Dana 911 ye ambulensi uye iwe unogona kunge uine humwe hutsinye hwemwoyo apo iwe unowana bhiriro. Ambulance haigoni kusununguka. Vanodhura zvakawanda kuti varambe vari mumugwagwa uye vanobhadhara zvakawanda kuti vakuwane kubva pakureba A kusvika kune B. Unozobhadhara zvakadini? Uyu mubvunzo unenge usina anenge ari kukwanisa kupindura iwe, kunyanya kwete varapi vakagadzirisa .
Paruzhinji naVaAprivate
Kusiyana nemitemo yemitemo uye yakawanda moto madhipatimendi , ambulensi inenge inowanzova yega pachedu sezvo inofanirwa kunge iri masangano evanhu (semuwedhi wemoto kana dhipatimendi rehutano hwevanhu).
Pasinei nokuti sangano reku ambulensi rinopindura 911 call yako inotungamirirwa nehurumende kana bhengi rekutsvaga, iwe haungakwanise kutaura mutsauko.
Paramedics zvakafanana kana vachishandira hurumende kana kwete. Havana hanya nezvezvikwereti. Vanofarira kurapa varwere nekuwana vanhu kune zvipatara zvakakodzera.
Uye kana ambulensi iri ye-purofiti, isiri purogiramu, kana kuti inofanirwa nevanhu, vose vari kuenda kukutumira mushumo. Munharaunda dzakawanda, ma ambulensi ndiyo mhou yemari inobatsira kubhadhara mari kune mamwe mabasa ekukurumidzira (kana kuti anofungidzirwa kubatsira rubatsiro asi zvisiri kubatsira chaizvo).
Mhosva pamusoro pezvikwereti
Bhiri iro richave rakanaka zvikuru. MuAmerica, ma ambulensi anotora nzira kupfuura zvavanotora. Ndiyo nzira iyo yose munyika yose. Chikonzero ndicho chikwata chekuunganidza. Kambani yegambulendi inogona kutumira 10 mabhiridha $ 1,500 imwe neimwe. Zvimwe zvezvikwereti zvinogona kubhadharwa zvakakwana.
Imwe gwaro richabhadharwa neMurengeti pa $ 450. Zvimwe zviviri neMedicaid pa $ 105 imwe neimwe. Vamwe vose vanogona kuenda vasina kufungidzirwa nokuti murwere akanga asina inshuwarisi kana kero yekutumira bhiri.
Kana imwechete $ 3,660 yeiyo yose yakaunganidzwa uye yakaenzana mumadhora gumi nemazana emadhora emadhora, mutero we $ 1,500 unova mari ye $ 366, inenge 24,4 muzana, iyo isiri iyo yose yakaipa.
Hazvisi zvisinganzwisisiki zvekambani yeku ambulensi kuunganidza 10 muzana yemari yayo, kana kuipa. Izvo hazvisi zvema ambulensi-ichinetso mukuchengetwa kwehutano muhuwandu.
Kana ma ambulensi makambani asiri kuunganidza zvakakwana pazvikorekedzo, nei vasina kungosimudza mahara? Vangagona, asi vashomanana chete vanobhadhara vari kuenda pony kumusoro musiyano. Kana iwe ukasimudza mazana gumi kubva muzana, ivo vega vashandi vezvokutengeserana ndivo vachazobhadhara musara wega wega. Saka mushure mekubhadhara $ 1,650 kagumi, iwe uchaunganidza $ 1650 kaviri, $ 450 pamutambo weMedare uye $ 210 kune iyo miviri inonzi Medicaid. Medicare uye Medicaid mari inokonzerwa nehurumende, saka havatarisiri kuti unobhadhara zvakadini. Varwere vasina kuvimbiswa vakakudzingai kubva panguva yekutanga vacharamba vachiregeredza chikwereti apo 10% yepamusoro.
Mushure mokunge zvataurwa uye zvaitwa, 10 kubva muzana anomhanyira mumhosva achakuwana imwe $ 300, zvichiita kuti muvhareji uwane $ 396, achiri makumi maviri nemakumi maviri.
Kubhadhara kwakaoma
Chimwe chezvinhu zvinoita kuti chinhu ichi chose chinyengedzere ndechekuita bhadha. Handizokubereki nemashoko acho, asi mitemo yekubhadhara ndeimwe chikamu voodoo magic uye zvitatu zvemutemo. Tanga neIndaneti Yepa Medicare Yakabudiswa gore negore-iyo Medicare ichazobhadhara-uye yowedzera mune zvibvumirano zvakakomba "mitambo" yevashandi vehutano vehutano.
Bvunza chiremba wekurapa biller kuti atsanangure kuti sei gwaro iri riri kuitwa. Ndinofanotaura iye kana kuti haagoni kuzviita nenzira inonzwisisika. Vanogona kuita kubhadhara, asi havagoni kuitaura nyore nyore. Ndizvo zvakaoma. Nokuda kwechikonzero ichocho, vashandi vepamuviri vezvirwere vanopindura nheyo yenyu havazokwanisi kutsanangura mutero uyu kunyange kana vachida.
Inodhura Kuti Mhanya
Ndeipi iyo iyo mari yose inoenda, zvakadaro? Ambulance inotengeswa. Iwe hausi kuda kuva nehutachiona huripo huwandu hwemari inopindura iwe kuhutano hwako hutsva. Mishonga uye EMT ndiyo chikamu chinodhura zvikuru chekupindura. Maererano nepepanhau rakabudiswa neGeneral Accounting Office, vashandi vezvokurapa vanoumba anenge 61 muzana yemashandisirwo ekushandira iyo ambulensi.
Mafuta, kubhadhara nzvimbo yacho, kutarisira mari, kuchengetedza, uye zvinhu zvinogadzira zvakawanda zvezvimwe zvacho.
Wedzerai zvose izvozvo kune chokwadi chokuti ambulensi haisi nguva dzose kumhanya. Iyo ambulensi inogona kungotakura murwere kamwe chete maawa matatu. Amamiriyoni emambulance anoverenga nhamba kuti avabatsire kunzwisisa kuti iyo ikambani yekambani inobudirira yakaita sei. Gurai nhamba yekutakura nehuwandu hweawa mairi ambulense iri kushanda. Iko kunonzi Unit Hour Utilization (UHU) uye inoratidzika sevheji yemavulensi yevheji.
Muzvokwadi, kubetting kwakanaka kwemavhareji ndeyekuti UHU yakanaka inoita sei; chimwe chinhu chiri pedyo ne 0.300 kana zvakadaro. Nzira yekushandisa UHU kuti uone kuti ambulensi iri kuitei ndeyokuwedzera kuburikidza nechiyero chemufaro apo rwendo rwekugulisa runoita ($ 366, mumuenzaniso wedu). Saka, iUHU ye 0.300 yakawanda kuburikidza nechiyero chema ambulensi rwendo rwe $ 366 ingakwanisa kukupa $ 122, iyo ndiyo inofanirwa kuti ambulance yedu inowanikwa neawa, zvishoma kupfuura vanachiremba vakawanda. Kunze kweizvi, zvose zvezvinhu izvi zvinotinirwa kubhadharwa.
Zvinokurudzira Kufambisa
Iwe unogona kunge uchishamisika kuti nei ndichiramba ndichitaura nezvekufamba kana kutakura varwere. Nokuti ndicho icho chete chinowanikwa mari yakawanda, kusanganisira inshuwarheni inotungamirirwa nehurumende yehurumende, ichabhadhara. Hazvifukidzi kuporesa varwere chete. Mumwe mupfungwa kana EMT angasvika pamamiriro ezvinhu emumuviri wekuchera uye anoita Heimlich nzira, achiponesa hupenyu hwake. Kana murwere akatsunga kuita zvakanaka uye asingadi kutasva kuchipatara, ambulensi yakangoponesa hupenyu hwayo haina kuwana dime.
Vanogona kukwereta kuti vamubatsire kunze, uye ma ambulensi mazhinji vanoita. Asi, chokwadi chaicho ndechokuti, hurumende dzakawanda hazvizobhadhara uye ma ambulensi mazhinji haazoitevera. Saka, apo ma ambulensi masangano ari kuita mathemati kuti aone kuti mari yakaita sei (kana kurasikirwa) iyo inowanzoonekwa mune zvisiri kutakura.
Kunze kwekuti kutakura ndiyo nzira chete yekubhadharwa, kwete kutakura ndiyo nzira inowanikwa yakawanda yekugombedzerwa. Kusiya murwere panzvimbo yechiitiko chinokurumidzira (kana kuti kunyange chinoonekwa nokukurumidzira) ndicho chiito chinotyisa zvikuru chirwere chinogona kuendesa.
Uchapupu hunoratidza kuti varapi vepamuviri havasi vatongi vakuru kana murwere asiri iye anorwara. Saka, pane mukana wekuti tisina kukanganisa kana tisingatori mumwe munhu kuchipatara uye hapana nzira yatinenge tichibhadhara kunze kwekuti isu tivatore. Ndezvipi zvinoita kuti zvinzwisise, kutora kana kusiya?
Zvaunogona Kuita
Chokutanga, kana iwe uchifunga kuti une chirwere chinokurumidzira, teerera chikwereti. Enda kuchipatara uye uwane zviri nani. Kune rumwe rutivi, kana iwe usina kudana 911 uye iwe haufungi kuti uri kuona chirwere chechokwadi chekurapa, unogona nguva dzose kutora Uber.
Iwe unogara uine kodzero yekuramba kurapwa . Usazviita kana iwe uri kunyanya kurwara, asi kana iwe uchida kuchengetedza mari uye iwe haufaniri kuchidikanwa, nguva dzose ivai nechido chokumira iwe pachako.
> Sources:
> (2016). Gao.gov . Yakadzorerwa 27 Svondo 2016, kubva pawww.www.gao.gov/assets/650/649018.pdf
> Mari yeAmbulance Schedule - Zvikamu zveMedare & Medicaid Services . (2016). Cms.gov . Yakadzorerwa 27 Svondo 2016, kubva ku https://www.cms.gov/Medicare/Medicare-Fee-for-Service-Payment/AmbulanceFeeSchedule/index.html
> Brown LH, Hubble MW, Cone DC, Millin MG, Schwartz B, Patterson PD, Greenberg B, Richards ME. Paramedic mazano ekurapa anodiwa: meta-analysis. Prehosp Emerg Care . 2009 Oct-Dec; 13 (4): 516-27. doi: 10.1080 / 10903120903144809. Kudzokorora.
> Narad RA, Gillespie W. Hurukuro yevanhu neyepasuo: kuparadzanisa zvokwadi kubva kune zvinokosha. Prehosp Emerg Care . 1998 Jul-Sep; 2 (3): 196-202.