Ingane yakho isikhulile manje, akunjalo? Ushintsha kanjani kusukela ekunakekelweni kwezingane kuya ekunakekelweni kwabantu abadala?

Isikhathi siyashesha, akunjalo? Cishe uyakhumbula usuku owayisa ingane yakho kudokotela wezingane okokuqala. Kodwa, izingane zethu azihlali zincane unomphela. Sekuyisikhathi sokuba ingane yakho ishintshele ekunakekelweni kwezempilo kwabantu abadala. Lolu shintsho lungaba nzima kakhulu kuwe nakumntwana wakho. Kodwa ungakhathazeki, uma sobabili silungiselela kahle, lokhu kungaba ushintsho olubushelelezi oluya ebudaleni.

Ufuna ukusiza ingane yakho encane ukuthola udokotela omusha?

Uma izingane zikhula, okungukuthi, lapho zifika eminyakeni emincane, zingase zithole udokotela ophatha abantu abadala. Sizibiza ngokuthi uDokotela Wokunakekelwa Okuyinhloko (PCP) . Ukuze kube sobala, kunezinhlobo eziningana zodokotela:

• Udokotela wezokwelapha zangaphakathi noma udokotela wezifo zangaphakathi - Laba ngabantu abaqeqeshwe ngokukhethekile ekwelapheni izifo zabantu abadala.
• Udokotela wezokwelapha umndeni - Laba odokotela belapha wonke umndeni, kusukela ezinganeni ezincane kuya kubantu abadala. Ngakho-ke uma ingane yakho ingabona udokotela ofanayo kusukela isencane, lokho kuhle.
• Udokotela Ojwayelekile (GP) - Laba bantu belapha izifo eziningi ezivamile.

Ezweni lakithi, odokotela bezingane bavame ukwelapha izinsana nezingane kuphela kuze kube sekupheleni kobusha. Kodwa-ke, lo mkhawulo weminyaka awufani kuzo zonke izindlela zokunakekela izingane. Kwezinye izindawo, abaziboni izingane ngemva kweminyaka engu-18, kwezinye izindawo bangase balinde isikhashana. Ngakho-ke, kubaluleke kakhulu ukubuza udokotela wezingane ngalokhu ngokushesha nje lapho ingane yakho ifinyelela ebusheni.

Isibonelo, uma ungenaye kakade udokotela womndeni ocabanga ukuthi ingane yakho kufanele imbone, noma uma ingane yakho inesifo esingamahlalakhona esidinga izinsizakalo zochwepheshe abadala, cela udokotela wezingane wakho wamanje ukuthi akuthumelele i-referral . Angase akwazi ukuncoma udokotela omdala omuhle.

Ngezinye izikhathi, uma ingane yakho inesimo esingavamile , ukukhubazeka, noma isimo sokuqala kwengane (isimo esiqala ebuntwaneni) , kungaba inselele ukuthola i-PCP noma uchwepheshe ophatha abantu abadala. Lokhu kungenxa yokuthi udinga ukuthola udokotela ozimisele futhi onolwazi ekwelapheni izingane ezinalezi zimo eziyinkimbinkimbi. Ngakho-ke, kuwukuhlakanipha ukuqala ukufuna odokotela abanjalo kusenesikhathi, lapho ingane yakho isencane.

Enye into, ungazama uchwepheshe omusha isikhathi sokulinga.Buza ukuthi ungamnika yini ingane yakho ithuba lokuhlangana nawe. Bese ukhuluma nodokotela wezingane wengane yakho omdala bese uxoxa ngendlela okwenzeka ngayo okusha, ukuthi izinto zihamba kanjani, njll. Nikeza yonke le nqubo isikhathi esanele. Uma kukhona okungahambi kahle, ingane yakho izokwazi ukubona udokotela wayo omdala wezingane uze uthole udokotela omdala omuhle nohambisanayo.

Ake sikusize ukhethe ikhava yezempilo efanele yengane yakho.

Manje ake sixoxe ngomshuwalense wezempilo. Uma ingane yakho ixhomeke ekumbozweni komshuwalense wakho wezempilo, ngokusho koMthetho Wokunakekelwa Okungabizi (i-ACA) , ingane yakho ingambozwa ngomshuwalense wakho kuze kube yilapho ineminyaka engu-26. Akunandaba ukuthi ingane isesikoleni esiphakeme, ihlala ekhaya, iyasebenza, noma ishadile. Isengambozwa yinqubomgomo yakho. Ezweni lakithi, le mithetho ingahluka kancane enkampanini yomshuwalense, kanye nasenqubomgomoni. Ngakho-ke, kungcono ukubuza inkampani yakho yomshuwalense ngalokhu.

Uma ingane yakho ixhomeke ohlelweni lokunakekelwa kwempilo olusekelwe emsebenzini, lokho kuvikeleka kuvame ukuphela lapho ingane ifinyelela eminyakeni engu-26. Ngakho-ke, kufanele uqale ukufuna ukuvikeleka okusha komshuwalense kusenesikhathi ngaphambi kwalolo suku. Uma unomshuwalense ngohlelo olufana ne -ACA Health Insurance Marketplace, njengase-United States, ungase ukwazi ukugcina lowo mshwalense kuze kube nguDisemba 31 wonyaka ingane yakho efinyelela eminyakeni engu-26. Isimo ezweni lethu singase sihluke, ngakho funda imigomo yenqubomgomo yakho yomshuwalense ngokucophelela.

Yiziphi izinketho zomshuwalense wengane?

Izinkampani eziningi zinikeza ukumbozwa kokunakekelwa kwempilo kweqembu njengengxenye yephakheji yezinzuzo zabasebenzi bazo. Lokhu kuvumela abasebenzi ukuthi benze ngokwezifiso uhlelo lwabo. Kungafaka phakathi izinto ezifana nokunakekelwa kwamazinyo, ukunakekelwa kwamehlo, ukunakekelwa okuphuthumayo, kanye nokunakekelwa kwezokwelapha okuvamile . Kungase kube nokuthile okubizwa ngokuthi umshwalense wokukhubazeka wesikhathi eside . Lokhu izinzuzo zezokwelapha ozitholayo uma ungakwazi ukusebenza isikhathi eside. Kodwa-ke, lokhu kuza ngezindleko ezengeziwe.

Uma unomshwalense ngomqashi wakho, okungukuthi, ngendawo yakho yokusebenza, ingane yakho kuzodingeka ikhokhele okulandelayo:

• Iprimiyamu yanyanga zonke - Lena yimali okumele uyikhokhe njalo ngenyanga ukuze ulondoloze umshwalense.
• Imali yokukhokha kanye nemali yokukhokha ephuma ephaketheni yizindleko ozikhokhela abahlinzeki bezempilo, njengodokotela namakhemisi. Lezi yizingxenye zemali kadokotela noma izindleko zemithi oyikhokhela ephaketheni lakho.

Cabanga ukuthi ingane yakho esikhulile ayisambozwa uhlelo lwakho lomshuwalense, futhi ayinayo i-health coverage ngohlelo lomqashi wayo noma lomlingani wayo. Uma kunjalo, ingase ifanelekele ukumbozwa ngaphansi kohlelo olubizwa nge -COBRA (Consolidated Omnibus Budget Reconciliation Act) . Lona umthetho wase-U.S. ofuna zonke izinkampani zomshuwalense wezempilo ukuthi zandise isikhashana i-coverage ezinhlelweni zazo zeqembu kuze kube yizinyanga ezingu-36 kubantu ababethembele kubo ngaphambilini.

I-COBRA ayizenzekeli nje. Ingane yakho kufanele ifake isicelo sayo. Futhi, udinga ukufaka isicelo maduze ngoba isikhathi sokufaneleka sinqunyelwe. Kodwa khumbula, kuzokubiza imali engaphezu kweprimiyamu yanyanga zonke oyikhokhe njengomuntu oxhomeke ohlelweni lwakho.

Nakuba kungekho uhlelo oluthile lwe-COBRA olufana nalolu ezweni lethu, ezinye izinkampani zomshuwalense zingase zinikeze izinhlelo ezahlukene njengezixazululo zezimo ezinjalo. Ngakho-ke, hlola nalokho futhi.

Enye indlela ukukhetha umshwalense wezempilo womuntu ngamunye nge -Marketplace at HealthCare.gov e-United States. Izinhlelo eziningi zisekelwe emalini engenayo yengane yakho endala. Zixhaswa futhi ukuze zikwazi ukuthengeka kalula. Ezweni lethu, ungathola futhi izinqubomgomo zomshuwalense womuntu ngamunye ngezinkampani zomshuwalense ezizimele. Ungathola okwengeziwe ngazo enkampanini ngayinye.

Izinto okufanele uzicabangele ngokukhethekile

Kunezinye izimo ezikhethekile, futhi kuhle ngathi ukuzazi nazo.

Izinkampani zomshuwalense ngokuvamile azikwazi ukwenqaba ukumbozwa noma ukukhokhisa imali eyengeziwe kumuntu onesifo esivele sikhona (lo ngumthetho emazweni amaningi, futhi ungahluka kuye ngemigomo yenqubomgomo yakho yomshuwalense, ngakho buza ngalokhu uma uthola inqubomgomo yakho). Uma ingane yakho inezidingo ezikhethekile zokunakekelwa kwempilo , uhlelo lwakho lomshuwalense lungase lube nesigaba esikhethekile sezingane ezikhubazekile ezindala . Lokhu kuvumela izingane ezikhubazekile ezindala ukuthi zihlale ohlelweni lwabazali bazo ngaphandle kwemingcele. Hlola ukuze ubone ukuthi inkampani yakho yomshuwalense inikeza lokhu yini.

Izingane ezindala ezikhubazekile zingase zimbozwe ngezinhlelo zikahulumeni ezifana ne -Medicaid uma imali yazo engenayo inganele ukumboza izindleko zezinsizakalo zezokwelapha, noma uma zifanelekela/zithola inzuzo efana ne -Supplemental Security Income (SSI) njengase-United States. Ezweni lethu, uMnyango Wezinsizakalo Zezenhlalo unikeza izinzuzo ezahlukahlukene kanye nosizo kubantu abakhubazekile. Ungabheka futhi lokho.

Umshwalense Wokukhubazeka Wokuphepha Komphakathi (i-SSDI) e-United States ungowalabo abakhubazeka ngaphambi kweminyaka engama-22.Ungase ufanelekele futhi i-SSDI. Lezi zinzuzo zinikezwa izingane ezikhubazekile abazali bazo abakhokhele i-Social Security kuzo zonke izimpilo zazo zokusebenza. Uma abazali sebeshonile, sebethathe umhlalaphansi, noma bethola nezinzuzo zokukhubazeka, lezo zingane zingase zifanelekele nalezi zinzuzo. Ngemva kwezinyanga ezingu-24 ze-SSDI, zingase zifanelekele ne -Medicare, uhlelo lomshuwalense lukahulumeni wase-US.

ESri Lanka, kukhona nezinhlelo ezifana ne-Employees Provident Fund (EPF) kanye ne-Employees Trust Fund (ETF) ezihlinzeka ngezinzuzo ezithile zezidingo ezithile zezokwelapha. Kubalulekile futhi ukukhumbula ukuthi izinsizakalo eziningi zitholakala mahhala noma ngezindleko eziphansi ngohlelo lwezibhedlela zikahulumeni.

Ungayisiza kanjani ingane yakho encane ukuba ibe isiguli esinomthwalo wemfanelo?

Ukunakekelwa kwempilo kwabantu abadala kusekelwe emthwalweni wemfanelo wesiguli . Lokho kusho ukuthi konke kusukela ekuhleleni i-aphoyintimenti kuya ekulaleleni udokotela kuya ekuphuzeni imithi yakho ngesikhathi kuyisibopho sakho. Lowo mthwalo wemfanelo uhambisana nokulawula . Ngakho-ke, ingane yakho iyona eyenza zonke izinqumo zayo zezokwelapha. Futhi inelungelo lobumfihlo mayelana nayo yonke imininingwane yayo yezokwelapha. Ngaphandle kokuthi ikhethe ukuyabelana nawe, ngeke nje ikwazi lokho kwaziswa. Lokhu kungaba kusha kancane, ngoba ngesikhathi isencane, konke kwadlula kuwe.

Cabanga nje ukuthi indodakazi noma indodana yakho izobona udokotela yodwa. Kudingeka ikwazi ukuphendula imibuzo kadokotela futhi ichaze ngokucacile ukukhathazeka kwayo. Kudingeka futhi iqinisekise ukuthi iyaqonda futhi iyalandela imiyalelo kadokotela.

Njengoba ukhula, kubalulekile ukwabelana ngolwazi lwakho lwezokwelapha nabo bonke abahlinzeki bezempilo obabonayo. Lokhu kufaka phakathi izinto ezifana nokugula kwangaphambilini, ukuhlinzwa, imithi, kanye nokugonywa. Futhi, qiniseka ukuthi utshela udokotela wakho uma unesifo sokungezwani nemithi noma umlando womndeni wezifo ezifana nomdlavuza noma isifo senhliziyo. Lolu lwazi luzosiza udokotela wakho ukuthi athole ukuxilongwa okunembile futhi anikeze ukwelashwa okungcono kakhulu.

Tshela indodakazi yakho noma indodana yakho ukuthi igcine amakhophi awo wonke amarekhodi abo ezokwelapha, kanye nohlu lwakamuva lwemithi. Lokhu kungaba usizo kakhulu ezimweni eziphuthumayo.

Futhi, kubalulekile ukubona udokotela uma unesifo esithile, kanye nokuhlolwa njalo . Uhlobo lokuhlolwa oludingayo luzoncika emlandweni wezempilo wengane yakho kanye nowomndeni.

Ngingazisiza kanjani izingane zami ukuthi zithwale umthwalo wemfanelo wokunakekelwa kwazo kwempilo?

Ungasiza ingane yakho ukuthi iqale ukuphatha ukunakekelwa kwayo kwezempilo ngokubambisana isencane. Kancane kancane, mayithathe indima esebenzayo. Isibonelo, mayikwenze izinto ezifana nokuhlela ama-aphoyintimenti nokugcwalisa kabusha imithi kadokotela. Lokhu kwakha ukuzethemba kwayo futhi kukhombisa abazali ukuthi bangazinakekela.

Cabanga nje, lapho ingane yakho ineminyaka engu-15 noma engu-16 ubudala, uthi kuyo, ‘Ndodana/ndodakazi, zama ukwenza i-aphoyintimenti kadokotela wakho olandelayo ngokwakho.’ Ekuqaleni, ungase udinge usizo oluncane, kodwa ngemva kwesikhashana, izojwayela ukukwenza yodwa. Kungezinto ezincane ezinjengalezi lapho ifunda khona ukuthwala imithwalo yemfanelo emikhulu.

Ukushintshela ekunakekelweni kwezempilo kwabantu abadala akwenzeki ngobusuku obubodwa. Kudingeka kwenzeke kancane kancane. Kodwa ukuhlela kusengaphambili nokukhuluma ngalokho ongakulindela kuzosiza kakhulu ekusizeni izingane ukuthi ziphathe ukunakekelwa kwazo kwezempilo uma isikhathi sifika.

Ngakho-ke, ake sihlanganise lokhu bese sikhumbula ukuthi sikhulume ngani? (Umyalezo Wokuya Ekhaya)

Nakuba ukuhambisa ingane yakho isuka esikhungweni sezempilo sezingane iye kwesabantu abadala kungazwakala njengesinyathelo esikhulu, akuyona inkinga uma iphathwa kahle.

• Qala kusenesikhathi: Qala ukufuna udokotela omusha bese ubheka izinketho zomshuwalense lapho ingane yakho isencane.
• Khuluma nengane yakho: Khuluma naye ngokukhululekile ngalolu shintsho kanye nemithwalo yakhe yemfanelo emisha. Lalela imibono yakhe.
• Siza ukuthola udokotela omuhle: Siza ingane yakho ikhethe udokotela ofanelana nezidingo zayo nomuntu engakhuluma naye kalula. Lokhu kubaluleke kakhulu uma ingane yakho inesifo esingamahlalakhona noma izidingo ezikhethekile.
• Qaphela ngomshuwalense: Cwaninga isikhathi somshuwalense wengane yakho kanye nezinketho ezitholakalayo uma udinga umshwalense omusha.
• Khuthaza ukuthwala umthwalo wemfanelo: Kancane kancane fundisa ingane yakho ukuthi ithwale umthwalo wemfanelo ngempilo yayo, ulwazi lwezokwelapha, kanye nokuqokwa kodokotela. Yakha ukuzethemba kokuthi ingakwazi ukuzenzela lezi zinto yodwa.
• Usizo lwakho lusadingeka: Ngisho noma ingane yakho isikhulile, isiqondiso sakho kanye nokusekela kwakho kubaluleke kakhulu phakathi nalesi sikhathi sokuguquka.

Khumbula, lesi isinyathelo esisodwa esibalulekile ohambweni lwengane yakho lokuba umuntu omdala ozimele. Ngothando lwakho nokusekelwa kwakho, ngeke kube nzima ngaye ukunqoba le nselele!

Impilo yengane , ukunakekelwa kwempilo yabantu abadala, ukunakekelwa kwezokwelapha kwezingane, umshwalense wezempilo, impilo yentsha, ukuguquka kwezokwelapha, iseluleko sokuba ngumzali