Izinsizakalo zezempilo ezi-5 okufanele uzenze ngemuva kokuhlangabezana nokudonswa kwemali yakho

Imfundo Yezempilo

Uma unomshuwalense wezempilo, mhlawumbe unomshuwalense wezempilo odonswayo, futhi. Lokho kusho ukuthi uze ufinyelele inani elithile ledola ekusetshenzisweni kwezokunakekelwa kwempilo kungakapheli unyaka onikeziwe, usesikhundleni sokuthola imali konke izindleko zakho zezokwelapha ngaphezulu nangaphezulu kweprimiyamu yakho yenyanga (ngaphandle kwezinye izinsizakalo zokuvimbela ukuthi abomshwalense badingwa ngumthetho ukumboza). Ngokuya ngohlelo lwakho, inani liyahlukahluka: Lingaba liphansi njengo- $ 50, noma inombolo ebalulekile. Ngokusho kwe- Izinhlelo ze-International Foundation of Employee Benefits Plans , umndeni odonswayo omaphakathi wabantu ababhalise ezinhlelweni ezixhaswe umqashi usondele ku- $ 2,000. Futhi yilokho kuphela isilinganiso -23% anezimali ezikhishwayo ezingama- $ 5,000 noma ngaphezulu. Kuphela yi-7% kuphela engadonswa nhlobo.

Ngasohlangothini oluqhakazile, uma uhlangana nokudonswa kwemali yakho ungakwazi ukunakekela zonke lezo zinto ezikhathazayo ngempilo ngaphandle kokukhathazeka ngokuthi uzokukhokhela kanjani okunye ukuvakashelwa udokotela, omunye umuthi kadokotela, noma enye i-X-ray.

Ngihlangane ne-deductible yami, manje kwenzenjani?

Eqinisweni, manje yisikhathi sokubeka phambili ukunakekelwa kwezokwelapha obukade ukuhlehlisa. Ngaphandle kwalokho, uzoqala phansi futhi ngedeductible yakho eza ngoJanuwari. Awuqinisekile ukuthi uzoqala kuphi? Sihlanganise uhlu lwezinto ezinhlanu ongazisebenzisela umshwalense wakho wezempilo ngemuva kokuthi kudonswe imali yakho.

1. Bheka owelapha ngokomzimba.

Ukulimala kwezemidlalo, i-carpal tunnel syndrome, i-tendonitis. Lezi yizimo ezimbalwa nje kweziningi lapho ukwelashwa ngokomzimba (PT) kungasiza. Kepha izindleko zingangeza ngempela, kusho U-Katy Votava, Ph.D. , umongameli nomsunguli weGoodcare.com, inkampani yokubonisana esiza abathengi ukuzulazula ezicini zezezimali zokutholakala kwabo kwezokunakekelwa kwempilo. Ngenxa yezindleko eziphezulu ze-PT, uthi abantu abaningi bakunciphisa ukuvakashelwa kwabo noma bakugweme ngokuphelele. Uma ucabanga ukuthi uhlelo lwakho lomshuwalense lumboza ukwelashwa ngokomzimba, ama-aphoyintimenti akho kufanele abize kakhulu uma imali yakho edonswayo ihlangatsheziwe-mhlawumbe u- $ 0; mhlawumbe ukhokhe ngokubambisana, kodwa noma iyiphi indlela okuningi kulula kumugqa wakho ongezansi.

ezimbili. Gcwalisa imiyalo yakho.

Amabhodlela akho emithi awadingi ukungabi nalutho ngokuphelele ukuze ufanelekele ukugcwaliswa futhi. Uma wehla noma ufanelekile uku-oda okuningi, londoloza manje. Ngincoma ukuthi abantu babhekisise imishanguzo kadokotela bese beyigcwalisa ... ngoba usuvele uhlangabezane nemali yakho engadonselwa imali, futhi kungaba yihlazo ukuba ngoDisemba noma ngoNovemba uphinde usebenzise ithuba lokugcwalisa okuthile, kusho uVotava.

OKUSHIWO: Qala ukonga kwimiyalo yakho nge-SingleCare

3. Faka esikhundleni noma ubuyekeze imishini yakho yezokwelapha.

Imishini ye-CPAP ayihlali unomphela. Futhi azishibhile — ngokusho kwe-American Sleep Association, izindleko ezijwayelekile ze-CPAP ngu- $ 850. Uzobe wenza ibhajethi yakho umusa omkhulu ngokuthola entsha manje kunangemva kokusetha kabusha okukhokhelwayo ekuqaleni kuka-2020, kusho uVotava. Okufanayo kuya kweminye imishini yezokwelapha, njengama-brace braces, ama-monitor we-ushukela wegazi, amaphampu wokumnika, njll.

Isine. Bhekana nalezi zinkinga zesikhumba ezinobungozi.

Kulungile, okokuqala, uma unendawo ephathelene nesikhumba sakho noma udinga ukususwa kwemvukuzane / i-biopsy, ungalindi ukubona udokotela wakho-lokhu kufanele ubhekane nakho ngokushesha kungakhathalekile ukuthi udonswa yini. Kodwa-ke, uma unesilonda sesikhumba esingenabungozi kodwa esicasulayo, njenge-seborrheic keratosis, insumpa, noma ithegi yesikhumba, i-post-deductible yisikhathi esihle sokuyikhipha ehhovisi le-dermatologist yakho.

5. Yenza i-aphoyintimenti nochwepheshe.

Mhlawumbe udokotela wakho wokunakekelwa okuyisisekelo ukudlulisele kudokotela wenhliziyo, i-gastroenterologist, noma udokotela ohlinzayo wamathambo ukusiza ukuxazulula izingqinamba ezithile eziphikelelayo (yize zingezona eziphuthumayo), kepha ubulokhu ukuyeka ngenxa yokwesaba izindleko eziphuma ephaketheni . Esikhundleni sokuqhubeka nokukuhlehlisa, bheka leyo ngcweti manje ukuze okungenani uqalise kunoma yikuphi ukuhlolwa kokuxilongwa noma ukwelashwa ngaphambi kokuphela konyaka (izithombe namalebhu kuzofakwa kulokhu, futhi). Noma yiluphi uhlobo lokuhlola osuvele ucabanga ukukwenza olubonakala ludingeka kwezokwelapha, kufanele uqhubeke uhlele, kusho uVotava. I-caveat eyodwa? Kungaba nzima ukuthola i-aphoyintimenti nomhlinzeki omusha ngaphambi kuka-Eva Wonyaka Omusha, ngakho-ke ungalibali, uyanezela.