Umbona njani ugqirha xa ungenayo i-inshurensi yezempilo

Inkampani

Ukuba uyagula, wenza idinga ukuze ubone ugqirha, akunjalo? Ewe, ukuba use-United States kwaye ungomnye wabantu abaninzi abangaqinisekiswanga okanye abangaqinisekiswanga, ukufumana unyango akulula kangako. Inkqubo yokhathalelo lwempilo inokubiza kakhulu kwabo bangenayo i-inshurensi-okanye abo i-inshurensi ingagubungeli ngokwaneleyo. Ke, umbona njani ugqirha ngaphandle kweinshurensi yezempilo? Ngethamsanqa, kukho iindlela ezimbalwa ezikhoyo. Nangona kunjalo, ziyahluka ngendawo ohlala kuyo, luhlobo luni lonyango olufunekayo, kunye nezinye izinto ezichaphazela imeko yakho.

Umbona njani ugqirha ngaphandle kweinshurensi

Okokuqala nokuphambili, abantu akufuneki bakuphephe ukuya kugqirha ngokungqongqo ngenxa yeendleko. Ingadla impilo yakho kunye nesipaji sakho emgceni ukuba uhlehlisa ukufumana unonophelo olifunayo. Nokuba awunayo i-inshurensi yezempilo, usenokubona ugqirha kwaye ufumane unyango-ukhuseleko, ukhathalelo olukhulu, ukhathalelo olungxamisekileyo, okanye ukhathalelo olungxamisekileyo. Inxalenye enzima kukufumana iinkonzo ezifikelelekayo. Iindawo ezifanelekileyo ukuqala ngeeklinikhi zempilo yoluntu, ukuhamba-kwiiklinikhi, kunye nababoneleli ngononophelo ngqo.

Iiklinikhi zempilo yoluntu

Iiklinikhi zempilo yoluntu ziyafumaneka kwindawo yakho. Ezi zisimahla okanye ngexabiso eliphantsi kuwe. Ezi klinikhi zibonelela ngononophelo olufunekayo ebantwini, olufana novavanyo lokuthintela kunye nokugonya, ngaphandle kwexabiso eliphakamileyo lomboneleli wolondolozo lokuqala okanye iimfuno zeinshurensi. Uninzi lwezi luvumela abantu ukuba bahlawule kwisikali esityibilikayo ngokusekwe kwingeniso yabo, okanye banike iinkonzo zasimahla. Zama ukukhangela indawo yakho kulawulo olukuyo mzantsaweb.com .

Ukuhamba-kwiiklinikhi

Iiklinikhi zokuhamba-hamba ziyafumaneka kwimicimbi yesiqhelo, kwaye banokuthatha imali ukuba awunayo i-inshurensi. Ungabona ugqirha kwiklinikhi yokuhambahamba malunga nemicimbi emincinci kwaye uhlawuliswe kutyelelo olo. Nangona kunjalo, ayizizo zonke ezi ezifikelelekayo njengezinye, ke qiniseka ukubuza ukuba ngaba iindleko ziphambili. Abanye abahambahambayo kwiiklinikhi banikezela ngononophelo kumanqanaba asezantsi okanye ancitshisiweyo, ngelixa abanye bekwazi ukukunceda ufake isicelo seinshurensi yezempilo yasimahla okanye yexabiso eliphantsi, njengeMedicaid.

Ababoneleli ngononophelo

Nokuba awunayo i-inshurensi yezempilo, kusenokwenzeka ukubona umboneleli wezempilo; Nangona kunjalo, inokuza ngentlawulo. Kukho iiklinikhi ezilungiselela abo bangakhuselwanga, abaziwa ngokuba ziiklinikhi ezifumana imali-kuphela, iiklinikhi ze-concierge, okanye ababoneleli ngononophelo ngqo. Unokufuna ukuthengela ngeenxa zonke ukuze ufumane ugqirha othanda ukuba oko kuyahambelana nohlahlo-lwabiwo mali.

Igumbi likaxakeka esibhedlele

Ukuba unexesha likaxakeka lonyango, kufuneka uye kwigumbi likaxakeka esibhedlele okanye ubize i-911. Ababoneleli ngonyango olungxamisekileyo njengezibhedlele ngokubanzi abanako ukwala ukhathalelo lonyango kuba ungenayo i-inshurensi yezempilo. Vumela abasebenzi bazi ukuba awuqinisekiswanga, njengoko unokukwazi ukulungiselela imiqathango yokuhlawula ngexesha kunye nesebe labo lokuhlawula, okanye ufumane uncedo lokufaka isicelo seMedicaid engxamisekileyo okanye enye i-inshurensi. Nangona kunjalo, ukhathalelo olungxamisekileyo lolona hlobo lubizayo lokhathalelo. Yisebenzise kuphela ukuba yinto engxamisekileyo yokwenyani yokuphepha ukwenza amatyala abizayo. Kwiimeko ezingxamisekileyo, ukhathalelo olungxamisekileyo ngokwesiqhelo lukhetho olufikelelekayo.

Amaziko ononophelo olungxamisekileyo

Amaziko okhathalelo olungxamisekileyo ayafumaneka ngexesha likaxakeka kunye nezinye iimfuno zonyango ezichaphazela ixesha, kwaye zihlala zikwazi ukuthatha intlawulo ngqo kumguli. Oku kungaphelela ekubeni yenye yexabiso eliphantsi kutyelelo lwesibhedlele, ukuba iklinikhi iyakwazi ukujongana neemfuno zakho zonyango. La maziko afana nokuhamba-eklinikhi ngenxa yeengxaki ezinzulu, ezinje ngamathambo aphukileyo, ukuqaqamba kwamanxeba, kunye namanxeba afuna ukuthungwa.

Kubiza malini ukubona ugqirha ngaphandle kweinshurensi?

Ngelishwa, ukuba awuqinisekiswanga, ukufumana unyango kunokuba yindleko enkulu. Nje Njani Ixabiso elinzima kunzima ukufumanisa, njengoko liyahluka ngumba wezonyango onawo, uhlobo lomboneleli ombonayo, nalapho uhlala khona. Ngelixa ityala.org dwelisa utyelelo lukagqirha lubiza indawo phakathi kwe- $ 70 kunye ne- $ 250, kodwa eli nani liyenyuka ukuba ufuna uvavanyo olongezelelekileyo okanye imigqaliselo. Kungaba yinkwenkwezi ukuba kufuneka u tyelele igumbi lexakeka. Iindleko zeengozi ezahlukeneyo kunye nezigulo zinokongeza ngokukhawuleza xa usenza izinto ezinokuhlawulwa ezinje ngovavanyo lwegazi, iX-reyi, kunye nokukhwela inqwelo yezigulana. Abantu abaninzi baphela bemangalisiwe ngamatyala amakhulu emva kwesiganeko sonyango.

Ixabiso eliqhelekileyo leemvavanyo zokuqonda isifo linokwahluka kancinci kuxhomekeke kwingingqi yakho nalapho uye khona. Ngokwe- Ukhathalelo lwempilo Bluebook , isiseko sedatha esihlanganisa amaxabiso, uvavanyo lwelebhu yamanani egazi lungahluka naphakathi kwe- $ 15 kunye ne- $ 100, i-X-ray yesifuba inokuba phakathi kwe- $ 40 kunye ne- $ 250, kwaye i-ultrasound yomntwana ingakubuyisela phakathi kwe- $ 89 kunye ne- $ 480. Njengoko ubona, kunokuba ngumceli mngeni wokwenene wokuqikelela ukuba lungakanani iindleko zonyango olunokuthi lubize xa unokufuna.

Nokuba uza kuhlawula malini na kunokuxhomekeka ekubeni ugcinaphi. Ezinye iikliniki zinokunika izaphulelo, okanye zikuvumele ukuba uhlawule kwisikali esityibilikayo esisekwe kwingeniso yakho. Iiklinikhi zoluntu zinokuphela zingabizi kakhulu kunokuya kumboneleli ononophela, kwaye iiklinikhi zokhathalelo olungxamisekileyo zinokubiza imali encinci kunohambo oluya e-ER. Ekugqibeleni, into oza kuyibhatala iyahluka kakhulu ngengxaki yakho yempilo kwaye uyaphi ukuze ufumane unyango. Phambi kokundwendwela iklinikhi, ungathengisa uthelekise amaxabiso okanye ufumanise ukuba ungalufumana na unyango olufunekayo kwenye indawo ngexabiso eliphantsi.

Kubalulekile ukubiza ukuba baninzi abantu abangaqinisekiswanga okungafuneki ukuba babekho. Ungandwendwela kwezempilo.gov okanye qhakamshelana nesebe lakho leenkonzo zentlalo ukufumanisa ukuba uyakufanelekela na ukufumana i-inshurensi yasimahla okanye yexabiso eliphantsi.

Uyonga njani imali xa ungenayo i-inshurensi yezempilo

Xa ufumana unyango ngaphandle kweinshurensi, kukho amanyathelo onokuwathatha ukunciphisa iindleko:

1. Chaza ukuba awuqinisekiswanga . Ngale ndlela unokufumanisa ukuba kukho naziphi na izaphulelo onokuthi ulungele kuzo.
2. Thenga ujonge ukhathalelo oluhambelana nohlahlo-lwabiwo mali . Amaxabiso ayahluka ngokwendawo. Khangela iklinikhi yasimahla, okanye esisilayidi.
3. Cela isicwangciso sokuhlawula . Abanye ababoneleli ngezempilo baya kukuvumela ukuba uhlawule ixesha elongezelelweyo ukunciphisa iindleko zangaphambili.
4. Phinda ujonge amatyala akho .Iimpazamo ziqhelekile. Qinisekisa ukuba uhlawuliswa isixa esifanelekileyo. Unokuxoxa ngamatyala emva kokuba uwafumene, fowunela ubuze.
5. Sebenzisa amakhadi okonga amayeza , njenge Ukhathalelo ukunciphisa iindleko zayo nayiphi na imimiselo oyifunayo.
6. Cela iisampulu zamachiza okanye uhlobo oluqhelekileyo . Oku kunokunciphisa kakhulu amaxabiso aphuma epokothweni amayeza.
7. Jonga ukuba uyafaneleka na kwiMedicaid . Isekwe kumvuzo, ubungakanani bendlu, nalapho uhlala khona, phakathi kwezinye izinto.

Ezinxulumene: Ndingayigcina njani iyeza lam?

Yonke into iziva ilukhuni xa ugula. Thatha la manyathelo ngoku, phambi kokuba ufune ukhathalelo lwempilo, ukuqinisekisa ukuba ukwindawo engcono kwezemali kamva. Ukujonga izaphulelo, amatikiti, izicwangciso zokuhlawula, kunye nokuthelekisa amaxabiso kunokuba luncedo kakhulu kwisipaji sakho ngelixa uzama ukuhamba kwinkqubo yokhathalelo lwempilo.