noma umshuwalense wenqabe kunoma ubani onjalo. Futhi, kusukela ngo-2014, uzokwazi ukuthenga ukuhlinzekwa kwezempilo emshwaleni we-umshuwalense wezempilo esifundazweni noma esifundeni sakho.
Umshwalense wezeMpilo ngokusebenzisa iMedicaid
Uma imali yomndeni wakho iphansi, umndeni wakho uhlaselwa izikweletu eziphezulu zezokwelapha, noma unokukhubazeka, ungase ufanelekele i- Medicaid . Ukuze uthole ukuthi uvumelekile, hlola umnyango womshuwalense wombuso wakho.
Umthetho wokuguqulwa kwezempilo uzokwandisa ukufaneleka kweMedicaid ukuhlanganisa wonke amaMelika angaphansi kweminyaka engama-65 ngemali engenayo kuze kube ngu-133% wezinga lobuphofu lombuso, kuhlanganise nabantu abadala abangenabantwana abaxhomekile.
Faka isicelo seMpilo yokuThuthuka ngePhuthumishana Yomshuwalense Wezempilo Yombuso wakho
Izifunda eziningi zinezinhlelo ezikhethekile zempilo ezakhamuzi ezingafanelekeli i-Medicaid, azikwazi ukukhokhela umshuwalense wezempilo, noma ziphiwe ukukhishwa kwenkampani yomshuwalense wangasese. Okulandelayo luhlu lwamanje lomshuwalense wezempilo:
- Amazwe anamaPhuphu aphezulu
Thola Isikhungo Sezempilo Somphakathi
Uma okwamanje awunayo umshuwalense kodwa udinga ukwelashwa, zama ukufuna isikhungo sezempilo somphakathi esifanelekayo (FQHC) esiseduze nawe. Izikhungo zempilo yomphakathi zingatholakala emadolobheni amaningi nasemaphandleni amaningi ezweni. Lezi zindawo zokunakekelwa kwezempilo zinikeza ukunakekelwa kubantu abangenawo umshuwalense wezempilo futhi banezilinganiso zokukhokha ezisekelwe kumholo.
Izikhungo zezempilo zomphakathi zihlinzeka ngokuhlola, ukwelashwa kokugula, ukunakekelwa kokubeletha, ukugoma nokunakekelwa kwezingane zakho, nokwelashwa kwezempilo yengqondo kanye nezinkinga zokusebenzisa izidakamizwa. Izikhungo eziningi zezempilo zinemitholampilo yamazinyo nama-pharmacy ezakhiweni zabo.