Ungalukhetha kanjani uhlelo lwezempilo

Uma kukhulunywa ngokuthola umshuwalense wezempilo, ungahle ube nezinketho ezingaphezu kweyodwa. Abaqashi abaningi banikela ngamasu angaphezu kwelilodwa. Uma uthenga kusuka ku-Health Insurance Marketplace, ungahle ube nezinhlelo eziningi ongakhetha kuzo. Wazi kanjani ukuthi kufanele ukhethe ini? Izinhlelo eziningi zezempilo zinezici ezifanayo.

Lo mhlahlandlela ungakusiza uqonde ukuthi ungaqhathanisa kanjani izinketho zakho, ukuze uthole izinsizakalo ozidingayo ngenani elilingana nebhajethi yakho.

Ngenkathi izinhlelo eziningi zinezici eziningi ezifanayo, kunokwehluka okufanele ukwazi.

Amaphrimiyamu. Le yinani olikhokhela umshwalense wezempilo. Ungayikhokha nyangazonke, ngekota, noma kanye ngonyaka. Kufanele uyikhokhe noma ngabe usebenzisa ziphi izinsiza. Umqashi wakho uzolanda amaprimiyamu akho kumholo wakho. Ungabakhokhela ngqo wena.

Izindleko eziphuma ephaketheni. Lokhu kufaka phakathi ama-copayment (ama-copay), ama-deductibles, kanye nomshuwalense wokubambisana. Lezi izindleko ozikhokhela ephaketheni ngezinsizakalo ezithile. Uhlelo lwakho lwezempilo lukhokhela okusele. Kungadingeka ukhokhe inani elithile ephaketheni ngaphambi kokuthi uhlelo lwakho lwezempilo luqale ukukhokhela izindleko zokunakekelwa kwakho.

Izinzuzo. Lezi yizinsizakalo zezempilo ezihlanganiswe ngohlelo. Ngenxa yokuguqulwa kwezokunakekelwa kwempilo, izinhlelo eziningi manje kumele zihlanganise izinsizakalo eziyisisekelo ezifanayo. Lokhu kufaka ukunakekelwa kokuvikela, ukunakekelwa esibhedlela, ukunakekelwa kwabakhulelwe, ukunakekelwa kwempilo yengqondo, ukuhlolwa kwelebhu, nemithi kadokotela. Ezinye izinsizakalo ezinjenge-chiropractic, amazinyo, noma ukunakekelwa kombono kungenzeka zingagutshuzelwa ngokuphelele. Futhi, amanye amapulani ahlanganisa kuphela imishanguzo ethile kadokotela, noma akhokhise ama-copay ahlukile.

Inethiwekhi yomhlinzeki. Izinhlelo eziningi zinenethiwekhi yomhlinzeki. Laba bahlinzeki banezinkontileka nohlelo. Banikezela ngezinsizakalo ngentengo ebekiwe. Izindleko zakho zokuphuma ephaketheni ziphansi uma usebenzisa abahlinzeki benethiwekhi.

Inkululeko yokuzikhethela. Ezinye izinhlelo zikunikeza inkululeko yokwenza ama-aphoyintimenti nabanye abahlinzeki. Ngezinye izinhlelo, udinga ukuthola ukudluliselwa kudokotela wakho wokunakekela oyinhloko ukuze ubone uchwepheshe. Izinhlelo eziningi zikunikeza nethuba lokusebenzisa abahlinzeki bangaphandle kwenethiwekhi, kepha ngezindleko eziphakeme. Khumbula ukuthi ama-premium nezindleko ezingaphandle kwe-pocket nazo zingaphakama ezinhlelweni ezikuvumela ukuthi ubone abahlinzeki abangaphandle kwenethiwekhi.

Izincwadi. Kwezinye izinhlelo, ungadinga ukufaka izimangalo. Uma une-akhawunti yokonga yezokwelapha yezindleko ezingaphandle kwesikhwama, kungadingeka ukuthi ugcine ithrekhi yebhalansi yakho. Ungadinga futhi ukwenza amanye amaphepha ngenhloso yentela.

Abaqashi nezindawo zikahulumeni, njengeMakethe, banikela ngemininingwane ngohlelo ngalunye. Unganikezwa incwajana eqhathanisa konke ukukhetha kwakho. Ungase futhi ukwazi ukuqhathanisa amapulani online. Lapho ubuyekeza uhlelo ngalunye:

• Hlanganisa izindleko zamaphrimiyamu zonyaka.
• Cabanga ngokuthi zingaki izinsizakalo wena nomndeni wakho eningazisebenzisa ngonyaka. Hlanganisa ukuthi izindleko zakho ezingaphandle kwephakethe zingaba yini zensizakalo ngayinye. Bheka inani eliphakeme kakhulu okufanele ulikhokhele uhlelo ngalunye. Awusoze wafika ezingeni eliphezulu uma usebenzisa amasevisi ambalwa.
• Bheka ukuthi abahlinzeki bakho nezibhedlela bakunethiwekhi yohlelo yini. Uma kungenjalo, bona ukuthi udinga kangakanani ukukhokha ukuze ubone umhlinzeki ongaphandle kwenethiwekhi. Thola nokuthi ngabe udinga ukudluliselwa yini.
• Hlola ukubona ukuthi uzokhokhelwa yini izinsizakalo ezikhethekile ongazidinga, njengokunakekelwa kwamazinyo noma umbono. Qiniseka ukuthi noma imiphi imishanguzo kadokotela imbozwe ngohlelo lwakho.
• Faka i-premium yakho, izindleko zakho zokuphuma ephaketheni, izindleko zemigomo, kanye nanoma yiziphi izindleko ezingeziwe ukuthola isamba sonyaka.
• Bona ukuthi amaphepha kanye nokuzilawula kungakanani okuza nohlelo lwakho. Cabanga ukuthi unesikhathi nentshisekelo engakanani ekuphatheni le misebenzi.
• Thola ukuthi ngabe kukhona izephulelo ezikhethekile ejimini yangakini noma kuhlelo lokunciphisa umzimba, noma ezinye izinhlelo zezempilo ongathanda ukuzisebenzisa.

Ukuzinika isikhathi sokubheka izinketho zakho bese uqhathanisa izindleko kukufanele ngempela ukuqinisekisa ukuthi uthola uhlelo lwezempilo oluvumelana nezidingo zakho kanye nesikhwama semali sakho.

Healthcare.gov iwebhusayithi. Uyemukelwa kumtholi wohlelo. othole.healthcare.gov. Kufinyelelwe ngo-Okthoba 27, 2020.

Healthcare.gov iwebhusayithi. Ungalukhetha kanjani uhlelo lomshuwalense wezempilo: izinto ezi-3 okufanele wazi ngaphambi kokukhetha uhlelo lomshuwalense wezempilo. www.healthcare.gov/choose-a-plan. Kufinyelelwe ngo-Okthoba 27, 2020.

Healthcare.gov iwebhusayithi. Ukuqonda izindleko zomshuwalense wezempilo kwenza izinqumo ezingcono. www.healthcare.gov/blog/understanding-health-care-costs/. Kubuyekezwe uJulayi 28,2016. Kufinyelelwe ngo-Okthoba 27, 2020.

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