Ukunciphisa Imiphi Imisebenzi Yokunakekelwa Kwezempilo Okuvunyelwe Noma Ehlanganisiwe
Ukulinganisa kusho ukuthi ulinganiselwe kulokho okuvunyelwe ukuthenga. Yayisetshenziswa ngesikhathi seMpi Yezwe II ukuqinisekisa ukuthi amasosha anempahla ekhona ngenkathi labo ekhaya bengathenga kuphela inani elincinci lebhotela, ushukela, noma uphethiloli. Kungamangaza ukuthi ufunde ukuthi ukuhanjiswa kwenzeka namuhla ekunakekelweni kwezempilo. Ukunconywa kwezempilo kuyasetshenziswa ngabanomshwalense wezempilo, uhulumeni, kanye nabantu ngabanye ukugcina imali.
Abanye bangaphikisana nokuhlelwa kwempilo kwezempilo kunomusa omkhulu.
Ukukhishwa Kwezempilo Kusebenza Kanjani?
Ungakholelwa ukuthi uma kukhona ukwelashwa etholakalayo, kungakhathaliseki ukuthi kudingekile, futhi kungakhathaliseki ukuthi kunomphumela omuhle yini, kufanele utholakale kuwe. Ungathola ukukhathazeka uma utshele ukuthi awukwazi ukukwenza noma uzokhokha ngaphezulu. Kodwa-ke, njengoba izimali zinganiselwe, izinketho zakho zilinganiselwe, futhi, ngezindlela ezihlukahlukene.
Ukuzihlukanisa
Ngezinye izikhathi abantu bazikhawulela ngokwabo. Ake sithi uhlakulela i-rash. Unezinqumo ezimbili. Owokuqala ukuya kudokotela, okufaka izindleko zokuvakashelwa kanye nanoma yimuphi umuthi noma izivivinyo aziqhubayo.
Noma, ungase ukhethe ukwelashwa okuphezulu kwe-counter-counter, okungabizi kakhulu. Futhi ulondoloza isikhathi, ukubambezeleka, nokuphazamiseka kokuqokwa kukadokotela. Uma ukhetha umzila ongenawo udokotela-ukuvakasha, khona-ke uye wazibeka ngokweqile ukunakekelwa kwakho futhi ulondoloze imali, okungenani ngesikhathi esifushane.
Ubeka ingozi ukuthi isimo sakho asihloliswanga ngokugcwele futhi angeke siphathwe ngendlela efanele, senze izindleko eziphakeme esikhathini eside kunokuya kudokotela.
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Abanakekeli bezeMpilo bayanakekelwa, kodwa abakubiza ngokuthi ukulinganisa, futhi abafuni ngisho nokuba uqaphele ukuthi ukulinganisa.
Lokhu kubhekiselwa ngokuthi "ukulinganisa kwe-covert."
Uma izinkampani zomshuwalense zizinakekelwa, kuyinzuzo yokulondoloza imali, okuyingxenye enhle kakhulu, kodwa futhi nokugcina inzuzo noma ukuphakamisa imiholo noma ezinye izizathu amakhasimende abo azishaya zona. Ezinye zezindleko zabo zigcina ama- premium aphezulu nakakhulu, futhi ivumela abatshuwalense ukuba bahlale ebhizinisini. Nanka ezinye zezindlela abazisebenzisayo ukunakekelwa.
Abanakekeli bezempilo bakhombisa ukunakekelwa kwakho ngokunciphisa odokotela ongase uvakashele ngoba baxoxisana ngemali nalabo odokotela. Bazokukhokhela kuphela ukuthi uvakashele labo abaye baxoxisana ngemali ephansi kunazo zonke.
Abanakekeli bezeMpilo banakekelwa ngokubambisana , ama- deductibles , nama-caps. Eqinisweni, lokho abakwenza ngempela kukukhuthaza ukuba uzibambe. Ukwazi ukuthi inani elithile lokunakekelwa kwakho lizokhokhwa kusuka ephaketheni lakho, ungakhetha ukungakutholi ukunakekelwa noma isidakamizwa oyidingayo.
Ababheki bezempilo bayaphika izinsizakalo noma izinkokhelo zezinsizakalo. Ukwehla ukunakekelwa mhlawumbe uhlobo oluzwakalayo lokunciphisa ngoba lubangela ukucasuka nokukhungatheka. Yiziphi iziguli eziningi ezingaziqondi ukuthi lokhu futhi kuyisici sokulinganisa okuthinteka kakhulu yimithetho nemithethonqubo, futhi. Ezimweni eziningi, lezo zinkolelo zingase zisekelwe kwisayensi noma ubufakazi bokuthi ukwelashwa ngeke kusebenze, akusebenzi kahle, noma kusha kakhulu.
- Iziguli eziningi ziphazamiseka ukuthi umshuwalense ngeke ukubuyisela ukwelashwa okunye. Okushiwo yi-insurer ukuthi akukho ubufakazi obanele bokufakazela ukuthi ukwelashwa kuzosebenza.
- Izidakamizwa zokuhlola, okungekho emgqeni noma izindlela ezintsha zokuhlinzwa zishaya ukubonisa ubufakazi obanele bokuphumelela, ngakho inkampani yomshuwalense ngeke ibuyisele yona.
- Udokotela angancoma ukwelashwa okuboniswa ukuzuza kuphela amaphesenti amancane abantu abasebenzise (ngokuvamile ezikhathini ezinzima kakhulu zezokwelapha), futhi kungase kube kubi kakhulu, ngakho inkampani yomshuwalense izothatha isinqumo sokuthi akufanelekile izindleko eziphakeme ngenxa encane kakhulu amathuba okuphumelela.
Khumbula-ke ukuthi umshuwalense akaphiki imvume yokwelapha. Kunalokho, ukukhokhelwa ukwelashwa kuyalahlwa. Isiguli singakwazi ukuhlanganyela ekwelapheni uma singayikhokha sona. Lokhu kuhluke kwamanye amazwe lapho izinsizakalo zingavumelekile ukuba zinikezwe ngisho noma isiguli sikwazi ukuzikhokhela sisodwa.
Ukulinganiswa kwezeMpilo kaHulumeni
Ngisho nezinkolelo zikahulumeni zokunakekelwa kwezempilo. Umehluko phakathi kokulinganisa kukahulumeni kanye nokulinganisa okwenziwe ngabanomshuwalense wezempilo ukuthi ayikho inhloso yokuzuza. Uhulumeni, ngokusebenzisa i- Medicare noma i-State Medicaid noma ezinye izinhlelo, ugcina izindleko ezinciphile ngangokunokwenzeka ukuze ugcine izintela eziphansi noma ukwandisa ukunakekelwa kwabanye, kokubili kubhekwe njengento enkulu kakhulu.
Isibonelo esihle sokuhlelwa kukahulumeni ngumgodi we-Medicare. Abadala bayazi ukuthi banamkhawulo emalini abangayisebenzisa ngemigomo ngoba uma bechitha okuningi, livela emaphaketheni abo.
Indlela Ukuqonda Ukunciphisa Ukunakekelwa Kwezempilo Kungakusiza
Kunezizathu eziningana zokuthi ukuqonda ukulinganisa kwezempilo kuzokusiza.
- Uma kufanele ulahlekelwe ukunakekelwa, uzokwazi ukuthi kungani wenqatshiwe, futhi uzoqonda kangcono indlela ongayenza ngayo ngokulwa nayo, uma ufuna ukwenza kanjalo.
- Impikiswano yokuguquguquka kwezeMpilo ihlanganisa imibono yokuthi ukukhokha kufanele kulandelwe kanjani; kungakhathaliseki ukuthi kufanele kwenziwe ngabakhokhi bakahulumeni nabangasese, noma ngabe i-United States kufanele ihambise ohlelweni olulodwa lokukhokha .
Abanye ochwepheshe ekunakekelweni kwezempilo kuzokutshela ukuthi ukuhlungwa kwe-insurer yezempilo yangasese kusho ukuthi ababheki bomshuwalense yibo abathola ukuthi ubani othola ukunakekelwa. Bachaza ukuthi lokho ukwelashwa okuthola kunakho okunye okukwenzayo noma ngabe umshwalense wakho unikeza imvume kunalokho wena nodokotela wakho ocabanga ukuthi kungcono kakhulu. Abashuwalense abazimele bathi uma uhulumeni ethatha konke ukukhokhelwa kwezindleko kuzo zonke izidingo zezempilo, uhulumeni uzokwenza izinqumo zokunakekelwa kwezempilo ezigulini.
Iziguli kuzodingeka zizinqumele ukuthi zizizwa kanjani ngesithombe esikhulu. Kodwa ukuqonda namuhla ukuthi ukukhishwa kwemisebenzi kuzobasiza kanjani ukuba baqaphele ukuthi bangayithola kanjani ukunakekelwa abayidingayo futhi bayifunayo.