Awukho umshuwalense wezempilo? Zama lezi zinsiza ze-2020
InkampaniNgo-2018, 9% yabantu baseMelika babengaqinisekisiwe. Eminyakeni emibili nobhadane kamuva, izigidi zezicelo zabangasebenzi zigcwele ideski loMnyango Wezabasebenzi. Njengoba cishe isigamu sabaseMelika babenecebo lezempilo elixhaswe umqashi, singalindela ukuthi inani leziguli ezingaqinisekisiwe likhuphuke.
Yize ezinye izifundazwe zisakuqinisa, akusekho ukuhlawuliswa intela nguhulumeni wesifundazwe ngokungabi nomshwalense wezempilo. Kepha ubungozi bokuthi kungabikho umshuwalense wezempilo bukhulu kakhulu kunosizi lwezezimali. Kubeka impilo yakho engcupheni, futhi. Ngo-2019, 1 emikhayeni emi-3 e-United States kweqa ukwelashwa ngenxa yezindleko. Ukwelashwa nokubambelela emithini kubalulekile ekwelapheni ukugula ngaphambi kokuba kube yisifo esingelapheki, okungukuthi imbangela ehamba phambili yokufa nokukhubazeka eU.S.
Ngakho-ke wenzani uma ungenayo umshuwalense wezempilo? Okokuqala, kufanele ucabangele izinketho zokumboza ezempilo zesikhashana nezinhlelo ezihola kancane njengeMedicaid noma i-Children's Health Insurance Program (CHIP). Kodwa-ke, kusenokwenzeka ukuthola ukunakekelwa kwezempilo nemithi ngezinga elehlisiwe ngaphandle komshwalense wezempilo. Nazi izinsiza zokuthola usizo oludingayo.
OKUSHIWO: Okufanele ukwenze lapho ulahlekelwe umshwalense wezempilo
Ukuthola ukunakekelwa kwezempilo ngaphandle komshwalense
Ngenhlanhla, ukungabi nomshuwalense wezempilo akusho ukuthi awukwazi ukuthola ukunakekelwa kwezempilo. Ngaphansi kwe- Ukwelashwa Okuphuthumayo Kwezokwelapha kanye noMthetho Wezabasebenzi Osebenzayo , cishe zonke izibhedlela kufanele zinakekele iziguli ezidinga ukwelashwa okuphuthumayo kungakhathaliseki isimo sazo somshuwalense. Kodwa kuthiwani uma kungesona isimo esiphuthumayo? Ezinye izikhungo zokunakekela eziphuthumayo kanye nemitholampilo yokuhambahamba banelungelo lokwenqaba iziguli emisebenzini engeyona ephuthumayo uma bengakwazi ukuyikhokhela. Kodwa-ke, kubaluleke kakhulu ukubeka phambili impilo yakho ngaphezu kwesikhwama sakho semali. Kunezindlela eziningi zokuthola izikhungo zezempilo ezingabizi kakhulu noma zamahhala nokuthola imigomo nemithi yokwelashwa ehlisiwe (noma ngisho yamahhala).
OKUSHIWO:
- Ungabona kanjani udokotela ngaphandle komshwalense
- Ukunakekelwa okuphuthumayo vs. igumbi eliphuthumayo
- Ungawuthola kanjani umkhuhlane owehlisiwe noma wamahhala
- Yimiphi imigomo engingathola izaphulelo kuyo?
Izindleko zokunakekelwa kwezempilo (nokuthi ungonga kanjani ngaphandle komshwalense)
Ngokutholakala noma ngaphandle komshuwalense wezempilo, ukunakekelwa kwezempilo kunomphumela we-snowball obizayo. Ukuvakashelwa kokuqala nomhlinzeki wezokunakekelwa kwempilo kungabiza u- $ 70- $ 250. Ngemuva kwalokho, unezivivinyo zokuxilonga ezingasuka ku- $ 15 zokuhlolwa kwegazi kuye ku- $ 480 ye-ultrasound. Uma unokulimala okuncane kuya kokulingene noma ukugula, ungahle uye emtholampilo wokunakekela ophuthumayo. Lokho kuzobiza isiguli esingaqinisekisiwe $ 100- $ 200. Ukuvakashelwa kwamagumbi okuphuthumayo kungaholela ekukhokhweni kwesibhedlela okungama- $ 3,000 noma ngaphezulu.
Lezi zintengo akufanele zesabise noma ngubani ukuthi afune ukunakekelwa, noma kunjalo. Kunezindlela zokuthola ukubuyiselwa kwemali, izaphulelo, noma izinsizakalo zezempilo zamahhala. Udinga nje ukwazi izinketho ongazithola. Sebenzisa izinsizakusebenza ezingezansi ukuthola usizo ngezindleko zokunakekelwa kwempilo.
OKUSHIWO:
- Izibalo zezikweletu zezokwelapha
- Siza ngezikweletu zezokwelapha
- Izindleko zezempilo ongazifuna ekubuyiseleni kwakho intela
- Ungakuthola kanjani okokuhlinzeka kwamahhala ngesifo sikashukela
Yonga emithini
Uthi bewazi, imiyalelo yakho ingaba eshibhile ngaphandle komshwalense ? Cishe ikota ( 2. 3% ) yemithi ibiza kakhulu ngomshwalense kunaleyo ngaphandle kwayo. Ngaphezu kwalokho, kunezindlela eziningi zokuthola intengo ephansi kakhulu ngaphandle komshuwalense, kufaka phakathi izinhlelo zokonga ekhemisi, amakhuphoni wabakhiqizi, namakhadi esaphulelo kadokotela. Phequlula izinkombandlela ezilandelayo ukuthola izindlela ezintsha zokonga kumuthi — awukho umshwalense odingekayo.
OKUSHIWO:
- Ngingayonga kanjani imithi yami?
- Ngingakwazi ukusebenzisa ikhadi lokonga kadokotela ngemithi engathengiswa ekhawunteni?
- Ungayithola kanjani inzalo ngaphandle komshwalense
- Ungayisindisa kanjani imiyalo yama-Walgreens
- Ungonga kanjani kwimiyalo yeWalmart
Ukuthola uhlelo lomshuwalense wezempilo olungabizi
Yize kunezindlela zokonga ngaphandle komshwalense, ukuthola ukufinyelela ekunakekelweni kwezempilo kungaba lula kakhulu nge ukumbozwa. I-Medicaid ne-CHIP yizinhlelo zezempilo ezingabizi kakhulu esikhwameni sikahulumeni wase-U.S. kanye nakuhulumeni wesifundazwe zombili. I-Medicaid isuselwa kumholo. Izinga lemali engenayo lokufanelekela iMedicaid liyahlukahluka kuye ngesifundazwe. Uma imali yakho engenayo iphezulu kakhulu nge-Medicaid, usengakwazi ukumboza izingane zakho nge-CHIP. Abesifazane abakhulelwe bangambozwa yi-CHIP kwezinye izifundazwe. Futhi, khumbula ukuthi yize ama-premiums noma ama-deductibles angabonakala ephezulu ezinhlelweni zemakethe, zisengakongela imali ngokuhamba kwesikhathi uma uqhathanisa i-copay yakho nezinsizakalo zezempilo ngaphandle komshwalense.
OKUSHIWO: Ungawuthola kanjani umshuwalense wezempilo
Izinsizakusebenza
Nazi ezinye izinsizakusebenza zokusheshisa ukunakekelwa kwezempilo okungabizi:
