Kubiza malini ukulethwa e-United States?
I- izindleko ezijwayelekile zokuba nengane e-US ., Ngaphandle kwezinkinga ngesikhathi sokubeletha, kunjalo $ 10,808 , ezingakhuphukela ku- $ 30,000 lapho kucatshangelwa ukunakekelwa okunikeziwe ngaphambi nangemva kokukhulelwa .
Lapho kubhekwa iqiniso lokuthi e-US, omama abangu-2,821,010 bazalwa ngokwemvelo kanti omama abangu-1,332,339 babene-C-section ngo-2019, ngokusho Izikhungo Zokulawulwa Nokuvikelwa Kwezifo , leyo yimali eningi engena ohlelweni lokunakekelwa kwempilo lwe- izindleko zokubeletha.
Izigaba ze-C zibiza kakhulu kulokhu , futhi ziyanda. Amathuba esigaba se-C e-U.S. Enyuke ngo 500% kusukela ekuqaleni kwawo-1970, kubika uNeel Shah nge-US News .
Kepha noma ngabe ukulethwa kwemvelo noma isigaba sokuhlinzwa, izindleko ziyahlukahluka kuye ngesimo ohlala kuso . Impilo ye-FAIR inikeze umbono wombuso nesifundazwe wokuthi kubiza malini ukuba nengane esifundazweni ngasinye. .
Skrolela phansi ukuthola ukuthi kubiza malini ukulethwa esifundazweni sakho, ngokulandelana kwama-alfabhethi. Sifake izindleko ezijwayelekile zokuzalwa ngokwemvelo nomshwalense kanye nokuzalwa ngokwemvelo ngaphandle komshwalense, kanye nezindleko zokuba nesigaba sokuhlinzwa ngomshwalense nokuba nesigaba sokuhlinzwa ngaphandle komshwalense.
Izindleko zomshwalense zikhombisa sonke isikweletu sasesibhedlela. Izindleko eziphuma ephaketheni okwangempela kungaba phansi futhi kuzoncika ku umshuwalense noma i-copay kufakwe ohlelweni lomshuwalense wezempilo womuntu ngamunye. Izindleko ezingaqinisekisiwe zisuselwa enanini lesibhedlela elingakhokhisa, lapho umuntu ongakatholwanga umshwalense ezoba nesibopho ngokugcwele ngaphandle kokuthi kwenziwe amanye amalungiselelo.
I-Alabama
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,230.46
yemvelo ngaphandle komshwalense: $ 9,516.86
Isigaba saseKesariya Ngomshuwalense: $ 8,221.42 isigaba se-Cesarean
Akuqinisekisiwe: $ 13,589.75
I-Alaska
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 11,609.95
yemvelo ngaphandle komshwalense: $ 20,243.38
Isigaba saseKesariya Ngomshuwalense: $ 16,707.29 isigaba se-Cesarean
Akuqinisekisiwe: $ 28,617.34
E-Arizona
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 8,034.32
yemvelo ngaphandle komshwalense: $ 14,812.45
Isigaba saseKesariya Ngomshuwalense: $ 10,699.23 isigaba se-Cesarean
Akuqinisekisiwe: $ 18,023.04
I-Arkansas
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,724.24
yemvelo ngaphandle komshwalense: $ 10,172.09
Isigaba saseKesariya Ngomshuwalense: $ 8,616.81 isigaba se-Cesarean
Akuqinisekisiwe: $ 13,970.83
California
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,755.49
yemvelo ngaphandle komshwalense: $ 13,974.77
Isigaba saseKesariya Ngomshuwalense: $ 11,390.88 isigaba se-Cesarean
Akuqinisekisiwe: $ 19,184.14
IColorado
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,435.49
yemvelo ngaphandle komshwalense: $ 13,593.07
Isigaba saseKesariya Ngomshuwalense: $ 10,356.17 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,713.57
I-Connecticut
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 8,071.26
yemvelo ngaphandle komshwalense: $ 15,000.57
Isigaba saseKesariya Ngomshuwalense: $ 10,936.89 isigaba se-Cesarean
Akuqinisekisiwe: $ 19,692.76
I-Delaware
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,496.76
yemvelo ngaphandle komshwalense: $ 12,104.65
Isigaba saseKesariya Ngomshuwalense: $ 10,280.30 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,617.02
EFlorida
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,745.00
yemvelo ngaphandle komshwalense: $ 14,757.28
Isigaba saseKesariya Ngomshuwalense: $ 11,917.39 isigaba se-Cesarean
Akuqinisekisiwe: $ 20,805.89
IGeorgia
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,264.89
yemvelo ngaphandle komshwalense: $ 13,410.70
Isigaba saseKesariya Ngomshuwalense: $ 11,162.80 isigaba se-Cesarean
Akuqinisekisiwe: $ 19,328.71
IHawaii
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,112.40
yemvelo ngaphandle komshwalense: $ 10,552.42
Isigaba saseKesariya Ngomshuwalense: $ 8,968.17 isigaba se-Cesarean
Akuqinisekisiwe: $ 14,445.19
Idaho
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,550.40
yemvelo ngaphandle komshwalense: $ 11,242.58
Isigaba saseKesariya Ngomshuwalense: $ 9,485.11 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,102.93
I-Illinois
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 8,329.52
yemvelo ngaphandle komshwalense: $ 14,725.11
Isigaba saseKesariya Ngomshuwalense: $ 11,999.74 isigaba se-Cesarean
Akuqinisekisiwe: $ 19,631.75
I-Indiana
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,805.89
yemvelo ngaphandle komshwalense: $ 11,571.69
Isigaba saseKesariya Ngomshuwalense: $ 10,749.93 isigaba se-Cesarean
Akuqinisekisiwe: $ 16,951.98
I-Iowa
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,405.78
yemvelo ngaphandle komshwalense: $ 10,938.84
Isigaba saseKesariya Ngomshuwalense: $ 9,708.81 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,135.67
I-Kansas
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,368.52
yemvelo ngaphandle komshwalense: $ 10,862.29
Isigaba saseKesariya Ngomshuwalense: $ 10,287.78 isigaba se-Cesarean
Akuqinisekisiwe: $ 16,269.51
EKentucky
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,111.73
yemvelo ngaphandle komshwalense: $ 11,242.27
Isigaba saseKesariya Ngomshuwalense: $ 9,055.16 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,150.94
ELouisiana
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,008.24
yemvelo ngaphandle komshwalense: $ 10,970.87
Isigaba saseKesariya Ngomshuwalense: $ 8,542.98 isigaba se-Cesarean
Akuqinisekisiwe: $ 13,776.54
Maine
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 5,947.02
yemvelo ngaphandle komshwalense: $ 11,047.39
Isigaba saseKesariya Ngomshuwalense: $ 9,162.19 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,906.99
EMaryland
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,471.87
yemvelo ngaphandle komshwalense: $ 12,596.52
Isigaba saseKesariya Ngomshuwalense: $ 9,610.39 isigaba se-Cesarean
Akuqinisekisiwe: $ 16,425.80
EMassachusetts
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 7,741.64
yemvelo ngaphandle komshwalense: $ 14,549.03
Isigaba saseKesariya Ngomshuwalense: $ 11,012.54 isigaba se-Cesarean
Akuqinisekisiwe: $ 19,879.60
EMichigan
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,545.41
yemvelo ngaphandle komshwalense: $ 11,211.17
Isigaba saseKesariya Ngomshuwalense: $ 9,695.69 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,107.17
IMinnesota
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,994.03
yemvelo ngaphandle komshwalense: $ 11,721.86
Isigaba saseKesariya Ngomshuwalense: $ 10,453.20 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,646.02
UMississippi
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,545.41
yemvelo ngaphandle komshwalense: $ 11,211.17
Isigaba saseKesariya Ngomshuwalense: $ 9,695.69 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,107.17
EMissouri
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,327.80
yemvelo ngaphandle komshwalense: $ 10,871.98
Isigaba saseKesariya Ngomshuwalense: $ 9,830.36 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,513.47
IMontana
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,962.30
yemvelo ngaphandle komshwalense: $ 10,244.88
Isigaba saseKesariya Ngomshuwalense: $ 8,484.98 isigaba se-Cesarean
Akuqinisekisiwe: $ 13,344.77
ENebraska
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,775.12
yemvelo ngaphandle komshwalense: $ 9,655.74
Isigaba saseKesariya Ngomshuwalense: $ 8,756.02 isigaba se-Cesarean
Akuqinisekisiwe: $ 13,143.40
INevada
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,700.71
yemvelo ngaphandle komshwalense: $ 13,761.86
Isigaba saseKesariya Ngomshuwalense: $ 10,912.63 isigaba se-Cesarean
Akuqinisekisiwe: $ 18,266.84
ENew Hampshire
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,648.16
yemvelo ngaphandle komshwalense: $ 12,692.15
Isigaba saseKesariya Ngomshuwalense: $ 9,569.52 isigaba se-Cesarean
Akuqinisekisiwe: $ 16,837.87
E-New Jersey
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 8,963.92
yemvelo ngaphandle komshwalense: $ 17,504.25
Isigaba saseKesariya Ngomshuwalense: $ 11,662.16 isigaba se-Cesarean
Akuqinisekisiwe: $ 21,294.82
ENew Mexico
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,946.97
yemvelo ngaphandle komshwalense: $ 10,830.34
Isigaba saseKesariya Ngomshuwalense: $ 9,096.24 isigaba se-Cesarean
Akuqinisekisiwe: $ 14,921.50
I-New York
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 8,462.84
yemvelo ngaphandle komshwalense: $ 16,057.74
Isigaba saseKesariya Ngomshuwalense: $ 12,114.11 isigaba se-Cesarean
Akuqinisekisiwe: $ 22,059.22
ENyakatho Carolina
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,750.16
yemvelo ngaphandle komshwalense: $ 11,991.33
Isigaba saseKesariya Ngomshuwalense: $ 10,102.62 isigaba se-Cesarean
Akuqinisekisiwe: $ 16,839.97
ENyakatho Dakota
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 7,974.09
yemvelo ngaphandle komshwalense: $ 13,277.45
Isigaba saseKesariya Ngomshuwalense: $ 11,408.56 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,647.14
I-Ohio
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,138.46
yemvelo ngaphandle komshwalense: $ 10,629.46
Isigaba saseKesariya Ngomshuwalense: $ 9,100.74 isigaba se-Cesarean
Akuqinisekisiwe: $ 14,212.56
I-Oklahoma
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,083.51
yemvelo ngaphandle komshwalense: $ 11,266.83
Isigaba saseKesariya Ngomshuwalense: $ 10,553.98 isigaba se-Cesarean
Akuqinisekisiwe: $ 18,121.42
Oregon
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,351.16
yemvelo ngaphandle komshwalense: $ 12,622.35
Isigaba saseKesariya Ngomshuwalense: $ 10,972.50 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,948.33
EPennsylvania
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,458.71
yemvelo ngaphandle komshwalense: $ 12,223.65
Isigaba saseKesariya Ngomshuwalense: $ 10,349.39 isigaba se-Cesarean
Akuqinisekisiwe: $ 18,753.63
Rhode Island
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,472.47
yemvelo ngaphandle komshwalense: $ 10,385.63
Isigaba saseKesariya Ngomshuwalense: $ 8,183.02 isigaba se-Cesarean
Akuqinisekisiwe: $ 14,088.87
ENingizimu Carolina
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,697.16
yemvelo ngaphandle komshwalense: $ 12,277.26
Isigaba saseKesariya Ngomshuwalense: $ 10,036.85 isigaba se-Cesarean
Akuqinisekisiwe: $ 16,707.30
ENingizimu Dakota
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,835.96
yemvelo ngaphandle komshwalense: $ 11,457.59
Isigaba saseKesariya Ngomshuwalense: $ 10,167.63 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,994.09
I-Tennesse
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 6,817.41
yemvelo ngaphandle komshwalense: $ 12,587.19
Isigaba saseKesariya Ngomshuwalense: $ 10,181.71 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,157.99
ITexas
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 7,699.20
yemvelo ngaphandle komshwalense: $ 14,641.11
Isigaba saseKesariya Ngomshuwalense: $ 11,267.77 isigaba se-Cesarean
Akuqinisekisiwe: $ 19,551.97
Utah
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 5,951.76
yemvelo ngaphandle komshwalense: $ 10,199.52
Isigaba saseKesariya Ngomshuwalense: $ 8,952.52 Isigaba se-Cesarean
Akuqinisekisiwe: $ 14,252.80
I-Vermont
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,219.90
yemvelo ngaphandle komshwalense: $ 12,138.26
Isigaba saseKesariya Ngomshuwalense: $ 9,734.18 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,428.48
IVirginia
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,517.02
yemvelo ngaphandle komshwalense: $ 12,342.55
Isigaba saseKesariya Ngomshuwalense: $ 10,593.92 isigaba se-Cesarean
Akuqinisekisiwe: $ 18,261.83
Washington
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,043.42
yemvelo ngaphandle komshwalense: $ 12,210.33
Isigaba saseKesariya Ngomshuwalense: $ 10,725.39 isigaba se-Cesarean
Akuqinisekisiwe: $ 17,680.54
ENtshonalanga Virginia
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa Kwe- $ 6,163.94
yemvelo ngaphandle komshwalense: $ 11,108.51
Isigaba saseKesariya Ngomshuwalense: $ 9,376.43 isigaba se-Cesarean
Akuqinisekisiwe: $ 15,553.63
I-Wisconsin
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 10,171.19
yemvelo ngaphandle komshwalense: $ 17,888.14
Isigaba saseKesariya Ngomshuwalense: $ 14,239.59 isigaba se-Cesarean
Akuqinisekisiwe: $ 23,746.69
I-Wyoming
Izindleko zokuba nengane:
Ukulethwa kwemvelo nomshwalense: Ukulethwa kwe- $ 7,724.00
yemvelo ngaphandle komshwalense: $ 13,143.39
Isigaba saseKesariya Ngomshuwalense: $ 11,331.72 isigaba se-Cesarean
Akuqinisekisiwe: $ 18,476.31
Nginomshuwalense Wezempilo. Yini Okufanele Ngiyikhokhele Ngokunakekelwa Kwangaphambi Kokubeletha Nokubeletha?
Izinqubomgomo ezibandakanya izindleko zokubeletha
Izindaba ezimnandi: Uma unomshuwalense onikezwe umqashi wakho futhi inkampani iqashe okungenani abantu abayi-15 ngokugcwele, umshwalense wakho kufanele unikeze ngezinsizakalo zokubeletha.
Amaphesenti wezindleko zokubeletha nezokubeletha ezizokhokhwa ancike enkampanini yakho yomshuwalense nakuhlelo onalo, kepha ngokujwayelekile, izinhlelo zabasebenzi zihlanganisa amaphesenti ama-25 kuye kwangama-90 ezindleko. Hlala wazi ukuthi lokhu kungemuva kokuthi kudonswe imali kuhlangatshezwane nayo futhi kungahle kube khona imali ekhishwayo ehlukanisiwe yelungu ngalinye lomndeni, ngakho-ke uzokhokha okuthe xaxa ephaketheni. Ngamanye amagama, uma ilunga ngalinye lomndeni (kufaka nengane yakho esanda kuzalwa) linemali engadonswa engu- $ 2,000, kuzofanele ukhokhele izindleko zokunakekelwa kwezempilo zama- $ 4,000 zokuqala wena nengane yakho, kanye nanoma yini enye ngaphandle kohlelo lwakho olungakhokhi.
Uma unecebo nge-Affordable Care Act, lizobandakanya ukukhulelwa nokubeletha, yebo, noma ngabe ubukhulelwe ngaphambi kokutholakala.
Izinqubomgomo ezingakwenzi
Uma unenqubomgomo yomshwalense yomuntu ngamunye, enganikezwa ngumqashi wakho, kungenzeka ingakhokhi izindleko zokubeletha. Izifundazwe eziningana zidinga izinhlelo zokukhokhela izindleko zokubeletha nezokubeletha, kepha izifundazwe eziningi azidingi ukuthi zenze kanjalo. Ngo-2010, amaphesenti ayi-12 kuphela wezinqubomgomo ngazinye ezinikeza ukumbozwa kokubeletha. Imvamisa kuyenzeka ukuthenga umgibeli ukukhokhela izindleko zokubeletha, kepha izindleko zingaba phezulu (kufika ku- $ 1,100 ngenyanga), futhi kwesinye isikhathi kunesikhathi sokulinda sonyaka owodwa noma emibili ngaphambi kokuba kusetshenziswe inzuzo.
Ngingaqiniseka Kanjani Ukuthi Umhlinzeki Wami Womshuwalense Wezempilo Ukhokha Kangangokunokwenzeka?
Ukugwema ukukhokha okuningi noma okuthile okungafanele ukhokhele, kubalulekile ukuthi uyiqonde ngokugcwele inqubomgomo yenkampani yakho yomshuwalense yokumboza ukubeletha. Uma unomshuwalense ngomqashi wakho, umnyango wakho wezabasebenzi kufanele ukwazi ukukusiza uqonde ukumbozwa kwakho. Izinkampani eziningi zine-hotline yokukhulelwa ongayishayela yonke imininingwane. Landela lezi zeluleko ukuqinisekisa ukufakwa okuphezulu kanye nomthelela omncane wesitika:
Faka inethiwekhi.
Khetha i-in-network obstetrician kanye nesibhedlela noma isikhungo sokubeletha ukugwema izindleko ezingaphandle kwephaketheni.
Qonda uhlelo lwakho lomshuwalense.
Thola ama-deductible akho, ama-copayment, nama-maximum aphuma ephaketheni ukulinganisa ukuthi izindleko zakho zizoba yini.
Ungahlali isikhathi eside esibhedlela.
Sicela uhlole ukuthi uhlala isikhathi esingakanani esibhedlela futhi uhlale isikhathi eside kangako, uma kungenzeka.
Yazisa umphathi wakho ngokuzalwa kwengane ngokushesha okukhulu.
Izinhlelo eziningi zidinga ukuthi kungezwe ingane entsha emshwalense womndeni zingakapheli izinsuku ezingama-30 izelwe. Ngaphandle kwalokho, izindleko zengane yakho kungenzeka zingakhokhelwa. Abanye baze balindele ukuthi ubashayele ucingo uma ufika esibhedlela ukuletha, kanti uma ungakwenzi lokho, bangahle benqabe ukukhokhela izindleko zokulethwa kwakho nokunakekelwa kwesibhedlela sengane yakho.
Ngingawuthola Kanjani Umshuwalense Wezempilo Uma Umqashi Wami (Noma Engisebenzisana Naye) Enganikeli Ngayo?
Umshuwalense wezempilo ngamunye ungaba inketho, kepha bheka izinketho zakho, ngoba izinhlelo ngokuvamile azikhokhi izindleko zokubeletha futhi kwesinye isikhathi ziphatha ngokomthetho ukukhulelwa njengesimo esivele sikhona (okusho ukuthi kungenzeka ukuthi asimboziwe kahle). Ungahle ufanelekele uhlelo lomshuwalense wezempilo noma wesifundazwe. Ezinye ezitholakalayo:
Umshwalanse we mpilo
Lolu hlelo oluxhaswe nguhulumeni lunikeza usizo lwezokwelapha emindenini ehola kancane nakubantu ngabanye. Kathleen Stoll, Lisekela Lemcondzisi Lomkhulu we Imindeni USA , uncoma ukuthi abesifazane bahlole le nketho noma bengacabangi ukuthi bayafaneleka. Izinga lokufaneleka lokuthola imali liphakeme kwabesifazane abakhulelwe, ngakho-ke ungacabangi ukuthi awufaneleki, usho kanjalo.
Izinhlelo zomshuwalense wezempilo wombuso
Lokhu kunikezwa ezifundazweni ezahlukahlukene. Izilinganiso ziyahlukahluka kuye ngesifundazwe.
Ezempilo.gov
Kusiza izikhungo zezempilo ezixhaswa ngemali nguhulumeni ezihlinzeka ngosizo lwezempilo oluyisisekelo, kufaka phakathi ukunakekelwa kokubeletha ngemali ekhokhwayo. Futhi, njengoba sishilo ekuqaleni, kuhlanganisa izindleko zokukhulelwa.
I-COBRA
Lolu hlelo luhlinzeka ngokuqhubeka kokutholakala kwezempilo kubantu kanye nemindeni elahlekelwa yinzuzo yezempilo ngenxa yokulahleka kwemisebenzi noma ezinye izimo ezifanelekayo.
Ukuze uthole usizo ngolwazi oluthe xaxa ngezinketho zomshuwalense wangasese, bheka i- Hlela othole .
Ungazinciphisa Kanjani Izindleko Zami Zokubeletha Nokubeletha?
Bheka amanani entengo.
Ngokungafani nesimo esiphuthumayo sezokwelapha, ungaba smart shopper. Ungathenga ngaphambi kwesikhathi ngoba unesikhathi sokulethwa, kusho uStoll. Thola isibhedlela esihlinzeka ngamanani amahle wokulethwa nokunakekelwa kwangemva kokubeletha (yebo, ungabuza), bese ubona ukuthi ngabe kubhekwa njengenethiwekhi yohlelo lwakho.
Cabanga ngamanye amalungiselelo.
Uma ulindele ukulethwa okungenzima, cabanga ukusebenzisa isikhungo sokubelethisa hhayi isibhedlela. Izindleko zizoba kusuka ku- $ 3,000 kuya ku- $ 4,000, okucishe kube yingxenye yalokho ukulethwa esibhedlela kungabiza. Yazi nje ukuthi isikhungo sokubelethisa asinakubhekwa njengenethiwekhi, ngakho-ke ungagcina ukhokha imali enkulu ephaketheni kunalokho ongakwenza esibhedlela sangaphakathi kwenethiwekhi. Ekuzalweni kwasekhaya, zonke izindleko ngokuvamile zivela ephaketheni ngamaphesenti ayi-100, kepha ngokuvamile zibiza kancane.
Xoxa nesibhedlela sakho.
Thola ukuthi ngabe uMnyango Wezezimali esibhedlela lapho uzoletha khona izaphulelo zeziguli ezingenawo umshwalense noma ukuthi zizosebenzisana nawe yini ukusetha uhlelo lokukhokha.
Thatha imithi ejwayelekile.
Sebenza ne-OB yakho ukuhlola ukuthi ngabe kukhona yini ezinye izindlela ezivamile zemithi kadokotela ngesikhathi sokunakekelwa ngaphambi kokubeletha noma kokubeletha. Ungase futhi ukwazi ukuthatha amavithamini angaphambi kokubeletha ngaphezu kwamanani anqunyiwe, kusho uStoll.
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- Nginomshuwalense Wezempilo. Yini Okufanele Ngiyikhokhele Ngokunakekelwa Kwangaphambi Kokubeletha Nokubeletha?
- Ngingaqiniseka Kanjani Ukuthi Umhlinzeki Wami Womshuwalense Wezempilo Ukhokha Kangangokunokwenzeka?
- Ngingawuthola Kanjani Umshuwalense Wezempilo Uma Umqashi Wami (Noma Engisebenzisana Naye) Enganikeli Ngayo?
- Ungazinciphisa Kanjani Izindleko Zami Zokubeletha Nokubeletha?