Ungayigcina njani imali kwiMigqaliselo

Umxholo

• 1. Buza malunga namayeza enziwe afana nalawo enziwa ngumenzi
• 2. Fumana ubonelelo olukhulu
• 3. Thelekisa amaxabiso
• 4. Sebenzisa inkqubo yokonga izaphulelo
• 5. Faka isicelo soncedo lwezemali
• 6. Fumana isiCwangciso seMedicare seCandelo leMithi
• 7. Sebenzisa ikhemesti yoku-odola iposi
• 8. Cela iisampulu kugqirha wakho
• 9. Sukucinga ukuba i-inshurensi yakho yezempilo ayibizi kakhulu
• Ukuthatha

Nokuba unesifo esinganyangekiyo okanye isigulo sexesha elifutshane, oogqirha bahlala bejika kuqala kukuyalela amayeza. Oku kunokuba yi-antibiotic, i-anti-inflammatory, i-blood thinner, okanye nayiphi na enye ininzi yezinye iziyobisi.

Kodwa amayeza amaninzi eza nexabiso elikhulu. Kangangokuba phantse umntu omnye kwabane baseMelika ukufumanisa kunzima ukufumana imigqaliselo yabo, ngokutsho kolunye uphando.

Ngenxa yoko, abantu abaninzi kufuneka benze isigqibo esinzima: Ngaba ndiyawugcwalisa amayeza amiselweyo, okanye ndiyeke amayeza kwaye ndibeke emngciphekweni wokugula?

Nangona amanye amayeza amiselweyo engenanto kodwa ungazithoba iindleko zakho zokuphuma epokothweni kwaye ufumane ukhathalelo oludingayo- kwaye kufanelekile.

Nazi ezinye iindlela ezisithoba zokugcina imali kumayeza kagqirha.

1. Buza malunga namayeza enziwe afana nalawo enziwa ngumenzi

Kungenxa yokuba ugqirha wakho ubhala amayeza egama legama elichazayo akuthethi ukuba kuya kufuneka uhlawule imali eninzi kunyango.

Amachiza amaninzi ophawu lweentlobo-ntlobo nawo aneenguqulelo eziqhelekileyo ezenziwe ngamaxabiso aphantsi. Ezi zinezithako ezifanayo ezisebenzayo kwaye ziyafumaneka ngobungakanani obufanayo.

Buza ugqirha wakho ukuba abhale iyeza kuhlobo oluqhelekileyo lwamayeza endaweni yoko. Unokuphinda ubuze usokhemesti wakho malunga neendlela ezizezinye ezinokwenza nolunye uhlobo lonyango.

2. Fumana ubonelelo olukhulu

Kungenzeka ukuba kuya kufuneka uthathe amayeza athile ubuncinci iinyanga ezintathu. Ukuba kunjalo, endaweni yokufumana amayeza obonelelo lweentsuku ezingama-30, cela ugqirha wakho ukuba abhale iyeza lokubonelela ngeentsuku ezingama-90.

Uhlala ugcina imali ngokuthenga amayeza ngezixa ezikhulu. Kwaye awuzukugcwalisa amayeza rhoqo, anokugcina imali kwii-copays.

Ezinye iikhemesti zinokubonelela ngeentsuku ezingama-30 zamayeza athile enziwe afana nalawo enziwe ngumenzi ngeedola ezi-4 zeedola, kunye nokubonelelwa ngeentsuku ezingama-90 zeedola ezili-10.

3. Thelekisa amaxabiso

Musa ukucinga ukuba zonke iikhemesti zihlawulisa imali efanayo. Ngaphambi kokuba ugcwalise amayeza, biza iikhemesti ezahlukeneyo kwaye uthelekise amaxabiso okonga imali.

Ungatsalela umnxeba abathengisi abakhulu beebhokisi kunye neevenkile ezinje ngeThagethi, iWalmart, kunye neCostco, kunye neekhemesti ezizimeleyo.

4. Sebenzisa inkqubo yokonga izaphulelo

Ngelixa uthelekisa amaxabiso, unokukhangela kwi-Intanethi izaphulelo kunye nokulondolozwa kwangoko usebenzisa inkonzo efana neOptum Perks.

Chwetheza igama likagqirha, setha indawo okuyo, kwaye uya kubona amaxabiso ahlawuliswa ziikhemesti ezikufutshane kunyango. Inkampani ide inike ikhadi lesaphulelo sosimahla.

Ungayifumana ngokubhaliweyo okanye nge-imeyile, okanye uprinte ikhadi. Le ayisiyi-inshurensi, kodwa endaweni yoko yinkqubo yokonga iziyobisi.

5. Faka isicelo soncedo lwezemali

Kunye nokusebenzisa inkqubo yesaphulelo sikagqirha, unokulungela ukufumana uncedo lweziyobisi olunikwa ngurhulumente wakho okanye ngurhulumente wengingqi.

Iimfuneko zenkqubo ziyahluka, kwaye ezinye zibeka imiqobo yengeniso. Ukufunda ngakumbi malunga neenkqubo, nxibelelana neNkqubo yoNcedo lwaMayeza kaRhulumente okanye ubuDlelwane boNcedo lwaMayeza.

Gcina ukhumbula ukuba ezinye iivenkile zivelisa ezazo iinkqubo zasimahla zokufumana amayeza. Unokuba ulungele ukufumana i-antibiotics yasimahla okanye amayeza asimahla kuxinzelelo lwegazi kunye neswekile. Nxibelelana nekhemesti yakho ukuze ufumane ulwazi oluthe kratya.

6. Fumana isiCwangciso seMedicare seCandelo leMithi

Ukuba ufanelekile kwi-Medicare, cinga ngokufumana isicwangciso sokuyalela amayeza ukunciphisa iindleko zakho zokuphuma epokothweni zamayeza. Ngethuba nje ubhalise kwi-Medicare Part A okanye kwiCandelo B (okanye zombini), unokuthenga i-Medicare Part D isicwangciso semithi yesigqirha njengomgaqo-nkqubo wokuma.

Ungasayinela kwakhona isicwangciso seNzuzo ye-Medicare equka izibonelelo zeCandelo D. Uncedo lweMedicare yiMedicare yoqobo enikezelwa ziinkampani zeinshurensi zabucala. Ungasayinela isicwangciso seCandelo D seMedare ngexesha lobhaliso oluvulekileyo lweMedicare ukusuka nge-15 ka-Okthobha ukuya kwi-7 yoDisemba ngonyaka

7. Sebenzisa ikhemesti yoku-odola iposi

Ezinye izinto zitshiphu xa uzithenga kwi-Intanethi. Oku kunokusebenza nakwamayeza.

I-imeyile yoku-odola iikhemesti zinentloko encinci xa kuthelekiswa nekhemesti yendawo. Ngenxa yoku, banakho ukuthengisa amayeza ngexabiso eliphantsi.

Nxibelelana nomboneleli wakho weinshurensi yezempilo ukuze ubone ukuba banabo na ubudlelwane okanye ubuhlakani kunye nekhemesti yoku-odola iposi. Ukuba kunjalo, cela ugqirha wakho ukuba athumele amayeza akho kwinkampani e-odola iposi. Banokuyihambisa imiyalelo yakho kumnyango wangaphambili.

8. Cela iisampulu kugqirha wakho

Ukuba ugqirha ucebisa iyeza elibizayo, cela iisampulu zasimahla. Unokuzama iyeza ukuqinisekisa ukuba awunazo naziphi na iziphumo ebezingalindelekanga ngaphambi kokugcwalisa amayeza.

9. Sukucinga ukuba i-inshurensi yakho yezempilo ayibizi kakhulu

Ukuba i-inshurensi yakho yezempilo ibandakanya ukugqunywa ngamayeza amiselweyo, sukucinga ukuba ukusebenzisa i-inshurensi akubizi.

Ngamanye amaxesha, indleko zokuthenga ichiza elithile ngaphandle kwepokotho zibiza ixabiso eliphantsi kunelo likhutshelwa ngugqirha. Ngaphambi kokusebenzisa i-inshurensi yakho ukuhlawula amayeza, buza malunga neendleko ngaphandle kweinshurensi.

I-inshurensi yakho ye-inshurensi inokuba yi- $ 10, ukanti amayeza axabisa kuphela i-5 yedola ngaphandle kwe-inshurensi.

Ukuthatha

Amayeza amiselweyo anokuxabisa kuxhomekeke kuhlobo lweziyobisi kwaye kufuneka kangaphi ukugcwalisa amayeza. Kodwa ngelixa iindleko zamachiza zinokuphazamisa uhlahlo-lwabiwo mali, ezi zicwangciso zinokuthoba ukubetha epokothweni yakho. Oku kunokukuvumela ukuba ufumane amayeza owadingayo ukuze uzive ngcono msinyane.