Izixhobo zokufumana uMyinge wezeMpilo yengqondo
Iinkonzo zempilo yengqondo zinokubaluleka, nokuba ngaba yingxaki yesikhashana okanye imeko engapheliyo. Ukuba awunayo i-inshorensi yempilo yengqondo, iindleko ezingaphandle kwendleko zingenza ukuba unakekele unyango, okanye usebenzise iinkonzo ezimbalwa ukugcina imali. Ukuba unayo i-inshorensi yempilo yengqondo, umthwalo wokuhlawula isabelo sakho seendleko unokongeza uxinzelelo ngexesha lokuxinzelela ixesha.
Ngokumalunga nendlela yokufumanisa ukukhathazeka kwempilo yengqondo onokungazi ukuba unayo, nantsi ezinye izixhobo zokufumana i-inshorensi yempilo yengqondo ukuba ungenayo, kunye neengcebiso zokufumana uninzi lwe-inshorensi yempilo xa usenza.
IiNkqubo zoNcedo zabasebenzi
Umqeshi wakho unokubonelela ngenzuzo yezempilo yengqondo kwiNkqubo yoNcedo lwaBasebenzi. Iintlawulo ze-EAP zihlawulelwa ngumqeshi wakho, ukufumana izibonelelo kunakho konke ukukhululeka, kunye neengxaki ofuna uncedo kwaye akufuneki ukuba zihlobene nomsebenzi. Nangona ii-EAP zingenakulungiselela ukubonelela unyango lwangexesha elide, ingcali yengqondo yengqondo iza kuhlola iimfuno zakho, iqalise ukungenelela kweengxaki kunye nokunyangwa kwexesha elifutshane, kwaye unikezele ngokuthumela ukuba iinkonzo ze-EAP zanele ukulungisa umba. Hlola iinzuzo zakho zomsebenzi incwadi okanye ubiza ii-benefits zakho kwiofisi ukuba ubone ukuba unayo i-EAP.
Iingcebiso:
- Ukuba ukhathele iingenelo zakho ze-EAP zamahhala kwaye ufuna uncedo oluninzi, cela ukuba umqeshi wakho ulungiselele amaxabiso angaphandle kwe-pocket ngokunyamekela okuqhubekayo kwi-professional carecare mentoring enikezela ngeenkonzo zakho ze-EAP. Ukunamathela kunye neengcali zokunakekelwa kwempilo yengqondo kuya kukulondoloza ixesha elifunekayo lokwakha ulwalamano nomntu omtsha. Uya kulondoloza kwakhona indleko yolu vavanyo lokuqala.
- Izibonelelo zakho ze-EAP zamahhala zivuselelwa ngonyaka ngamnye. Ukuba ukhathele zonke iinzuzo zakho zamahhala kulo nyaka, khangela umboneleli wakho we-EAP ekuqaleni konyaka ozayo. Unokufumana ukuba unelungelo lokufumana iintlawulo zamahhala kwakhona.
IiNzuzo zezeMpilo zoBomi kwiNtshurensi yezeMpilo yeQela ekhoyo
Nangona i-inshorensi yakho yezempilo engabalulekanga ngokucacileyo ukunakekelwa kwezempilo yengqondo kwisishwankathelo sophawu, isenokuhlala isinika i-inshorensi yempilo yengqondo kwicandelo lempilo yokuziphatha yeenzuzo zephakheji.
Hlola indawo yezempilo yokuziphatha yenkcazo yezopolitiko ngokubhekiselele kwiinkcukacha zonyango malunga neengqondo zengqondo.
Iingcebiso:
- Ukuba umqeshi wakho unika ukhetho lwezicwangciso ze-inshorensi, jonga ukukhutshwa kwempilo yengqondo kwindlela nganye ngokunyamekela ngexesha lokubhalisa okuvulekileyo. Isicwangciso esixabisa ngakumbi esibonelela ngempilo yengqondo, ekugqibeleni singakusindisa imali kwisicwangciso esiphantsi kweendleko ezingenamsebenzi wezempilo.
- Ukuba umqeshi wakho akaniki i-inshorensi yempilo yengqondo, khangela ukuba inikezela nge-akhawunti ye-Flexible Spending Account. I-FSA ikuvumela ukuba ubeke eceleni kwerhafu engaphambili yentlawulo ukuhlawula iindleko ezifumanekayo ezingaphandle kwee-pocket ezifana ne-psychotherapy, ukutyelela i-psychiatry, kunye neyeza zamachiza. Oku akunciphisi iindleko zonyango ngokwawo, kodwa uya kusindisa ngokungakhokheli irhafu yengeniso kwimali yeFSA oyisebenzisayo ukuhlawula ukunyamekela.
Ukuthengwa kweNtsholongwane yezeNtsholongwane yengqondo
I-inshorensi yempilo yengqondo ngokubanzi ithengwa kwisakhelo somgaqo-nkqubo we-inshorensi yempilo yonyango. Unokubheka utshintsho lwempilo yakho yomshuwalense wezempilo kwisicwangciso se-Obamacare, okanye se benzisa esi sixhobo ukufumanisa imigaqo-nkqubo eyayikhoyo kwingingqi yakho enganikiweyo ngokutshintshiselana. Zonke iinshurensi zempilo yomshuwalense ezithengiweyo emva kukaJanuwari 1, 2014 ngokutshintshiswana okugunyazwe nguMthetho woNonophelo ongenakunyanzeliswayo kufuneka ukuba unikezele ngempilo yengqondo.
Icebiso:
- Ukuba ingeniso yakho imodareyitha, unakho ukufumana uncedo lokuhlawula iipresimenti zakho zenyanga zentsholongwane yempilo xa ukhetha isicwangciso sezempilo kwi-Care Affordable Act yakho.
Icebiso:
- Ukuba unesicwangciso se-inshorensi yempilo engasigxina iinkonzo zempilo yengqondo, cinga ukutshintsha kwiSicwangciso seMpilo esiPhezulu esiPhezulu esilungiselele iinkonzo zempilo yengqondo. Ukuba inani elichithwe kwiHDHP lingaphantsi kweendleko zakho zangaphandle zeendleko zangoku, ungaphuma. Uninzi lwe-HDHP luya kudibaniswa neAkhawunti Yokulondoloza Impilo, ukuvumela ukuba uhlawule imali enokuhlawula imali.
Uxilongo
Ukuba udibana nemali engenayo kunye nezinye iindlela zokufaneleka, unokufaneleka kwiMedicaid. Iiprogram zeMedicaid zilawulwa yilizwe ngalinye, ngoko iinzuzo zihluka ukusuka kummandla ukuya kwilizwe. Nangona kunjalo, ezinye iincwadi zinika ubuncinane ubuncinane besikhorensi yempilo yengqondo kwinqanaba le-inshorensi yempilo yonyango.
LweMida
Ukuba uneminyaka engama-65 ubudala okanye ngaphezulu, unakho ukufaneleka kwi-Medicare. I-Medicare inikeza inzuzo yezempilo yengqondo ngokunyanga, unyango lwezonyango, kunye ne-Medicare inxenye yeD medication. Ukuba unesiCwangciso seNzuzo ye-Medicare, (Medicare inxalenye C), kuya kufuneka uhlolisise isicwangciso sakho ukufumanisa iinkcukacha zempilo yakho yengqondo.
Icebiso:
- Isicwangciso esincinci se-Medicare Benevantage cwangciso esibizwa ngokuba yiSicwangciso soMfuno eziZodwa sinokukunceda ukuba unemfuno enkulu yokhathalelo lwempilo yengqondo. Ukongezelela ekuboneleleni ngeenkonzo eziphambili ze-Medicare Benevantage, ii-SNP zibonelela ngeenzuzo ezongeziweyo kwiimeko ezithile, kuquka iintlobo ezithile zeemeko zempilo yengqondo. Ngokomzekelo, i-SNP yempilo yengqondo inokukunika iinketho zokwandisa unyango lwempilo yengqondo kunye nokulungelelanisa ngcono unyango lwempilo yakho yengqondo kunye unyango lwakho.
Khu bazeka
Ukuba unesifo esingapheliyo, isifo esingqondweni esingasakwazi ukusebenza, unokufumana izibonelelo zokukhubazeka. Nangona izibonelelo zokukhubazeka azibandakanyi ngokuzenzekelayo i-inshorensi yempilo, emva kokufumana izibonelelo ezikhubazekileyo kwiminyaka emibini ungakwazi ukufumana i-Medicare, kuquka neenzuzo zempilo yengqondo, nangona ungeneminyaka engama-65 ubudala. Ukuba ukhubazekile, unokukwazi ukufumana i-Medicaid, kuquka neenzuzo zempilo yengqondo ezinikezelwa ngesicwangciso sakho seMedicaid. Ukufaka isicelo sokukhubazeka kunokuba yinkqubo ende, eyinkimbinkimbi kwaye inzima, ngoko kufuneka uqikelele kuphela ukuba ingxaki yempilo yakho yengqondo iyonakalise.
Ulawulo lwabaPhathi
Ukuba ukhonza emkhosini, unakho ukufumana izibonelelo zempilo ze-VA, kuquka neenzuzo zempilo yengqondo. I-VA ineenkqubo ezininzi zokunakekelwa kwezempilo yengqondo yabangaphambili bamalungu eNkonzo zeZixhobo.