By U-Amita Brar  | Umhlobo |  Seattle iofisi

Ukubandakanyeka kwingozi yemoto kunokutshintsha ubomi bakho ngephanyazo—ingakumbi xa iindleko zonyango kunye nemivuzo elahlekileyo iqala ukuqongelela. Ukukhuselwa komntu buqu (PIP) Ukhuseleko lunokuba luncedo kakhulu. Ukuba unayo, i-PIP ikunceda ukuhlawulela iindleko zakho ngokukhawuleza, ngaphandle kokufumanisa ukuba ngubani owenze ityala. Kodwa kuthekani ukuba awunayo i-PIP kwipolisi yakho ye-inshorensi yemoto?

Masichaze ukuba yintoni i-PIP, indlela esebenza ngayo, kunye neendlela onokukhetha kuzo ukuba awunayo emva kwengozi.

Yintoni i-inshurensi ye-PIP?

Ukhuseleko Lokwenzakala Komntu (PIP) luhlobo lomshuwalense wemoto "ongenasiphoso". Oku kuthetha ukuba kuyasebenza nokuba ngubani obangele ingoziI-PIP inokunceda ukugubungela:

  • Iindleko zonyango (ezifana nokutyelelwa kwi-ER, idinga likagqirha, kunye nonyango lomzimba)
  • Ukulahlekelwa ngumvuzo ukuba awukwazi ukusebenza ngenxa yokulimala kwakho
  • Iinkonzo ezibalulekileyo zasekhaya (ezifana nokucoca okanye uncedo lokunyamekela ukuba wenzakele kakhulu ukuba ungazenzela wedwa)

Kwimimandla emininzi, i-PIP iyafuneka. Nangona kunjalo, kwi Washington Iphondo, i-PIP ayinyanzelekanga—lukhuseleko olungenakuzikhethela. Sekunjalo, abantu abaninzi bakhetha ukuyongeza kwipolisi yabo ngenxa yeenzuzo zayo ezibanzi kunye nokulula kwayo ukufikelela.

Kutheni i-PIP Ibalulekile

Kukho iingenelo ezininzi zokuvula ibango le-PIP emva kwengozi kuquka ukuhlawulwa kweendleko zonyango ukuya kuthi ga kwiminyaka emithathu emva kwengozi, okanye ukuya kuthi ga kwi-$10,000 (okanye ngaphezulu kuxhomekeke kwipolisi yakho); ukungahlawuli mali echithwayo okanye intlawulo edibeneyo; ukuhlawulelwa nokuba ngubani obangele ingozi kuba i-PIP ayinatyala; kunye nokukhuselwa yinkampani yakho yeinshorensi, ngokomthetho engenakunyusa amaxabiso einshorensi yakho okanye ukurhoxisa ipolisi yakho yokusebenzisa i-PIP xa ufaka ingxelo yengozi.

Kuthekani Ukuba Awunayo i-PIP?

Ukuba wala ukhuseleko lwe-PIP okanye awuqinisekanga ukuba unayo, ungoyiki. Usenazo iindlela onokukhetha kuzo.:

  1. Jonga i-inshurensi yakho yezempilo
    Nje ukuba kuqinisekiswe ukuba awunayo i-PIP, i-inshorensi yakho yezempilo kuya kufuneka igubungele unyango olunxulumene nengozi. Kodwa ke, qaphela ukuba unokuba noxanduva lwee-deductibles, ii-co-pays, kunye neemfuno zogunyaziso lwangaphambili, kuxhomekeke kwipolisi yakho.
  2. Ibango nge-Inshurensi yoMqhubi we-At-Fault
    Ukuba omnye umqhubi ubangele ingozi, unokukwazi ukufaka ibango ngokuchasene ne-inshurensi yakhe yoxanduva lweendleko zonyango, umvuzo olahlekileyo, kunye neminye imonakalo. Le nkqubo ingathatha ixesha, kwaye imbuyekezo isenokungafiki kwangoko—ngoko ke lungela ukulibaziseka.
  3. Ukhuseleko lweMedPay (ukuba unayo)
    Eminye imigaqo-nkqubo yemoto ibandakanya Iintlawulo zonyango (MedPay) ukhuseleko, olukwanceda ekuhlawuleni iindleko zonyango, nangona zihlala zincinci kune-PIP.
  4. Izicwangciso zokuhlawula okanye zokuhlawula ngaphandle kwepokotho
    Ngaphandle kwe-PIP okanye umshuwalense wezempilo ofanelekileyo, kunokufuneka uxoxe izicwangciso zentlawulo kunye nababoneleli bakho okanye ucele uncedo kwigqwetha elijongene nokwenzakala komntu ukuze uphonononge iindlela zokuhlawula.

Amagqwetha e-GLP alapha ukukumela kwityala lakho lokulimala komntu

Amagqwetha e-GLP alapha ukukunceda ulawule ukhuseleko lwakho emva kwengozi yemoto. Sifuna ukuqinisekisa ukuba ngelixa uphola kwingozi yemoto, uyakwazi ukuziva ukhuselekile ngokwezimali. Amatyala okwenzakala komntu ngenxa yokwenzakala kwingozi yemoto anokuba nzima, kwaye kufuneka uqonde iintlobo ngeentlobo zemiba yokhuseleko kunye ne-inshurensi enokusebenza kwityala lakho, kubandakanya nokhuseleko loKhuseleko loKhuseleko loKuba neNgozi. Ukuba ucinga ukuba kukho umntu owenze ityala ekubangeleni ingozi wena, ilungu losapho okanye umhlobo ebenibandakanyeka kuyo, kufuneka ufumane iinkcukacha zebango lakho zihlolwe ligqwetha ngokukhawuleza.

Ukuba ukhe wabandakanyeka kwingozi yemoto, nceda utsalele umnxeba 800.273.5005, okanye uthumele i-imeyile kumagqwetha ethu okwenzakala komntu ku ukuze ufumane ingcebiso yokuqala yasimahla. Omnye wamagqwetha ethu anobuchule uya kukwazi ukukuxelela ukuba ungakwazi na ukuqokelela umonakalo.