Ukunakekelwa Kwezempi Nezokwelapha Amazinyo

Okushiwo yi-Recruiter Akuzange Akutshele Kakhulu Ngokunakekelwa Kwezempi

Izindleko zezokwelapha nezamazinyo nezindleko zomshuwalense wezempilo zikhathazeka ngabantu abaningi, kodwa yini oyithola uma ujoyina amasosha? Uma umqashi ethembisa ukuthi uzokhulula impilo impilo, akuyona yonke iqiniso.

Kuze kube phakathi neminyaka ye-1980, abaqashi babesebenzisa "ukunakekelwa kwezempilo mahhala impilo" izinzuzo zempi. Ukunakekelwa kwezokwelapha kwakho kwahlanganiswa ngenkathi umsebenzi osebenzayo kanye nezinzuzo zenzelwe umhlalaphansi.

Noma yimuphi umhlalaphansi wezempi nomndeni wakubo angathola ukunakekelwa (isikhala esitholakalayo) kunoma iyiphi indawo yezokwelapha ezempi. Lo mthetho awushintshi ngempela. Yini eguqukile ukutholakala kwesikhala sokunakekelwa kwezempilo.

Ngenxa yokuncipha, kunezibhedlela ezimbalwa ezimbalwa e-United States kunasekho ngaphambili. Kancane kancane, kodwa kancane kancane, abahlala emasotheni, imindeni yabo, kanye namalungu amaningi omndeni osebenzayo baphoqeleka ukuba bafune usizo lwezokwelapha, ngaphandle kokubuyisela okuyingxenye ebizwa ngokuthi i-CHAMPUS (Impilo Yomphakathi Nezokwelapha Zezinkonzo Ezizimele). Labo ababengakuthola ukunakekelwa ngezikhungo zezokwelapha bathole ukuthi ngisho nokunakekelwa okuphuthumayo ukuqokwa kwakuthathe isikhathi eside ukuthola.

I-TRICARE I-Plus and Minuses

I-TRICARE, uhlelo lwamanje lokunakekelwa kwempilo yezempi alubi uma kuqhathaniswa nezinhlelo eziningi zokunakekelwa kwezempilo ezomphakathi. I-TRICARE ingenye yezinhlelo ezibiza kakhulu ezitholakala kuphi.

Kodwa-ke, iningi lama- veteran ezempi kanye nabahlali abahlala emakhaya bahlukunyezwa ngemibandela ye-TRICARE ngezizathu ezimbalwa:

  1. Bazizwa bethembisiwe ukunakekelwa kwezempilo mahhala ngokuphila ngokuzibophezela okungenani kweminyaka engu-20. Abase-Veteran bakholelwa lesi sithembiso futhi babhekana nezimo zomsebenzi / izimo eziphahlazekayo kanye nomholo ophansi ukuwina le nxephezelo. Abaningi abahola umhlalaphansi nabalandeli bezilwane banomuzwa wokuthi uHulumeni wabo waqamba amanga kubo.
  1. Sekuyiminyaka eminingi, abahlala emakhaya balahlekelwa ngokuphelele izinzuzo zabo zokukhokhela uma befaneleka kuM Medicare. Umthetho manje uvumela abahlala emakhaya abafanelekile ukuba basebenzise i-Tricare ukuze bakhokhe noma yiziphi izindleko ezingavunyelwe yi-Medicare. Ukuze usebenzise le nzuzo, abaqashile kufanele babhalise ohlelweni lweMedricare Part B.
  2. Kuye ngohlelo lwe-TRICARE oyikhethayo emhlalaphansi, uzobona ukwanda kwezindleko zemali yokubhalisa, ukukhokhwa kwezinkokhelo zenethiwekhi, nokwanda kwesikhumulo esiyingozi.

TRICARE Ngaphambi kokuthatha umhlalaphansi

Amalungu ezisebenzi zempi ezisebenza ngokugcwele nabancikileko bazo bathola ukunakekelwa kwezempilo mahhala, ngaphansi kokuhlinzekwa kwe-TRICARE eyaziwa njenge-Tricare Prime. Lokhu kusebenza ngendlela efana ne-HMO. Ilungu (kanye nabaxhomeke kuye) banikezwa umhlinzeki wokunakekela oyinhloko, ngokuvamile (kodwa hhayi njalo) esibhedlela esisekelwe phansi. Umhlinzeki wokunakekelwa oyinhloko unakekela izidingo zabo zezokwelapha futhi wenza ukudluliselwa okugunyaziwe kubachwepheshe uma bengenalo ikhono lokusingatha inkinga.

I-TRICARE ye-Guard and Reserve

Amalungu Abaqaphi kanye neNqolobane (kanye nabathembeli babo) bangasebenzisa noma yiziphi izinketho ze-TRICARE nganoma isiphi isikhathi ilungu libizelwa emsebenzini osebenzayo izinsuku ezingaphezu kwezingu-30. Ukusetshenziswa kwe-TRICARE Prime kuyinkululeko, njengoba kunamalungu omndeni osebenzayo. Ukuhlinzekwa kwezempilo kuhlinzekwa kuze kube yizinsuku ezingu-90 ngaphambi kokuvuselelwa kwabasebenzi abathola i-oda elithatha isikhathi esiphuthumayo.

Ukusabalala kuqhubeka kuze kube yizinsuku ezingu-180 kulandela ukusebenza kwazo. Ngemuva kwalokho, isikhathi sokuguqula izinsuku ezingu-180, ngemuva kokusebenza, amalungu e-Guard, kanye namalungu e-Reserve angathenga ukuhlinzekwa kwezempilo okukhethekile ngaphansi kohlelo lwe-TRICARE Reserve Select, uma kusetshenziselwa ukusebenza kwezinsuku ezingu-90 noma ngaphezulu.

Ukunakekelwa kwamazinyo

Ukunakekelwa kwamazinyo kukhululekile kumalungu omsebenzi osebenzayo nasemalungwini abaPhezulu / abakwaHulumeni abasebenza ngokugcwele , kodwa hhayi mahhala kulabo abangabambisene nabalindi / abahlali abasemakhaya noma abaxhomeke empini. Kodwa-ke, izinsizakalo zinezinhlelo zamazinyo emndenini - okungenani ngamabhakede ambalwa ngenyanga - inikezela ngemishanguzo yamazinyo kumalungu omndeni wezempi namalungu angewona ahlanganisiwe abaLondolozi / Imindeni (nemindeni yabo).

Ukuze uthole imininingwane emayelana nesistimu yokunakekelwa kwempilo yezempi, bheka uMnyango Wezokwelapha Wezempi, Uchazwe .

Ezinye izingxenye kulolu chungechunge