Abantu abakhubazekile ngokomzimba babhekana nesethi yezinselelo zabo zokuhamba emhlabeni wonke, kodwa ngenxa yentuthuko yezobuchwepheshe, izihlalo zabakhubazekile zikagesi seziphenduke usizo kubantu abafuna usizo lokuhamba. Nakuba lawa madivayisi enikeza inkululeko nokuzimela, kubalulekile ukuqonda izinga lokuhlinzekwa elihlinzekwa umhlinzeki womshwalense wezempilo, ikakhulukazi i-EmblemHealth. Kulokhu okuthunyelwe kwebhulogi, sizohlola ukuthi umshuwalense wezempilo we-EmblemHealth uyazikhokhela yini izihlalo zabakhubazekile zikagesi futhi sicacise ezinye izici ezihlobene nalesi sihloko.
Ukufakwa Kwesihlalo Esinamasondo sikagesi: Inqubomgomo ye-EmblemHealth Iveziwe
Uma kuziwa kumshwalense wesihlalo sabakhubazekile sikagesi, i-EmblemHealth inikeza izinketho zomshwalense wezempilo ophelele ukuze uvumelane nezidingo zomuntu ngamunye ngezidingo ezahlukahlukene. Nokho, kubalulekile ukuqaphela ukuthi ipholisi ngayinye ihlukile, futhi ukuhlinzekwa kwezihlalo zabakhubazekile zikagesi kungase kuncike ezicini eziningana, njengesimo sezempilo sesiguli, uhlobo lokukhubazeka kwaso, kanye nohlobo lohlelo lomshwalense olukhethayo.
Ukuze unqume ukuhlinzekwa okukhethekile kwezihlalo zabakhubazekile zikagesi ze-EmblemHealth, abantu kufanele babuyekeze ngokucophelela imibhalo yohlelo lwabo lomshwalense noma baxhumane nommeleli wenkonzo yamakhasimende wakwa-EmblemHealth. Bazokwazi ukunikeza ulwazi olunembile mayelana nokuhlinzekwa kanye nanoma yiziphi izidingo ezengeziwe ezingase zidingeke ukuze uthole isihlalo sabakhubazekile esisebenza ngomshuwalense.
Izinto Ezithinta Ukufakwa:
1. Isidingo Sezokwelashwa: I-EmblemHealth, njengezinkampani eziningi zomshwalense, yenza izinqumo zokuvikela ezisekelwe esidingweni sezokwelapha. Lokhu kusho ukuthi abantu abafuna izihlalo ezinamasondo zikagesi kumele banikeze ubufakazi obuvela kochwepheshe bezempilo abafana nodokotela nabelaphi ukuze basekele isidingo sedivayisi. Amarekhodi ezokwelapha, ukuhlolwa kanye nemiyalelo kadokotela kuzodlala indima ebalulekile ekunqumeni ukuhlinzekwa kwezidingo.
2. Ukugunyazwa kwangaphambili: Izinkampani zomshwalense zivame ukudinga ukugunyazwa kwangaphambili kwezinto zezokwelapha ezihlala isikhathi eside njengezihlalo ezinamasondo ezisebenza ngogesi. Ngaphambi kokuthenga noma ukuqasha amathuluzi anjalo, abantu abakhavwe yi-EmblemHealth kufanele baqinisekise ukuthi okokusebenza kugunyazwe uhlelo lwabo lomshwalense. Ukwehluleka ukuthola ukugunyazwa kwangaphambili kungase kubangele ukwenqatshwa kokufakwa.
3. Imibandela Yokufaneleka: I-EmblemHealth ingase ibe nemibandela ethile yokufaneleka okufanele iziguli zihlangabezane nayo ukuze zithole usizo lwezihlalo ezinamasondo ezisebenza ngamandla. Lezi zindlela zokunquma zingabandakanya ubudala, izimo zezokwelapha kanye nemikhawulo yokunyakaza. Ukwazi kanye nokuhlangabezana nalezi zindlela kuyadingeka ukuze wandise amathuba akho okuthola usizo.
Ezinye Izinketho Zokukhava:
Uma i-EmblemHealth ingafaki izihlalo zabakhubazekile ezinamandla noma inokufakwa okulinganiselwe, ungakwazi ukuhlola eminye imizila. Lezi zinketho zihlanganisa:
1. I-Medicaid: Abantu abafanelekela i-Medicaid bangathola ukuvikeleka okukhulu kwezihlalo zabakhubazekile zikagesi, njengoba i-Medicaid ngokuvamile ihlanganisa ukumbozwa kwemishini yezokwelapha ehlala isikhathi eside.
2. I-Medicare: Kubantu abaneminyaka engu-65 nangaphezulu noma abanokukhubazeka okuthile, i-Medicare inganikeza ukuhlinzekwa kwezihlalo zabakhubazekile zikagesi ngaphansi kwezinhlelo zeNgxenye B.
3. Ukonga impilo yomuntu siqu: Kwezinye izimo, abantu kungase kudingeke bathembele ekongeni impilo yomuntu siqu noma emalimboleko ukuze bathenge isihlalo esinamasondo uma umshuwalense ungatholakali noma unganele.
Ukufunda mayelana nokuhlinzekwa komshwalense wezempilo wezihlalo ezinamasondo anamandla kungase kubonakale kunzima, kodwa nge-EmblemHealth, izinga lokuhlinzekwa lincike kunqubomgomo ethile kanye nezimo zomuntu ngamunye. Kubalulekile ukujwayelana nezinqubomgomo ze-EmblemHealth, uhlole ezinye izindlela uma kudingekile, futhi uthintane nochwepheshe bezempilo ukuze uthole indlela engcono kakhulu eya phambili. Ngokwenza kanjalo, abantu ngabanye bangaqinisekisa ithuba elingcono kakhulu lokuthola umshwalense owanele wesihlalo esinamasondo sikagesi, ngaleyo ndlela bathuthukise izinga lempilo yabo kanye nokuzimela kuko konke.
Isikhathi sokuthumela: Aug-18-2023