Eyona >> Imfundo Yezempilo >> Iinkonzo zempilo ezi-5 ekufuneka uzenzile emva kokuba udibene nokutsalwa kwakho

Iinkonzo zempilo ezi-5 ekufuneka uzenzile emva kokuba udibene nokutsalwa kwakho

Iinkonzo zempilo ezi-5 ekufuneka uzenzile emva kokuba udibene nokutsalwa kwakhoImfundo yezeMpilo

Ukuba unayo i-inshurensi yezempilo, mhlawumbi unayo i-inshurensi yezempilo ethathiweyo, nayo. Oko kuthetha ukuba ude ufikelele kwinani elithile leedola kwinkcitho yezempilo ngaphakathi konyaka onikiweyo, uku-hook ye konke zeendleko zakho zonyango ngaphezulu nangaphaya kwepremiyamu yakho yenyanga (ngaphandle kwezinye iinkonzo zokuthintela ukuba i-inshurensi ifunwa ngumthetho ukuyikhusela). Kuxhomekeka kwisicwangciso sakho, isixa siyahluka: Isengaphantsi njengeedola ezingama-50, okanye inani elibalulekileyo. Ngokwe- IZicwangciso zeZibonelelo zaBasebenzi zaMazwe ngaMazwe , I-avareji yosapho etsalwayo kubantu ababhalise kwizicwangciso ezixhaswe ngumqeshi ikufutshane ne- $ 2,000. Kwaye kuphela umndilili Iipesenti ezingama-23 zitsale iidola ezingama-5,000 okanye ngaphezulu. Kuphela yi-7% engenakutsalwa nakanye.

Kwicala eliqaqambileyo, wakube udibene ne-deductible yakho ungazinakekela zonke ezo zinto zixhalabisayo ngempilo ngaphandle kokukhathazeka malunga nendlela oza kuhlawula ngayo olunye utyelelo logqirha, olunye ugqirha okanye enye i-X-ray.



Ndadibana ne-deductible, ngoku yintoni?

Ngapha koko, ngoku lixesha lokubeka phambili ukhathalelo lonyango ebelikade ulibekile. Ngaphandle koko, uya kuqala kwakhona ngokutsalwa kwakho kuJanuwari. Andiqinisekanga ukuba ungaqala ngaphi? Sidibanise uluhlu lwezinto ezintlanu zokusebenzisa i-inshurensi yakho yezempilo emva kokuba kudityanisiwe nokutsalwa.



1. Jonga ugqirha wenyama.

Ukulimala kwezemidlalo, i-carpal tunnel syndrome, i-tendonitis. Ezi zezimbalwa zeemeko ezininzi ezinokunceda unyango lomzimba (PT). Kodwa iindleko zinokudibanisa ngokwenene, utsho U-Katy Votava, uPh.D. , Umongameli kunye nomsunguli weGoodcare.com, inkampani yokubonisana enceda abathengi ukuba bahambe kwimicimbi yezemali yokufumana ukhathalelo lwempilo. Ngenxa yexabiso eliphezulu le-PT, uthi abantu abaninzi banciphisa utyelelo lwabo okanye babaphephe ngokupheleleyo. Ukucinga ukuba isicwangciso sakho se-inshurensi sigubungela unyango lomzimba, ukuqeshwa kwakho kufuneka kufikeleleke ngakumbi xa i-deductible ihlangatyeziwe- mhlawumbi i-0 yeedola; mhlawumbi ukubhatala kunye, kodwa nangayiphi na indlela kakhulu lula kumgca wakho ongezantsi.

Mbini. Yenza imigqaliselo yakho izaliswe.

Iibhotile zakho zamayeza akufuneki zingabinanto ngokupheleleyo ukuze ufanelekele ukuzaliswa kwakhona. Ukuba usebenza phantsi okanye ufanelekile uku-odola ngaphezulu, gcina ngoku. Ndiyacebisa ukuba abantu bajonge amayeza abo amayeza kwaye bawagcwalise… kuba sele udibene nokutsalwa kwakho, kwaye kuya kuba lihlazo ukuba ngoDisemba okanye ngo-Novemba udlulise ithuba lokugcwalisa into, utsho uVotava.



Ezinxulumene: Qalisa ukugcina kwimigqaliselo yakho nge-SingleCare

3. Faka endaweni okanye uhlaziye izixhobo zakho zonyango.

Oomatshini be-CPAP abahlali ngonaphakade. Kananjalo azibizi ngexabiso-ngokwe-American Sleep Association, ixabiso eliphakathi le-CPAP yi- $ 850. Uyakwenza uhlahlo-lwabiwo mali lwakho ngokufumana enye ngoku kunokuba emva kokucinywa kutsalwe ekuqaleni kuka-2020, utshilo uVotava. Kuyafana nakwezinye izixhobo zonyango, ezinje ngamadolo, ukujonga iswekile yegazi, iimpompo zokumnika, njl.

Zine. Jongana nale micimbi yesikhumba enobungozi.

Kulungile, okokuqala, ukuba unendawo ephathelene nolusu lwakho okanye ufuna ukususwa kwe-mole / i-biopsy, musa ukulinda ukubona ugqirha-le yinto ekufuneka uyijongile ngoko nangoko ngaphandle kwenqanaba lakho lokutsalwa. Nangona kunjalo, ukuba unesilonda esingenabungozi-kodwa-esikhathazayo sesikhumba, njenge-seborrheic keratosis, i-wart, okanye i-tag tag, i-post-deductible lixesha elihle lokususa kwi-ofisi yakho yesikhumba.



5. Yenza idinga nengcali.

Mhlawumbi ugqirha wakho wokhathalelo ophambili ukuthumele kwi-cardiologist, i-gastroenterologist, okanye ugqirha wamathambo ukunceda ukulungisa imicimbi eqhubekayo (nokuba ayingxamisekanga), kodwa ubuyibeka ngenxa yokoyika iindleko eziphuma epokothweni . Endaweni yokuqhubeka nokuyibeka, jonga ingcali ngoku ukuze ubuncinci uqalise kulo naluphi na uvavanyo lokuqonda isifo okanye unyango ngaphambi kokuphela konyaka (imaging kunye neelebhu ziya kubandakanywa koku, ngokunjalo). Naluphi na uhlobo lovavanyo osele ucinga ukwenza olubonakala luyimfuneko kwezonyango, kuya kufuneka uqhubeke kwaye ucwangcise, utshilo uVotava. Umqolomba omnye? Kungaba nzima ukufumana idinga kunye nomboneleli omtsha ngaphambi koNyaka oMtsha woNyaka, ke musa ukulibazisa, uyongeza.