Ngaba akukho inshurensi yezempilo? Zama ezi zixhobo ze2020
InkampaniNgo-2018, 9% Abantu baseMelika babengaqinisekiswanga. Kwiminyaka emibini kunye nobhubhane kamva, izigidi zamabango okungaqeshwa azalisa idesika yeSebe lezabaSebenzi. Kuba phantse isiqingatha sabantu baseMelika babenesicwangciso sezempilo esixhaswe ngumqeshi, sinokulindela ukuba inani lezigulana ezingaqinisekiswanga zikhule.
Nangona amanye amazwe esayinyanzelisa, akusekho isohlwayo serhafu ngurhulumente womanyano ngokungabinayo i-inshurensi yezempilo. Kodwa umngcipheko wokungabinayo i-inshurensi yezempilo ukhulu kakhulu kunezoqoqosho. Ibeka impilo yakho emngciphekweni, nayo. Ngo-2019, 1 kwiintsapho ezi-3 eUnited States balufumana unyango ngenxa yeendleko. Unyango kunye nokubambelela kunyango kubalulekile ekunyangeni isigulo ngaphambi kokuba sibe sisifo esinganyangekiyo, esisiso Isizathu sokufa kunye nokukhubazeka eMelika
Ke wenza ntoni ukuba awunayo i-inshurensi yezempilo? Okokuqala, kuya kufuneka uthathele ingqalelo ukhetho lwempilo lwexeshana elifutshane kunye neenkqubo ezinengeniso ephantsi njengeMedicaid okanye iNkqubo ye-Inshurensi yezeMpilo yaBantwana (CHIP). Nangona kunjalo, kusenokwenzeka ukufumana ukhathalelo lwempilo kunye namayeza ngezinga lesaphulelo ngaphandle kweinshurensi yezempilo. Nazi izixhobo zokufumana uncedo oludingayo.
Ezinxulumene: Kufuneka wenze ntoni xa ulahlekelwe yinshurensi yezempilo
Ukufumana ukhathalelo lwempilo ngaphandle kweinshurensi
Ngethamsanqa, ukungabinayo i-inshurensi yezempilo akuthethi ukuba awunakufumana ukhathalelo lwempilo. Ngaphantsi kwe- Unyango oluNgxamisekileyo loNyango kunye noMthetho oSebenzayo waBasebenzi , phantse zonke izibhedlele kufuneka zinike inkathalo kwizigulana ezifuna unyango olungxamisekileyo nokuba zithini i-inshurensi. Kodwa kuthekani ukuba akuyongxamiseko? Amanye amaziko okhathalelo olungxamisekileyo kunye neeklinikhi zokuhamba-hamba zinelungelo lokujika izigulana ziye kwiinkonzo ezingezizo ezingxamisekileyo ukuba abanakho ukuhlawula. Nangona kunjalo, kubaluleke kakhulu ukubeka phambili impilo yakho ngaphezu kwesipaji sakho. Zininzi iindlela zokufumana amaziko empilo anexabiso eliphantsi okanye asimahla kwaye ufumane isaphulelo (okanye simahla) ugonyo kunye namayeza.
Ezinxulumene:
- Umbona njani ugqirha ngaphandle kweinshurensi
- Unonophelo olungxamisekileyo vs.
- Ungayifumana njani into enesaphulelo okanye yasimahla yomkhuhlane
- Zeziphi izitofu endinokufumana kuzo izaphulelo?
Iindleko zonyango (kunye nendlela yokonga ngaphandle kweinshurensi)
Ngaphandle okanye ngaphandle kwe-inshurensi yezempilo, ukhathalelo lwempilo lunefuthe elibizayo lebhola ekhephu. Ukutyelela kokuqala kunye nomboneleli wezempilo kunokubiza i- $ 70- $ 250. Emva koko, unemvavanyo yokuqonda isifo enokuthi isuke kwi- $ 15 yovavanyo lwegazi ukuya kwi- $ 480 ye-ultrasound. Ukuba wenzakele kancinci okanye ukumodareyitha okanye unokugula, unokuya kwiklinikhi yokhathalelo olungxamisekileyo. Oko kuyakubiza isigulana esingakhuselwanga $ 100- $ 200. Ukutyelelwa kwigumbi likaxakeka kunokubangela isibhedlele esibizayo se- $ 3,000 okanye nangaphezulu.
La maxabiso akufuneki othuse nabani na ngaphandle kokufuna ukhathalelo, nangona. Kukho iindlela zokufumana imbuyekezo, izaphulelo, okanye iinkonzo zempilo simahla. Kufuneka wazi nje iindlela onokukhetha kuzo. Sebenzisa ezi zixhobo zingezantsi ukufumana uncedo ngeendleko zokhathalelo lwempilo.
Ezinxulumene:
- Iinkcukacha manani zamatyala ezonyango
- Nceda ngeemali zonyango
- Iindleko zezempilo onokuzifaka kwibango lakho lerhafu
- Ungazifumana njani izinto zasimahla zeswekile
Ukugcina amayeza
Ubusazi, Imigqaliselo yakho inokungabizi kakhulu ngaphandle kwe-inshurensi ? Phantse ikota ( 2. 3% ) yemigqaliselo ibiza ngaphezulu nge-inshurensi kunokuba ingenayo. Ukongeza, zininzi iindlela zokufumana amaxabiso asezantsi ngaphandle kwe-inshurensi, kubandakanya neenkqubo zokonga ikhemesti, amakhuphoni abavelisi, kunye namakhadi ezaphulelo. Khangela ezi zikhokelo zilandelayo ukuze ufumane iindlela ezintsha zokonga amayeza — akukho inshurensi iyimfuneko.
Ezinxulumene:
- Ndingayigcina njani iyeza lam?
- Ndingayisebenzisa ikhadi lokugcina amayeza amayeza amayeza?
- Ulufumana njani ulawulo lokuzalwa ngaphandle kweinshurensi
- Uyigcina njani imigqaliselo yeWalgreens
- Ungayigcina njani imigqaliselo yeWalmart
Ukufumana isicwangciso seinshurensi yezempilo efikelelekayo
Nangona zikho iindlela zokonga ngaphandle kwe-inshurensi, ukufikelela kukhathalelo lwempilo kunokuba lula kakhulu nge ukugubungela. Medicaid kunye ne-CHIP zezona zicwangciso zifikelelekayo zezempilo kwiFederal US kunye noorhulumente baseburhulumenteni baxhasa zombini. I-Medicaid isekwe kwingeniso. Inqanaba lomvuzo lokufumana iMedicaid liyahluka ukusuka kurhulumente ukuya kurhulumente. Ukuba ingeniso yakho iphezulu kakhulu kwiMedicaid, usenokugubungela abantwana bakho nge-CHIP. Abafazi abakhulelweyo banokugutyungelwa yi-CHIP kwamanye amazwe. Kwakhona, gcinani engqondweni ukuba nangona iipremiyamu okanye ezitsalwayo zinokubonakala ngathi ziphezulu kwizicwangciso zentengiso, banokukugcinela imali ekuhambeni kwexesha xa uthelekisa ikopi yakho kunye neenkonzo zezempilo ngaphandle kweinshurensi.
ZIQHELEKILEYO: Uyifumana njani i-inshurensi yezempilo
Izixhobo
Nazi izibonelelo ezongezelelweyo zokukhawulezisa ukhathalelo lwempilo olufikelelekayo:
