Kuenzanisa kubhadhara kunogona kukushamisa iwe nemitemo yezvechiremba iyo mazana, zviuru, kana makumi makumi ezviuru zvemadhora zvinopfuura zvakatarirwa.
Kana chiremba wako kana chipatara achikutarisira kuti ubhadhe chikamu chinenge chiripo mushure mekubhadhara mushure mekunge iwe wakabhadhara mari yako yakabhadharwa , coinsurance , kana kubhadharwa uye kambani yako yveshuwarensi yakabhadhara izvo zvinoremekedzwa kuribhadhara, iwe uri kuenzaniswa kuripo.
Dzimwe nguva kuenzanisira kubhadhara kune mutemo, uye dzimwe nguva hazvisi pamutemo. Maitiro aunozviita achavimba nekuti kana kwete iyo yemari yemari yebhadharo.
Kana Uri Kuenzanisa Kunobhadharwa Izvozvi
Usabhadhara chikamu-chikwereti chikamu chemutemo wezvokurapa kana iwe uri kuenzanisa-kutengeswa zvisiri pamutemo. Mune zvimwe zviitiko, kubhadhara kusingabvumirwe kwemutemo kusina simba, kunyange mhosva, mhosva. Iwe une dzimwe nzira dzakasiyana-siyana dzekuti ungapindura sei kana iwe uchifungidzira iwe uri kuenzanirana kubhadhara zvisiri pamutemo:
- Taura nemutano wehutano uye kurukurai mamiriro acho ezvinhu. Neyo nzira, iwe uri kupa kupa wako rubatsiro rwekusava nechokwadi, kusvika kune nyaya sekunge iri nyore kukanganisa kukanganisa. Tsanangura kuti nei uchifunga kuti kuenzanisa kubhadhara kunorambidzwa munyaya iyi, uye bvunza mupiro kuti agadzire kukanganisa kwebhadha.
- Kana nhaurirano yako nemupiki isingagadziri dambudziko racho, tonyunyurira kambani yako yveshuwarenzi, Medicare, kana Medicaid, chero ipi zvayo inopa kugoverwa kwako. Udza kambani yeInishuwarenzi iwe uri kuenzanisa-ikokodha, uye ukumbire kuti inopindire iwe. Kana une Medicare kana Medicaid, taura neCent for Medicare neMedicaid Services.
- Mukuwedzera, iwe unogona kunyunyuta kune simba rinotungamirira wehutano wehutano. Munyaya yechiremba, izvi zvinogona kunge iwe weBhodi yeMishonga. Tsvaga ruzivo rwekufambisa kune imwe nhengo yeBhodi yeMishonga pano. Wana ruzivo pamusoro pesimba rekutungamirira kune zvipatara zvehurumende imwe neimwe kubva kune Empowered Patient Coalition. Kana iwe uchinzwa kuti iwe hausi kutarisirwa zvakakwana nehutano wako wehutano, tonyunyuta kune dunhu reDhipatimendi reInishuwarenzi.
Kana Iwe Uchiziva Pakutanga Iwe Uchava Mutemo Wemafungiro Anokwaniswa
Kutanga, edza kudzivirira kuenzanisa kubhadhara nekugara mu-network uye kuve nechokwadi chekambani yako yveshuwarisi inosangana nemasaiti mauri kuwana. Kana iwe uine x-rays, MRIs, CT scan, kana PET inoongorora, ita nechokwadi kuti nzvimbo yekufungidzira uye radiologist iyo ichaverenga kuverenga kwako iri mu-network. Kana uri kuronga kuvhiyiwa, bvunza kana anesthesiologists ari mu-network.
Kana iwe uchiziva zvisati zvaitika kuti iwe uchange uri kushandisa kunze kwe-network mutapi kana mupiki asingagamuchiri Medicare mugove, une zvimwe zvingasarudzwa. Zvisinei, hapana chimwe chazvo chiri nyore uye zvose zvinoda kutaurirana.
Kumbira kuongororwa kwemhosva yemupi. Zvadaro, bvunza mubhadhari wako zvavanofunga kuti zvinonzwisisika uye mutsika yemutambo webasa iri. Kuwana mhinduro kune izvi kungave kwakaoma, asi ramba uchitsungirira.
Kana uchinge wakayera zvinopiwa nemupi wako uye izvo iyo kambani yako yveshuwarensi ichabhadhara, iwe uchaziva kuti kure zvakadini nhamba yacho uye kuti chii chinowedzera mari yako. Nezivo izvi, unogona kuderedza gomo. Pane nzira mbiri chete dzekuita izvi: itai kuti muridzi wako atore mari shoma kana kutenga yako inshuwarheni kubhadhara zvakawanda.
Kumbira mubatsiri kana iye akabvuma kambani yako yveshuwarisi yakanzwisisika uye tsika yemitemo sekubhadhara kwakakwana.
Kana zvakadaro, tora chibvumirano chakanyorwa, kusanganisira chikamu che-balance-billing.
Kana mupi wako asingagamuchiri chikonzero uye chetsika sekubhadhara zvakakwana, tanga kushanda pa insurer yako. Kumbira bhizimisi rako kuti uwedzere mari yavari kutaura inonzwisisika uye tsika yechiitiko ichi. Ipa hurukuro inogutsa nekuratidza kuti sei nyaya yako iri yakaoma, yakaoma, kana nguva inopedza kurapa kudarika mavhareji akadai mabhizimisi emishuwarenzi ayo anonzwisisika uye mutsika.
Imwe nzira ndeyokukumbira mubhadhari wako kuti ataure chibvumirano chimwechete- chechi neyekunze -network-mupiro webasa iri.
Dzimwe nguva vanogona kubvumirana pane imwechete-kambani yekodhi yemari yako inishuwarenzi inowanzopa iyo in-network providers. Dzimwe nguva vanobvumirana pane imwechete-kambani yekutengesa pamutengo wekubvisa chiremba wako anogamuchira kubva kumakambani einishuwarenzi iye atove mu-network. Kana, dzimwe nguva vanogona kubvumirana pane imwechete-kambani yekodzero yepakati yemugovera wekodzero dzemhosva. Chero chipi nechipi chibvumirano, ita nechokwadi kuti inosanganisira pas-balance-billing clause.
Kana zvose izvi zvingasakundikana, unogona kubvunza wako inshuwarisi kuti uvhare izvi kunze kwe-network kushandiswa uchishandisa yako-network coinsurance rate. Kunyange zvazvo izvi zvisingagoni kudzivirira kubhadharwa kubhadhara, zvishoma iwe inshurensi yako ichabhadhara chikamu chepamusoro chebhadha sezvo kubhadhara kwako kwe-in-network kutarisira kudarika kwekunze kwe-network.
Kana iwe ukatevedzera sarudzo iyi, iva nharo inogutsa pamusoro pokuti nei inshuwarisi inofanira kubata ichi se-network. Semuenzaniso, hapana mahara munharaunda ye-network inowanikwa mune imwe nzira yako yekuvhiya, kana kuti maitiro ezvinokonzerwa ne-in-network surgeons anonyanya kukunda kupfuura avo vekuvhima kwako kunze kwe-network.
Kana Iwe Usingazive Chinetso Chacho Kusvikira Wapedza Kubvuma Kuchengeta
Kutaurirana mushure me-i-chokwadi apo iwe wati wambowana mari yemari yemari yakaoma, asi iwe unenge uine zvingasarudzwa.
Iwe unogona kutaurirana nharaunda yakatarwa-yakabhadharwa nemupi wako. Yeuka, mupi wako anoda kubhadharwa uye angasarudza kuwana mari yake nokukurumidza uye asina kubhadhara chikamu chacho kune rimwe sangano rekuunganidza. Izvi zvinoreva kuti muperekedzi angabvumirana nekuderedza mari yakawanda inokweretwa kumutengo wekubvisa iyo inogamuchira kubva kumakambani einishuwarenzi ari mu-network, kana iwe uchibvumirana kubhadhara mugove wako pakarepo. Kana, mupi wako angagamuchira chikamu chemari yakasara sekubhadhara zvakakwana kana iwe uchibvumirana kubhadhara mari pakarepo. Vamwe vachakubvumira kuti ugadzire chirongwa chokubhadhara.
Iwe unogona kutaurirana newaunishuwarenzi yako. Kana bhizimisi rako rave rabhadhara mari yekunze-ye-network pamutengo unonzwisisika uye wekodzero, iwe uchange uine dambudziko rokuisa chikwata chakanaka kubvira apo bhizinesi hauna kunyatsokuramba kuda kwako . Yakabhadhara kuda kwako, asi pakunze kwe-network rate. Pane kudaro, kukumbira kufungisisa zvakare. Iwe unoda kambani yako yveshuwarenzi kuti iongorore zvakare chisarudzo chekuvhara ichi sekunze-kwe-network kuchengetedza , uye panzvimbo ino kuifukidze se-in-network kutarisira. Iwe uchange uine ruzivo nerwendo urwu kana iwe uine chikonzero chekurapa chiremba kana chikonzero chekusarudza an out-of-network provider.
Kana iwe uchinzwa sokuti wakatorwa zvisina kunaka nekambani yako yveshuwarenzi, tevera urongwa hwako hwehutano hwepfungwa yekupomera kusarudzo. Iwe unogona kuwana ruzivo pamusoro pekugadzirisa kwekugunun'una kwako kwekuchengetedza kwekuchengetedzwa kwepurisa muzvibatsiro zvebhuku rako kana kubva kumashandi ako evanhu. Kana izvi zvisingagadziri dambudziko racho, unogona kunyunyuta kuDhipatimendi rehurumende yeInishuwarenzi. Tsvaga ruzivo rwekufambisa kweDhipatimendi reInishuwarenzi nekusarudza yako nyika iri pamepu iyi.
Kana hurongwa hwako hwehutano hwakazvipira iwe pachako, zvinoreva kuti iwe waanoshandira ndicho chikamu chaicho chiri kubhadhara zvikwereti zvemari kunyange zvazvo kambani yveshuwarenzi inogona kutungamirira chirongwa, ipapo chirongwa chako chehutano hachigoni kuwira pasi pesimba rebazi rako rehurumende rehurumende. Zvirongwa zvekuzvipira zvinowanzowira pasi pesimba reDhipatimendi reVashandi reHurumende yeVashandi Vanoona Nehupfumi. Wana mamwe ruzivo kubva kuEBSA yebatsiro rebatsiro rebatsiro revatengi kana kutumidza mazano EBSA mazano kune 1-866-444-3272.