Ungasikhetha njani isicwangciso sempilo

Xa kuziwa ekufumaneni i-inshurensi yezempilo, unokukhetha ngaphezulu kwesinye. Abaqeshi abaninzi banikezela ngaphezulu kwesicwangciso esinye. Ukuba uthenga kwiNdawo yeNtengiso ye-Inshurensi yezeMpilo, unokuba nezicwangciso ezininzi onokukhetha kuzo. Wazi njani ukuba ukhethe ntoni? Uninzi lwezicwangciso zezempilo zinempawu ezifanayo.

Esi sikhokelo sinokukunceda ukuba uqonde indlela yokuthelekisa ukhetho lwakho, ukuze ufumane iinkonzo ozifunayo ngexabiso elifanele uhlahlo-lwabiwo mali.

Ngelixa uninzi lwezicwangciso zinempawu ezininzi ezifanayo, kukho umahluko ekufuneka uyazi.

Iintlawulo zanyanga le. Le yile mali oyihlawulayo kwi-inshurensi yezempilo. Unokuyihlawula inyanga nenyanga, ngekota, okanye kanye ngonyaka. Kuya kufuneka uyihlawule nokuba ungasebenzisa ziphi na iinkonzo. Umqeshi wakho uya kuqokelela iziqendu zakho kumvuzo wakho. Unokuzihlawula ngqo.

Iindleko eziphuma epokothweni. Oku kubandakanya ii-copayments (ii-copays), ezitsalwayo, kunye ne-inshurensi yentsebenziswano. Ezi ziindleko ozihlawulela ukuphuma epokothweni ngeenkonzo ezithile. Isicwangciso sakho sempilo sihlawula yonke intsalela. Kuya kufuneka uhlawule isixa esithile epokothweni phambi kokuba isicwangciso sakho sezempilo siqale ukuhlawulela iindleko zokhathalelo lwakho.

Izibonelelo. Ezi ke ziinkonzo zempilo ezichazwe kwisicwangciso. Enkosi kutshintsho lokhathalelo lwempilo, uninzi lwezicwangciso ngoku kufuneka zigubungele iinkonzo ezifanayo ezisisiseko. Oku kubandakanya ukhathalelo lothintelo, ukhathalelo lasesibhedlele, ukhathalelo lokubeleka, ukhathalelo lwempilo yengqondo, iimvavanyo zaselebhu, kunye namayeza kagqirha. Ezinye iinkonzo ezinje nge-chiropractic, amazinyo, okanye ukhathalelo lombono azinakugutyungelwa ngokupheleleyo. Kwakhona, ezinye izicwangciso zigubungela kuphela amayeza amiselweyo, okanye zibize iikopi ezahlukeneyo.

Inethiwekhi yomboneleli. Izicwangciso ezininzi zinenethiwekhi yomboneleli. Aba baboneleli baneemvumelwano nesicwangciso. Banikezela ngeenkonzo ngexabiso elimiselweyo. Iindleko zakho zokuphuma epokothweni ziphantsi xa usebenzisa ababoneleli benethiwekhi.

Inkululeko yokuzikhethela. Ezinye izicwangciso zikunika inkululeko yokwenza amadinga kunye nabanye ababoneleli. Ngezinye izicwangciso, kuya kufuneka ufumane ukuhanjiswa kugqirha wakho oyintloko ukuze ubone ingcali. Izicwangciso ezininzi zikunika ukhetho lokusebenzisa ababoneleli abangaphandle kwenethiwekhi, kodwa ngexabiso eliphezulu. Gcina ukhumbula ukuba iipremiyamu kunye neendleko zokuphuma epokothweni nazo zinokuphakama kwizicwangciso ezikuvumela ukuba ubone ababoneleli abangaphandle kwenethiwekhi.

Amaphepha. Kwezinye izicwangciso, unokufuna ukufaka iifayile. Ukuba uneakhawunti yokonga yonyango yeendleko zokuphuma epokothweni, kungafuneka ugcine umkhondo webhalansi yakho. Kuya kufuneka ukuba wenze amaphepha ngeenjongo zerhafu.

Abaqeshi kunye neendawo zikarhulumente, ezinje ngeNtengiso, zibonelela ngolwazi ngesicwangciso ngasinye. Unokunikwa incwadana ethelekisa lonke ukhetho lwakho. Unokwazi ukuthelekisa izicwangciso kwi-Intanethi. Xa ujonga isicwangciso ngasinye:

• Dibanisa iindleko zepremiyamu zonyaka.
• Cinga malunga nokuba zingaphi na iinkonzo onokuzisebenzisa kunye nosapho lwakho ngonyaka. Dibanisa ukuba iindleko zakho zokuphuma epokothweni zinokuba yintoni kwinkonzo nganye. Jonga ubuninzi bemali ekufuneka uyihlawule kwisicwangciso ngasinye. Awusoze ufikelele kweliphezulu ukuba usebenzisa iinkonzo ezimbalwa.
• Jonga ukuba ababoneleli bakho kunye nezibhedlele zikwinkqubo yenethiwekhi. Ukuba akunjalo, jonga ukuba kungakanani ekufuneka uhlawule ukuze ubone umboneleli ongaphandle kwenethiwekhi. Khangela ukuba ufuna ukuhanjiswa.
• Jonga ukujonga ukuba uya kugutyungelwa na iinkonzo ezizodwa onokuzifuna, ezinje ngamazinyo okanye ukhathalelo lombono. Qinisekisa ukuba nawaphi na amayeza amayeza agqunywe sisicwangciso sakho.
• Yongeza ipremiyamu yakho, iindleko zakho zokuphuma epokothweni, indleko zokumiselwa, kunye nazo naziphi na iindleko ezingaphezulu zokufumana itotali yonyaka.
• Jonga ukuba mangaphi amaphepha kunye nokuzilawula oza nesicwangciso sakho. Cinga ngexesha kunye nomdla onawo ekulawuleni le misebenzi.
• Fumanisa ukuba kukho izaphulelo ezithile kwindawo yokuzivocavoca yasekuhlaleni okanye kwinkqubo yokunciphisa umzimba, okanye ezinye iinkqubo zempilo onokuthanda ukuzisebenzisa.

Ukuthatha ixesha lokuya kukhetho lwakho kwaye uthelekise iindleko kufanelekile ukuba uqiniseke ukuba ufumana isicwangciso sempilo esivumelana neemfuno zakho kunye nesipaji sakho.

Indawo yezempilo.gov iwebhusayithi. Wamkelekile kwisicwangciso somfumani. finder.healthcare.gov. Kufumaneka ngo-Oktobha 27, 2020.

Indawo yezempilo.gov iwebhusayithi. Ungasikhetha njani isicwangciso seinshurensi yezempilo: Izinto ezi-3 zokwazi ngaphambi kokuba ukhethe isicwangciso seinshurensi yezempilo. Lwezempilo Health.gov/choose-a-plan. Kufumaneka ngo-Oktobha 27, 2020.

Indawo yezempilo.gov iwebhusayithi. Ukuqonda iindleko zeinshurensi yezempilo kwenza izigqibo ezingcono. www.healthcare.gov/blog/understanding-health-care-care-costs/. Ukuhlaziywa kweJulayi 28,2016. Kufumaneka ngo-Oktobha 27, 2020.

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