Ixabiso lokufumana unyango

Ukuqonda iindleko zokuNikelo oluphinda-phinda umhlaza Ixabiso le Ixabiso lokufumana unyango Inkxalabo ephambili kubantu abathile kunye neentsapho ezijongene nokuchongwa kwesifo. Esi sikhokelo sibanzi sibonisa izinto ezahlukeneyo eziphembelela iindleko, zibonelela ngokucaca kunye nezixhobo zokuhamba le mihlaba inzima.

Izinto ezichaphazela iindleko zonyango oluphinda-phinda umhlaza

Ixabiso le Ixabiso lokufumana unyango iguquguquka kakhulu kwaye ixhomekeke kwizinto ezahlukeneyo zokunxibelelana. Ukuqonda ezi zinto kubalulekile ekucwangcisweni kwezemali okusebenzayo.

Uhlobo lonyango

Ukhetho loNyango lokuphinda-phinda umbane Inkqubo nganye ithwala ithegi yexabiso eyahlukileyo. Umzekelo, unyango olujolisileyo olujolisayo, ngelixa lunokuphumelela ngakumbi, ihlala ingena ngeendleko eziphezulu ngomjikelo wonyango. Ngokufanayo, ubungakanani botyando olufunekayo bunokuba nefuthe elikhulu kwiindleko zonke.

Inqanaba lomhlaza

Inqanaba lokufumana umhlaza okhoyo kwimpembelelo kwiindleko zonyango. Amanqanaba aphezulu amaninzi aqhelekileyo afuna unyango olungaphezulu nonyango olude, olukhokelela kwiindleko eziphezulu. Ukufunyanwa kwangaphambili kunye nokungenelela, ngelixa bekungasoloko kunokwenzeka, kunokuba kunciphisa umthwalo wezemali.

Ubude bonyango

Ixesha lonyango yenye into ebuhlungu echaphazela indleko. Olunye unyango lunokwandiswa ngaphezulu kweenyanga ezininzi okanye iminyaka, ukuqokelelelela iindleko ezibalulekileyo ngokuhamba kwexesha. Ukubeka iliso kunye nokulandelwa kokutyunjelwa nokutyunjwa kwakhona nakwiindleko zonke.

Indawo yonyango

Indawo yendawo yeziko lonyango inokuchaphazela kakhulu iindleko. Amaxabiso eenkonzo zonyango anokutshintsha kakhulu phakathi kwamazwe namazwe. Cinga ngodumo kunye nobuchule bendawo ngelixa unzima kwiziphumo zemali ezinxulumene nendawo.

I-Inshurensi yeinshurensi

I-Inshurensi yezeMpilo idlala indima ebalulekileyo ekulawuleni umthwalo wezemali Ixabiso lokufumana unyango. Nangona kunjalo, kwane-inshurensi, iindleko zepokotho zinokubaluleka. Kubalulekile ukuba uphonononge ngononophelo umgaqo-nkqubo wakho weinshurensi yokuqonda imida yakho yokugubungela, i-co-Pays, kunye neendawo zokuhlawula. Ukubonisana nomnikezeli wakho weinshurensi kunye nokuphonononga iinkqubo zoncedo lwezezimali ngamanyathelo abalulekileyo.

Ukuhlola izibonelelo zoncedo lwezezimali

Ukuhamba ngemiceli mngeni yezemali enxulumene nokufumana impatho yomhlaza okuphinda-mvume ephindaphindiweyo. Nangona kunjalo, izibonelelo ezininzi zinokubonelela ngenkxaso ebalulekileyo:

Iinkqubo zoNcedo lweZigulana (i-PAPS)

Uninzi lweenkampani zamayeza zibonelela nge-PAPS ukunceda izigulana zikwazi ukufumana amayeza abo. Ezi nkqubo zibonelela ngoncedo lwezezimali kubantu abafanelekileyo ngokusekwe kwingeniso yabo kunye neinshurensi. Kufanelekile ukukhangela ngomenzi wamayeza akho amiselweyo.

Imibutho eokhokho

Imibutho eyahlukeneyo yokunikezela ngeenzame zabo zokuxhasa abaguli abanomhlaza kunye neentsapho zabo. Le mibutho ihlala inikezela ngoncedo lwezezimali, inkxaso yeemvakalelo, kunye nezinye iinkonzo ezibalulekileyo. Imizekelo ibandakanya uluntu lomhlaza waseMelika kunye ne-leukemia kunye ne-lymphoma. Kukuphonononga izixhobo ezilungiselelwe izixhobo ezilungiselelwe umhlaza wemiphunga.

Iinkqubo zikarhulumente

Iinkqubo zikarhulumente, ezinjengeMedicare kunye neMedicaid, zinokunceda ekuhlawuleni iindleko zempilo zabantu abafanelekileyo. Ukuqonda ukufaneleka kwakho kwezi nkqubo kubalulekile ukuze ulawule iindleko zonyango. Ukongeza, jonga kwiinkqubo ezithile zikarhulumente ezinokubonelela ngoncedo lwezezimali.

Ukufuna isikhokelo sezeMali soBuchule

Ngenxa yobunzima bokulawula iindleko zonyango zokufumana umhlaza wemiphunga wokuphinda-phinda, ukufuna ingcebiso yemali yobuchule kukhetho lobulumko. Umcebisi wezezimali unokukunceda ukuphuhlisa isicwangciso sezemali esibanzi, ukuphonononga iinketho ze-inshurensi, kunye nokuhamba ubunzulu bemali yokuhlawula inyameko. Banokukunceda ukuba uchonge kwaye ufake isicelo seenkqubo zoncedo lwezezimali ezikhoyo.

Ukuqukumbela

Ixabiso le Ixabiso lokufumana unyango inokubaluleka. Nangona kunjalo, ngokucwangciswa ngononophelo, ukuqonda kwezixhobo ezikhoyo, kunye nokuzibandakanya ekusebenziseni nabanikezeli bezempilo kunye nabacebisi bezemali, umthwalo wezezimali unokulawulwa ngakumbi. Khumbula, ukufikelela kulwazi olubanzi kunye nokucwangciswa kwabuqala yeyona nto iphambili kolu hambo. Ngolwazi oluthe kratya okanye ukucwangcisa ukubonisana, unganqwenela ukuhlola izibonelelo ezongezelelweyo kumaziko amathamba omhlaza okanye imibutho efana ne-Shandong Baoood Institute yoPhando loPhando (https: //www.baofitaspital.com/).