Ukuba ungumhambi ohamba rhoqo, kusenokwenzeka ukuba ukhe weva ukwahluka kweli bali liyoyikisayo: umntu waseMelika uhamba kwindawo ekude xa ephula umlenze kwaye kufuneka ahanjiswe ngenqwelo moya esibhedlele ukuze afumane unyango.

Ithambo liyaphola ngaphandle kwesehlo. Umhambi, nangona kunjalo, ubambekile kumthetho osayilwayo wokufuduka kula manani mathandathu. Ukuba kuphela wayethenge i-inshurensi elungileyo.

Kodwa awudingi ukuba ungene nzulu endle ukuze uzuze kwi-inshurensi yezempilo yokuhamba; Kukho iindlela ezinqabileyo kakhulu zokuba amatyala onyango anganyuka ngelixa usendleleni. (Ewe, nkqu nakwilizwe elinononophelo lwempilo kubuzwe.) Njengalo naluphi na uhlobo lweinshurensi, into oyithengayo ekugqibeleni yehla kwindlela obeka ngayo umngcipheko. Kodwa kuxhomekeke ekubeni loluphi uhlobo lokugubungela osele unalo, apho uhamba khona, kwaye Njani uyahamba. Nantsi into ekufuneka uyigcine engqondweni.

Fumanisa ukuba uyagutyungelwa na.
I-inshurensi yakho yezempilo yasekhaya inokukunika ngokuzenzekelayo ukufunyanwa kwamanye amazwe. Uninzi lwezicwangciso ezisemgangathweni ezivela kubanikezeli abakhulu beinshurensi, kubandakanya iAetna, iCigna, kunye neBlue Cross kunye neenkampani zeBlue Shield, zibandakanya izibonelelo zoncedo olungxamisekileyo kunye nolukhawulezileyo phesheya. Enye into ephawuleka ngokungafaniyo yiMedicare, engagubungeliyo naziphi na iindleko zonyango ezenziwe ngaphandle kweMelika. Ngenxa yoko uyakufuna ukuthenga uhlobo oluthile lwesicwangciso seMediGap (bona amayeza.gov ukhetho).

Nokuba isicwangciso sakho sigubungela ukhathalelo olungxamisekileyo phesheya kolwandle, yazi ukuba inkcazo yakho yexesha likaxakeka ingahluka kuleyo ye-inshurensi yakho. Ukukhawuleza okanye ukukhathazeka kwamazinyo kunokubeka i-crimp ekuhambeni kwakho, kodwa kungenakufaneleka njengemeko yonyango efuna unyango, ngokwe-inshurensi yakho. Ezinye izicwangciso zokhathalelo olulawulwayo zifuna ukuba ufumane isigunyaziso ngaphambi konyango. Funda ipolisi yakho ngononophelo.

Fumana inkxaso eyongezelelweyo.
Ukuba unayo nayiphi na inkxalabo malunga nomgangatho wenkqubo yezonyango kwindawo oya kuyo, unokufuna ukuthenga umgaqo-nkqubo wezempilo wokuhamba, kuzo zombini ezongezelelweyo zokugubungela kunye noncedo lwasendleleni uninzi lwezi zicwangciso zibonelela. Inqanaba lokhathalelo olufumanayo kwi-inshurensi yokuhamba ekhethekileyo yahluke ngokupheleleyo kwinto onokuyifumana nomboneleli wakho oqhelekileyo, utshilo uJim Grace, umongameli kunye ne-CEO yewebhusayithi yokuthelekisa i-inshurensi. InsureMyTrip . Izicwangciso zempilo yokuhamba zihlala zinikezela ngeeyure ezingama-24 zoncedo lwabasebenzi abangabahlengikazi; ukuhanjiswa koogqirha abakhulelweyo kwihlabathi liphela; uncedo lwamayeza kagqirha; nkqu neenkonzo zokuguqulela. (Qaphela: amanye amakhadi etyala e-premium, afana neAmerican Express Platinum, anikezela ngeenkonzo ezifanayo, kodwa ungabandakanyi i-inshurensi yezempilo.) Ungathenga umgaqo-nkqubo wokuma wedwa ngemali encinci njenge- $ 10 kwiinkampani ezinje Imida yeMida okanye uyiqokelele ngogqithiso lokurhoxiswa kohambo kunye nokuphazamiseka kwi-inshurensi enje umanyano okanye Unogada wokuHamba . (Jonga InsureMyTrip ukhetho.)

Ezi zicwangciso zinokuba nesisa ngakumbi ekugubungeleni kwabo kunabanikezeli beinshurensi kwezempilo, benikezela ngembuyekezo kukhathalelo lwamazinyo olungxamisekileyo, ukugcwaliswa kwemithi, kunye nonyango lwezifo ezingasongelanga ubomi. Qaphela ukungabandakanywa kwiimeko ezikhoyo, nangona kunjalo. Unokuhlala ubasusa xa uthenga i-inshurensi kwiiveki ezimbalwa zokubeka idipozithi kuhambo lwakho.

Yenza isicwangciso sokuphuma.
Esinye sezikhewu ezinkulu zokugubungela izicwangciso zabaqeshi kukufuduka kwezonyango-imeko eyoyikisayo yokuhamba ngenqwelomoya enokukushiya ungene nzulu ematyaleni. Akukho namnye kwiinkampani ezinkulu ezilawulwa kukhathalelo ezihlawula iindleko zothutho ezinjalo; Imigaqo-nkqubo emininzi yohambo iyayenza, nangona amanqanaba ezibonelelo ahluka kakhulu. Eyona nkxaso iphambili (ikwanikezelwa ngamakhadi etyala e-premium) aya kukufudusela kwisibhedlele esifanelekileyo okanye esifanelekileyo, ngokokubona kukagqirha okanye i-inshurensi. Kwinqanaba eliphezulu ziinkonzo ezivela kwiinkampani ezikhethekileyo ze-medevac ezinje IMedjetAssist kwaye Kumnxeba wamanye amazwe Oku kukuvumela ukuba ubone ukuba sesiphi isibhedlele esona silungileyo-nokuba oko kuthetha ukuqesha inqwelo moya ukubuyela eMelika. Ezi nkampani zisekwe kubulungu zikwabonelela ngokudluliselwa kwezonyango kunye nolunye uncedo lokuhamba, nangona benganikezeli nge-inshurensi kwaye abanoxanduva lwayo nayiphi na imali yonyango. Phantse kuzo zonke izicwangciso, uzakufuna imvume kwangaphambili kuwo nawuphi na amalungiselelo othutho.

Vavanya iingozi.
Imigaqo-nkqubo emininzi ayibandakanyi ukwenzakala okuqhubekayo ngelixa ushukuma ngokuntywila, uhamba ngeparasailing, okanye bungee-jumping. Ukuba ucwangcisa uhambo olunomdla, jonga isicwangciso kunye nomkhweli wezemidlalo. Kwaye ngazo zonke iindlela, ungazenzakalisi xa uphantsi kwempembelelo yotywala. Ukuba oko kuyenzeka, uwedwa.

Unengxaki yokuhamba? Ngaba ufuna iingcebiso kunye namayeza? Thumela imibuzo yakho kumhleli weendaba u-Amy Farley ku uhambo lokufunda@timeinc.com . Landela @iqosweb Kwi-Twitter.