Iwe wakapfuura nekutambudza kwekusayina kwehutano yveshuwarhu . Wakabhadhara miriyamisi yako. Iye zvino iva nechokwadi chokuti haufaniri kuita chimwe chezviya zvehutano hwehutano hwehutano paunoshandisa utano hwako hwehutano.
1) Kwete Kugadzirisa Deductible uye Coinsurance yako
Inishuwarenzi yehutano haibatsiri zvikuru kana iwe usingakwanisi kuishandisa nokuti haugone kutenga mari yako yakabviswa , coinsurance , kana copays.
Ngatishandisei, kwete munhu wose ane zvishoma zvemazana emadhora madhora ari kungovata pasi. Asi, kuregererwa ichokwadi chehupenyu kune mamwe marudzi ehutano inshuwarisi.
Iwe unofanirwa kugadzira hurongwa hwekutarisana nemari yako yakabviswa, coinsurance, uye copays kana iwe ungazviwana iwe wakachengetwa zvakakwana asi haukwanisi kuwana hutano hwaunoda nokuti haugoni kutenga mari yako yebhadharo.
2) Pasina njere Kuenda Kunze kweNzvimbo
Zvose zvirongwa zvehutano muUnited States zvine ruzivo rwevamwe vanoraramisa utano hwehutano . Kana iwe ukashandisa mupiro muhutano hwehutano hwako, yako copays, coinsurance, uye deductible yakaderera pane iwe unoshandisa kunze kwe-network. HMOs uye EPOs hazvizobhadhara chero chinhu chekutarisira kwawakawana kubva kune-out-of-network provider, nepo PPOs uye zvirongwa zvePOS zvichabhadhara zvishomanana, asi kwete zvakadai sekuti iwe waizoshandisa mu-network.
Kana iwe uchiziva uyo ari mu-network uye ndiani asiri, iwe unogona kunamatira kune-network network providers uye usapedza mari inodhura kunze-ye-network.
Zvisinei, izvi hazvirevi sezviri nyore sezvazvinonzwika. Zvirongwa zvehutano tweak mararamiro avo. Mikangano pakati pezvirongwa zvehutano nevanotengesa vashandi vavo vanopera uye havagoni kuvandudzwa.
Chiremba wako mukuru wekuchiremba angave ane chiremerera chakakwana kukuzivisa iwe kana akarega kupinda muurongwa hwehutano hwako (kana kuti haazoiti), asi nzvimbo yako yemuviri, ropa test labor, uye pharmacy hazvikwanise kukupa iyo inokurudzira.
Iwe usati wawana chero kutarisirwa kusingatarisirwi, tarisa kuti mutapi achiri muchi-network neurongwa hwehutano hwako.
3) Kwete Kutaurirana Mutengo weKubva-Kwe-Network Care
Iwe une kodzero yekutarisira kunze-ye-network kana ukasarudza, asi iwe unogona kunge uchibhadhara zvimwe. Zvisinei, mune mamwe mamiriro ezvinhu, unogona kusarudza kubhadhara zvakawanda nokuti unonzwa kuti mari yakawedzerwa inokosha kuti uwane kutarisira kwako kubva kune mumwe munhu anopa.
Kana uri kusarudza kubuda kwe-network-kutarisira, taurirana mutengo wekutarisira kwacho kare iwe uchine simba rekutaurirana. Wako-we-network unopa kunzwisisa kuti kana asingakwanisi kutaurirana, angarasikirwa nebhizimisi rako. Uyewo, kunyange zvazvo ari kunze kwe-network iwe, anenge ari mu-network kune rimwe chirongwa chehutano, saka ari kupa mumwe munhu kuderedza. Anogona kunge achiwedzera izvo zvishoma nezvishoma kwauri.
Nokukurukura mari yekutarisira nguva isati yapfuura, unogona kuderedza dambudziko rako rezvemari uye usadzivirire kukwereta uye zvimwe zvinoshamisa zvemari.
4) Usingaiti Kutsigirwa Kana Paunoda
Chirongwa chako cheutano chinoda kuti iwe utange kutumirwa mberi usati wawana kuongororwa, kuongororwa, kana kurapa? Zvizhinji zvePPOs uye EPOs. Kana hurongwa hwako hwehutano huchida izvi uye iwe usati wambotenderwa, iwe unogona kupera nekushamisika kwemari kunoshamisa.
Somuenzaniso, kana chirongwa chako chehutano chiine mvumo yekugadziriswa yekutanga yeMRI isinganzwisisi uye iwe unowana MRI scan yakaitwa pasina kutanga kuigadzirisa, urongwa hwako hwehutano hunogona kuramba kubhadhara. Izvi ndezvechokwadi kunyange kana iwe uchigona kuratidza kuti iwe unonyatsoda kuverenga. Funga nezvazvo sechinhu chinosvibisa. Iwe hauna kutevera mitemo uye svetuka mukati mese hoops muhutano hwakarurama, saka unotora chirango kuburikidza nekubhadhara chikwereti iwe pachako.
Kuti udzivise izvi, kana chirongwa chako cheutano chichida kutongerwa, usangofunga kuti chiremba wako achawana chibvumirano chako. Anogona; asi, kana asingakwanisi, bhuru rinomira newe, kwete naye.
Iwe uchange uri iwe wakaramba uchibhadhara chikwereti. Kana usina chokwadi kana kuedzwa, nzira, kana kurapwa kunoda kutangirwa-kutumirwa, sidza urongwa hwako hwehutano uye bvunza.
5) Kusingotevera kuburikidza nehutano hwekurapa zvirongwa
Kana uine HMO, PPO, EPO, kana chirongwa chePOS , imwe yehutano urongwa hwako hwehutano hunogona kushandiswa kutarisira mararamiro ayo ndehutano hwehutano. Urongwa hwehutano hwehutano hunoshanda seizvi: kana pane nzira nhatu dzokurapa dambudziko rako rezvechiremba, urongwa huchada kuti iwe ushandise kushandiswa kwekutengesa kunodhura kutanga. Kana iwe ukaedza kunyanya kurapa mari yakashata uye haikwanisi kushanda, saka chirongwa chichabvumirana kubhadhara chechipiri-ine-yakakura kurapa sarudzo. Izvo urongwa huchabvumirana kubhadhara mari inodhura zvikuru yevatatu nzira dzokurapa mushure mokunge maedza uye mukakundikana zvingasarudzwa zvishoma.
Iwe unogona kunge uchifungidzira kuti zvisarudzo imwe chete uye zviviri hazvisi kuzokushandira iwe, uye unoda kutsika kusvika kune imwe sarudzo. Zvisinei, kunze kwekunge pane chikonzero chekurapa nei zvisarudzo imwechete uye zviviri zvingave zvinokuvadza mune imwe mamiriro ezvinhu (semuenzaniso, iwe uri kurwisa kune rimwe remagetsi kune imwe nzira yemishonga), urongwa hwako hwehutano hucharamba kubhadhara chekuita zvitatu kusvikira waedza uye vakakundikana zvose zviri zviviri zvisingatori kurapa.
Nei makambani ehutano inshuwarano anoita izvi? Nokuti vanhu vazhinji vanongopera uye vachisarudzwa nechisarudzo chimwe chete kana kuti sarudzo mbiri kunyange zvazvo zvisingashandi pamwe chete zvavakanga vatarisira. Vanorwara uye vaneta nokudzokera kuna chiremba vachiri kunetseka pamusoro pechinetso chimwe chete, saka vanogadzirisa zvikamu zvishoma pamusana pezvikonzero nokuti vakapinda. Mukufamba kwenguva, izvi zvinoponesa makambani ehutano hwehutano mari yakawanda.
Kana izvi zviri kuitika kwauri, basa rako nderekudzoka zvakare uye kushanda nenzira yako kumakumbo kusvika iwe uchisvika pakushandiswa kurapwa kunonyatsoshanda kune muviri wako wose uye mararamiro ako.
6) Kwete Kufananidza Kutenga Pane In-Network Providers Paunenge Uri Owe Coinsurance
Iwe unofanirwa kubhadhara 20 kubva muzana, 30 kubva muzana, kana kunyange 40 muzana kubhadhara kwehutano hwehutano? Unoda basa rinodhura here? Zvino iwe unoda kutengesa zvakapoteredza, kunyange pakati pe-network network providers .
Utano hwehutano hwekambani hutaurirana huwandu hwehuwandu hwemadhora neavo mu-network providers, asi kubvisa hazvirevi zvakafanana kune wese anopa. Dzimwe nguva urongwa hwako hwehutano hunotaurirana hukuru hwekutsvaga; dzimwe nguva inobvunzurudza kubhadharwa kwechiremera.
Sezvo kubhadhara kwako kune chikamu chemutengo wakaderedzwa, iva nechokwadi chokuti uri kuripa pane zvakaderera zvakaderedzwa, kwete pamwero wakakwirira nokuti iwe hauna kutengesa kune vamwe vari mu-network providers.
Heino nzira iyo inoshanda. Ngatiti hurongwa hwako hwehutano hwakataurirana nehuwandu hwemadhora e $ 10 000 pakuberekwa kwako kwechikwama naDkt Jones. Iko mari yako yekutendesa ine 30 muzana, saka iwe unogona kubhadhara $ 3,000 kubva muhomwe yako pachako kana Dr. Jones akaita chirwere.
Kumativi ose eguta, Dr Brown anewo-network pamwe nehutano hwako asi hazvina kunaka kutaurirana. Urongwa hwenyu hwehutano hwakakwanisa kumubvumira kubvumirana nekuderedzwa kwema $ 8,000 pamusana pekuvhiyiwa kwakafanana. Iwe uchatozofanira kubhadhara makumi matatu kubva muzana muhutano kana iwe uchishandisa Dhiyabhorosi Brown, asi iwe uchachengetedza mari nokuti iwe uri kungobhadhara makumi matatu kubva muzana ye $ 8,000 muzana pane 30 muzana yeDkt Jones $ $ 10,000. Iwe unogona kuchengetedza $ 600 kuburikidza naDhiyabhoro Brown panzvimbo yaDkt Jones kunyange zvazvo vaviri vanovhiya vaiva mu-network neurongwa hwehutano hwako.
7) Haisi Kuda Kubvuma Kuzvidzivirira
Pane nguva apo iwe waita zvose zvakanaka asi urongwa hwako hwehutano huri kuramba hutano hwehutano inshumo. Kana izvi zvichiitika kwauri, tora kufema kwakadzika uye utarise zvakanyatsoitika pane zvakaitika. Wakaitevera mitemo yako yese yehutano here? Iko kutarisirwa kunobatsira kuburitsa hurongwa hwako hwehutano here? Wakanyatsoda kutarisirwa here? Kana iwe ukapindura hungu kumibvunzo iyo yose, saka iwe unofanirwa kukwidza urongwa hwehutano hwako hwekuramba.
Kunyangwe zvinogona kunzwa sokuti iwe uri Dhavhidhi kurwisana nekambani yeInishuwarenzi yunivhesiti ine slingshot chete, yeuka kuti Dhavhidhi akakunda hondo iyoyo. Chimwe chikamu chinoshamisa chekuramba chinoputirwa pakukwirira. Tsvaga rubatsiro rwechiremba wako, tora mabata ako mumutsara, uye famba uchienda neshoko rako.