Unoda kutarisirwa kubva kune-kunze-we- nharaunda chiremba, kliniki, kana chipatara? Iwe unogona kubhadhara zvakawanda pane zvaunoda kana ukagara mu-network. Ichokwadi, pamwe neHMO s uye EPO s, inshuwarano yehutano ingasazobhadhara chero chinhu chekunze kwe-network . Kunyange kana inshuwarhu yehutano yehutano ipo PPO kana chirongwa chePOS chinowedzera kubhadhara kwako kunze-kwe-network, chikamu chako chebhadharo chichave chikuru pane iwe waiwanzobhadhara kubhadhara mu-network.
Zvisinei, pasi pemamwe mamiriro ezvinhu, urongwa hwako hwehutano huchabhadhara kuitira kunze kwe-network kuchengetedza pahuwandu huripo hunobhadhara mu-network, kutarisira iwe mari yakawanda. Iwe unongoda kuziva nguva uye kuti ungabvunza sei.
Apo Hurongwa Hwenyu Hwehutano Huchabhadhara Mu-Nheyo Mitengo yeZva-Ye-Network Care
Inishuwarenzi yehutano inotungamirirwa nemitemo yenyika. Hurumende imwe neimwe yakasiyana nevakidzani vayo, saka zvinotevera ndezvemashoko makuru anoshanda kune vazhinji venyika. Zvisinei, kana mitemo yenyu yenyika yakasiyana, chirongwa chako cheutano chinogona kutevera mitemo yakasiyana.
Zvirongwa zvehutano zvinogona kutora kubhadhara kubhadhara iwe unowana kunze-kwe-network sekunge iwe unayo kubva kune-in-network provider mumamiriro anotevera:
- Yaiva yakaoma uye iwe wakaenda kune imwe nzvimbo yepamhanho yekukurumidzira inogona kugadzirisa chirwere chako. Muchiitiko ichi, chirongwa chako chehutano chinogona kukanganisa pane "dambudziko" sekuteerera nzeve, kuhoora kunokakavara, kana chimwe chiitiko chekurutsa. Asi, zvinogona kuvhara kunze kwe-network kushandiswa kwekukurumidza kwezvinhu zvakadai sekufungidzirwa kwekurwadziwa kwemoyo, kurohwa, kana kutyisidzira upenyu uye kukuvara kwechikwata.
- Hakuchina in-network providers apo iwe uri. Izvi zvinogona kureva kuti iwe uri kunze kweguta kana iwe uchirwara uye ukawana hurongwa hwako hwehutano hwehutano hahufukidze guta raunoshanyira. Zvinogonawo kureva kuti iwe uri munharaunda yako yehutano yehutano, asi hurongwa hwako hwehutano hwehutano haruna kusanganisira rudzi rweanyanzvi iwe unoda, kana chete mu-network ruzivo makiromita mazana maviri kubva kure. Muzviitiko zvose izvi, urongwa hwako hwehutano huchava hukuru hwekuchengetedza kunze kwe-network kuchengetedza pane in-network rate kana iwe uchisangana nehutano hwehutano usati wawana rubatsiro.
- Iwe uri pakati pekushanda kwakaoma-kurapa (funga chemotherapy kana nhengo yekugadzirisa) kana waunopa wako achibva anobva pakuva--taneti kune kunze kwe-network. Izvi zvinogona kuitika nokuti mupiki wako akambomira kubva, kana akasarudza kuenda, network. Zvinogonawo kuitika nokuti utano hwehutano hwehutano hwakachinja. Semuenzaniso, zvichida iwe une basa-based coverage uye wako waaishandira haasati aipa chirongwa chawakange uine kwemakore kuitira kuti iwe wakamanikidzwa kuenda kune chirongwa chitsva. Mune zvimwe zviitiko, urongwa hwako hwehutano huripo huchakubvumira kuti upedze kupera kwako kwehutano neyekunze kwe-network mupiro paunenge uchivhara kutarisirwa kweiyo mu-network rate.
- Njodzi yemazuva ano inoita kuti zvive zvisingakwanisi kuti iwe uwane in-network care . Kana nzvimbo yako ichangopfuura nemafashamo, dutu, kudengenyeka kwenyika, kana moto wemoto zvakakonzera zvakanyanya nzvimbo dziri mu-network panzvimbo yako, urongwa hwako hwehutano hunogona kunge huchida kubvisa iwe kunze kwe-network kutarisira pa-network network nokuti -network zvivako hazvigoni kukuitira iwe.
- Pane mamiriro ezvinhu akawandisa achiita ku-network kushungurudza kwakaoma kana izvo zvingangoita kuti kunze-kwe-network kutarisira kudhura kudhura kudarika mune-network. Izvi zvinokosha, imwechete-mamiriro ezvinhu ayo anofanira kutarisirwa pane mumwe munhu. Iwe uchange uchikumbira hurongwa hwako hwehutano hwekuita zvakasiyana, iwe chete, uye nokuda kwechiitiko ichi chekutarisira. Heano mimwe mienzaniso yekufungidzira:
- Iwe unodzidza kuti mu-inorganisitiri chirwere chinokonzerwa nehutachiona hwehutachiona hunopetwa katatu kupfuura yekunze-in-network chirwere cheguta rose. Hapana kune imwe in-network network. Iwe unofanirwa kuvhiyiwa, uye uri kune mishonga (kana uine chirwere) chinoita kuti zvive zvakaoma kwauri kurwisa zvirwere. Muchiitiko ichi, urikumbira chirongwa chehutano kuti uite zvakasiyana zvichienderana nehuwandu hwehuwandu hwekuwana chirwere, kuoma kwako kurwisana nehutachiona, uye hutachiona hwehutachiwana huri mu-network. Iwe uchafanirwa kugutsikana hurongwa hwako hwehutano huchave huri mari yakawanda kwavari kuti ufukidze kutora kwako kunze kwe-network pane in-network yepamusoro pane kubhadhara zvinogona kudhura kurapwa uye pashure pezviitiko zve post-op utachiona.
- Wave uchingova nemhirizhonga yekurambana. Mukadzi wako wekare ndiye oga mu-network neurosurgeon mukati memakiromita anenge makiromita matatu, uye iwe une uropi hweuropi hunoda kuvhiyiwa. Hausi iwe chete usingadi kuti murume wako wekare aite chirwere ichi, iwewo haadi kuti ave nekodzero yemabhuku ako ehutano ega. Kumbira hurongwa hwako hwehutano kuti uite chimwe chinhu chakasiyana uye uvhare kunze kwe-network neurosurgeon sekunge ari mu-network.
Nzira Yokuwana Nayo Hurongwa Hwehutano Hwako Kuvhara Kunze-Kwe-Network Kuchengetwa Muchi-Network Mitengo
Kutanga, unofanira kubvunza hurongwa hwako hwehutano kuita izvi, chirongwa chehutano hachizozvipira. Nezvinoita kunze kwekuchengetedzwa kwekukurumidzira, zvirongwa zvehutano zvakawanda hazvizove zvakanyanya kufarira nezvekuvhara kunze-kwe-network kutarisira pa-network network. Zvinoreva hurongwa hwehutano huchabhadhara zvakawanda pamusoro pekutarisira kwako kana kuti uchatora nguva yevashandi nesimba rekushandura zvikwereti zvisingatori zvekurapa kwako nekunze kwe-network. Zvisinei, izvi hazvirevi kuti chirongwa chehutano hachizobhadhara mu-network rates. Iwe unongoda kungoita nharo inogutsa pamusoro pokuti nei uchida kunze kwe-network kuchengetedza uye nei kushandiswa mukati-network kupa iwe kusashanda.
Iwe uchava nekana iri nani rekubudirira kana uchigadzirira mberi. Kana izvi zvisina kutarisirwa, tarisa hurongwa hwako hwehutano nechikumbiro ichi zvakanaka usati wagadzirira kuwana kunze kwe-network. Izvi zvinogona kutora mavhiki. Ita basa rako rechikoro kuitira kuti ugone kukurudzira nharo yako nehuchokwadi, kwete kungofunga maonero. Tsvaga rubatsiro rwechiremba wako mu-network yekurapa kunyora tsamba kune hurongwa hwako hwehutano kana kutaura nemutungamiri wehutano wehutano hwako kuti nei chikumbiro chako chichifanira kukudzwa. Mari inotaura, saka kana iwe ukwanisa kuratidza kuti kushandiswa kwekunze kwe-network kunopa kungachengetedza kambani yako yehutano inshuwarisi mari munguva refu, iyo inobatsira chikonzero chako.
Paunenge uchitaurirana neurongwa hwehutano hwako, ramba uri unyanzvi, unhu hwakanaka. Iva nekutaura, asi usingaregi. Kana uri kutaurirana foni, tora zita nezita remunhu waunotaura newe. Nyora zvose pasi. Mushure mokukurukurirana kwefoni, funga kunyora tsamba kana maimeri muchifupikidza kukurukurirana kwefoni uye uchitumira kune munhu wawakataura naye, kana kumutungamiriri wake, sechiyeuchidzo chezvinhu zvekukurukurirana. Wana chero zvibvumirano zvakanyorwa.
Kana uchitaurirana nezvekunze-kwe-network kugoverwa mune-network network, pane zvinhu zviviri zvingafanira kutaurirana: kugovana-kudhura uye kukodzera uye tsika yemitambo .
- Kukurukurirana kwezvikwereti : Paunenge uchitarisa kunze kwe-network kuburikidza nePPO kana chirongwa chePOS, iwe unogona kunge wakagadzirirwa zvakanyanya kune zvekunze -network-kutarisira kupfuura mune-network. Mari yawakambobhadhara kune yako in-network deductible inogona kunge isina kuverenga kune kunze kwe-network deductible, saka iwe unogona kutanga kubva zero. Uyezve, kubhadhara kwekunze-kwe-network kutarisira kunowanzove yakakwirira zvakanyanya kudarika ye-in-network. Kutaurirana pamusoro pekuchengetedza kubhadharwa kuburikidza nekushandisa in-network deductible rate uye in-network coinsurance rate, sezvinonzi iwe uri kushandisa in-network provider.
- Zvinonzwisisika uye tsika yemitero / kubhadharisa mari: Paunenge uchishanda kune-kunze-network, iwe uri pangozi yekuenzanisa mari iyo inogona kutungamirira kubhadhara chikamu chakawandisa chebhadha pane iwe wawakagara wataura. Vatsigiri vezvehutano vacharatidzika kune-kunze-ye-network Bill, vanoti, $ 15,000 uye taura chimwe chinhu kumagumisiro e "Iyi mhaka inonyanya kukwirira nokuda kwebasa iroro. Bhiri racho harina musoro. Izvo zvinowanzodiwa uye tsika yemitambo yebasa iri $ 10 000, saka tichabhadhara chikamu che $ 10 000. "Zvinosuruvarisa, iwe unogona kuramba uchibhadhara mari ye $ 5,000 mukuwedzera kune kugovana-mari yako. Dzidza zvakawanda pamusoro peizvi mu " Balance Billing-Chii Chaicho uye Iyo Inoshanda Sei ."
Kana uchitaurirana nezvekunze-kwe-network kuchengetedza pa--network rates, iva nechokwadi chekutarisa musiyano pakati pezvinhu zvako kunze kwe-network zvinopa mhosva uye chinangwa chehutano chako chinofunga kuti chinonzwisisika. Izvi zvinogona kusanganisira hurongwa hwako hwehutano huchigadzira chibvumirano chako nekunze-che-network kupa kwechiitiko chimwe chekuchengetedza pane imwe nhamba yekutaurirana. Iva nechokwadi chokuti chibvumirano chine "hapana chekubhadhara kubhadhara" chikamu kuitira kuti urege kugadzikana nemari ipi zvayo kunze kweiyo yakabviswa, copay, uye coinsurance.