Ichi ndi chifukwa chake n'kofunika kufufuza mosamala mpikisano wogwira ntchito ogwira ntchito komanso kumvetsetsa momwe angakuthandizireni kuti mukwaniritse zosowa zanu komanso zachuma.
Pamene mukuyendetsa kufufuza ntchito, apa pali zinthu zowonjezereka zomwe ogwira ntchito amapindula nazo zikuphatikizapo:
Wogwira Ntchito Zonse Amapindula Mipingo Yophatikiza
Poganizira zopindula zomwe abwana atsopano amapindula, ganizirani za mwezi kapena malipiro omwe mudzakhala nawo komanso zomwe abwana amavomereza. Ngakhale ndalama zowonjezera zimachotsedwa ku msonkho wanu wa msonkho, izi zingakhudze malipiro anu apachaka ndi kutenga malipiro a kunyumba. Onetsetsani kuti mumvetsetsa momwe izi zidzakhalire.
Mufunanso kuti muzindikire chaka chilichonse kuchokera ku thumba la deductible, lomwe lingakhale lapamwamba kuposa $ 10K payekha pulogalamu yapamwamba yopereka chithandizo chamankhwala, mpaka mutadziwa momwe inshuwalansi yanu idzaperekere ndalama zamankhwala. Mudzafuna kudziwa nthawi yowonjezera, pamene amatha kusiya ntchito, komanso ngati pali chilango chodikirira kufikira nthawi yolembera nthawi yowonjezera m'malo molipidwa.
Ngati muli ndi chithandizo chachipatala pakalipano, mungawone ngati ntchitoyo ikubwera ndi ndondomeko yabwino kapena ngati mukuyembekeza kuti mugwiritse ntchito ndalama zanu zapakale chaka chino. Izi zingakhale zofunikira makamaka ngati mukuyembekeza njira zamankhwala zamakono zomwe zingabwere kapena kubadwa kwa mwana.
Mvetserani Malamulo Achipatala ndi Odzipereka
Ndondomeko iliyonse yachipatala komanso yaufulu idzakhala ndi malamulo ake enieni omwe angagwiritsidwe ntchito. Palinso mitundu yosiyanasiyana ya mapulani, monga Maintenance Organisations ndi Chofunikiranso Chosankha. Mungathe kugwiritsa ntchito madokotala omwewo ndi malo osowa kuchipatala omwe muli nawo tsopano ngati ali pa intaneti. Koma ngati sali, mukhoza kupemphedwa kuti muzisankha wothandizira watsopano ndikusintha pa intaneti yatsopano.
Kumbukirani kuti mapulani ena angakhale ochepa mu machitidwe omwe amaperekedwa, monga chisamaliro chokhazikika ndi chisamaliro cha thanzi. Zolinga zina zimapereka chisamaliro chosamalitsa choteteza kubisa zinthu monga mammograms, flu fluts, ndi zina. Sizinthu zonse zomwe zimaphatikizapo kupeza mwayi wopindulitsa mankhwala. Musanavomereze mapinduwa, funsani ndi mtsogoleri wothandiza anthu kuti mudziwe zambiri pa zolepheretsa kukonzekera, ndi malamulo.
Pezani Chidziwitso pa Kampani Kufanana ndi Mapulani Otsalira
Posankha kugwira ntchito kapena ayi, kumvetsetsa ngati kampani ikupereka phindu lililonse la ndalama monga ndondomeko yosungirako ndalama, malonda a malonda, inshuwalansi yolemala, ndi njira zina zotetezera ndalama. Makampani ena amagwirizanitsa zopereka za ndalama za dollar (za ndalama !), Pamene ena amaika gawo la ndalama za kampani kukhala nkhani yapadera kwa wogwira ntchito aliyense.
Ganizirani zofunikira zapakati pazinthu zopuma pantchito ndipo ngati izi zili pulogalamu yaufulu kapena yovomerezeka. Makampani ena amafuna kuti ogwira ntchito onse agwire nawo ntchito zothandizira ndalama, kuchotsera pafupifupi 5 peresenti ya malipiro aakulu mwezi uliwonse kuti azilipiritsa izi. Komanso, mufunafuna ntchito, samalirani momwe kampani ikugwirizanirana zopereka komanso zomwe zilipo.
Phunzirani za Nthawi Yowonjezera Yopindulitsa
Makampani ambiri amafuna kukhala osangalala komanso ogwira ntchito, choncho, kunja kwafupipafupi, amapereka zina zowonjezereka monga nthawi yowonjezera yoperekedwa kuchokera ku ndondomeko. Ichi ndi chinthu chomwe muyenera kuyang'ana kuti muwone ngati muyenera kuyembekezera kuti mugwiritse ntchito phindu ili kapena ngati masiku operekedwa akupezeka nthawi yomweyo. Ganiziraninso ngati mutakhala ndi zosowa zapadera pa nthawiyi chaka chino, monga tchuthi zomwe munakonzekera kapena kutenga nthawi yobereka, musanavomereze ntchito.
Mawu kwa anzeru - onetsetsani kuti muyese phindu lililonse loperekedwa ndi kampani yatsopano yotsutsana ndi zomwe wapatsidwa ndi ndondomeko ya mnzanuyo. Mwinamwake mungasinthe popanga ndondomekoyi chifukwa cha ndalama kapena zopindulitsa.