Iindlela ezili-10 zokonga kwiindleko zonyango

Inkampani Umthengi onolwazi unokufumana ukonga okubalulekileyo ukuba uyazi ukuba ujonge phi

Iindleko zokhathalelo lwempilo yinkcitho ebalulekileyo eMelika- ukuya kuthi ga kwi-11,172 yeedola minyaka le umMerika ophakathi , ngokutsho kwamaziko eMedare kunye neeNkonzo zeMedicaid. Ukuthathela ingqalelo ukuba umvuzo wamakhaya ophakathi ungaphaya nje kwe- $ 63,000 (kwaye abaninzi bafumana umvuzo omncinci kakhulu), sisiqwengana esikhulu sohlahlo-lwabiwo mali losapho. Phantse iipesenti ezilishumi zichithwa kwishishini lokuthengisa amayeza.

Ukuphulukana nomsebenzi okubangelwe sisibetho se-COVID-19, kunye nelahleko engqinelanayo ye-inshurensi yezempilo exhaswa ngumqeshi yenze ukuba abantu baseMelika abaninzi bazi ngezikhewu kwinkxaso yabo yezempilo-kwaye ukuba iyindida kwaye kunzima kangakanani na inkqubo ukuhamba.

Kubantu abaneemeko ezingapheliyo kunye neemfuno zonyango lwexesha elide, ukufumana iindlela zokugubungela iindleko zonyango ngaphandle kokophula i-bank yinto yemihla ngemihla. Ngethamsanqa ayizizo zonke iindaba ezimbi. Kwiimeko ezininzi zononophelo lwempilo, umthengi onobuqili unokufumana ukonga okubalulekileyo ukuba uyazi ukuba ujonge phi.

Iindlela ezili-10 zokonga kwiindleko zonyango

Ngokutsho kweengcali zonyango, ezi zezona ndlela zilishumi zilungileyo umntu oqhelekileyo anokugcina ngazo imali kwiindleko zonyango.

1. Vavanya isicwangciso sakho seinshurensi yangoku

Ngaba ufumana okona kunokwenzeka kwisicwangciso sakho seinshurensi? Isicwangciso sakho sichaza iindleko zeendleko zakho ezininzi ezinxulumene nokhathalelo lwempilo. Qiniseka ukuba ufunda isicwangciso sakho kwaye wazi ukuba yintoni egqunywe phantsi kwesicwangciso sakho sangoku (kwaye yintoni engekhoyo).

Oko kuthetha ukuthatha ixesha ukuqonda ukuba yeyiphi na i-copay kunye / okanye iindleko ze-inshurensi yakho, ukuba inkulu kangakanani imali yakho, kwaye ngabaphi na ababoneleli, amaziko okanye izibhedlele ezikwi-network. Kwaye ungalibali ukuqhelana nefomula yeziyobisi ehambelana nesicwangciso sakho. Unokusebenza nomboneleli wakho wezempilo ukutshintsha imigqaliselo ukuze uwele kumaxabiso asezantsi okhuseleko lwakho.

Ukuba isicwangciso sakho sangoku asihambelani neemfuno zakho zangoku zokhathalelo lwempilo, cinga ngokutshintsha ikhava yakho. Nokuba isicwangciso sakho sibucala, umqeshi, okanye sixhaswe ngurhulumente, unokuba nolunye ukhetho olunokubakho olulungele iimfuno zakho.

2. Sebenzisa iinkqubo ukugcina kwimimiselo yakho

Bhalisela ikhadi lokonga ikhemesti.

Amakhadi okonga i-Pharmacy ziinkonzo zasimahla ezibonelela ngezaphulelo kumaxabiso eziyobisi kwikhawuntara yekhemesti. Iinkqubo ezinje Ukhathalelo ikuvumela ukuba ukhangele amayeza akho ukuze ufumane amaxabiso asezantsi kwiikhemesti ezikufutshane nawe. Konke okufuneka ukwenze kukubonisa usokhemesti ikhadi lakho ukuze ufumane ukonga kwangoko kwimimiselo yakho. Unokuzikhuphelela usetyenziso Apha . Ukongeza, ezinye iikhemesti ziyathanda IiWalgreens kwaye Walmart baneenkqubo zokonga ezibhalwe ngugqirha bonke abathengi banokuthatha ithuba.

Buza amayeza enziwe afana nalawo aveliswe ngumenzi xa kufanelekile.

Musa ukucinga ukuba oogqirha okanye oosokhemesti baya kukuyalela ngokuzenzekelayo olona nyango luphantsi olufumanekayo. Oogqirha bahlala beyalela iziyobisi ezinamagama abaziqhelileyo. Amachiza enziwe afana nalawo aveliswe ngumenzi, ayasebenza ngokuchanekileyo njengegama lophawu lweziyobisi kunye iindleko 80% -85% ngaphantsi kwi-avareji . Soloko ubuza usokhemesti wakho ukuba kukho into esebenzayo ngokulinganayo, engabizi mali ininzi yohlobo oluthile kumayeza akho.

Tshintshela kwimiyalelo yoku-odolwa ngeposi.

Ukuba uthatha amayeza afanayo okanye amayeza rhoqo, ungonga imali ngokugcwalisa iRx yakho ngekhemesti yoku-odola ngeposi. I-imeyile yoku-odola iikhemesti zikuvumela ukuba ugcwalise imigqaliselo yakho ngobuninzi, ukuhambisa izinto zeentsuku ezingama-90 endaweni yokubonelela ngeentsuku ezingama-30, rhoqo ngexabiso lesaphulelo. Ngcono nangakumbi — iikhemesti ezininzi zoku-odola ngeposi ziya kusebenza ne Ikhadi lesaphulelo somntu ongatshatanga ukonga nangakumbi.

Ezinxulumene: Ndingawagcina njani amayeza am?

3. Ngamaxesha onke jonga ezivenkileni

Eyona nto unokuyenza ngayo nayiphi na indleko enkulu yokhathalelo lwempilo kukujonga izinto onokukhetha kuzo. Uninzi lwabantu aluqondi ukuba inkqubo efanayo inokubiza amashumi amawaka ngaphezulu kwesinye isibhedlele okanye indawo kunenye okanye xa kusenziwa ngugqirha omnye ngokuchaseneyo nomnye. Ngeenkqubo ezicwangcisiweyo okanye utyando, abaguli banokubiza izibhedlele kwangaphambili ukuba bacele uqikelelo lwe-invoice. Uninzi lwezicwangciso zeinshurensi zikuvumela ukuba ukhangele ababoneleli beenethiwekhi ngaphambi kokucwangcisa idinga. Ezinye izibhedlele kunye neinshurensi bonelela ngezixhobo zamaxabiso akwi-Intanethi kuqikelelo lwexesha elililo .

Ukuba ufuna ukugcina umboneleli wakho wangoku, kufanelekile ukubuza ukuba bayakwazi ukubonelela ngonyango ngexabiso eliphantsi kwindawo eyahlukileyo. Abanye oogqirha basebenza kumaziko amaninzi, zonke ezo zinokuhlawula ngokungafaniyo kwiinkonzo ezininzi ezifanayo. Kuxhomekeke kwisicwangciso sakho sezempilo, ugqirha wakho anganakho ukubonelela ngeenkonzo ezithile, ezinje ngezitofu zokugonya, iinkqubo, okanye ukuvavanywa ngexabiso eliphantsi kwenye indawo. Kuhlala kufanelekile ukubuza ugqirha wakho ukuba ukhathalelo lwakho luya kubiza imali encinci kwenye indawo yonyango.

4. Ziphephe iindleko ezingeyomfuneko

Nyaniseka kwisiqu sakho malunga nemiceli mngeni onokuthi ujongane nayo ngokubambelela kwisicwangciso sonyango okanye ugcwalise amayeza. Ukuchonga ukulinganiselwa kwakho kwemali kuya kukunceda unciphise imibuzo efanelekileyo yokubuza isicwangciso sakho se-inshurensi kunye nomboneleli wakho wezempilo malunga nendlela yokufumana iindleko ezingaphantsi. Okokugqibela, zibuze ukuba ngaba uyaludinga ngokwenene uvavanyo, amayeza amiselweyo, okanye inkqubo ekucetyiswe ngayo. Fumanisa ukuba ngaba ikhona enye indlela, ixabiso elingabizi kakhulu elinokusebenzela wena.

5. Musa ukoyika ukuthetha-thethana ngamaxabiso

Isenokungabonakali ngathi injalo, kodwa amatyala amaninzi amakhulu esibhedlele ziyaxoxwa . Izibhedlele ezininzi zibonelela ngokurhoxa, izaphulelo zemali, okanye izicwangciso zoncedo. Qinisekisa ukufowunela isebe lokuhlawula kwaye ubuze ukuba kukho izaphulelo ezikhoyo okanye ukuba banakho ukuhambisa nayiphi na imali ehambelana nayo. Isebe lokuhlawula liya kuba nakho ukubonelela ngolwazi malunga nokuseka isicwangciso sentlawulo esingafumani mdla.

6. Sebenzisa izibonelelo zasimahla

Iiklinikhi zasekuhlaleni zinokubonelela ngovavanyo oluthile lwezempilo simahla okanye kwisikali esityibilikayo-kwaye uninzi lweendleko ezinkulu zinenkqubo zokukuvumela ukuba ufumane unyango ngaphandle kwendleko.

Iinkonzo zokuthintela : Ukuba ukhuselekile kwi-inshurensi, uninzi lufihla ukuvavanywa simahla sonyaka, njengovavanyo lonyaka okanye lomfazi olungileyo- akukho kopopay iyafuneka. Jonga ngesicwangciso sakho ukubona ukuba ungasisebenzisa na esi sibonelelo.

Ezinxulumene: Ulufumana njani ulawulo lokuzalwa ngokukhululekileyo

I-insulin: Umbutho weSwekile waseMelika uqikelela ukuba izigidi ezingama-34.2 zaseMelika baphila nesifo seswekile. Njengoko ixabiso le-insulin liqhubeka nokunyuka, ayimangalisi into yokuba abantu abaninzi abaphila nesifo seswekile besokola ukuhlawulela unyango. Kwiminyaka yakutshanje, nangona kunjalo, abavelisi bekhemisi benze iinkqubo ezibonelela nge-insulin yasimahla okanye enesaphulelo. Uninzi lwabavelisi bekhemisi banikezela Iinkqubo zoncedo lwe-insulin . Ukongeza kwezi nkqubo, amakhadi ezaphulelo ekhemesti, njenge-singleCare, anokunceda abo baphila nesifo seswekile ukuba bafumane ikhemesti ebonelela ngexabiso elithengekayo nge-insulin.

Ezinxulumene: Ungazifumana njani izinto zasimahla zeswekile

Isitofu: Ngokuchasene nobulumko obudumileyo, ezona zitofu zifikelelekayo azisoloko zifumaneka kwiiklinikhi zempilo yoluntu. Zininzi amaziko ezempilo asekuhlaleni kunye namasebe ezempilo karhulumente ukubonelela ngogonyo lwasimahla okanye olunesaphulelo kubantu abadala abangaqinisekiswanga okanye abangaphantsi kwe-inshurensi, kodwa zikhona ezinye iindlela zokonga kwiindleko zokugonya . Abavelisi bamachiza bathanda Igama lebrand kwaye Pfizer bonelela ngeenkqubo zoncedo lokuhlawula abantwana kunye nabantu abadala. Ukugcina ubuninzi, kubalulekile ukuba ujikeleze kwaye ubone ukuba loluphi ukhetho olulungele wena.

Ezinxulumene: Ndisifumana njani isaphulelo okanye ukukhulula umkhuhlane?

7. Bhalisela i-HSA okanye i-FSA

Ukuba unayo i-inshurensi yezempilo, Isicwangciso esine-HSA (iakhawunti yokonga impilo) okanye i-FSA (iakhawunti yenkcitho eguqukayo) inokukunceda ukuba wonge imali kwiindleko zakho zonyango ezingaphandle. Zombini iiakhawunti zikuvumela ukuba unikele ngenxalenye yengeniso yakho yangaphambi kwerhafu, enokusetyenziselwa ukuhlawulela iindleko zonyango ezifanelekileyo, kubandakanya iikopi, ukuqinisekiswa kwemali, imigaqo kunye nokunye. Funda ngakumbi malunga nokwahluka kwesicwangciso ngasinye Apha .

Gcina ukhumbula ukuba kwi-2018 usapho oluqhelekileyo lwaseMelika lusebenzise i-28,166 yeedola kwiindleko zonyango, i-83% yayo iye kwiinkampani zeinshurensi, utsho UDeane Waldman , MD, MBA, uprofesa ovela kwiPediatrics, iPathology, kunye neSigqibo seNzululwazi kwiYunivesithi yaseNew Mexico. Khawufane ucinge xa ​​bebeka loo nto kwi-HSA minyaka le!

8. Fumana unonophelo olufanelekileyo

Xa ungaziva mnandi, kunomdla ukuba uye kwindawo yokuqala yokhathalelo. Nangona kunjalo ayizizo zonke iindlela zokubonelela ngendleko ezifanayo. Zibuze-ngaba kufuneka undwendwele igumbi likaxakeka okanye ungalinda ixesha lokubonana nomnxibelelanisi wenethiwekhi? Olu khetho lunee-copays ezihluke kakhulu, kwaye zinokukusindisa amakhulu eedola, kuxhomekeke kumcimbi ekufuneka uwujongile.

Ukuba i-inshurensi yakho iyayigubungela, jonga ukuba ungabonisana nagqirha ngomnxeba okanye ngokuqeshwa nge-telehealth endaweni yokundwendwela umntu. Kulabo bafanelekayo, ukuqeshwa kwezefowuni kunokuvelisa ukonga okubonakalayo ngokuhamba kwexesha. Ngokomnye uphando, I-avareji yeendleko zokuqeshwa kukagqirha oqinisekileyo yi- $ 40- $ 50, ngelixa kwa loo mntu uya kubiza malunga ne- $ 176 kutyelelo ngalunye. Olu khetho luye lwathandeka ngakumbi ekukhanyeni kobhubhane wangoku, kuba ifuna umngcipheko omncinci wosulelo kwizigulana nakubaboneleli. ISebe lezeMpilo laseMelika kunye neeNkonzo zoLuntu ( HHS ) uthathe amanyathelo okwandisa ukufikelela kwiinkonzo zethelevishini.

Qiniseka ukuba ujonga i-inshurensi yakho kwaye uthethe nomboneleli wakho ukubona ukuba yeyiphi eyona nto ikusebenzele.

9.Uphonononge amatyala akho (kunye neempazamo zesibheno)

Ngoku ka Umthengi wezeMpilo olungileyo , kukho amanyathelo asisiseko ekufuneka uwathathe nanini na xa ufumana ibhili enkulu yonyango. Kuqala, qiniseka ukuba ufumana irisithi enezinto. Imveliso nganye kufuneka idweliswe ngokwahlukeneyo kunye neendleko ezinxulumene nento nganye eyaphukileyo. Ukubhekisa emnqamlezweni ezi nkqubo kunye neendleko zazo kunye nenkcazo yeinshurensi yakho yezempilo (EOB) ukuqinisekisa ukuba akukho kungangqinelani. Ukuba ufumana impazamo, qiniseka ukubiza inkampani yakho yeinshurensi kunye nesibheno. Ukuba unemibuzo malunga nokuba kutheni uhlawuliswe inkqubo ethile, amayeza, okanye uvavanyo, kuhlala kungumbono olungileyo ukubiza ugqirha okuhlawulisileyo akubuze. Gcina zonke iirisithi kunye nobungqina bentlawulo ukwenza izibheno zibe lula kangangoko kunokwenzeka.

Ziqhelanise nokhathalelo lokuthintela

Enye yezona zinto zibalaseleyo onokuzenza ukunciphisa iindleko zexesha elide zokhathalelo lwempilo kukuseka impilo yemihla ngemihla kunye nokuba sempilweni okusebenzela wena. Ndicinga ngokutya okunesondlo, ukuzilolonga rhoqo, kunye nokulawula uxinzelelo njengemilenze emithathu ye-tripod enceda ukuzinzisa impilo yomntu, utsho UJulie Cunningham , Ingcali yokutya kunye neswekile ebhalisiweyo kunye nengcali kwezemfundo esekwe eNorth Carolina. Ukuba ulahlekile enye okanye enye, i-tripod yakho iya kuguquka. Xa ufumene bobathathu, impilo yakho inesiseko esiqinileyo ngokwenene. Ukuhlala uhlanjululwe ngamanzi, ukuhamba uhambo lwemihla ngemihla, ukuyeka ukutshaya, ukusela utywala obuninzi, okanye ukwenza utshintsho olusempilweni kunokuba nefuthe elibonakalayo kwimpilo yakho yexesha elizayo kunye nokuthintela iindleko ezizayo.

Ezinxulumene: Uyifumana njani iChantix yasimahla (nangaphandle kweinshurensi yezempilo)

Ezi ndlela ziindlela ezilungileyo zokufumana ukonga okongeziweyo kwiindleko zemihla ngemihla zokhathalelo lwempilo. Nokuba ungaliphi inqanaba leinshurensi onayo, akukho sizathu sokuhlawula ngaphezulu kwemfuneko kunyango lwakho!