Iindlela ezisibhozo zokunciphisa iindleko zakho zokhathalelo lwempilo

Iindleko zokhathalelo lwempilo ziyaqhubeka nokunyuka. Kungenxa yoko le nto kunceda ukufunda indlela yokuthatha amanyathelo okunciphisa iindleko zakho zokhathalelo lwempilo epokothweni.

Funda ngendlela yokonga imali kwaye ufumane uncedo olufunayo. Qala ngokujonga ulwazi lwakho lwesicwangciso ukuze wazi ukuba zeziphi iinkonzo ezikhoyo. Zama ezi ngcebiso zingezantsi ukukunceda ufumane uninzi lwezibonelelo zakho kwaye wonge imali kukhathalelo lwakho.

1. Gcina imali kumayeza

Kukho iindlela ezimbalwa zokunciphisa iindleko kumayeza akho.

• Buza umboneleli wakho wezempilo ukuba ungatshintshela kumayeza aqhelekileyo. Zinezinto ezifanayo ezisebenzayo, kodwa zibiza ixabiso elingaphantsi kwegama leziyobisi.
• Buza umboneleli wakho ukuba ngaba kukho iyeza elingabizi kakhulu eliphatha imeko efanayo.
• Jonga ukuba ungayalela na amayeza ngeposi.
• Thatha onke amayeza akho njengoko uyalelwe. Ukungawasebenzisi amayeza akho okanye ukungawasebenzisi ngokwaneleyo amayeza kunokukhokelela kwiingxaki zempilo ezingaphezulu.

Sebenzisa iziBonelelo zakho

• Fumana ukuhlolwa rhoqo kwezempilo. Olu vavanyo lunokubamba iingxaki zempilo kwangethuba, xa zinokunyangwa ngokulula. Kwaye awunyanzelekanga ukuba uhlawule ikopi yokuhlolwa kwezempilo, izitofu zokundwendwela, kunye nokutyelelwa kakuhle ngonyaka.
• Fumana unonophelo lwangaphambi kokubeleka ukuba ukhulelwe. Le yeyona ndlela ilungileyo yokuqinisekisa ukuba wena nosana lwakho niyakuba sempilweni.
• Ezinye izicwangciso zezempilo zibonelela ngamagqwetha ezempilo okanye abaphathi bamatyala. Ummeli wezempilo unokukunceda ufumane uninzi lwezibonelelo zakho. Umphathi wecala angakunceda ulawule iingxaki zempilo ezinje ngeswekile okanye isifuba.
• Sebenzisa iinkonzo zasimahla nezinezaphulelo. Uninzi lwezicwangciso zezempilo zibonelela ngezaphulelo kwizinto ezinjengobulungu bokuzivocavoca okanye izambatho zamehlo.

3. Cwangcisela kwangaphambili uKhathalelo olungxamisekileyo nolungxamisekileyo

Xa ukugula okanye ukwenzakala kwenzeka, kuya kufuneka uthathe isigqibo sokuba sinobuzaza kangakanani kwaye kungekudala uza kufumana njani unyango. Oku kuya kukunceda ukhethe ukuba ufowunele umboneleli wakho, uye kwiklinikhi yokhathalelo olungxamisekileyo, okanye ufumane unyango olungxamisekileyo.

Unokuthatha isigqibo sokuba ungalufumana phi unonophelo ngokucinga ukuba ufuna ukhathalelo ngokukhawuleza kangakanani.

• Ukuba umntu okanye usana olungekazalwa lunokufa okanye lenzakale ngokusisigxina, kungxamiseko. Imizekelo ibandakanya iintlungu zesifuba, ingxaki yokuphefumla, okanye iintlungu ezinzima okanye ukopha.
• Ukuba ufuna ukhathalelo olungenakulinda kude kube lusuku olulandelayo ukuze ubone umboneleli wakho, ufuna ukhathalelo olungxamisekileyo. Imizekelo yokhathalelo olungxamisekileyo ibandakanya umqala womqala, usulelo lwesinyi, okanye ukulunywa yinja.

Uya konga ixesha kunye nemali ukuba usebenzisa isikhungo sononophelo esingxamisekileyo okanye ubone umboneleli wakho kunokuba uye kwisebe likaxakeka. Cwangcisa kwangaphambili ngokwazi ukuba leliphi iziko lononophelo olungxamisekileyo elikufutshane nawe. Kwakhona, funda indlela yokuqonda imeko kaxakeka kubantu abadala nasebuntwaneni.

4. Buza ngeZibonelelo zezigulana ezingalaliswayo

Ukuba ufuna inkqubo okanye uqhaqho, cela umboneleli wakho ukuba ungakwenza oko kwiklinikhi yezigulana ezingalaliswayo. Rhoqo, ukukhathalelwa eklinikhi kubiza ixabiso eliphantsi kunokuba nenkqubo efanayo esibhedlele.

5. Khetha abaNikezeli boNonophelo lwezeMpilo abaPhakathi

Kuxhomekeka kwinkxaso yakho yezempilo, unokukhetha ukubona ababoneleli abakwi-network okanye ngaphandle kwenethiwekhi. Uhlawula kancinci ukubona ababoneleli abakwi-network, kuba banesivumelwano nesicwangciso sakho sezempilo. Oku kuthetha ukuba babiza amaxabiso asezantsi.

6. Yinyamekele impilo yakho

Indlela elula yokonga imali kukhathalelo lwempilo kukuhlala usempilweni. Ewe kunjalo, ngamanye amaxesha kulula ukutsho kunokuba kwenziwe. Kodwa ukuhlala kubunzima obusempilweni, ukuzilolonga rhoqo, kunye nokungatshayi kunciphisa umngcipheko weengxaki zempilo. Ukuhlala usempilweni kunceda ukunqanda uvavanyo olunexabiso kunye nonyango lweemeko eziqhubekayo ezinje ngesifo seswekile okanye isifo sentliziyo.

7. Khetha iSicwangciso seMpilo esikulungele.

Xa ukhetha isicwangciso, cinga ngeemfuno zempilo zakho kunye nosapho lwakho. Ukuba ukhetha isicwangciso ngeepremiyamu eziphezulu, iindleko zakho zempilo ziya kuhlawulwa. Oku kunokuba ngumbono olungileyo ukuba unengxaki yempilo, enjengesifo seswekile, kwaye ufuna unonophelo rhoqo. Ukuba kunqabile ukuba ufuna unyango, unokufuna ukukhetha isicwangciso esitsalwe ngaphezulu. Uya kuhlawula iipremiyamu ezisezantsi zenyanga kwaye kunokwenzeka ugcine imali iyonke. Kwakhona thelekisa ukumiselwa kweziyobisi ngugqirha.

8. Sebenzisa iAkhawunti yoLondolozo lwezeMpilo (HSA) okanye iAlex Flexible Spending Account (FSA)

Abaqeshi abaninzi banikezela nge-HSA okanye i-FSA. Ezi ziiakhawunti zokonga ezikuvumela ukuba ubeke bucala imali yangaphambi kwerhafu yeendleko zokhathalelo lwempilo. Oku kunokukunceda ugcine amakhulu amawaka eedola ngonyaka. Ii-HSA zezakho, zifumana inzala, kwaye zinokudluliselwa kumqeshi omtsha. Ii-FSAs zezomqeshi wakho, awufumani nzala, kwaye kufuneka zisetyenziswe kunyaka wekhalenda.

IBhodi yaseMelika yoNyango lwaNgaphakathi lwezeMpilo (i-AMBI). Ukukhetha ngobulumko: izixhobo zomonde. Umxholo wokubuyela kwimithombo yolwazi. Kufumaneka ngo-Oktobha 29, 2020.

Amaziko oLawulo lweNtsholongwane kunye noThintelo lwewebhusayithi. Jonga ukuba zeziphi iimvavanyo zokuhlola kunye nezitofu zokugonya wena okanye umntu omthandayo ofuna ukuhlala usempilweni. www.cdc.gov/prevention/index.html. Ukuhlaziywa ngo-Okthobha 29, 2020. Ifikeleleke ngo-Okthobha 29, 2020.

Indawo yezempilo.gov iwebhusayithi. Amaziko aseMelika e-Medicare kunye neeNkonzo zeMedicaid. Iinkonzo zempilo zokuthintela. Lwezempilo.gov/coverage/preventive-care-benefits. Kufumaneka ngo-Oktobha 29, 2020.

Umsebenzi we-US othintela umsebenzi. Khangela ulwazi kubathengi. www.uspreventiveservicestaskforce.org/uspstf/brows-information-consumers. Kufumaneka ngo-Oktobha 29, 2020.

• Uncedo lwezeMali