Iindlela ezi-5 zokufumana uncedo ngeendleko zonyango xa ungenayo i-inshurensi
InkampaniUkuhlawula iindleko zonyango kuyothusa ngokwaneleyo, mayeke ukuba awunayo i-inshurensi yezempilo. Ngo-2019, I-137.1 yezigidi zaseMelika Ndizabalazile ubunzima bezemali. Ngelixa uhlahlo-lwabiwo mali lweendleko zokhathalelo lwempilo lunokunceda, kukho iindlela ezongezelelekileyo zokunciphisa ityala lezonyango kunye nokufumana uncedo ngeendleko zonyango.
Ezinxulumene: Iinkcukacha manani zamatyala ezonyango ngo-2020
Ukuhlawula iindleko zonyango ngaphandle kweinshurensi
Ukuba uzifumana ungxamisekileyo kwezonyango olusongela ubomi, kuya kufuneka uye kwigumbi likaxakeka elikwisibhedlele esikufutshane, nokuba ungubani na kwi-inshurensi. Nangona kunjalo, ukuba imeko yakho yonyango ifuna ukunyangwa kodwa ayisiyiyo yitsho , unokwazi ukufuna ukhathalelo olufikelelekayo ngakumbi kwiziko lononophelo olungxamisekileyo. Iikopa kunye neendleko zokuphuma epokothweni zihlala zitshiphu kumaziko ononophelo olungxamisekileyo kunaleyo kuya kufuneka uyihlawule kwigumbi likaxakeka. Inkqubo ye- Umbutho weSizwe weeKlinikhi zasimahla neziNcedo unokufumana iklinikhi ekhompyutheni onokuyisebenzisa ukukhangela unyango olufikelelekayo kufutshane nawe.
Ngokomthetho, awunakho ukwaliwa kukhathalelo lonyango kuba awunaso isicwangciso seinshurensi yezempilo okanye awunakho ukuhlawula. Ke uhlawula njani iindleko zonyango ngaphandle kweinshurensi? Nazi iindlela ezintlanu zokonga imali zokuhlawula iindleko zonyango ngaphandle kweinshurensi.
1. Hlaziya amatyala akho ngeempazamo
Iimpazamo ziyenzeka, nkqu nakwiindleko zonyango. I-typo enye inokwenza umahluko phakathi kokuba inkonzo ayigutyungelwanga okanye iyaliwe yinkampani yeinshurensi. Inkqubo yokuhlela kunye nekhowudi Ngokukodwa xa uninzi lweenkonzo zenziwa, kunokuba ngumceli mngeni kuye nawuphi na umsebenzi wezempilo.
Ukuphonononga amatyala akho ezonyango kunye neendleko zokhathalelo lwempilo ngomgca kwaye ujonge iimpazamo. Unokuhlawuliswa ngeenkonzo ongazange wazifumana. Uphando olunzulu lunokufumanisa ungeniso oluphindwe kabini okanye ezinye iindleko ezingachanekanga.
Ukuya kuthi ga kwiipesenti ezingama-80 zeebhilidi zonyango zineempazamo, ngokweqela lamagqwetha abhatalayo Sombulula . Funa uncedo kwiqela elikhuthazayo ukuba ufuna uncedo lokuphonononga iphepha lakho leendleko zonyango. Unokucela ukuba uphonononge iindleko zakho zonyango kunye nesebe lokuhlawula. Unontlalontle okanye ugqwetha wezigulana naye unokufumaneka ukuze akuncede kwiziko lakho lezempilo.
2. Cela isaphulelo
Ukuthetha-thethana ngebhili esezantsi sesinye isicwangciso sokunceda ukunciphisa iindleko zonyango. Umzekelo, emva kokujonga i-invoice yakho, ungaqaphela iifizi zesibhedlele zeenkonzo ebezingeyomfuneko. Ungacela intlawulo ethile ukuba isuswe okanye isuswe kwityala. Ngelixa oku kungaqinisekiswanga ukunciphisa ityala lakho, kufanelekile kumzamo wokubuza. Unokumangaliswa.
Kananjalo, unokukwazi ukuxoxa ngebhili esezantsi ukuba awukwazi ukuhlawula yonke intlawulo kodwa unokuhlawula isixa esibalulekileyo. Endaweni yokumisela isicwangciso sokuhlawula, unokukwazi ukuhlawula ityala olityalwayo kwisixa esisezantsi ngesixa-mali. Buza umlawuli weofisi yokuhlawula ukuba esi sisisombululo esinokubakho na abanokusijonga. An Cela ukuhlawula ngesixa semali inokuba luncedo, ngakumbi ukuba ityala lakho lijike lababolekisi, kwaye ucinga ngokugcwalisa njengongenamali.
Xa ufuna unyango kwi-ofisi kagqirha, ngakumbi ngaphandle kwe-inshurensi, ungabuza umboneleli wakho wezempilo ukuba banikezela ngezaphulelo kwizigulana ezihlawula ngokupheleleyo okanye ngekheshi. Ukubuza malunga nezaphulelo kunokunciphisa uxinzelelo olunxulunyaniswa netyala lemali yonyango.
3. Landela umboneleli wakho weinshurensi
Nokuba unomgaqo weinshurensi, unokufumanisa ukuba iinkampani ezininzi zeinshurensi zigubungela kuphela icandelo leendleko zonyango ezinxulumene nonyango kunye namayeza. Ke, ukuba unayo enye indlela yeinshurensi, kodwa usenayo imali yonyango engaphaya kwento onokuyihlawula, jonga kwinkampani yeinshurensi yakho ukuze ubone ukuba ngaba akukho ntlawulo inokurhoxiswa.
Inkqubo yokubhena ngokusesikweni inokufuneka ukunciphisa ibhalansi yakho. Cela inkcazo ngezibonelelo kumboneleli wakho weinshurensi ukuze ufunde okungakumbi malunga nokuba zeziphi na izinto ezikwiibhili zakho zesibhedlele ezinokuhlawulwa.
4. Ngena kwisicwangciso sentlawulo
Ngamanye amaxesha, kuya kufuneka ufumane unyango oludingayo kwaye ugxile kwindlela yokuyihlawula emva kwenyani. Akuqhelekanga ukuba izigulane zihlawule iindleko zonyango ngesicwangciso sokuhlawula. Kwaye abantu abane-inshurensi yokuhlawula i-inshurensi banamatyala aphezulu ezonyango, iikopi kunye nezinye iifizi ezingaphandle kweepokotho
Nxibelelana nesebe lokuhlawula amatyala esibhedlele ukuze ufunde okungakumbi malunga neenkqubo zokuhlawula. Abaqokeleli bamatyala abaninzi okanye abantu abakwisebe lokuhlawulisa banomdla wokusebenza nabantu abafuna ukuhlawula amatyala abo. Qiniseka ukuba ufunda ushicilelo olungileyo nangona; ezinye izicwangciso zokuhlawula zibiza inzala.
5. Yenza ibango lokuncitshiswa kweendleko zonyango kwiirhafu zakho
Iindleko zonyango ezifanelekileyo zinokutsalwa kwirhafu . Inkonzo yangaphakathi yeNgeniso (IRS), ibona unyango oluninzi, kubandakanya amazinyo, ukhathalelo lwamehlo, utyando, kunye nokhathalelo lokuthintela njengokutsalwa kwerhafu. Amayeza, iiglasi, amazinyo emboleko, izixhobo zokuva, kunye nezinye izixhobo zonyango zinokutsalwa zirhafu ngokunjalo.
I-IRS ikwajonga iindleko zokuhamba kwisithuthi sakho, iifizi zokupaka, iindleko zebhasi, njalo njalo njengeendleko zonyango ezitsalwayo. Zonke ezi ndleko zingongezwa. Ukuba uziqeshile , uyakwazi ukubanga zonke iintlawulo zakho ze-inshurensi yempilo, nayo, enokuba sisikhuthazo sokubhalisa kwisicwangciso seinshurensi yezempilo.
Ukusukela ngo-2020, iindleko zonyango ezingaphezulu kwe-10% (eyayisakuba yi-7.5%) yabantu okanye ingeniso ehlengahlengisiweyo yekhaya (i-AGI) iyatsalwa. Qhagamshelana nomgcini zincwadi zemali ukuba unamatyala amaninzi kunye neendleko zonyango.
Ngubani onokunceda kumatyala ezonyango
Iinkqubo zoncedo lomonde kunye nezibonelelo
Iinkqubo zoncedo lwezezimali zetyala lezonyango zinokufumaneka ngesibhedlele okanye eminye imibutho yasekuhlaleni. Buza ukuba kukho naziphi na izibonelelo okanye inkxaso-mali yezonyango olungele yona. Iinkonzo zezeMpilo zaseSamariya , Isiseko seUnitedHealthcare Children's , kunye Isiseko seMpilo Yimibutho emithathu kuphela kwimibutho engenzi nzuzo enikezela ngoncedo lwezezimali kubantu nakwintsapho ezineendleko zonyango.
Ukulungela kuhlala kuhlala kusekwe kwingeniso, ke kungafuneka ungenise ulwazi lwezezimali, kubandakanya ukuhlawula imali okanye ulwazi lokubuyisa irhafu, njengenxalenye yenkqubo yesicelo sakho.
Iimali zesisa zinokunciphisa kwaye ngamanye amaxesha zide zigubungele ngokupheleleyo ityala lezonyango. Ke, ukuba wena okanye umntu omaziyo unengxaki yokuhlawula iindleko zonyango, jonga izibonelelo kwiicawa zasekuhlaleni kunye nemibutho engenzi nzuzo, kunye namaqela esizwe kwi-Intanethi. Ingxowa-mali elungileyo yama-samaritan isenokufumaneka kwiziko lempilo apho uye wafumana unyango.
Unyango
Ukuba unomvuzo ophantsi, ungummi osele umdala, okanye uneendleko zonyango ezingaphaya kokuhlawula, unokufanelekela Unyango . I-Medicaid yinkqubo exhaswa ngemali ngurhulumente. I-Medicaid inokuhlawula inxenye okanye lonke unyango kunye nemigqaliselo oyifunayo. Ngelixa unokulungela ukufumana intlawulo yokubuyisa iinkqubo ngaphambi kokuba zamkelwe, unokuqiniseka ukuba unyango kunye namayeza exesha elizayo aya kugutyungelwa ukunciphisa iindleko zakho zonyango.
Ukhathalelo
Amayeza amiselweyo ahlala enexabiso kwabangaqinisekiswanga. Ukusetyenziswa gwenxa kweziyobisi kuya kunyuka malunga ne-6.3% ngonyaka ukusukela ngo-2016 ukuya ku-2025, ngokuka Iziko leMedicare kunye neeNkonzo zeMedicaid (CMS). Enye indlela yokonga kwiindleko zokuyalelwa yinkonzo yokonga njenge-SingleCare. Ukhathalelo inokukugcina ukuya kuthi ga kuma-80% kwiyeza lakho, kwaye isimahla.
Kukho ezinye iindlela zokonga imali xa kufikwa kunyango. Ababoneleli ngezeMpilo bahlala bephethe iisampulu zamayeza kagqirha. Ukucela umboneleli wakho ngesampulu yasimahla kungakongela imali. Unokuphinda ubuze malunga nenye indlela okanye iifom zohlobo oluqhelekileyo amayeza akho. Umboneleli wakho wezonyango okanye usokhemesti unokukwazi ukukunceda ufumane isisombululo esifikelelekayo kumayeza abizayo.
Okokugqibela, amaxabiso ekhemesti awafani. Thenga ujikeleze.Ikhemesti ekufuphi inokuwathwala amayeza akho ngexabiso eliphantsi kakhulu. Khangela amayeza akho kwaye ufake ikhowudi yakho kwi-zip singlecare.com ukufumana ikhemesti ekufutshane nawe ngexabiso eliphambili lokuyalelwa ngugqirha.
Kwenzeka ntoni ukuba awukwazi ukuhlawula amatyala akho ezonyango?
Ngelishwa, ngaphandle kwemizamo yabo, abantu abaninzi abanakho ukuhlawula iindleko zabo zonyango. Iindleko zonyango sisizathu sokuqala sokuba abantu baseMelika bahambe ndibhengeze . Ekugqibeleni, amatyala ezonyango okanye angahlawulwanga athunyelwa kwiarhente yokuqokelela.
Ngaba iindleko zamayeza ziyayichaphazela ityala lakho?
Ukuba amatyala ezonyango awahlawulwa, ahlawulwa kancinane, okanye ahlawulwa ngexesha, anokujikelwa kwinkampani eqokelelayo. I-arhente yokuqokelela iya kukwazisa ngokudluliselwa kwetyala kwaye ikubonelele ngeentsuku ezili-180 ukusuka kumhla wesaziso ngaphambi kokuba wazise iziko lamatyala ngetyala. Nje ukuba iziko lamatyala liwamkele amatyala ezonyango angahlawulwanga kwinkqubo yawo, amanqaku akho etyala aya kubonisa ityala lakho elingekahlawulwa.
Iindleko zonyango zizakuhlala kwingxelo yemboleko iminyaka esixhenxe. Nangona ityala lezonyango lishenxiswa kwimbali yamatyala, unyanzelekile ngokusemthethweni ukuba uhlawule ityala. Ngaphandle kokuba ufake ifayile njengongenamali.
Ngaba unokufaka ifayile yokutsala ngokungabinamali kwiirhafu zonyango?
Ukugcwalisa ukufela njengongenamali kungaziva njengehlazo elingafunekiyo, kodwa ngekhe ube wedwa. Phantse 62% Ukuphelelwa yimali eMelika kunxulumene nemicimbi yezonyango, ngokweAmerican Journal of Medicine. Ukuchaphazeleka ngokunxulumene namatyala ezonyango kufayilishwe phantsi kweSahluko 7 okanye iSahluko 13. Ikhowudi yokuNgabinamali ithathela ingqalelo ityala lezonyango elifana netyala letyala. Ngamanye amagama, ityala lonyango kunye namatyala ngamatyala angakhuselekanga ekungafuneki ukuba uhlawule ukuba ubanga njengongenamali.
Kwiimeko ezininzi, ukugcwalisa ngokungabinamali akufuneki ukuba ube negqwetha, kodwa kuyacetyiswa kakhulu. Xa ugcwalisa ngokungabinamali, kuyakufuneka ubonelele ngayo yonke ingeniso yekhaya okanye yosapho, kubandakanya nengeniso yeqabane lakho. Olunye ulwazi malunga nepropathi yakho, izithuthi, ukuthengiswa kwezindlu, kuya kufuneka kuxelwe. Kuya kufuneka uxele nakuphi na ukuthengisa okutsha okanye ukuhanjiswa kwepropathi, ingeniso kunye namatyala njengenxalenye yenkqubo.
I-Bankruptcy ichaphazela ityala lakho ngaphandle kwesizathu soko. Inqanaba lakho letyala liya kwehla, kwaye ukubhengezwa njengongenamali kuya kuvela kwirekhodi yakho yamatyala iminyaka esixhenxe ukuya kweli-10. Ngesi sizathu, unokufuna ukuqaphela ukubhengezwa njengongenamali njengokhetho lokugqibela.
Iindleko zonyango zinokuba ngumthwalo onzima onokukwenza uzive ukhathazekile kwaye unganathemba. Nangona kunjalo, akufuneki kube njalo. Ukuba unengxaki yokuhlawula iindleko zakho zonyango, funa uncedo kwakamsinyane kunokuba kamva. Unokukhetha okuninzi ukufumana uncedo ngeendleko zonyango.
