Opaleshoni yambiri ikukonzekera pasadakhale, nthawi yambiri yodziwitsa kampani yanu ya inshuwaransi, kusankha dokotala wa opaleshoni, nthawi yochuluka yochoka kuntchito ndi kukonzekera njirayi ndikutsitsimutsa zotsatirazi. Ngati mukuyenda ndikusowa opaleshoni, mwayi ndikuti njira yanu siidakonzedwenso pasadakhale, ndipo ingakhale yowopsa .
Ngati mukukumana ndi opaleshoni mosayembekezereka mukakayenda m'dziko lanu kapena kunja, pali zinthu zambiri zomwe muyenera kuchita kuti mukhale ndi mwayi wabwino, wathanzi komanso thumba lanu.
Kungakhale chinthu chowopsya kukhala ndi mavuto azachipatala mukakhala kunja kwa malo anu otonthoza, koma opaleshoni yanu ikhoza kukhala yopambana kuchoka kwanu.
Kusankha Malo
Kuti mukhale ndi thanzi labwino, kusankha malo kungakhale kosayenera. Mutha kutengedwera ku malo apafupi omwe angathe kuchiza matenda anu. Ngati mkhalidwe wanu suli wofulumira, mungapatsidwe mwayi wosankha malo. Kungakhale kwanzeru kusankha kusamalira malo omwe ali ndi mbiri yabwino mwa chisamaliro chomwe mukufunikira, komanso kufunafuna malo omwe amalimbikitsa inshuwalansi yanu. Zingatheke kupeza chipatala chomwe chikukwaniritsidwa mwa kuchita njira zomwe mukusowa zomwezo ndi "pa intaneti" ya inshuwalansi yanu. Muzochitika izi, thanzi lanu liyenera kukhala loyambirira, makamaka pamene nthawi yayitali, osati ndalama zanu.
Inshuwalansi Zovuta
Inshuwalansi ikutha mosiyanasiyana kuchokera ku kampani kupita ku kampani komanso ngakhale pakati pa ndondomeko. Kupeza kwanu payekha kudzakuthandizani kupeza chithandizo chamankhwala chomwe mungachiyembekezere kuchokera ku inshuwaransi yanu, ndipo ngati mukutsatira ndondomeko yanu kapena ayi.
Mwachitsanzo, opaleshoni yomwe imachitika kudera lina ikhoza kugwa pansi pamtundu wa "kunja kwa makina", womwe uli pamunsi wotsika kusiyana ndi "pa intaneti."
Inshuwalansi ya zaumoyo Padziko Lapansi
Inshuwaransi yathanzi sizingathe kulipira ndalama zonse zothandizira zaumoyo zomwe zimachokera kunja kwa dziko. Makampani ena angapereke ndalama zambiri. Mwachitsanzo, Medicare ikhoza kulipira dialysis mwadzidzidzi mutatuluka kunja kwa dziko, koma ndalama zambiri sizikuphimbidwa.
Makampani ambiri a inshuwalansi sangathe kulipira kubwezeretsa kuchipatala, ndilo mawu oti abwerere kudziko lakwanu kuti athandizidwe. Kubwereranso kumachitika ndi ndege yapadera yomwe imagwiritsidwa ntchito monga ambulansi yachipatala yomwe ili yoyenera kuchipatala ndipo ndi yokwera mtengo, modula madola masauzande pa tsiku.
Anthu omwe amapita kunja kwa dziko lawo akulimbikitsidwa kugula inshuwalansi yaulendo, zomwe zimasiyana ndi kufotokoza motsatira ndondomeko yogula. Ena amatenga chithandizo chamankhwala mwamsanga ndi kubwezeretsa, pamene ena amapereka gawo la chithandizo chamankhwala. Ndondomekozi ndizosawonongeka poyerekeza ndi ndalama zonse za ulendo wopita kunja kwa dziko ndipo zitha kukhala zowonjezera moyo ngati chipatala chapamwamba chimafunika koma sichitha kupezeka pomwepo.
Pano pali mndandanda wa zinthu zomwe inu, kapena banja lanu, muyenera kukumbukira pamene opaleshoni mosayembekezereka ndi yosakonzekera amakhala weniweni pamene mukuyenda:
- Lumikizanani ndi a Embassy a ku United States (kapena ambassy yanu ngati simuli ochokera ku United States) ndipo funsani chithandizo chawo posankha chipatala ngati mukuvutika kupeza chipatala choyenera.
- Itanani kampani yanu ya inshuwalansi ya umoyo ndikuwauza zomwe zikuchitika. Makampani ena amalepheretsa kufalitsa ngati sakudziwitsidwa mwamsanga.
- Itanani malo anu antchito ndikuwauza za kusintha kwa mapulani anu ndi kusintha komwe mungathe pobwerera tsiku la ntchito.
- Pezani zolemba zachipatala kuchokera kunyumba mofulumira ngati zili ndi mfundo zomwe zingakuthandizeni kuchiza matenda anu.
- Ngati muli ndi inshuwalansi yaulendo, pangani kampani ya inshuwalansi kudziwa kuti mukufunikira kugwiritsa ntchito chithunzi chanu.
- Malo omwe mumagwiritsa ntchito angapereke omasulira kuti awathandize. Ngati chipatalachi chimapereka chisamaliro m'chinenero chomwe simukudziwa bwino, onetsetsani kuti mufunse za kumasuliridwa.
> Chitsime:
> Medicare Yanu-Travel. http://www.medicare.gov/coverage/travel-need-health-care-outside-us.html