Unonophelo olungxamisekileyo ngokuchasene nokutyelelwa kwegumbi likaxakeka: Nguwuphi umahluko?

Inkampani

Ukuba wakha waba nempilo emodareyithayo ukuya kwezomeleleyo, mhlawumbi uye waya kwigumbi likaxakeka okanye kwiziko lokhathalelo olungxamisekileyo. Inxalenye enye enzima kakhulu yokujongana nengxaki yezempilo kukuthatha isigqibo malunga nokuba kufuneka uyephi na kunyango. Makhe sijonge umahluko phakathi kwamaziko ononophelo angxamisekileyo kunye namagumbi kaxakeka-kunye neendleko zawo-ukuze ube nolwazi olungcono malunga nokuba uyaphi xa kufuneka imfuneko kwixesha elizayo.

Unonophelo olungxamisekileyo vs.

Ngaphandle kwamaziko amakhulu esibhedlele, ukuhamba-kwiiklinikhi, amaziko ononophelo olungxamisekileyo, kunye namagumbi kaxakeka kunqabile ukuba abekwe kunye kwisakhiwo esinye okanye kwindawo enye. Ngamanye amaxesha indawo yokunyamekela engxamisekileyo inokufumaneka kufutshane negumbi lexakeka, kodwa oku akusoloko kunjalo. Apho uphelela khona kuya kuxhomekeka kuhlobo lonyango olifunayo, kwaye iiklinikhi ezahlukeneyo ziyilelwe ukunyanga iingxaki zempilo ezahlukeneyo.

Ukuhamba-kwiiklinikhi bonelela ngeenkonzo zonyango ezisisiseko njengokugonya. Abantu abanokulimala kancinci kunye nezifo banokuya kwiklinikhi yokuhamba ngaphandle kokuqeshwa kunye nokunyamekela kumongikazi okanye umncedisi kagqirha. Iingcali zabahlengikazi kunye nee-MDs ngamanye amaxesha zinokufumaneka nazo.

Amaziko ononophelo olungxamisekileyo ziyilelwe ukunyanga abantu abafumana okungxamisekileyo, izigulo ezincinci kunye nokwenzakala. Banikezela ngononophelo lwangoko kunye neenkonzo zonyango kubantu abaneemeko ezinokuba mandundu ngaphandle kokukhathalelwa kwangoko. Amaziko amaninzi okhathalelo avulekileyo avuliwe nge-24/7 kwaye alukhetho olukhulu kubantu abangakwaziyo ukwenza usuku olufanayo nonyango lwabo lokuqala. Amaziko okhathalelo olungxamisekileyo awenzelwanga ukubonelela ngonyango oluqhubekayo lwezonyango ngaphandle kotyelelo olunye okanye unyango olulinganiselweyo, lwexeshana.

Amagumbi kaxakeka (Ii-ERs) zezabantu abafumana izifo okanye ukonzakala okusongela ubomi. Zenzelwe ukunyanga abantu abaneemeko zonyango ezinokuba sengozini yobomi ukuba abanyangwa ngaphakathi kweeyure ezingama-24. I-ERs ikwayindawo yesiqhelo yokungena esibhedlele kubantu abafuna ukulaliswa esibhedlele ngenxa yokugula okanye ukonzakala. Amaxesha okulinda kumagumbi kaxakeka athanda ukuba made kunamaziko ononophelo olungxamisekileyo.

Nazi ezinye zomahluko ophambili phakathi kweeklinikhi zokuhamba-hamba, amaziko okhathalelo olungxamisekileyo, kunye namagumbi kaxakeka.

Ukuhamba-kwiiklinikhi

• Unokuphatha ukwenzakala okuncinci kunye nezifo
• Akukho lungiselelo lifunekayo
• Izigulana zibonwa kwindawo yokuqala eza kuqala
• Akunakuba nezixhobo ezifana noomatshini beX-reyi
• Ngamana ungabinazo ii-MDs ezifumaneka yonke imihla, endaweni yoko banokusebenzisa ii-NPs okanye abancedisi bezonyango
• Ifikeleleke ngakumbi kunononophelo olungxamisekileyo okanye amagumbi kaxakeka

Kungxamisekile oko

• Unokuphatha ukwenzakala okumbalwa okanye okumodareyithekileyo kunye nezigulo
• Ngokwesiqhelo akukho zivumelwano zidingekayo-zihlala zivulwa iintsuku ezisixhenxe ngeveki, kodwa kuya kufuneka ubize indawo ononophele kuyo ukuze uqinisekise iiyure zokusebenza
• Izigulana zibonwa kwindawo yokuqala eza kuqala
• Yiba nezixhobo zonyango ezifana noomatshini beX-reyi kwaye unokunyanga amathambo aphukileyo
• Ngokwesiqhelo ubanegqirha onsite ngamaxesha onke
• Ngokubanzi unecopay ephezulu kunotyelelo lokhathalelo lokuqala

Amagumbi kaxakeka

• Ngaba unokunyanga ukonzakala okukhulu kunye nokusongela ubomi kunye nezifo ngenqanaba eliphezulu lokhathalelo
• Akukho lungiselelo lifunekayo-vula i-24/7, nangona kunjalo, amaxesha okulinda ahlala ixesha elide kunokuhamba okanye kumaziko ononophelo angxamisekileyo
• Yiba neenkqubo zokubeka izinto ezibeka phambili izigulana ezineemeko ezinobuzaza ngakumbi kunezo zineemeko ezinzima
• Yiba nezixhobo zonyango eziyimfuneko ukunyanga iimeko ezisongela ubomi
• Yiba nabongikazi, oogqirha, kunye noogqirha abafumanekayo ngawo onke amaxesha, okanye amandla okufumana unonophelo olungxamisekileyo oludingayo ngokukhawuleza
• Ngaba kungabiza kakhulu xa kuthelekiswa nokuhamba-hamba kunye namaziko ononophelo angxamisekileyo kwezinye izicwangciso zokhathalelo lwempilo

Ngaba kufuneka ndiye kunyango olukhawulezileyo okanye kwigumbi elingxamisekileyo?

Ukwazi ixesha lokuya kukhathalelo olungxamisekileyo ngokuchasene negumbi likaxakeka kunokugcina ixesha nemali. Kuxhomekeka kwizicwangciso ezithile zokhathalelo lwempilo kwisigulana kodwa awungekhe ufune ukuchitha ixesha elininzi kunye nemali kwigumbi likaxakeka xa imeko yakho ibinokuphathwa ngokufikelelekayo kunonophelo olungxamisekileyo.

Iinkonzo zononophelo olungxamisekileyo

Nalu uluhlu lweemeko, iimpawu kunye nokwenzakala okunokunyangwa kwiziko lokhathalelo olungxamisekileyo:

• Iimpawu eziqhelekileyo zokubanda kunye nomkhuhlane
• Ukukhwehlela kunye nomqala obuhlungu
• Ukutsha okuncinci
• Amathambo aphukileyo
• Usulelo lwendlebe
• Umkhuhlane ophezulu
• Iincinci ezincinci okanye izihlunu ezitsaliwe
• Ukuqhekeka okuncinci kunye nokusikwa

Le yeemeko ezimbalwa kwezininzi zonyango ezinyangwa mihla le, utsho uJay Woody, MD,umququzeleli we Ilifa le-ER kunye noKhathalelo oluNgxamisekileyo . Kodwa khumbula: Nangona ezi zixhobo unako Qhuba iinkonzo zokuqonda isifo kunye nelebhu, oko akuthethi ukuba imeko esongela ubomi inokunyangwa apha. Ukongeza, ugqirha wokhathalelo olungxamisekileyo ophakathi ubona abaguli abayi-4.5 ngeyure, oko kuthetha ukuba ixesha lakho lokulinda ekugqibeleni liya kuba lifutshane.

Iinkonzo zegumbi likaxakeka

Iimeko ezinzulu ngakumbi kufuneka ziphathwe kwisebe likaxakeka. Nalu uluhlu lweemeko, iimpawu, kunye nokulimala okuthathwa njengengxamisekileyo kwezonyango:

• Iintlungu zesifuba
• Ukopha kakhulu
• Amanxeba anzulu
• Iintlungu ezinzima zesisu
• Iziphumo ezibi kakhulu
• Ukuqhekeka kwamacandelo
• Ukwenzakala entloko
• Ukuphefumla kakhulu
• Ukubetha kwentliziyo ngamandla
• Ngokukhawuleza kunzima ukuthetha okanye ukuqonda intetho
• Umbono otshintsha ngesiquphe
• Ukopha kwilungu lobufazi ngexesha lokukhulelwa
• Umkhuhlane ophezulu (ngakumbi abantwana abasandul 'ukuzalwa)
• Umbono wokuzibulala kunye nolunye unyango olungxamisekileyo

Ezi mpawu kunye neemeko akufuneki zingahoywa kuba zinokuba sengozini enkulu kubomi bakho. Abasebenzi beenkonzo zikaxakeka bonke baqeqeshiwe kwaye baxhotyisiwe ukujongana nale miba kwigumbi likaxakeka, ucacisa uGqirha Woody.

Iinkonzo zononophelo

Ngelixa amagumbi kaxakeka kunye namaziko ononophelo olungxamisekileyo emhle, ngamanye amaxesha akuyomfuneko ukuba uye nakweyiphi na. Abazali banokuthintela uhambo olungeyomfuneko kwiofisi kagqirha kwaye bagcine imali eninzi ngokuthi ukufunda ukunyanga ukusikwa kancinane kwabantwana babo kunye nezinto ezikhutshwayo ekhaya.

Abantu abadala nabantwana kufuneka babone umboneleli wokuqala wezinto ezinje:

• Ukuhlolwa konyaka
• Ulawulo lokugula okungapheliyo
• Unyango oluqhelekileyo lokubanda kunye nomkhuhlane
• Unonophelo lothintelo
• Iindlebe
• Imigqaliselo
• Ukugonywa
• Usulelo lwe-Urinary tract (UTI's)

Ukuya kugqirha wakho ophambili kwezi ntlobo zezinto kuhlala kungumbono olungileyo kuba ugqirha wakho uyazi wena nembali yakho yezonyango. Ukuba uzama ukwenza idinga nogqirha wakho kwaye babhukishwa okanye bakwiholide, emva koko uhambo oluya kwikliniki yokuhamba-hamba okanye kwiziko lokhathalelo olungxamisekileyo yeyona nto ilandelayo.

Ukuba wena okanye iimpawu zomntwana wakho iba mbi kakhulu okanye uqala ukufumana iintlungu zesifuba, ukuphefumla nzima, ukopha okungalawulekiyo, okanye ezinye iimpawu ezinzulu, ke lixesha lokuba ubize i-911 okanye undwendwele igumbi likaxakeka.

Ngaba ukhathalelo olungxamisekileyo luxabiso eliphantsi kunegumbi lexakeka?

Apho uya khona ukuze ufumane unyango uya kuthi uqiniseke ngokuyinxenye ukuba ekugqibeleni uhlawula malini. Ukubona ugqirha wokhathalelo oluphambili kuya kuba kubiza kancinci kunokuya kwiziko lokhathalelo olungxamisekileyo, kwaye ukuya kwiziko lokhathalelo olungxamisekileyo kuhlala kungabizi kakhulu kunokuya ku-ER. Ukuba unayo i-inshurensi yezempilo kwaye uye kwenye indawo kunyango, uya kuhlala une-copay okanye i-coinsurance ekufuneka uyihlawule ngokuxhomekeke kwiimfuno zakho zokutsalwa.

UKUYA ikopi linqanaba elithe tyaba lokuba ugqirha, iziko lokhathalelo olungxamisekileyo, okanye igumbi elingxamisekileyo liya kuhlawulisa ngeenkonzo zabo zononophelo. Izinga lichongiwe sisicwangciso sakho sezempilo. Unonophelo olungxamisekileyo kunye nokutyelelwa kwamagumbi kaxakeka kuhlala kuneekopi eziphezulu kunotyelelo rhoqo kwiofisi kagqirha.

Ngokubanzi, kungcono (kwaye uninzi lweendleko) ukuya kumnatha wonxibelelwano amaziko ononophelo olungxamisekileyo ukuba kunokwenzeka. Nangona kunjalo, amagumbi kaxakeka ahlukile. Iinkampani zeinshurensi azinakohlwaya abanini-nkqubo nge-copay ephezulu ukuba ufuna ukhathalelo olungxamisekileyo kwisibhedlele esingaphandle kwenethiwekhi. Qaphela: Nokuba unayo i-inshurensi, iimvavanyo ezithile kunye nababoneleli abanakho ukugqunywa yinethiwekhi yakho yeinshurensi, ukuze uhlawuliswe ezinye zeenkonzo. Isicwangciso seinshurensi yezempilo yomntu wonke yahlukile, ke kuhlala kulunge kakhulu ukuba ujonge kwinkampani yeinshurensi yakho ukufumana uqikelelo lwento onokugqiba ukuyibhatala xa kufuneka uye kwiziko lokhathalelo olungxamisekileyo okanye kwigumbi lexakeka.

Uninzi lwamaziko ononophelo olungxamisekileyo aya kubona abantu nokuba abanayo i-inshurensi yezempilo, kodwa banelungelo lokumlahla umntu ukuba akazokwazi ukuhlawula. Unyango oluNgxamisekileyo loNyango kunye noMthetho oSebenzayo waBasebenzi owapasiswayo Ngo-1986 ifuna ukuba onke amagumbi kaxakeka anyange kwaye azinzise nabani na ongena, nokuba unakho na ukuhlawula okanye inqanaba leinshurensi.

Ngaphandle kweinshurensi, ukutyelelwa kweziko elingxamisekileyo kunokuxabisa ukusuka kwi-100 ukuya kwi-200 yeedola. Ukuba ufuna iX-reyi okanye olunye uvavanyo olwenziwe, oku kungabiza ngaphezulu. Ngelixa uhambo oluya kwigumbi likaxakeka lunokuxabisa amakhulu okanye amawaka eedola ngaphandle kweinshurensi kuxhomekeke kwinkonzo oyifunayo.

Akungabazeki ukuba ukuya kwigumbi lexakeka okanye kwiklinikhi yokunyamekela ngokukhawuleza kunokubiza, ngakumbi ukuba awunayo i-inshurensi yezempilo. I-avareji exhuzulwayo eUnited States yi- $ 4,544, kwaye phantse I-61% yetyala lezonyango e-US isuka kutyelelo kwigumbi likaxakeka.

Okukwintsusa: Beka impilo yakho phambili kwimibandela yonyango

Umba wezezimali akufuneki ukuyekise ekufuneni unyango xa ulifuna, nangona kunjalo. Inye kwi Ntathu Abantu baseMelika bathi bakuphephe ukufuna unyango xa beludinga kuba bexhalabile ngendleko. Oku kuthetha ukuba amawaka abantu baseMelika abeka impilo yabo emngciphekweni nokuba bafuna unyango.

Ukuba ukhe waya kwiziko lokhathalelo olungxamisekileyo okanye kwigumbi lexakeka kwaye unetyala elikhulu lezonyango, kukho iindlela zokufumana uncedo. Izibhedlele ezininzi zibonelela ngezicwangciso zokuhlawula kwaye zinokukuthumela kwiinkqubo zoncedo lwezezimali kwindawo yakho. Izibhedlele ezininzi zikwabonelela ngononophelo okanye zinokukunceda ufake isicelo seinshurensi yezempilo. Kwaye ke, unokuhlala uhlala Sebenzisa i-SingleCare ukugcina kumayeza akho amiselweyo.

Xa kuziwa ukuhlala usempilweni, ingcinga yamatyala onyango akufuneki ingene endleleni. Kuhlala kungumbono olungileyo ukukhuseleka kwaye uzikhathalele.