Mupi wehutano ndiye munhu kana kambani inopa rubatsiro rwekutarisira kwauri. Mune mamwe mazwi, mutarisiri wako wehutano anotarisira iwe.
Izwi rokuti "mutano wehutano" pane dzimwe nguva risina kushandiswa kutaura nezvehutano hwehutano inshuwarheni, asi inshuwarano yehutano yakasiyana nehutano.
Ndivanaani Vane Utano Vehupi Vanopa?
Mupi wehutano uyo iwe unonyanyozivikanwa ndewePPP kana kuti chiremba wokurapa.
Asi, kune marudzi ese akasiyana-siyana ehutano hwehutano. Chero hupi hupi hwehutano hwehutano hwaungada hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hupi hwehutano hwe
Pano pane mienzaniso isiri yechiremba yevashandi vehutano:
- Murapa wepanyama uyo anokubatsira kuti udzoke kubva pamabvi ako kukuvara.
- Iyo Home Health Care Company inopa mukoti wako wokushanyira.
- Ikambani inogara yakagadzirwa nemishonga inopa musha wako oxygen kana wheelchair.
- Pharmacy yako.
- Iro laboratori inotora uye inoita kuongororwa kweropa rako.
- Nzvimbo yekufungidzira inoita mammograms ako, X-rays, uye MRI inoongorora.
- Mutauriri wekutaura anoshanda newe kuti ave nechokwadi chokuti unokwanisa kumedza kudya zvakachengeteka mushure mekurohwa.
- Kuvhiya kwepachipatara kunze kwepakati kwawakawana colonoscopy yako.
- Iyo inyanzvi laboratory inobatsira DNA yako kuedza.
- Iyo yekukurumidzira kuchengetedza nzvimbo kana kufamba-mumakiriniki munharaunda yako yekutengesa.
Chikonzero Nei Zvine Basa
Mukuwedzera pane zvaunofarira pamusoro pezvinhu zvaunenge uchida kutarisira iwe, sarudzo yako yevabatsiri inokosha kune zvikonzero zvemari uye inshuwarisi.
Zvizhinji zvirongwa zvehutano zvakapa masaisai . Iyi mitambo ndiyo mapoka evanhu vanobvumirana avo vakabvumirana kupa zvipo kune nhengo dzeurongwa hwehutano pahuwandu hwekutengesa uye dzakasangana nemitemo yepamusoro inotarisirwa nemubhizimisi wako. Urongwa hwako hwehutano hunofarira kuti iwe unoshandisa ma -network network providers panzvimbo yekushandisa kunze kwe-network providers.
Kutaura zvazviri, HMOs uye EPOs hazvizobhadhara nekuda kwebasa raunowana kubva kune mutano wehutano ari kunze kwe-network kunze kwekuwedzera kwemamiriro ezvinhu . PPOs, uye kusvika pari zvishoma POS zvirongwa zvehutano, zvinowanzobhadhara kutarisira kunopiwa nekunze kwe-network providers. Zvisinei, vanokukurudzira kuti utarisire kubva kune-in-network providers nekukubhadhara chikwereti chakakwirira kana kubhadhara mari apo unoshandisa kunze kwe-network.
Kana iwe uchida chiremba wako kana mumwe mupi wehutano, asi ivo havasi mu-network neurongwa hwehutano hwako, une zvasarudzo. Paunenge uchizonyora kuzarura , iwe unogona kuchinja kune chirongwa chehutano chinosanganisira ivo mumutambo wayo.
Iwe unogonawo kukwidza kurongwa hwako hwehutano uchikumbira kuti huchengetedze kutarisira kwaunowana kubva kune ino kunze kwe-network mupiro sekunge uri mu-network kutarisira. Urongwa hwako hwehutano hunogona kunge huchida kuita izvi kana iwe uri pakati pezvinorambidzwa zvekutarisa zvinoshandiswa kana kutungamirirwa nemupiki.
Chimwe chikonzero chirongwa chako chinogona kubvumira izvi ndezvekuti iwe unogona kuratidza hurongwa hwekuti nei mupi wako ari chisarudzo chakanaka chebasa iri kupfuura in-network provider. Semuenzaniso, une ruzivo rwemashoko anoratidza chiremba uyu ane chirwere chakanyanya kuderera chep-post-op kupfuura ye-in-network surgeon?
Iwe unogona kuratidza here kuti chiremba uyu anonyanya kuva neruzivo mukuita zvisingaoneki uye zvakaoma nzira yako? Kana iyo in-network network inogadzira chirongwa ichi iwe unoda katanhatu, asi wako wekuvhima kunze kwechiremba akazviita kaviri pavhiki kwemakore gumi, iwe une mukana mukugutsikana nemu inshuwarisi yako.
Kana iwe uchigona kugutsikana hurongwa hwako hwehutano hunoshandisa izvi kunze kwe-network mupiki angachengetedza mari munguva refu, unogona kukwanisa kukunda chikwata chako.
Kunzwisisa zvakasiyana-siyana zvevashandi kunogona kukubatsira kuti usashamisika mabheji
Kushandiswa kwemari kusinganisiki kunoitika apo murwere ari kurapwa pane imwe nzvimbo-inzvimbo, asi anogamuchira kurapwa kana mabasa kubva kune-kunze-network.
Semuenzaniso, unogona kunge uine chirwere chemabvi kuchipatara mune urongwa hwehutano hwako, uye gare gare uwane kuti mushandi wezvokurapa anogara kwenguva refu uyo chipatara anoshandisa haatambiswi neinishuwarenzi yako.
Saka kunze kwekuda kusangana neurongwa hwehutano hwako mu--net out-of-pocket maximum, iwe unogonawo kupedzisa kubhadhara kunze-kwe-network zvinokonzerwa nemabvi mabhesi nemakumbo, walker, kana kuti zvikwata zvevashure zvaunopedzisira uine kuvhiyiwa.
Kana iwe uchiwedzera kuziva nezvehuwandu hwevashandi vanobatanidzwa mukurapa, zviri nani zvakagadzirirwa iwe, zvimwe mune kwete mamiriro ezvinhu epasipo. Dzimwe hurumende dzakapedza mitemo yekugadzirisa kusarudzwa kwevatachire kuti vaenzanise kubhadhara mumamiriro ezvinhu apo vamwe vanotora pane imwe nzvimbo yakapiwa haisi chikamu chemasiteresi einishuwarenzi iyo nzvimbo inosangana nayo.
Asi kazhinji, mimwe mibvunzo yaunokumbira mberi kwenguva, zviri nani kubva iwe. Bvunzurudza nezveinishuwarenzi inobatanidzwa nevanopi vese vanogona kukubata-zvakananga, kana zvisina kurongeka, sezvazvingava zvakadaro nemagariro ezvigadzirwa zvemishonga anogara kwenguva refu, radiologists, uye mabhii. Kumbira chipatara kana kliniki kana pane in-network kupa mukana pane imwe neimwe, uye utaure chido chako chekushandisa mune-network providers-uchichengeta mupfungwa kuti "mupi" unoenda mberi kupfuura chiremba achitarisira kutarisira kwako.
> Sources:
> Hoadley, Jack; Ahn, Sandy; Lucia, Kevin. Robert Wood Johnson Foundation neCent on Health Insurance Reforms (Georgetown University Health Policy Institute). Kuenzanisa Mutero: Ndeipi Nyika Inodzivirira Vatengi Kubhadhara Mitero Isingatarisiri? June 2015.
> National Academy for State Health Policy, Mutemo Wenyaya Inosungirirwa Mutemo Wakabhadhara Muna 2016.