Pamusoro pezvimwe chete zvekusiya chipatara chinowirirana pakati pevarwere vose ndekuti isu tose tinozviita nokukurumidza kana gare gare. Kurapa kwechipatara ndiyo nzira yaunogadzirira kuenda nayo, wozobva muchipatara.
Munyika yakanaka, kusununguka kuchipatara kwaizoitika kana iwe nechiremba wako muchifunga kuti nguva yakarurama. Iwe unenge wakasimba zvakakwana uye une hutano hwakakwana kuti uite kwete kwete chete kukosha kwekuita mabasa nemashoko, asiwo kuzvichengeta pachako kana wauya kwaunosvika.
Zvisinei, hatisi kurarama munyika yakanaka. Kuti unzwisise kuti nei zvinetso zvichikwira nekupedza nguva yekurapa kuchipatara, uye chii chingaitwa pamusoro pacho, tinofanira kunzwisisa kuti chirevo chacho chinenge chakaitwa sei nezvehuwandu hwenguva yauchapwa muchipatara.
Chikonzero nei Kubudiswa Ndicho Chisarudzo Chekubhadhara Kwako
Tisati tambobvumirwa kuenda kuchipatara, zvipatara zvedu zvose uye chero zvipi zvati zvataurwa, maitiro, uye marapirwo anofanira kutenderwa kubhadharwa nevatengi vedu-inshuwarisi yekambani kana mubhadhadzi wevanhu vakadai seMedare, Tricare, VA kana kuti Medicaid yenyika inobhadhara.
Kuti uone kuti chii chavanozobhadhara, vateresi vanovimba nemitemo yekuongorora , inonzi magwaro eIndaneti, uye nzira (service) nheyo dzinonzi CPT codes kurondedzera chakashata newe, uye naizvozvo kurapwa kana zviedzo zvinoda kuitwa kuti zvikubatsire. Yakabatanidzwa mune tsanangudzo idzodzo inowanikwa nguva yakawanda yaunobvumirwa kuva muchipatara kuti upedze mabasa anowira pasi pemitemo.
Zvechokwadi, chii "chiyero" zvinoreva kuti munhu anofungidzira. Inotarisana nemafungiro emakambani einishuwarenzi pamusoro peiyo murwere akanaka, mumwe munhu asina matambudziko mamwe, angadikanwa. Hazvisi zvachose zvichibva kune varwere nevamwe uye maitiro avo.
Saka, zvichibva kune avo vanotarisirwa nheyo dzakatarirwa kwauri, kana nguva yako yasvika, mubhadharo wako haachazopizve kubhadhara kwako.
Kana vasingakwanisi kubhadhara, kunze kwekuti iwe unogona kubhadhara mari, chipatara chichakutumira kumba. Nokudaro, zuva rako uye nguva yekubudisa hazvisi kubva pakugadzirira muviri. Izvo zvakabva pamari yekodhi iyo inogona kunge iri kurwisana zvakakwana nekugadzirira kwako.
Nei Vatendi Vachifanira Kuramba Vachigamuchirwa kwenguva refu?
Matambudziko achakurira kana iwe usati uri "muyero." Zvichida muviri wako unotambudzika kuporesa kubva pakuvhiyiwa. Zvinoita kuti iwe uwane chirwere chepachipatara , kana wakamboshungurudzwa nemhosva yechirwere. Vanhu vakwegura vanotora nguva yakareba kuti vadzoke netsoka dzavo.
Nokuda kwezvikonzero izvi uye vamwe, iwe kana chiremba wako angasarudza kuti mubhadhadzi akapiwa nguva haisi nguva yakakwana kwauri. Kana paine imwe dambudziko (kufanana nehutachiona kana chirwere chemishonga), chipatara chinogona kungoedza kuwedzera kubhadhara kwekugara kwako, uye iwe hauzombozvinzwi nezvazvo. Asi izvozvo hazviiti nguva dzose.
Kune zvikonzero zvemari zvekuti iwe unoda kuramba uchiwedzera rimwe zuva kana maviri, zvakare. Somuenzaniso, kana iwe uchida kubudiswa kune unyanzvi hwekurapa unyanzvi kana rehabhi, Medicare haingabhadhari iyo kunze kwekuti iwe wakagara mazuva matatu. Saka iwe unogona kubatwa musungwa. Chii chakakanganisika newe-kubva pane yako yekutsvaga kode-zvingareva kuti ichabhadhara kwemazuva maviri chete.
Asi kana iwe wakasunungurwa mumazuva maviri, unogona kubatanidzwa nemari yeimwe nzvimbo-zvimwe kwemwedzi kana makore.
Ndezvipi Zvikonzero Zvausingafaniri KUDA Kuramba Zvakare?
Zvinogonawo kuti kusada kuenda kwako hakusi kwehupenyu hwehutano hwako zvachose; asi zviri pamusoro pokushayikwa kwekutarisira rubatsiro iwe unenge uri kumba, kana kunyange kutya chete kuti pasina munhu anokucherechedza 24/7, kuti chimwe chinhu chakakura chingaitika chingazoitika chisingaoneki. Zvichida iwe uri woga uye iwe unofarira kukosha kwaunowana muchipatara.
Ichokwadi ndechokuti, pane dzimwe nguva, izvi hazvina kunaka zvikonzero zvekugara.
Sei?
Nokuti zvipatara nzvimbo dzinotyisa. Vaya vanorwara zvikuru ndivo vanowanikwa muzvipatara, uye pamwe chete navo vanowanikwa zvirwere zvinotapukira zvakanyanya nyore.
Zvirwere zvinowedzerawo misoro yavo yakaipa apo vashandi vechipatara vanokuchengetedza-vanachiremba, vanachiremba nevamwe-usashanda zvakaoma kumisa kupararira kwavo, zvavanogona kuita nokushambidza maoko avo uye kutora mamwe matanho kuitira kuti uchengetedze.
Uyezve, tinoziva kuti mazana ezviuru zveAmerica anofira muzvipatara gore roga rega , kwete kubva pachikonzero chavakapinda muchipatara kutanga nacho, asi nokuti chimwe chinhu chakaitika munguva yekugara kwavo kuchipatara chakavauraya.
Kana ukasarudza kurwisa kusununguka kwako kuchipatara, iva nechokwadi kuti ndeyekuti zvinonyatsokosha kuti iwe ugone kuponesa uye hazvikuise pangozi yakawanda kubva kune marudzi aya ematambudziko echipatara.
Kuguma kwenguva refu Kungakutengesa Zvakawanda
Sezvaunofunga kuisa chikumbiro, usakanganwa kuti kugara kwenguva refu kunogona kukubvisa iwe muhomwe yako zvakare, zvakare. Iwe unogona kubhadharana, kubhadhara uye co-inshuwarheni iwe uchakweretesa kuchipatara chekuwedzera.
Ita Chikumbiro kuitira kuti Iwe Unogona Kuramba Uri muchipatara
Kana wangove wakapiwa zuva rokubudisa uye iwe uye chiremba wako anobvumirana kuti iwe unofanira kuwedzera kugara kwako, iwe unoda kukumbira (kurwisana) zuva rawakasunungurwa rawakapiwa.
Matanho ekukwezva zuva rokudzora ichasiyana kubva kuchipatara kusvika kuchipatara, uye kubva kuhurumende kusvika kune imwe nyika kunze kwekuti iwe uri murwere weMedare. Medicare ine nzira yakanyatsotevera yekutevera pasinei nokuti uri kugara kupi kana kuti chipatara chawakabvumirwa nacho.
Iyo mirayiridzo inogona kushandiswawo nechipatara kune vasiri-Medicare varwere, saka kana ukasarudza kuteterera uye iwe hausi murwere weMedare, unogona kuedza kuedza kutevera mirairo yavo zvakadaro.
Heano zvimwe zviitiko zvinogona kukubatsira kwauri pasinei nokuti ndiani mubhadhari wako:
- Zvizhinji zvezvipatara zvinokupa mazhizha akawanda paunobvumirwa. Yakabatanidzwa inofanira kuva chirevo chekodzero dzako, iyo inofanirawo kusanganisira ruzivo pamusoro pekubudiswa kwako uye kukumbira kusunungurwa. Kana iwe usina kupiwa chiziviso chokubudiswa uye kuti iwe ungaisa sei chikumbiro, kumbira mumwe kubva kumutevedzeri wezvirwere kana mutariri wechipatara . Zvadaro tevera mazano.
- Munhu waunenge uchidaidzira kune iyo anonzi "QIO" inomiririra Wekugadzirisa Zita reZvita. Hurumende yehurumende inonyanya kudikanwa nenzira iyo KOI inobata kusunungura kubvunzwa.
- "Kuchengetedzwa kwakachengeteka" ndiyo izwi rinokosha rinonzi Medicare rinoshandisa, uye iwe unogona kuishandisa, zvakare. Paunoshandisa chikumbiro chako, iva nechokwadi chokuti iwe hautendi kuti chirongwa chekubuda kwemazuva ano chinosangana nezvido zve "Safe Discharge" sezvinotsanangurwa neMedare, kunyange iwe hausi mushonga weMedare. Kungoshandisa izwi iri rinogona kureva kuti chisarudzo chichakubatsira iwe.
Chipatara Chingakubatsira Kurwisa Kubuda
Kuchengeta mupfungwa kuti zvipatara zvinongogadzira mari kana mabhedha avo azere, pachava nemamiriro ezvinhu apo vanoda kuenda kundokuritira kuti vakubatsire kuchengeta iwe ipapo. Zvechokwadi, iyo yakareba iwe uchigara, mari yakawanda yavanoita. Nokudaro, iwe unogona kuvimba pavari kuti agutsikane nemubhadhara wako kuitira kuti ugare ipapo.
Mukuwedzera, mitemo mitsva yakapfuura mumakore mashomanana apfuura yakapa zvikwereti zvichange zvakakanganisa mari yezvipatara kana zvinetso zvichibva kune-zvakare-kubuda kwekutanga.
Chero chipi zvacho chaunosarudza, iva nechokwadi chokuti chiri muchido chakanaka chehutano hwako nehutano hwehutano uye kuti kushungurudzika kwegadziriro yacho hakuiti zvakaipa pane iwe.