Mazano ekurwisana neUnited Health Insurance Company
Kana iwe uri mumwe wemamiriyoni eAmerica ane ruzivo rwakakwana kuti uve nehutano inshuwarheni, pane imwe nguva nzira yaunoda kurwisa kambani yehutano inshuwarisi. Kunyangwe neinishuwarenzi, vanhu vakawanda vachasangana nechinetso chekambani yeInishuwarensi iyo inoramba kugoverwa kuongororwa kwakanyanya, kurapwa kana mishonga, kunyange iyo mishonga kana mishonga iyo chiremba wako anonyatsorumbidza kana kuti anorondedzera hutano hwako kana chirwere chetachiona.
Iko inshuwarisi yekambani inogona kutaura kuti unoda kubvumirwa mberi kana kubvumidzwa kusati wagamuchirwa usati wawana chirwere chekurapa chaiyo kana kurapwa, kana usati wagadzirirwa imwe mishonga yemishonga. Kunyangwe iwe paunotanga kufambirwa mberi kwako, wako insurer anogona kutendeuka uye anoramba kubhadhara mari yezvimwe zviedzo, kurapa kana mishonga. Kuramba kuvhara mishonga inowanzova dambudziko revarwere vane utachiona avo vanorayirwa zvinokonzera kukakavara zvakasvibiswa nemishonga yekemikari yakadai seArmor or Nature-Throid, kana varwere vekenza yehutano avo vanachiremba vanokurudzira kushandiswa kwechirwere Thyrogen (thyrotropin alfa), iyo inogona kudhura zvikuru uye hazviwanikwi mumutauro wechimiro.
Sei mabhizimisi vachiramba kuparidzirwa, uye chii chaungaita pamusoro pazvo? Iwec uverengere zvakanyanya pamusoro payo munyaya ino ine musoro unoti Nei Iko Utano Wangu Wechipatara Achiona Kuchengetedzwa Kwechiremba Wangu Kunokurudzira ?
Vafambisi vanozivikanwawo kuti vanogara vachivhara vamwe vanachiremba, zvipatara kana ma laboratories, uye vanoramba kuparidzira vamwe.
Izvi zvinogona kuvhiringidza, asi pane zvikonzero nei inshuwarisi cherry inotora kugoverwa kwavo. Tsvaga kuti nei vamwe vezvehutano vehutano vachiramba kubhadhara vamwe vanachiremba, mabhii kana zvivako, munyaya yekuti: Sei Utano Hwangu Hwehutano Huchivhara Madhodhendi Ndinoda Kuona?
Iko inshuwarisi yako inogona kuvhara zvipembenene zvakasiyana-siyana kana zvimwe zvinorapwa - semishonga yemishonga yemapuranga kana acupuncture-- nokuda kwetachiona yako uye zviratidzo zvakabatana?
Vazhinji havaiti, chaizvoizvo. Pane zvikonzero nei inshuwarisi inoramba kuvhara chero chinhu chisina kujairika.
Mune mamwe mamiriro ezvinhu, inshurensi icharamba kuparidzirwa nokuti bhiri yako yakanyorwa neCIT code yakashata. CPT inomiririra "Current Procedural Terminology," uye CPT nheyo idzi dzakaoma maitiro emitemo iyo inopiwa mabasa ose uye kubasa mushandi wezvechiremba anopa sechikamu chekurapa kwako. Kana nyika yose yemitemo yezvokurapa yakaita semutauro wemumwe mutauro, unogona kudzidza zvakawanda nezvayo munyaya ino inodzidzisa: Ndeapi CPT Codes? Iko Kunobatsira Utano Hwako Here?
CPT codes haisi iyo chete mazano anogona kuchinja kana wako inshupiri aripa kana kuti anoramba kubhadhara kwako. Kune hutano hweHalthcare Common Procedure Coding System (HCPCS) nheyo dzinoshandiswa neMedare, NDC (National Drug Codes), nhamba dzeDMM dzinoshandiswa kugadzirisa zvirwere zvepfungwa, nezvimwe zvizhinji. Uchaona tsananguro yezvose izvi nhamba mumutsara wezvinyorwa zvinodzidzisa Mavhidha Mazwi: Mutevedzeri wevarwere Mutsamba yeMakirini .
Wakagadzirira kuenda nenzira yose yekurwa nekambani ye inshuwarisi yakaramba kuraira kwako kune utano hwepamusoro hwehutano, mishonga yehutachiona, kana mamwe mazano ekurapa akakurudzirwa kana kurapwa kwawakaitwa nachiremba kwauri?
Iwe unogona kudzidza zvakawanda kubva kuUnited Health Insurance Expert, Dr. Michael Bihari, mune imwe nyaya inopa mazano akawanda kwazvo ekurwisana neUnited Health Insurance Kudzivisa: Dzimwe nguva Unokunda, uye Utano Hwako Huri Kubhadhara Chete kana Chikamu Chekuda Kwako .
Pakupedzisira, kunyange zvazvo zvichiita sokuti simba remuviri rinorema kune vatsigiri vezvehutano, chirwere chetachiona chinenge chiine mukana wega wekupiwa simba kune vashandi vehutano. Patient Empowerment mutungamiri Trisha Torrey akaisa mazano akazonaka munyaya yake: Zvinonyanya Kuve Zvakagadziriswa Healthcare Consumer . Trisha anewo mutsara wakaisvonaka wezviwanikwa mu Savvy Patients 'Toolkit online.