Pezani tsatanetsatane wa dzina ND
Zoyambira Zaumoyo
Inshuwaransi yaumoyo imathandizira kulipira ndalama mukafuna chisamaliro
Palibe amene akukonzekera kudwala kapena kuvulaza, koma thanzi lanu likhoza kusintha m'kuphethira kwa diso. Anthu ambiri amafunikira chithandizo chamankhwala nthawi ina. Inshuwaransi yaumoyo imakuthandizani kulipira ndalamazi ndikukutetezani kuzinthu zokwera kwambiri.
KODI INshuwaransi Yaumoyo
Inshuwaransi yazaumoyo ndi mgwirizano pakati pa inu ndi kampani ya inshuwaransi. Mumagula ndondomeko, ndipo kampaniyo imavomereza kulipira gawo la ndalama zanu zachipatala mukadwala kapena kuvulala.
Mapulani onse omwe amaperekedwa pa Msika amaphatikiza maubwino 10 awa azaumoyo:
- Ma ambulansi odwala (chisamaliro cha odwala omwe mumalandira osalandiridwa kuchipatala)
- ntchito Emergency
- Kuchipatala (monga opaleshoni komanso kugona usiku umodzi)
- Mimba, uchembere ndi chisamaliro chakhanda (onse asanabadwe komanso atabadwa)
- Chithandizo cha matenda amisala komanso kugwiritsa ntchito mankhwala osokoneza bongo, kuphatikizapo chithandizo chamankhwala (izi zikuphatikizapo uphungu ndi psychotherapy)
- Mankhwala omwe mumalandira
- Ntchito zothandiziranso pakukhalitsa komanso zothandiza (ntchito ndi zida zothandiza anthu ovulala, olumala, kapena matenda osachiritsika amapeza kapena kupezanso luso lamaganizidwe ndi thupi)
- Ntchito zantchito
- Ntchito zodzitetezera komanso zaumoyo ndi kusamalira matenda aakulu
- Chithandizo cha ana, kuphatikiza chisamaliro chapakamwa ndi masomphenya (koma chisamaliro cha mano ndi masomphenya akuluakulu sizofunikira paumoyo)
Inshuwaransi yazaumoyo ndi mgwirizano pakati pa inu ndi kampani ya inshuwaransi. Mukagula ndondomeko, kampaniyo imavomereza kulipira gawo la ndalama zanu zachipatala mukadwala kapena kupweteka.
KUTETEZA KWAULERE
Mapulani ambiri azaumoyo ayenera kutsata njira zodzitetezera, monga kuwombera ndi kuyezetsa, popanda mtengo kwa inu. Izi ndi zoona ngakhale simunakumanepo ndi deductible yanu yapachaka. Ntchito zodzitetezera zimateteza kapena kuzindikira matenda adakali aang'ono pamene chithandizo chikuyenera kugwira ntchito bwino. Ntchitozi ndi zaulere pokhapokha mutazipeza kuchokera kwa dokotala kapena wopereka chithandizo pa netiweki yanu.
Nawa mautumiki odziwika kwa akulu onse:
- Kuyezetsa magazi
- Kuwunika kwa cholesterol: zaka zina + zomwe zili pachiwopsezo chachikulu
- Kuwonetsa kuvutika maganizo
- Katemera
- Kuyeza kunenepa kwambiri ndi uphungu
ulendo Healthcare.gov/coverage/preventive-care-benefits/ kuti mupeze mndandanda wathunthu wazithandizo zopewera kwa akulu onse, amayi, ndi ana.
ZIMAKUTHANDIZANI KULIPIRA ZOSAMALA
Kodi mumadziwa kuti mtengo wapakati wokhala m'chipatala masiku atatu ndi $30,000? Kapena kuti kukonza mwendo wothyoka kungawononge ndalama zokwana madola 7,500? Kukhala ndi inshuwaransi yazaumoyo kungakuthandizeni kukutetezani kumitengo yokwera, yosayembekezereka ngati iyi.
Inshuwaransi yanu kapena chidule cha maubwino ndi chithandizo chidzakuwonetsani mitundu ya chisamaliro, chithandizo, ndi ntchito zomwe dongosolo lanu la inshuwaransi limakhudza, kuphatikizapo kuchuluka kwa ndalama zomwe kampani ya inshuwaransi ingakulipire pamankhwala osiyanasiyana munthawi zosiyanasiyana.
- Ma inshuwaransi osiyanasiyana azaumoyo atha kupereka mapindu osiyanasiyana.
- Muyenera kulipira deductible chaka chilichonse kampani yanu ya inshuwaransi isanayambe kulipira chisamaliro chanu.
- Muyenera kulipira coinsurance kapena copayment mukalandira chithandizo chamankhwala.
- Mapulani a inshuwaransi yazaumoyo amalumikizana ndi maukonde azipatala, madotolo, ma pharmacies, ndi othandizira azaumoyo.
ZIMENE MUMALIPITSA
Nthawi zambiri mumalipira ndalama mwezi uliwonse kuti mupeze chithandizo chamankhwala, ndipo mungafunike kukumana ndi deductible chaka chilichonse. Deductible ndi ndalama zomwe muli nazo pazithandizo zamankhwala musanayambe inshuwaransi kapena dongosolo lanu. Kuchotsedwako sikungagwire ntchito zonse.
Ndalama zomwe mumalipira pa premium yanu ndi deductible zimatengera mtundu wa chithandizo chomwe muli nacho. Ndondomeko yotsika mtengo kwambiri ikhoza kusapereka chithandizo ndi chithandizo chambiri.
Chofunikanso monga mtengo wamtengo wapatali ndi deductible ndi kuchuluka kwa zomwe muyenera kulipira mukalandira ntchito.
Zitsanzo zikuphatikizapo:
- Zomwe mumalipira kuchokera m'thumba kuti mugwiritse ntchito mukalipira deductible (coinsurance kapena copayments)
- Ndi ndalama zingati zomwe muyenera kulipira mukadwala (kuchuluka kwa kunja kwa thumba)
KONZEKERANI KULEMBIKITSA
ZINTHU ZISANU MUNGACHITE KUTI MUKONZEKE KULEMBIKITSA
- Kumanani ndi navigator wakomweko Kapena pitani KhalaKhalidwe.gov. Phunzirani zambiri za Health Insurance Marketplace, ndi mapulogalamu ena monga Medicaid, ndi Children's Health Insurance Program (CHIP).
- Funsani abwana anu ngati ali ndi inshuwaransi yazaumoyo. Ngati abwana anu sakupereka inshuwaransi yazaumoyo, mutha kupeza chithandizo kudzera pa Marketplace kapena magwero ena.
- Lembani mndandanda wa mafunso isanakwane nthawi yosankha dongosolo lanu laumoyo. Mwachitsanzo, "Kodi ndingakhale ndi dokotala wanga wamakono?" kapena “Kodi pulani imeneyi idzandilipirira ndalama za umoyo wanga ndikakhala paulendo?”
- Pezani zambiri zokhudza ndalama zapakhomo panu. Mudzafunika zambiri za ndalama kuchokera ku W-2 yanu, malipiro a malipiro, kapena kubweza msonkho.
- Khazikitsani bajeti yanu. Pali mitundu yosiyanasiyana ya mapulani azaumoyo kuti akwaniritse zosowa ndi bajeti zosiyanasiyana. Muyenera kudziwa kuchuluka kwa ndalama zomwe mungagwiritse ntchito pamalipiro mwezi uliwonse, komanso kuchuluka kwa ndalama zomwe mukufuna kulipira kuchokera m'thumba la mankhwala kapena chithandizo chamankhwala.
1. IKANI THONSO ANU PANG'ONO
- Kukhala wathanzi ndikofunika kwa inu ndi banja lanu.
- Khalani ndi moyo wathanzi kunyumba, kuntchito, ndi m'deralo.
Pezani zoyezetsa zomwe munganene kuti mukhale ndi thanzi labwino ndikuwongolera matenda osachiritsika. - Sungani zambiri zaumoyo wanu pamalo amodzi.
2. KUMVETSA NTCHITO YAUTHO WANU
- Yang'anani ndi dongosolo lanu la inshuwaransi kapena dziko
- Pulogalamu ya Medicaid kapena CHIP kuti muwone zomwe zimaperekedwa.
- Dziwani bwino ndalama zanu (malipiritsi, malipiro, ndalama zochotsera, inshuwaransi yogwirizana).
- Dziwani kusiyana pakati pa intaneti ndi kunja kwa netiweki.
3. DZIWANI KOMWE MUNGAPITIRE KUSAMALA
- Gwiritsani ntchito dipatimenti yadzidzidzi kuti muike moyo pachiwopsezo.
- Chisamaliro choyambirira chimakondedwa ngati sichichitika mwadzidzidzi.
- Dziwani kusiyana pakati pa chisamaliro choyambirira ndi chisamaliro chadzidzidzi.
2. KUMVETSA NTCHITO YAUTHO WANU
- Yang'anani ndi dongosolo lanu la inshuwaransi kapena dziko
- Pulogalamu ya Medicaid kapena CHIP kuti muwone zomwe zimaperekedwa.
- Dziwani bwino ndalama zanu (malipiritsi, malipiro, ndalama zochotsera, inshuwaransi yogwirizana).
- Dziwani kusiyana pakati pa intaneti ndi kunja kwa netiweki.
3. DZIWANI KOMWE MUNGAPITIRE KUSAMALA
- Gwiritsani ntchito dipatimenti yadzidzidzi kuti muike moyo pachiwopsezo.
- Chisamaliro choyambirira chimakondedwa ngati sichichitika mwadzidzidzi.
- Dziwani kusiyana pakati pa chisamaliro choyambirira ndi chisamaliro chadzidzidzi.
4. PEZANI WOPEREKA
- Funsani anthu omwe mumawakhulupirira komanso/kapena fufuzani pa intaneti.
- Onani mndandanda wa opereka mapulani anu.
- Ngati mwapatsidwa wopereka chithandizo, funsani dongosolo lanu ngati mukufuna kusintha
- Ngati mudalembetsa ku Medicaid kapena CHIP, funsani pulogalamu yanu ya Medicaid kapena CHIP kuti akuthandizeni.
5. PANGANI KUKHALA
- Tchulani ngati ndinu wodwala watsopano kapena mwakhalapo kale.
- Perekani dzina la inshuwaransi yanu ndikufunsa ngati atenga inshuwaransi yanu.
- Auzeni dzina la wothandizira amene mukufuna kuwona ndi chifukwa chake mukufunira nthawi yokumana.
- Funsani masiku kapena nthawi zomwe zimakuthandizani.
4. PEZANI WOPEREKA
- Funsani anthu omwe mumawakhulupirira komanso/kapena fufuzani pa intaneti.
- Onani mndandanda wa opereka mapulani anu.
- Ngati mwapatsidwa wopereka chithandizo, funsani dongosolo lanu ngati mukufuna kusintha
- Ngati mudalembetsa ku Medicaid kapena CHIP, funsani pulogalamu yanu ya Medicaid kapena CHIP kuti akuthandizeni.
5. PANGANI KUKHALA
- Tchulani ngati ndinu wodwala watsopano kapena mwakhalapo kale.
- Perekani dzina la inshuwaransi yanu ndikufunsa ngati atenga inshuwaransi yanu.
- Auzeni dzina la wothandizira amene mukufuna kuwona ndi chifukwa chake mukufunira nthawi yokumana.
- Funsani masiku kapena nthawi zomwe zimakuthandizani.
6. KONZEKERANI KUCHEZA KWANU
- Khalani ndi khadi la inshuwaransi.
- Dziwani mbiri yaumoyo wa banja lanu ndikulemba mndandanda wamankhwala omwe mumamwa.
- Bweretsani mndandanda wa mafunso ndi zinthu zoti mukambirane, ndipo lembani manotsi pa ulendo wanu.
- Bweretsani wina nanu kuti akuthandizeni ngati mukufuna.
7. Sankhani NGATI WOPEREKA AKUYENERA INU
- Kodi munamva bwino ndi wothandizira amene mwamuwona?
- Kodi mumatha kulankhulana ndi kumvetsetsa ndi wothandizira wanu?
- Kodi mumamva ngati inu ndi wothandizira wanu mutha kupanga zisankho zabwino pamodzi?
- Kumbukirani: palibe vuto kusinthira kukhala wothandizira wina!
8. ZOTSATIRA MATACHITIKA NTCHITO
- Tsatirani malangizo a wothandizira wanu.
- Lembani mankhwala aliwonse amene mwapatsidwa, ndipo muwatenge monga mwauzira.
- Konzani ulendo wobwereza ngati mukufuna.
Unikaninso kufotokozera kwanu za phindu ndikulipira ngongole zanu zachipatala. - Lumikizanani ndi wothandizira wanu, mapulani azaumoyo, kapena boma Medicaid kapena bungwe la CHIP ndi mafunso aliwonse.
Gwero: Njira Yanu Yaumoyo. Centers for Medicaid & Medicare Services. Sept. 2016.
Bukuli likuthandizidwa ndi Centers for Medicare and Medicaid Services (CMS) ya US Department of Health and Human Services (HHS) monga gawo la mphotho ya ndalama zokwana $1,200,000 ndi 100 peresenti yothandizidwa ndi CMS/HHS. Zomwe zili mkati ndi za olemba ndipo sizikuyimira malingaliro ovomerezeka a, kapena kuvomereza, ndi CMS/HHS, kapena Boma la US.
