Zinthu Anthu Odwala Khansa Ayenera Kudziwa Za Inshuwalansi Zaumoyo

Kwa munthu amene sali inshuwalansi, amagwiritsanso ntchito inshuwalansi yaumoyo. Thandizani kuti muzindikire matenda aakulu monga khansara mu kusakaniza ndipo chisokonezo chingasokoneze mosavuta. Uthenga Wabwino ndikuti, ndizofunikira ndi nzeru, siziyenera kukhala.

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Kodi Ndi Mtundu Wotani umene uli nawo ndipo umaphimba chiyani?

Kodi mukudziwa mtundu wanji wa mapulani a inshuwalansi omwe muli nawo? Kodi ndi HMO, PPO, kapena POS? Kudziwa mtundu wa ndondomeko yomwe muli nayo ndipo zomwe zimaphatikizapo ndi chimodzi mwa zinthu zofunika kwambiri kuti mudziwe ngati mwapezeka kuti muli ndi matenda aakulu, ngati khansa. Kudziwa za inshuwalansi ya umoyo wanu ndi gawo loyamba kukhala wodwala wodalirika, wothandizidwa. Kumvetsetsa ndondomeko za chisamaliro zowonongeka monga ma HMO ndi PPOs, omwe Ambiri ambiri ali nawo, ndilo gawo loyamba lodziŵa tsatanetsatane wa ndondomeko yanu. Kodi pali kusiyana kotani pakati pa HMO ndi PPO?

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Pali Thandizo kwa Osalimbikitsidwa

Khansara samasankha - imakhudza osatetezedwa nthawi zonse monga inshuwalansi. Mwamwayi, chikhalidwe chathu cha inshuwalansi chimatipatsa mankhwala omwe timalandira. Popanda inshuwalansi, izi zikutanthauza kuti palibe mankhwala. Ngati muli ndi khansa ndipo mulibe inshuwalansi, pali chiyembekezo.

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Zimene Mungachite Ngati Inshuwalansi Yanu Sichikuphimba Mayeso kapena Ndondomeko

Ngati mwauzidwa kuti inshuwalansi yanu siidzayesa mayesero kapena ndondomeko inayake, dikirani musanalowetse dzanja lanu m'thumba lanu. Kuchokera m'thumba la mayeso ndi njira zingakhale zodula. Anthu ambiri sazindikira kuti pali zinthu zambiri zimene mungachite ngati njira ina yolipira mthumba. Izi ndi zomwe mungachite ngati inshuwalansi yanu isadzayese mayeso kapena ndondomeko yoyenera.

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Bwanji Ngati Mlandu Wanu Ukutaya?

Kupeza kuti inshuwalansi yanu yaletsedwa ikhoza kukhala yopweteka kwambiri komanso yosokoneza ndalama. Timayesetsa kukhala ndi chiyembekezo ndi chidaliro chachikulu kwa ogulitsa inshuwalansi yathu, ndipo ngati zonena zathu zatsutsidwa, kuphako kungathe kuwononga mgwirizano wothandizira wodwala. Uthenga wabwino ndi wakuti kukana sikumakhala "kotsiriza-zonse," -nthu "- mukhoza kumenyana ndi chisankho. Mudzadabwa kuti ndizingati zotsutsa. Dziwani choti muchite ngati chithandizo cha inshuwalansi chaumoyo chikuletsedwa.

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The Affordable Care Act Anachotseratu 'Chikhalidwe Chakuyamba Chakuchitika'

Ngakhale mutatsutsana ndi "Obamacare," mungathe kusangalala kuti idathetsa chisokonezo kwa anthu omwe ali ndi matenda omwe alipo kale monga khansara. Makampani a inshuwalansi ku United States sangakane kulengeza kapena kupatsa malipiro owonjezereka pa anthu omwe analipo kale kuposa chaka cha 2014.

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Kodi Inshuwalansi ya Thandizo Labwino Ndi Yoyenera Kwa Inu?

Kutsatsa kwa inshuwalansi yowonjezereka kumatipangitsa ife kuganiza kuti ndi lingaliro labwino. Ndondomeko yomwe ikhoza kulipilira ntchito ndi mankhwala omwe ndondomeko yanga yapamwamba sidzaphimba? Zikumveka zabwino kwambiri kuti zikhale zoona ndipo kwa anthu ena izo ziri. Kodi inshuwalansi yathanzi yowonjezerapo ili yeniyeni kwa inu?

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Dziwani za Kusintha kwa Inshuwalansi ya Umoyo wa Boma

Madzi otsika kwambiri anali magulu a anthu omwe sankakhoza kupeza inshuwalansi yokwanira, yotsika mtengo chifukwa cha zinthu zomwe zinalipo kale. Pogwiritsidwa ntchito mokwanira kwa Care Affordable Care Act mchaka cha 2014, mabwatowa amalowetsedwa ndi kusinthanitsa kwa inshuwalansi ngati chisankho sichiloledwa kuti chikhalepo kale.

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Mmene Mungapewere Zolakwa pa Kufotokozera kwa Mapindu Anu

Nthawi zonse zimakhala zolimbikitsa kudziwa kuti kampani yanu ya inshuwalansi yakhala ikulipiritsa. Nthawi zina timakhala okondwa kwambiri moti timaponyera ndondomeko ya Mafotokozedwe Opindulitsa mu zinyalala. Ganizilani zonse zomwe mukufunikira kuti mudziwe ndizoti pempho linaperekedwa? Ganizirani kachiwiri. Mungathe kulanda madalitso anu chifukwa cha zolakwa mu kulipira komwe kunalipidwa.

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Ndondomeko za Boma Zingakuthandizeni Kuteteza Ndalama Pamagwiritsidwe Ntchito Mankhwala Ovomerezeka

Kodi mukudziwa kuti pali mapulogalamu a boma omwe angathe kukuthandizani kulipira mankhwala anu, ngakhale muli ndi dongosolo la mankhwala? Ngati mankhwala anu sakupezeka pa formulary kapena mwafika pa kapu yanu pachaka, musataye mtima. Pali mapulogalamu omwe angakuthandizeni.

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Kodi Kusintha kwa Ntchito Yopanda Thandizo Kumakhudza Bwanji Inu?

Ngati muli ndi khansara kapena ndinu opulumuka, mukudziwa momwe kulili kofunikira kwambiri, chithandizo chamankhwala abwino. Chimodzi mwa zifukwa zomwe zinasinthira chisamaliro chaumoyo ndikuti anthu ambiri amatsutsidwa chifukwa chokhalapo kale kapena kuti inshuwalansi ikhale yodabwitsa. Kusintha kwa chithandizo chamankhwala kumakhudza ife tonse ndipo ngati muli ndi khansa, zimakukhudzani kwambiri. Muyenera kukhala odziwa monga ndale omwe akukonzekera kapena kubwezera mbali zina za Care Affordable Care Act.

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