Kungofanana nemubatsiri anotora inshuwalano yehutano yako haireve kuti in-network
Kana iwe uine HMO, PPO, EPO, kana chirongwa chehutano hwePOS, kutarisira kunze kwepurogiramu yako yekupa nhare inogona kukutengera mari yakawanda kupfuura kugara mu-network. Asi, hazvisi nyore nguva dzose kuona kana mupi wauri kuona ari mu-network kana kunze kwe-network nehutano hwehutano, kunyanya kana iwe usingakwanisi kugara pasi pakombiyuta yako uye kushanyira webhusaiti yako yehutano .
Kana iwe uchigadzirira kusangana nevekupa mutsva, iwe unogona kugara uchitarisa mamiriro ayo emutambo usati wasarudzwa uye udzivise kusangana kwako kana iwe ukaona uri kunze kwe-network. Zvisinei, kana uri kuwana rubatsiro rwezvehutano husina kurongeka, iwe ungasave uchida kutora nguva yekuongorora kana kana kwete mupi waunoda kuzoshandisa uri mu-network. Izvi zvinogona kubuda apo uri kutarisira kune imwe nzvimbo yekukurumidzira yekuchengetedza, kufamba-mumakiriniki, kliniki yekutengesa, kana kunyange iwe uri kuwana X-raire kana basa rebasa rinoitwa paunenge uchienda kumba kubva kuhofisi yechiremba.
Mune mamiriro ezvinhu aya, unogona kuedzwa kuti ubvunze uyo anopa, "Iwe unotora inshuwarisi yehutano yehutano here?" Apo mupiki anopindura, "hongu," ungada kufunga kuti uri kushandisa in-network provider. Asi, iwe unogona kukanganisa uye kukanganisa uku kunogona kukutengera nguva huru. Kungofanana nemubatsiri anogamuchira hutano hwako inshuwarheni haisi kureva kuti uri mu-network nehutano hwako hwehutano.
Chii Chakubvuma Utano Hwako Utano Hunoreva Zvechokwadi
Kumutarisiri wehutano, kugamuchira hutano hwako hwehutano zvinoreva
- Iyo ichapa kudai neurongwa hwehutano hwako.
- Ichagamuchira chero mari ipi zvayo urongwa hwehutano hwako huripo.
- Ichapa chikwereti kubhadhara kubva kurongwa hwako hwehutano kune bhiri yako.
Izvo hazvirevi kuti ndeye mu-network kupa neurongwa hwehutano hwako.
Ichokwadi, mubatsiri haafaniri kunge ari mu-network nehupi hurongwa hwehutano, asi hunogona kugamuchira marudzi ose ehutano inshuwarisi.
Zvinenge Zviri Mu-Network Zvinoreva Zvechokwadi
Apo mutarisiri wehutano ari mu-network, zvinoreva zvakawanda pane izvo zvichabvuma utano hwako hwehutano. Zvinoreva
- Ichakudza kukurudzirwa kwehuwandu hutano hwako hutano hwakataurirana nawo.
- Ichabvuma kubhadhara kwepurogiramu yako yehutano pamwe chete nekubhadharwa kwako, coinsurance , kana kubviswa sekubhadhara-muzere .
- Hazvizokwanisi-kukubhadhara iwe ye-in-network, chirongwa chehutano chakavharwa mabasa.
- Kana iine dambudziko nemari yakabvumidzwa yakasarudzwa nehutano hwako hwehutano hwebasa rawakapa, inotora iyo nyaya ne chirongwa chehutano pane iwe.
- Yakapfuura chirongwa chehutano hwehutano hwako hunowanzowanzobatanidza zvinhu zvakadai semari uye cheisiti chekuongorora uye chekuongorora hunhu.
- Iyo ichapa kudai neurongwa hwehutano hwako.
- Ichagamuchira chero mari ipi zvayo urongwa hwehutano hwako huripo.
- Ichapa chikwereti kubhadhara kubva kurongwa hwako hwehutano kune bhiri yako.
Chikonzero nei Mukana we-In-Network Achiri Nani Kupfuura Mupi Anonyatsobvuma Inishuwarenzi Yako
Iye zvino zvaunonzwisisa kuti kuva mu-network uye kugamuchira hurongwa hwehutano hwako hausi chinhu chimwe chete, unoda kunzwisisa kuti nei kuva mu-network kuri nani pane kungobvuma utano hwehutano uhu.
Paunoshandisa in-network kupa, une zvidziviriro zvakawanda zvausinazvo paunoshandisa kunze kwe-network provider uyo anogamuchira hutano hwehutano.
An out-of-network provider anogona kukwereta chero zvaanoda nokuda kwebasa rayo. Kana chiremba kunze kwe-network achida kukubhadhara iwe $ 5,000 nokuda kwekushanya kwehofisi, ndiyo tsika yake; anogona kuita izvozvo kunyange zvazvo ichiita sechinhu chisina kunaka. Zvisinei, in-network network inopa chibvumirano neurongwa hwehutano hwako hunotsanangura chaizvoizvo kuti ingabhadhara mari yakawanda sei nokuda kwebasa rayo. An in-network mvumo haabvumirwi kukubhadhara kupfuura iyo yakaderedzwa kuronga hurongwa hwako hwehutano hwakabvumirana nokuda kwebasa iri.
Urongwa hwako hwehutano huchabhadhara chikamu chiduku chebhadharo yekunze kwe-off-network mhondi kupfuura iyo yaizobhadhara kubasa rimwechete rakapiwa mu-network. Zvechokwadi, dzimwe zvirongwa zvehutano hazvizobhadhara dime ye-out-of-network kutarisira.
Kana hurongwa hwako hwehutano hunobhadhara kunze kwe-network, iwe unogona kuva ne20% coinsurance kune-network network asi 50% coinsurance ye-out-of-network services. Kunyangwe ne 50% coinsurance, izvi hazvirevi kuti chirongwa chako chehutano huchabhadhara 50% ye-out-of-network Bill. Ichingobhadhara chikamu chezana chezana chekubvumirwa. Iwe wakaramba uchibhadhara imwe 50% yemari yakabvumirwa pamwe nechikamu chose chikamu chebhadhiro inopfuura chikamu chakabvumirwa. Dzidza zvakawanda pamusoro peizvi mu " Sei Kuverenga Mari Yako Yekutengesa Kwekunze-Kwenyika-Kutarisira Mathem ."
Zvakaipisisa zvakadaro, kunze kwe-network deductible kakawanda kune yakakura pane iyo yakagadziriswa ye-in-network care. Zvikwereti zvaunobhadhara zvekunze-zve-network kutarisira hakuwanzo kuverenga kune yako in-network deductible. Zvikwereti zvaunobhadhara nokuda kwekunze-kwe-network kutarisira hakuwanzo kuverenga kune yako yekunze-ye-pocket , kana. Dzidza zvakawanda pamusoro pezviitiko izvi mu " Zvaunoda Kuziva Usati Wabuda-Nema-Network Care " uye " Chii Chisingatauri Paunenge Wachiri-Kwemafupa? "
Nzira Yokuita Kuti Uve Nechokwadi Kuti Uri Kushandisa In-Network Provider
Pane nzira nhatu dzokuita kuti uve nechokwadi chokuti uri kushandisa in-network provider. Dzimwe nguva unofanirwa kushandisa zvinopfuura imwe. Dzimwe nguva imwe chete inokwana.
- Tarisa webhusaiti yako yehutano.
- Dana hurongwa hwako hwehutano uye bvunza. Nhamba yacho zvichida iri kumashure kwehutano hwehutano inshuwarisi.
- Bvunza mubatsiri wako kana zviri mu-network neurongwa hwehutano hwako.
Kunyange zvazvo uchitarisa webhusaiti yako yehutano yehutano kazhinji ndiyo nzira iri nyore uye inokurumidza yekuona kuti vashandi vari mu-network uye izvo zvisiri, webhusaiti yehupenyu hwangu ine sneaky piece of fine print in the bottom of the listing of in-network providers . Inotaura chimwe chinhu kumigumisiro yekuti, "Kunyange zvazvo tichiedza kuchengetedza runyora urwu sezvakarurama sezvinobvira, ringave risingarevi zvinyorwa zvitsva kune mutevedzeri wedu. Nguva dzose chengeta nemudzidzisi wako kuti ave nechokwadi chokuti ichiri mu-network. "Nokuda kwechikonzero ichi, kuchenjera kukumbira mubatsiri usati wawana sangano, kunyange kana wakatotora mamiriro ehupi wehupi newebsite yako yeurongwa.
Dzidza zvimwe
Pane dzimwe mamiriro ayo chirongwa chehutano chako chinogona kunge chichida kubhadhara mari yekusununguka kwehutano kunze kwekuti iwe wakashandisa mu-network.