Nzira Yekudzivisa Matambudziko Anokonzerwa neIri-ye-Network Zvitemo uye Bhizimisi
Zvaimbova kuti isu varwere tinogona kuita musangano pamwe chete nechiremba chero chipi zvacho kana chipatara chatinoda, uye kwete kupa chero fungiro kuti kana kwete chekambani yedu yveshuwarenzi ingabhadhara kune avo vakagadzwa kana kuti chipatara chinogara. Zvisinei, izvo hazvisi zvechokwadi. Sezvo utano hwehutano inshumo uye mari inowedzera kuoma kuvarwere kuti vatarisane nayo, zvakafanana zvakare kune vanachiremba, zvipatara, zvivako zvekuedza, pharmacies nevamwe vapeji vezvoutano.
Somugumisiro, vanachiremba vashoma uye zvivako vanofarira kushanda nekambani dzemakambani emishuwarenzi ehutano-uye izvo zvinoreva kutambura kuvarwere.
Hazvisiri zvisiri zvekare kune chiremba kana zvimwe zvekupa hupi kuti tisaputirwa neurongwa hwe inshuwarisi. Yakawanda hurongwa hweinishuwarenzi hunogadzirisa avo vatinogona kuona, kana kuti tinogona kuenda kuchipatara nekuramba kubhadhara mabasa aya uye kutarisira . Kana tikaona chiremba kana mumwe mupiki asina kuvharwa nehushuwarisi-kana kuti kwete isu taida kuzviita-inonzi "kunze kwekunamatira" .
Dzimwe nguva tinoita sarudzo iyoyo nemaune. Zvichida unoziva kuti chiremba wako haachifukidzwe nepurogiramu yako yveshuwarisi asi iwe haungarega mumwe munhu achiunza mwana wako. Iwe uchabhadhara zvimwe zvekuti kunze kwe-network-kutarisira nokuti iwe unotenda kuti zvipatara zvemashoko zvakakosha zvakadzingwa kubva muhomwe yehomwe.
Dzimwe nguva tinopofumadzwa nemamwe mabhiriro anobva kune kunze kwe-network wekupa uyo watakafunga kuti akavharwa asi asiri.
Chiremba wako chirwere chikamu cheshuwarisi yekambani yako, asi radiologist chiremba wako chiremba anoshanda naye haasi uye iwe unowana bhizimusi rinobva kune radiologist. Kana iwe unoenda kunoona chiremba mukuru wekuchengetedza wawakamboona kwemakore, kungoziva kuti paine mari yakareba zvakadini pane iwe waitarisira kusvika iwe kuti chiremba wako haasati agamuchira inshuwarisi yako chirongwa.
Kana kuti, inshuwarisi yako inobhadhara mari yezvipatara, asi kwete muimba yega yega uye muimba yega yega ndiyo yaiva yeropa chete, saka iwe unopedzisira uri kukweretwa muimba yega yega kana usina iwe inshuwarisi.
Zvichida chinonyanya kuodza mwoyo chekunze kwe-network kudhura ndechekuti kune zvakasiyana zvezvivakwa zvematongerwo emakambani einishuwarenzi nemunhu mumwe nomumwe. Mienzaniso: Chiremba anoshanyira izvo zvinodhura inshuwarisi yako $ 40 yekubhadhara mari inokubhadhara $ 100 kubva muhomwe yako seve -out-of-network service . Kana kuti mishonga yakashandiswa kukubhadhara $ 10 kubhadharwa, uye inotengesa insurer yako $ 50, ikozvino inokubhadhara madhora zana 120 mu pharmacy nokuti iwe hausi chikamu chekubatanidza.
Chii chatinogona kurwara nacho pamusoro pazvo? Kune matanho mashomanana atinogona kutora kuti tidzivise kunze kwe-network-mari kana kuti kuedza kuzvidzora
Nzira Yokudzivisa Kubuda Kwematare Kwemitambo
- Usati wagamuchira kutarisira, usangozvibvunza kana chiremba kana basa "rinoshanda ne" inshuwarisi yako. Vanachiremba vazhinji uye zvipatara zvehutano vachakuudza kuti hongu, "vachashanda" newe insurer yako , kunyange kana basa iroro richionekwa se-ye-network. Pane kudaro, bvunza kana vari chikamu chepurogiramu yako yeunetaneti. Uye, chokwadi, tora mhinduro yacho nekunyora chero nguva zvichibvira.
- Usafungidzira kuti chero chipi zvacho chiremba chako chirairo kwauri chichafukidzwa nekuda kwekuti chiremba wako akafukidzirwa. Chiremba wako angarayira kuongororwa kweropa uye anokutumira kubhii muchivako chakafanana. Asi iyo yebasa ingave isina kuvharwa nehutano inshuwarhu yako. Tora kaviri kutarisa matanho ose emugwagwa.
- Kana zvichikwanisika, chengetedza nemubhizimisi wako isati yatarisirwa, zvakare. Bvunza inshuwarisi yako (kana enda kune imwe nzvimbo paIndaneti kune webhusaiti yehupfigiro kuti uwane) kana chirongwa chako chikaisa vanachiremba uye mazamu aunoda. Izvi zvingava zvisiri nyore kuzarura munyaya yakadai sebhadharo rechipatara rinotsanangurwa pamusoro, asi zvakakodzera kuedza. Uye, zvechokwadi, kuwana mhinduro yacho nekunyora chero nguva zvichikwanisika.
Kana Iwe Wakawana Bhuku Risiri Bhuku reMutemo Bhuku
- Kumhan'arira kumakambani einishuwarensi kutanga, uye ona kana iwe uchigona kuvabhadhara kubhadhara mabhiriro. Iwe unogona kuwana tsanangudzo mumutemo wako yakazara. Bvisa zvose zvimiso kuti uone kuti unoita kuti zvive zvakaoma kwazvo kuti vati kwete.
- Taurai nezvezvikwereti. Dana dhipatimendi rekubhadhara kana chipatara, uvaudze kuti zvikwereti zvako hazvina kugadziriswa, uye uremekedze kuti vakubatsire kuvaburusira kusvika kune zvaunokwanisa kuwana. Vabvunze kuti vasaremekedze izvo kambani yeinishuwarenzi ingadai yakabhadhara kwavari. Vabvunze kuti vakuise purogiramu yekubhadhara, zvakare.
- Kana iwe usingakwanisi kana usingaregi kumubhizimisi, kana kuti haugone kana kuti haufaniri kutaurirana nezvezvikwereti iwe pachako, tsvaga mubatsiri wekubhadhara mune zvokurapa kuti akubatsire. Vachakutaurirana pamusoro pako, vachaita kuti zvikonzero zvisina kukodzera uye zvisina kukodzera zvibviswe, uye vachakuisa purogiramu yekubhadhara nechipatara. Iwe unofanirwa kubhadhara mabasa avo, asi iwe unogona kunge uchiita zvakawanda kupfuura iwe unopedza nekuda kweruzivo rwavo rwekuti system inoshanda sei.
Nzira Yokutsanangurira Nenzira dzekuchinja kuwedzera kwekunze kwe-Network Care
- Kumanikidza zvikuru uye kazhinji. Kumhan'arira kuchipatara kana mupiki (mushure mekunge mataurirano ako apera.) Kumbirira kune wako inshuwarisi. Uye kunyunyuta kune rimwe dhipatimendi rehutano yehutano uye gweta guru munharaunda yako.
- Iva wakangwarira sezvinobvira mukusarudza utano hwehutano uhu kana iwe uchikwanisa kuchinja. Inishuwarenzi zvirongwa zvinofanira kupa urongwa rwechiremba vanobvuma zvirongwa zvavo vasati vazvipira kune inshuwarisi yavo, saka unogona kutanga ipapo. Iwe unogona kubvunza chiremba wako kana mubvunzo wemabiko ehofisi, zvakare.