Ukuqonda amaxabiso okuTshintsha amadolo: Yintoni kwiBhili?

Umxholo

• Kutheni iindleko zahlukile
• Yintoni ebangela iindleko?
• Amatyala amaninzi
• Iindleko eziphakathi
• Iindleko zesigulana
• Izaphulelo
• Unyango
• I-inshurensi yabucala
• Buza ugqirha wakho
• Iindleko zangaphandle
• Ukuqonda ityala lakho
• Ukulungiselela kwangaphambili
• Ukuhlala esibhedlele kunye nokuhlinzwa
• Unonophelo lwezithuba
• Amanani
• Iindleko ezongezelelweyo
• Izixhobo
• Iinkonzo zononophelo lwasekhaya
• Ukulungiswa kwekhaya
• Khetha ukugcina imali
• Zivela phi ezi zityholo?

Iindleko yinto ebalulekileyo ekufuneka uyiqwalasele xa ucinga ngokuhlinzwa ngokupheleleyo ngamadolo. Kubantu abaninzi, i-inshurensi yabo iya kuhlawula iindleko, kodwa kusenokubakho iindleko ezongezelelekileyo.

Apha, unokufumana ngakumbi ngexabiso lotyando lokutshintsha amadolo.

Kutheni iindleko zahlukile

Iindleko zokutshintsha idolo zinokwahluka kakhulu, kuxhomekeka ukuba uhlala phi, yeyiphi iklinikhi oyisebenzisayo, impilo yakho yonke, kunye nezinye izinto.

Yintoni ebangela iindleko?

Ibhili yokugqibela yesibhedlele iya kuxhomekeka kwizinto ezininzi, kubandakanya:

• Inani leentsuku ozichitha esibhedlele. Oku kuyakuxhomekeka ekubeni ukutshintsha kwamadolo kuphelele, kuyinxalenye, okanye kungamazwe amabini.
• Uhlobo lokumiliselwa kunye notyando. Oku kubandakanya izinto ezifakwayo kunye nokusetyenziswa kwazo naziphi na izixhobo zotyando ezenziwe ngokwezifiso okanye itekhnoloji ekhethekileyo yeekhompyuter.
• Iimeko esele zikho. Unokufuna ukhathalelo olongezelelekileyo esibhedlele okanye izilumkiso ezongezelelweyo ngexesha lotyando.
• Ixesha elichithwe kwigumbi lokusebenza. Ukuba umonakalo unzima, kunokuthatha ixesha elide ukuba usebenze, kwaye oku kuya kubiza kakhulu.
• Unonophelo olungalindelekanga okanye izixhobo. Ukuba kukho iingxaki, unokufuna ukhathalelo olongezelelekileyo.

Amatyala amaninzi

Kuza kubakho amatyala amaninzi emva kotyando olwenziwe ngamadolo, kubandakanya nezo:

• ukhathalelo lwesibhedlele
• lonke unyango oluvela kugqirha wotyando ngelixa usesibhedlele
• eminye imisebenzi kunye neenkqubo ezenziwa ngabasebenzi kwigumbi lokusebenza

Eminye imisebenzi kunye neendleko zibandakanya umsebenzi owenziwe ngugqirha wokubulala iintlungu, abancedisi botyando, abanyangi, nabanye.

Iindleko eziphakathi

Ngokwenqaku lowama-2013 kwi-AARP, U.S.Izibhedlele zibiza i-50, 000 yeedola, kwi-avareji, yokutshintsha idolo ngokupheleleyo (TKR). Ukutshintshwa kwamadolo (PKR) ngokuqhelekileyo kubiza malunga neepesenti ezili-10 ukuya kuma-20 ngaphantsi kwe-TKR. I-inshurensi yakho yezempilo kunye neMedicare iya kugubungela uninzi lweendleko, kodwa kusaza kubakho iintlawulo zokwenza.

Kutshanje, iBlue Cross Blue Shield eqikelelwa ngo-2019 ukuba ixabiso eliphakathi lenkqubo yokutshintshwa kwamadolo alalisiweyo yayiyi- $ 30,249, xa kuthelekiswa ne- $ 19,002 njengesigulana sangaphandle.

Esona sizathu siphambili kukuba i-PKR ifuna ukuhlala ixesha elifutshane esibhedlele: umndilili weentsuku eziyi-2.3, xa kuthelekiswa neentsuku eziyi-3.4 zeTKR.

Gcina ukhumbula ukuba iindleko zesibhedlele azibonisi isixa osibhatalayo epokothweni. Unokufunda ngakumbi malunga neendleko zokuphuma epokothweni apha ngezantsi.

Iindleko zesigulana

Imirhumo yezigulana ezilaliswayo zezi zenzeka ngelixa usesibhedlele.

Imirhumo evela kugqirha wotyando kunye nabanye ababoneleli ngezempilo banokongeza i-avareji ye- $ 7,500 kwisibhedlele esisisiseko sentlawulo, kodwa oku kuya kuxhomekeka kwiklinikhi nakwezinye izinto.

Izaphulelo

Izibhedlele ngamanye amaxesha ziya kubonelela ngezaphulelo ukuba awunayo i-inshurensi yezempilo okanye awugutyungelwanga yiMedicare. Buza malunga nesaphulelo okanye isicwangciso sokuhlawula ngaphambi kokucwangcisa utyando lwakho ukuba awunayo i-inshurensi. Kuya kufuneka uzame ukuqikelela iindleko zakho kwangaphambi kokuba unayo okanye awunayo i-inshurensi.

Unyango

Nje ukuba ufikelele kwi-deductible yakho, i-Medicare ihlawula iipesenti ezili-100 zezigulana ezingalaliswanga ezinxulumene nenkqubo kunye nokuhlala esibhedlele. Izicwangciso zeinshurensi zabucala zangaphambi kokuxoxisana nemirhumo nezibhedlele kunye nababoneleli Bahlala behlawula kuphela ipesenti yexabiso elipheleleyo.

I-inshurensi yabucala

I-inshurensi yabucala iyahluka, kwaye kubalulekile ukuba uphonononge isicwangciso sakho seenzuzo ngaphambi kokucwangcisa ukutshintshwa kwedolo.

Jonga la manqaku alandelayo ngaphambi kokwenza isigqibo:

• utsaliwe
• ngawaphi ababoneleli abakwi nethiwekhi yakho yeinshurensi
• Iinkonzo ezibandakanya i-inshurensi yakho

Buza ugqirha wakho

Ngaphambi kokulungiselela utyando, thetha nogqirha wakho, ummeli wesibhedlele, kunye nomnikezeli wakho weinshurensi ukuze ufumanise ukuba zeziphi iintlawulo eziphakathi kwindawo yakho kunye nezaphulelo ezinokusebenza

Iindleko zangaphandle

Iinkqubo zonyango kunye nezibhedlele ziya kuba yeyona ndleko yakho inkulu.

Kodwa kuya kufuneka uphinde uhlawule iinkonzo zonyango ngaphandle nasemva kwenkqubo yakho. Isigulana esibhedlele sibhekisa kwiinkonzo ezenzeka xa ungekho esibhedlele.

Ezi ndleko zongezelelweyo zibandakanya:

• iindleko zaphambi nasemva kokutyelelwa ziiofisi nomsebenzi waselebhu
• ulungiso lwenyama
• utyelelo olulandelayo kunye nogqirha wakho ngexesha lokuchacha

I-Medicare ihlala ihlawula iipesenti ezingama-80 zeenkonzo zokunyanga ngaphandle kwamalungu ayo. Izicwangciso zeinshurensi zabucala ziyahluka.

Kuya kufuneka ulindele ukuncitshiswa kunye neepopay ukuba zifakwe nakwesiphi na isigulana okanye iofisi yokundwendwela ngaphambi nasemva kotyando.

Ukuqonda ityala lakho

Amatyala ahluka, kodwa nantsi into onokuyilindela ngokubanzi ukuba unokutshintsha kwedolo:

Ukulungiselela kwangaphambili

Isigaba sovavanyo lonyango siqulathe uthethathethwano okanye utyelelo eofisini, imaging, kunye nomsebenzi waselebhu. Umsebenzi welebhu uhlala uquka umsebenzi wegazi, inkcubeko kunye novavanyo lwepaneli.

Inani leenkonzo ezilindelweyo kunye neentlawulo zizonke ziyahluka ngokugubungela i-inshurensi kunye neqela leminyaka.

Umzekelo, umntu ongaphezulu kweminyaka engama-65, odla ngokugutyungelwa yiMedicare, ufuna umsebenzi ongaphezulu kwelabhoratri kunomntu ongaphantsi kweminyaka engama-65.

Ukuhlala esibhedlele kunye nokuhlinzwa

Uya kufumana amatyala ahlukeneyo eTKR. Njengoko kuchaziwe apha ngasentla, isibhedlele siza kukuhlawulisa ngokuhlala kwakho, ixesha olichithe kwigumbi lokusebenza, kunye nezinye iinkonzo zesibhedlele ezifanelekileyo, izinto zoncedo kunye nezixhobo ezisetyenzisiweyo.

Ababoneleli baya kukuhlawulisa ngenkqubo yeentlawulo ezibandakanya iinkonzo ezinikezelwa ngugqirha wotyando, kunye:

• Ukubulawa
• isitofu
• Iinkonzo zezifo
• Uncedo lokuhlinzwa, umzekelo, ukusebenza kweekhompyuter ngoncedo okanye enye itekhnoloji
• ulungiso lwenyama
• ulungelelaniso lokhathalelo

Gcina ukhumbula ukuba ezinye izinto ezininzi zinokuchaphazela iindleko kunye neendleko ezinxulumene nenkqubo.

Iingxaki zinokuchaphazela nabani na, kodwa abantu abaneemeko esele zikho banokuchaphazeleka lula. Ukuba kukho iingxaki, unokufuna ukhathalelo olongezelelekileyo, kwaye oku kuyakongeza kwityala lakho.

Iswekile, ukutyeba kakhulu, kunye neanemia yonke imizekelo yeemeko ezikhoyo.

Unonophelo lwezithuba

Ukubuyisela kwimeko yesiqhelo kunye nokuvuselelwa kubandakanya:

• Iinkonzo zonyango lwangaphandle
• nasiphi na isixhobo kunye nonyango olusetyenziswa ngugqirha
• Ulandelelo olulandelayo

Amanani

I-avareji yeendleko zokuphuma epokothweni eUnited States zihamba ngokubanzi. Kuya kuxhomekeka kwisicwangciso sakho seinshurensi.

Kwizigulana zeMedare, iindleko ezingaphandle kweepokotho zingangamakhulu eedola. Abo baneinshurensi yabucala banokulindela ukuba ezi ndleko ziye kufikelela kumawaka.

Ukuphonononga isicwangciso sakho ngononophelo ukuba uneinshurensi yabucala. Khumbula ukufaka amanqaku kwi-deductible yakho, i-copay, i-coinsurance, kunye ne-max ngaphandle kwe-pocket.

Iindleko ezongezelelweyo

Iindleko zononophelo kunye neenkonzo ziyinxalenye yenkcitho iyonke.

Izixhobo

Kunokubakho ukuhlawulwa okungaphezulu kwezixhobo ezizodwa, ezaziwa njengesixhobo esomeleleyo sezonyango, ezinje ngomatshini wokuhambisa oqhubekayo, i-walker, okanye iintonga.

Iinkonzo zononophelo lwasekhaya

Uninzi lwezicwangciso zeinshurensi kunye neMedicare zigubungela ezi zixhobo. Nangona kunjalo, zinokubonakala njengeentlawulo ezongezelelweyo kwityala lakho lesibhedlele okanye kwenye ityala.

Unokufuna unyango olongezelelweyo okanye umongikazi ekhaya lakho.

Lindela ukuhlawula epokothweni ukuba i-inshurensi yakho ayizibandakanyi iinkonzo zononophelo lwasekhaya.

Kuya kubakho iindleko ezongezelelweyo ukuba awukwazi ukubuyela ekhaya ngokukhawuleza kwaye ufuna ukuchitha ixesha kwindawo yokubuyisela kwimeko yesiqhelo okanye indawo yokonga ukhathalelo olongezelelweyo.

Ukulungiswa kwekhaya

Kuya kufuneka ufake izixhobo zokhuselo ekhayeni lakho, ezinje:

• ukhuseleko kunye neentsimbi
• ibhentshi lokuhlamba
• isihlalo esonyukayo esinengalo

Khumbula ukubala umvuzo owulahlekileyo ukuba uthathe ikhefu emsebenzini ngenxa yoqhaqho okanye ngexesha lokuchacha. Thetha nomqeshi wakho kunye nomnikezeli weinshurensi ukufumanisa ukuba uyafaneleka na kuyo nayiphi na i-inshurensi yokukhubazeka ekhetha ukungabikho emsebenzini.

I-inshurensi yokukhubazeka luhlobo lweinshurensi ehlawula umvuzo ongephi kubasebenzi abangakwaziyo ukusebenza ngenxa yokwenzakala okanye ukukhubazeka. Inokugubungela ixesha lokuphumla olifunayo lotyando olunjengee-TKRs.

Funda ngakumbi malunga nokulungiselela ikhaya lakho ukubuyela kwimeko yesiqhelo.

Khetha ukugcina imali

Abanye abantu bakhetha utyando phesheya kolwandle. Iindleko zinokuba sezantsi kakhulu kumazwe afana neMexico, India okanye iTaiwan. Nangona kunjalo, unokuchitha amawaka aliwaka eedola kumatikiti enqwelo moya, iihotele, kunye nezinye iindleko ezinxulumene noko.

Ukuba ucinga ukuthatha le ndlela, qiniseka ukuba iziko linokuvunywa kwilizwe liphela yiKhomishini eHlangeneyo yeHlabathi ngaphambi kokuvuma inkqubo.

Ukuba kuyenzeka, oku kuthetha ukuba ogqirha bayavunywa kwaye izixhobo kunye neendawo zokufakelwa ziyahlangabezana nemigangatho ephezulu.

Ngokwazi iindleko kwangaphambili, unokuyiphepha imimangaliso-kunye nobunzima obunokubakho-ezantsi emgceni.

Zivela phi ezi zityholo?

Umthetho osayilwayo wokutshintshwa kwamadolo ngokupheleleyo uneendleko zangaphambi nasemva kokuhlinzwa, kunye nexabiso lotyando ngokwalo, kunye neentlawulo kubandakanya:

• utyelelo logqirha kugqirha kunye nomsebenzi weelebhu
• uqhaqho kunye nexesha olichitha kwigumbi lokusebenza, kubandakanya neerhafu zokubulala iintlungu kunye nezinye izixhobo ezisetyenzisiweyo
• ukuhlala kwakho esibhedlele
• ukutyelela ugqirha emva kokuhlinzwa
• ulungiso lwenyama