Nzira Yokugadzirisa Tsanangudzo Yako Yezvipo
Chii Chinotsanangurwa Nezvibatsiro?
Tsanangudzo yeZvibatsiro (EOB) ndiyo fomu kana kuti rugwaro runogona kutumirwa kwauri neinishuwarenzi yako mavhiki mashoma kana mwedzi mushure mekunge uine rubatsiro rweutano rwakabhadharwa nekambani ye inshuwarisi (kana mushure mokunge kudai kuiswa, kunyange kana mari yakazara yakashandiswa kune yako yakabviswa uye yakanzi ibasa rako).
Iwe unofanirwa kuwana EOB kana iwe uri wehutano inshuwarhu, chirongwa chehutano kubva kumushandi wako, kana Medicare.
Chirongwa kubva kuna Dr. Mike: Kana iwe uri nhengo yehutano hwehutano hwehutano (HMO) iyo inopa chiremba wako kuburikidza nekutora (mari yakatarwa mwedzi mumwe nomumwe kuti akuchengetedze), iwe unogona kusagamuchira EOB nokuti chiremba wako kwete kubhadhara kambani ye inshuwarisi. Urwu urongwa hwegadziriro hahuwanzoitiki.
EOB yako inokupa ruzivo pamusoro pekuti inshumo yekuti inishuwarenzi inobva kumupi wehutano (zvakadai sechiremba kana chipatara) yakabhadharwa iwe.
Ndeupi Mashoko Ari Mukutsanangurwa Kwangu Kwezvibatsiro?
EOB yako ine ruzivo rwakakosha ruzivo runogona kukubatsira kutarisa mararamiro ako ezvehutano uye kushanda sechiyeuchidzo chezvipatara zvamawakagamuchira mumakore akawanda apfuura.
Chimiro cheEOB chine mashoko anotevera:
- Mwoyo Murefu: Zita romunhu akawana rubatsiro. Izvi zvinogona kuva iwe kana mumwe wevaya vanovimba navo.
- Nhamba yeDhipatimendi Yechipupuriro: Nhamba yekuzivikanwa inopiwa kwauri neinishuwarenzi yako. Izvi zvinofanira kufanana nenhamba iri painishuwarensi yako.
- Nhamba Yenhamba: Nhamba iyo inoratidza, kana inoreva kudai kuti iwe kana mupi wehutano wako wakatumira kune kambani yveshuwarenzi. Pamwe pamwe nenhamba yako yeInishuwarenzi nhamba, iwe uchada nhamba iyi kudai iwe une mibvunzo pamusoro peurongwa hwehutano hwako.
- Mupiro: Zita romutapi uyo akaita mabasa aya kwauri kana iwe unotarisira. Izvi zvinogona kuva zita rechiremba, laboratori, chipatara, kana vamwe vatapi vezvoutano.
- Type of Service: Nhamba uye tsanangudzo pfupi yehutano hwakabatanidzwa nehutano hwawakagamuchira kubva kumubatsiri.
- Zuva Resebasa: Mazuva ekutanga uye ekupedzisira ehutano hwehutano hwakagamuchirwa kubva kune waunopa. Kana kuda kwacho kuchienda kunochiremba, mazuva ekutanga uye ekuguma achave akafanana.
- Mutero (unozivikanwawo sekubhadhara Mitero): Mari yaunofambisa inobhadhara yako inshuwarisi yekambani yebasa.
- Kwete Zvakavhenganiswa Nhamba: Mari yemari iyo kambani yako yveshuwarenzi haina kubhadhara mupi wako. Nekuda kwechiyero ichi iwe unogona kuona ikhodi inopa chikonzero chiremba asina kubhadhara chimwe chiyero. Tsanangudzo yemataiti aya inowanzowanikwa pasi peEOB, kumberi kweEOB yako kana kuti pane chinyorwa chinowanikwa kuEOB yako. Vatsigiri vanowanzotaurirana nezvekubhadhara mitero navanachiremba, saka mari inoguma inobhadharwa (kusanganisira zvikamu zvakabhadharwa ne inshurenzi uye murwere) zvinowanzoita zvishoma kudarika mari yavanopa mari. Kusiyana kunoratidzika mune imwe nzira paEOB, pamwe nemari isina kuvharwa, kana chiyero chakavharidzirwa chakasara kupfuura chekubhadhara mari.
- Mutengo Wose Mucherechedzo : Mari yaunokwereta semugove wako webhadharo. Iyi mari inobva paurongwa hwehutano hwako hwekunze -ye-muhomwe zvinoda, zvakadai segore rinobviswa, mapayipi, uye coinsurance. Uyewo, ungangodaro wakagamuchira basa risina kuvharwa neurongwa hwehutano hwako apo iwe unofanirwa kubhadhara mari yakazara.
Zvimwe zvekuwedzera zvinogona kusanganisira mari yekubhadhara chaiyo yakagadzirirwa kune waunopa iwe uye kuti yakawanda yegore rako rinoregererwa uye rakabuda kunze kwehomwe yakaiswa sei.
Zvichienderana neEbhi yako yekambani yveshuwarenzi, urongwa hwehuwandu hunosiyana huno.
Muenzaniso weEOB:
Frank F.
murume ane makore 67 ane chirwere chechirwere cheshuga uye kuwedzerwa kweropa. Anyoresa muDhipare Advantage Plan uye anoona chiremba wake mwedzi mitatu yega kutevera chirwere cheshuga. Vhiki nhanhatu mushure mokushanya kwake kwokupedzisira, Frank akawana EOB neruzivo rwakatevera:
- Murwere: Frank F.
- Nhamba yeDhipatimendi yeInishuwarenzi : 82921-804042125-00 - Frank's Medicare Advantage Plan Identification Number
- Nhamba Yomutsva : 64611989 - nhamba yakagoverwa kudai iyi neFrank's Medicare Advantage Plan
- Mupiro: David T. MD - zita rechiremba waFrank's primary care
- Type of Service: Kutevera-Up Office Office
- Zuva Rebasa: 11/21/09 - zuva iro Frank aive nehofisi achishanyira naDkt David T.
- Mutero: $ 135.00 - mari iyo Dr. David T. akakokera Frank's Medicare Advantage Plan
- Kwete Zvakafukidzwa Nhamba: $ 70.00 - muwandu weDkt David T's Bill kuti chirongwa chaFrank hachizobhadhari. Nhamba yepamusoro peiyi yaiva 264, iyo yakatsanangurwa kumashure kweEber's EOB se "Kupfuura Mushonga Unobvumira"
- Mutengo Wose Wokushivirira: $ 15.00 - Hofisi yeFrank inoshanyira mari
- Mari inobhadharwa kune mupiro: $ 50.00 - mari yemari iyo Frank's Medicare Advantage Plan yakatumirwa kuna Dr. David T.
Mamwe masvomhu: Dr. David T. anobvumirwa $ 65 (mutero wake we $ 135 kudarika mari isina kubhadhara $ 70.00 = $ 65.00). Anowana $ 15.00 kubva kuna Frank uye $ 50.00 kubva kuna Medicare.
Sei Kutaura Kwako Kwebatsiro Kunokosha?
Mahofisi echiremba, zvipatara, uye makambani ekubhadhara mune zvezvechiremba dzimwe nguva vanoita zvikwereti zvemari. Zvikanganiso zvakadaro zvinogona kuvhiringidza uye zvingave zvakakomba, zvinoguma kwenguva refu yemari.
EOB yako inofanirwa muzvenhau yako yekubhadhara yezvechiremba. Chiongororai zvakanyatsoita kuti uone kuti iwe wakagamuchira basa iri kurikweretwa, mari iyo chiremba wako akagamuchira uye mugove wako wakarurama, uye kuti kuongororwa kwako uye nzira yako yakanyorwa uye yakanyorwa.
Kuti udzidze zvakawanda nezvekuti sei EOB yako yakakosha uye kuti ungawana sei nekudzivisa kukanganisa kweEOB, verenga:
Kuti udzidze nezvekuti vanachiremba, zvipatara, uye makambani einishuwarenzi vanoshandisa sei mazano eEOB uye vanokumbira mafomu, verenga:
Chirongwa kubva kuna Dr. Mike: EOB yako inofanira kunge ine nhamba yefoni yebasa. Usanonoka kudana iyo nhamba kana iwe uine mibvunzo kana zvinetseka pamusoro pezivo pamusoro peEOB.